Ameriprise Financial vs SoFi
This page compares Ameriprise Financial and SoFi Technologies, Inc., outlining their business models, financial performance, and market context in a clear, neutral way for readers. Educational content, not financial advice.
This page compares Ameriprise Financial and SoFi Technologies, Inc., outlining their business models, financial performance, and market context in a clear, neutral way for readers. Educational content...
Why It's Moving
Analysts Stay Bullish on Ameriprise Financial Despite Recent Volatility, Eyeing Strong Wealth Management Momentum.
- Q4 adjusted EPS hit $10.83, topping estimates by $0.50, driven by 16% year-over-year growth and a peak return on equity of 53.2%, underscoring operational strength.
- Wealth management flows surged to $13.3 billion in Q4, up 18% from last year, highlighting success in adviser recruitment and new products like Signature Wealth.
- Bank of Montreal increased its stake by 4.3% in Q3, while analysts maintain a Hold consensus, betting on sustained revenue growth navigating interest rate pressures.
SoFi CEO Signals Confidence With $1M Stock Purchase as Analysts Eye 40% Upside on Profitability Milestone
- CEO personally bought 56,000 shares at $17.88, signaling insider conviction in the company's strategic direction and 2026 earnings growth potential
- SoFi achieved its ninth consecutive profitable quarter and crossed $1 billion in quarterly revenue for the first time, demonstrating sustained profitability while guiding for 30% revenue growth to $4.655 billion in 2026
- Wall Street remains constructive with consensus price targets at $26.50, including JPMorgan's recent $31 Overweight rating citing rapid member and deposit growth, though the stock trades down 28.9% year-to-date at $18.61 as market sentiment remains cautious
Analysts Stay Bullish on Ameriprise Financial Despite Recent Volatility, Eyeing Strong Wealth Management Momentum.
- Q4 adjusted EPS hit $10.83, topping estimates by $0.50, driven by 16% year-over-year growth and a peak return on equity of 53.2%, underscoring operational strength.
- Wealth management flows surged to $13.3 billion in Q4, up 18% from last year, highlighting success in adviser recruitment and new products like Signature Wealth.
- Bank of Montreal increased its stake by 4.3% in Q3, while analysts maintain a Hold consensus, betting on sustained revenue growth navigating interest rate pressures.
SoFi CEO Signals Confidence With $1M Stock Purchase as Analysts Eye 40% Upside on Profitability Milestone
- CEO personally bought 56,000 shares at $17.88, signaling insider conviction in the company's strategic direction and 2026 earnings growth potential
- SoFi achieved its ninth consecutive profitable quarter and crossed $1 billion in quarterly revenue for the first time, demonstrating sustained profitability while guiding for 30% revenue growth to $4.655 billion in 2026
- Wall Street remains constructive with consensus price targets at $26.50, including JPMorgan's recent $31 Overweight rating citing rapid member and deposit growth, though the stock trades down 28.9% year-to-date at $18.61 as market sentiment remains cautious
Investment Analysis
Pros
- Ameriprise Financial reported solid third-quarter 2025 earnings, with both sales and adjusted EPS exceeding analyst consensus estimates.
- The company benefits from broad-based gains in U.S. equity markets and a supportive macroeconomic environment, including recent interest rate cuts.
- Ameriprise Financial maintains a strong balance sheet and consistent profitability, supported by stable asset management and advisory revenues.
Considerations
- Analyst sentiment is mixed, with a consensus 'hold' rating and only modest upside forecast for the next 12 months.
- The stock trades at a premium valuation relative to some peers, which may limit near-term upside potential.
- Exposure to financial markets means performance is sensitive to equity market volatility and changes in interest rates.
SoFi
SOFI
Pros
- SoFi Technologies delivered strong third-quarter earnings, driven by growth in lending and technology platform segments.
- The company operates a diversified financial services platform with expanding product offerings in banking, investing, and digital banking infrastructure.
- SoFi has a large and growing customer base, supported by its mobile-first approach and innovative financial products.
Considerations
- Analyst price targets suggest limited upside or even downside risk, with some forecasts indicating negative returns over the next 12 months.
- The stock trades at a high price-to-earnings ratio, reflecting elevated valuation and potential vulnerability to market sentiment shifts.
- Profitability remains inconsistent, with ongoing execution risks in scaling operations and managing credit quality in lending.
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Ameriprise Financial (AMP) Next Earnings Date
Ameriprise Financial's next earnings report is estimated to be released between April 22-27, 2026, with most sources indicating late April as the likely announcement date. The company will report results for Q1 2026 during this earnings release. Based on analyst consensus, the expected EPS for Q1 2026 is approximately $10.37. This represents Ameriprise's typical quarterly earnings cycle, following their Q4 2025 report released on January 29, 2026.
SoFi (SOFI) Next Earnings Date
SoFi Technologies' next earnings date is estimated for early May 2026, with sources indicating either May 3, 2026, May 4, 2026, or May 5, 2026, though the company has not officially confirmed the exact date. The report will cover Q1 2026 results. Given SoFi's historical pattern of releasing earnings in late April to early May, investors should expect the announcement before market open. The company typically hosts a conference call at 8:00 AM Eastern on the earnings release date.
Ameriprise Financial (AMP) Next Earnings Date
Ameriprise Financial's next earnings report is estimated to be released between April 22-27, 2026, with most sources indicating late April as the likely announcement date. The company will report results for Q1 2026 during this earnings release. Based on analyst consensus, the expected EPS for Q1 2026 is approximately $10.37. This represents Ameriprise's typical quarterly earnings cycle, following their Q4 2025 report released on January 29, 2026.
SoFi (SOFI) Next Earnings Date
SoFi Technologies' next earnings date is estimated for early May 2026, with sources indicating either May 3, 2026, May 4, 2026, or May 5, 2026, though the company has not officially confirmed the exact date. The report will cover Q1 2026 results. Given SoFi's historical pattern of releasing earnings in late April to early May, investors should expect the announcement before market open. The company typically hosts a conference call at 8:00 AM Eastern on the earnings release date.
Which Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketWhich Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
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