Core Insights - Ameriprise Financial, Inc. (AMP) is expected to report third-quarter 2025 results on October 30, with anticipated year-over-year increases in revenues and earnings [1][11] - The company has a strong earnings surprise history, surpassing the Zacks Consensus Estimate in three of the last four quarters, with an average beat of 2.30% [2] Revenue Estimates - The Zacks Consensus Estimate for management and financial advice fees is $2.75 billion, reflecting a 7% increase from the prior year [3] - Distribution fees are estimated at $553 million, indicating a year-over-year rise of 7.8 [4] - Other revenues are projected at $134 million, suggesting a growth of 2.3% [4] Investment Income and Charges - The consensus estimate for net investment income is $834 million, representing a decline of 10.7% year-over-year [5] - Premiums, policy, and contract charges are estimated at $374 million, indicating an 8.6% decrease [5] Assets Under Management - Total AUM and AUA are expected to reach $1.62 trillion, marking a 7.4% increase from the previous year [6] Expense Management - While cost management initiatives have controlled general and administrative expenses, overall costs are expected to rise due to technology upgrades and new hires, with total adjusted operating expenses estimated at $3.27 billion [7][11] Earnings Expectations - The consensus estimate for earnings is $9.60 per share, reflecting an 8.7% increase from the prior year, with total sales estimated at $4.52 billion, suggesting a 4% year-over-year increase [12] Earnings Surprise Potential - The company has a positive Earnings ESP of +2.55%, indicating a high likelihood of beating the Zacks Consensus Estimate for earnings [8] - Ameriprise currently holds a Zacks Rank 2 (Buy) [9]

Core Viewpoint - Ameriprise Financial, Inc. (AMP) is expected to report year-over-year growth in revenues and earnings for Q2 2025, with results influenced by higher assets under management (AUM) and administration (AUA), although rising expenses may pose challenges [1][10]. Financial Performance Expectations - The Zacks Consensus Estimate for AMP's management and financial advice fees is $2.6 billion, reflecting a 6% increase from the prior year [3]. - Distribution fees are estimated at $522.1 million, indicating a 3.4% rise, while other revenues are projected at $137.1 million, suggesting a 6.3% growth [4]. - Net investment income is expected to decline by 8.7% to $841.2 million, and premiums, policy, and contract charges are estimated to fall by 1% to $377.2 million [5]. Asset Management Insights - Total AUM and AUA are projected to reach $1.49 trillion, representing a 4.4% increase year-over-year [6]. - Despite market volatility, the company has experienced decent inflows, contributing to the growth in AUM and AUA [6]. Expense Management - Total adjusted operating expenses are anticipated to rise by 6% year-over-year to $3.24 billion, driven by technology upgrades and hiring, despite efforts to control general and administrative costs [7][10]. Earnings Estimates - The consensus estimate for earnings per share is $9.00, indicating a 5.5% increase from the previous year, with total sales expected to reach $4.34 billion, reflecting a 4% increase [11]. Earnings Surprise History - Ameriprise has a solid earnings surprise history, surpassing the Zacks Consensus Estimate in three of the last four quarters, with an average beat of 2.05% [2]. Earnings Whisper - The likelihood of Ameriprise beating the Zacks Consensus Estimate for earnings this quarter is low, as it currently has an Earnings ESP of -0.73% and a Zacks Rank of 3 [8][9].