Market Overview - The US equity market experienced a rally in Q3 2025, with the S&P 500 Index increasing by 8.12% during the quarter [1] - Bonds also performed well, with the Bloomberg U.S. Aggregate Bond Index rising by 2.03% [1] - The composite return for Aristotle Capital's Value Equity Strategy was 4.33% gross of fees and 3.82% net of fees, underperforming the Russell 1000 Value Index (5.33%) and the S&P 500 Index (8.12%) [1] Company Focus: Ameriprise Financial, Inc. (NYSE:AMP) - Ameriprise Financial, Inc. is highlighted as a primary detractor in the quarter, with a one-month return of -2.06% and a 52-week loss of 7.70% [2][3] - As of October 15, 2025, Ameriprise's stock closed at $481.27, with a market capitalization of $45.37 billion [2] - Despite challenges such as equity volatility and institutional outflows, Ameriprise maintains record client assets of $1.6 trillion, indicating strong long-term potential [3] Business Model and Strategy - Ameriprise has shifted towards fee-based, lower capital-intensive financial advice and asset management, which now accounts for over 80% of its revenues [3] - This strategic evolution has allowed the company to return $3 billion to shareholders over the past year, with an 85% payout ratio targeted for the second half of 2025 [3] - The company’s focus on trusted financial advice and a diversified model positions it well to navigate macroeconomic uncertainties while delivering returns to shareholders [3]

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for Ameriprise Financial Services (AMP) due to higher revenues, with a focus on how actual results compare to estimates impacting stock price [1][2]. Earnings Expectations - The upcoming earnings report is expected to show quarterly earnings of $9.60 per share, reflecting an 8.7% increase year-over-year, and revenues of $4.52 billion, which is a 4% increase from the previous year [3]. - The consensus EPS estimate has been revised 2.82% higher in the last 30 days, indicating a positive reassessment by analysts [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates a positive Earnings ESP of +2.55% for Ameriprise, suggesting analysts are optimistic about the company's earnings prospects [12]. - A positive Earnings ESP is a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 2 (Buy) [10]. Historical Performance - In the last reported quarter, Ameriprise exceeded the expected earnings of $9 per share by delivering $9.11, resulting in a surprise of +1.22% [13]. - Over the past four quarters, the company has beaten consensus EPS estimates three times [14]. Conclusion - Ameriprise is positioned as a compelling candidate for an earnings beat, but investors should consider other factors that may influence stock performance beyond earnings results [15][17].

Core Insights - Financial advisor Roy LeBlanc has joined Ameriprise Financial, Inc. from Wells Fargo Clearing Services, managing over $100 million in client assets [1] - LeBlanc has joined Azalea Wealth Management in Mobile, Alabama, which is led by Private Wealth Advisor David McKean Jr. [1] - This transition represents a professional reunion for LeBlanc and McKean, who previously worked together at their former firm [1]

Core Insights - Ameriprise Financial, Inc. debuted on the New York Stock Exchange in October 2005 as the sixth largest spin-off in U.S. history [1] - The company has over a century of corporate history, distinguishing it among few firms in the U.S. [1] - Under the leadership of Jim Cracchiolo, the company has established itself as a leading diversified financial services firm over the last 20 years [1]

Core Insights - Oakwood Financial Group has transitioned to Ameriprise Financial, Inc. from Wells Fargo Clearing Services, Inc. with $260 million in client assets [1] Company Summary - The financial advisory practice is based in Winter Park, Florida, and is led by financial advisor Mike Lloyd, along with financial advisor Gregg Mulvany and client service specialist Joel Ingram [1] - The move was motivated by the team's desire to elevate their practice [1]

