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Ameriprise Financial Inc (AMP) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company has shown positive revenue growth and strong gross margins, the decline in net income and EPS, coupled with insider selling and neutral hedge fund activity, suggests caution. Additionally, technical indicators and options data do not indicate a strong entry point currently.
The MACD is below 0 and negatively contracting, indicating bearish momentum. RSI is neutral at 56.243, and moving averages are converging, showing no clear trend. The stock is trading near its resistance level of 487.475, which could act as a barrier for further upward movement.

Analyst upgrades from RBC Capital, BofA, and Piper Sandler highlight strong wealth management flows, margin stability, and receding headwinds. Gross margin increased to 96.89%, reflecting operational efficiency.
Insider selling has increased significantly by 5163% over the last month, which is a bearish signal. Net income and EPS have declined YoY, raising concerns about profitability. Options data indicates bearish sentiment with a high Put-Call Ratio.
In Q4 2025, revenue increased by 7.21% YoY to $2.797 billion, showing strong top-line growth. However, net income dropped by 5.88% YoY to $1.008 billion, and EPS declined by 0.66% YoY to 10.49, reflecting weaker profitability.
Recent analyst ratings are positive, with price targets raised by RBC Capital ($605), BofA ($660), and Piper Sandler ($530). Analysts highlight strong wealth management flows and margin stability. However, Morgan Stanley maintains an Underweight rating with a price target of $485, citing only modest positive revisions.