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
Ameriprise Crushes Q4 Earnings, Sparks Analyst Upgrades and Steady Dividend Boost.
- Q4 revenue topped forecasts by $150M with 10.2% YoY growth, highlighting resilient client assets and advisory fees in a favorable economic environment.
- EPS of $10.83 exceeded expectations by 4.8%, building on a track record of +3.5% average earnings surprises and fueling upward revisions to $41.84 for FY2026.
- Board declared $1.60 quarterly dividend while RBC upped its target to $605 and BofA to $660, reflecting optimism on AMP's value at a forward P/E of 12.6.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
Ameriprise Crushes Q4 Earnings, Sparks Analyst Upgrades and Steady Dividend Boost.
- Q4 revenue topped forecasts by $150M with 10.2% YoY growth, highlighting resilient client assets and advisory fees in a favorable economic environment.
- EPS of $10.83 exceeded expectations by 4.8%, building on a track record of +3.5% average earnings surprises and fueling upward revisions to $41.84 for FY2026.
- Board declared $1.60 quarterly dividend while RBC upped its target to $605 and BofA to $660, reflecting optimism on AMP's value at a forward P/E of 12.6.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
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 date is scheduled for Thursday, April 23, 2026, where the company will report Q1 2026 results. This follows the company's recent Q4 2025 earnings release on January 29, 2026, where it reported EPS of $10.83, exceeding analyst expectations of $10.30. The April earnings call will provide management's discussion of first-quarter financial performance and forward guidance for the year.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
Ameriprise Financial (AMP) Next Earnings Date
Ameriprise Financial's next earnings date is scheduled for Thursday, April 23, 2026, where the company will report Q1 2026 results. This follows the company's recent Q4 2025 earnings release on January 29, 2026, where it reported EPS of $10.83, exceeding analyst expectations of $10.30. The April earnings call will provide management's discussion of first-quarter financial performance and forward guidance for the year.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
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
Explore BasketBuy AMP or SOFI in Nemo
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