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Ameriprise Financial Inc (AMP) is not a strong buy for a beginner, long-term investor at the moment. While the company has shown positive revenue growth and strong wealth management flows, the recent insider selling, declining net income, and lack of clear positive technical signals suggest that waiting for a more favorable entry point may be prudent. Additionally, the options data indicates bearish sentiment, and no significant trading signals are present to suggest immediate action.
The MACD is negative and contracting (-7.037), RSI is neutral at 31.877, and moving averages are converging. The price is below the pivot level (499.003) and nearing support at S1 (462.247), indicating a lack of strong upward momentum. Overall, the technical indicators do not suggest a clear buy signal.

Analysts have raised price targets recently, with RBC Capital and BofA highlighting strong Q4 earnings and wealth management flows. The gross margin increased YoY, reflecting operational efficiency.
Insider selling has increased significantly (5163% over the last month), net income and EPS have declined YoY, and the options market shows bearish sentiment. Technical indicators do not show strong upward momentum.
In Q4 2025, revenue increased by 7.21% YoY to $2.797 billion, but net income dropped by 5.88% YoY to $1.008 billion, and EPS decreased by 0.85% YoY to 10.47. Gross margin improved by 2.71% YoY to 96.89.
Analysts are generally positive on AMP, with multiple firms raising price targets recently. RBC Capital raised the target to $605, and BofA raised it to $660, both maintaining Buy or Outperform ratings. Piper Sandler upgraded the stock to Neutral, citing receding headwinds and strong wealth management flows.