Core Viewpoint - Ameriprise Financial, Inc. (AMP) is a leading diversified financial services company with a market cap of $46.4 billion, focusing on comprehensive financial planning and advice for individual and institutional clients [1] Financial Performance Expectations - Analysts anticipate AMP to report a profit of $9.42 per share for the fiscal third quarter of 2025, reflecting a 6.7% increase from $8.83 per share in the same quarter last year [2] - For the current fiscal year, EPS is expected to be $37.82, up 10.1% from $34.35 in fiscal 2024, with a further rise to $41.05 projected for fiscal 2026, representing an 8.5% year-over-year increase [3] Stock Performance - Over the past year, AMP stock has increased by 2.6%, which is significantly lower than the S&P 500 Index's 17.8% gains and the Financial Select Sector SPDR Fund's 19.7% gains during the same period [4] Analyst Ratings and Price Targets - Bank of America Securities analyst Craig Siegenthaler has reiterated a "Buy" rating on AMP, setting a price target of $599 [5] - The consensus opinion on AMP stock is neutral, with a "Hold" rating overall; among 15 analysts, there are four "Strong Buy," two "Moderate Buy," seven "Hold," and two "Strong Sell" recommendations, with a mean target price of $554.92 indicating a potential upside of 12.8% from current market prices [6]

Core Viewpoint - Ameriprise Financial (AMP) is currently considered a strong value stock, supported by its favorable valuation metrics and earnings outlook [3][7]. Valuation Metrics - AMP has a P/E ratio of 12.26, significantly lower than the industry average of 16.86, indicating potential undervaluation [3]. - The stock's PEG ratio stands at 0.98, compared to the industry average of 1.10, suggesting that AMP is priced attractively relative to its expected earnings growth [4]. - AMP's P/S ratio is 2.63, which is lower than the industry's average of 3.18, reinforcing the notion of undervaluation [5]. - The P/CF ratio for AMP is 15.60, well below the industry average of 41.95, highlighting its strong cash flow outlook [6]. Investment Outlook - Given the combination of these valuation metrics and the strength of its earnings outlook, AMP is positioned as one of the market's strongest value stocks [7].

Core Viewpoint - Ameriprise Financial Services (AMP) has received a Zacks Rank 2 (Buy) upgrade due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][2]. Earnings Estimates and Stock Price Movement - The Zacks rating system emphasizes the correlation between changes in earnings estimates and near-term stock price movements, making it a valuable tool for investors [2][3]. - Institutional investors utilize earnings estimates to determine the fair value of stocks, leading to price movements based on their buying or selling actions [3]. Business Improvement Indicators - The increase in earnings estimates and the Zacks rating upgrade suggest an improvement in Ameriprise's underlying business, which could lead to higher stock prices as investors respond positively [4]. Importance of Earnings Estimate Revisions - Research indicates a strong correlation between earnings estimate revisions and stock movements, highlighting the importance of tracking these revisions for investment decisions [5]. - The Zacks Rank system effectively leverages earnings estimate revisions to classify stocks, providing a structured approach to investment [6]. Specifics on Ameriprise's Earnings Estimates - Ameriprise is projected to earn $37.73 per share for the fiscal year ending December 2025, with no year-over-year change expected [7]. - Over the past three months, the Zacks Consensus Estimate for Ameriprise has increased by 2.6%, indicating positive sentiment among analysts [7]. Zacks Rating System Overview - The Zacks rating system maintains a balanced distribution of "buy" and "sell" ratings across its universe of over 4,000 stocks, with only the top 20% receiving higher ratings [8][9]. - The upgrade of Ameriprise to a Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [9].

Core Insights - A significant majority of parents, 65%, believe they will have sufficient funds for a comfortable retirement [1] - However, 36% of parents express concern that financially supporting adult children may hinder their retirement plans [1] - Nearly all parents (96%) who engage with a financial advisor feel confident about achieving their top three financial goals [1] - Approximately 78% of parents report that their financial advisor has been helpful in this regard [1]

Core Insights - Ameriprise Financial, Inc. has announced that 20 of its financial advisors have been recognized in Barron's "Top 100 Independent Financial Advisors" ranking [1] - The ranking is based on various success factors, including the volume of client assets managed, revenues generated for the firm, and the quality of the advisors' practices [1]