AMPAmeriprise Financial, Inc.Stock — Financials
Yield
1.39%
Indicated $6.80 ÷ $489.80 close, Oct 28, 2026.
Earnings payout
17.2%
FY2025 dividends paid $614m ÷ net income $3,563m. Financial-sector basis under the §3 sector note, as on the BNY card; net debt/EBITDA is not graded for a financial.
Dividend
$1.70
Raised April 2026, up 6% from $1.60; $1.70 paid May and Aug 2026.
Leverage
n/a
Financial, not graded on net debt/EBITDA; graded on earnings payout and capital under the §3 sector note, as on the BNY card.
House verdict
Covered nearly six times over on earnings. Ameriprise paid $614 million of dividends against $3,563 million of net income in fiscal 2025, the sector-appropriate base for a financial, and has raised the dividend to $1.70. The yield clears the 1% line and every check passes, so the card is graded good.
Key risk: Markets drive Ameriprise's fee income: a long market decline shrinks assets under management and the earnings that cover the dividend.
Changes if: Earnings payout rises above 60%, or the dividend is cut.
- ✓Earnings payout 17.2% of FY2025 net income, pass (<60%), on the sector-appropriate base.
- ✓Leverage basis Financial, not graded on net debt/EBITDA; graded on earnings payout and capital under the §3 sector note, as on the BNY card.
- ✓Dividend history Dividends paid rose every year in the record shown, $512m to $614m, 2020 to 2025; $1.70 declared April 2026, up 6% from $1.60. No cut.
- ✓Yield Yield 1.39%, clears the 1% line; no trap pattern.
What this grade doesn't say: It screens the dividend only — covered, real, compounding. It says nothing about valuation or price: a well-covered payer can still be overpriced, and its price can still fall.