Ameriprise Financial vs The Hartford

This page compares Ameriprise Financial and The Hartford, examining their business models, financial performance, and market context. It considers client service approaches, product strategies, risk management, and competitive positioning in financial services. Content is neutral and designed to be accessible for educational purposes. Educational content, not financial advice.

About The Companies

Ameriprise Financial (AMP)

Ameriprise Financial, Inc. (AMP) is a diversified US-based financial services company best known for wealth management, financial planning and asset management. Its revenue mix leans on fee-based advisory services, investment product fees and insurance sales, with performance and market conditions influencing asset flows and earnings. The business benefits from a large network of advisers and recurring, asset-linked fees that can provide resilience in steady markets, yet it remains sensitive to market volatility, interest rates and regulatory change. Ameriprise returns capital to shareholders via dividends and buybacks, but investors should weigh valuation, fee pressure and client retention metrics when assessing prospects. Suitable for investors seeking exposure to wealth management and financial services, but this is general educational information only — not personalised advice. Values can rise and fall and past performance is not a reliable guide to future returns.

The Hartford (HIG)

Hartford Financial Services Group, Inc. (HIG) is a US-based insurance company focused on property & casualty (commercial and personal lines) and group benefits for employers. With a market capitalisation of about $35.17B, Hartford earns from underwriting premiums and investment income from a sizeable fixed-income portfolio. Key considerations for investors include underwriting performance (loss ratios and combined ratio), exposure to natural catastrophes, reserve adequacy and the impact of interest rates on investment returns. The company operates in a heavily regulated industry where capital levels, credit ratings and reinsurance arrangements matter. Hartford has a history of returning capital to shareholders through dividends and buybacks, but distributions depend on earnings and regulatory capital. This summary is for general educational purposes only and not personalised investment advice; values can rise and fall and past outcomes do not guarantee future results.

Comparison Snapshot

Key Financial Metrics

AMP

Metric

HIG

$46.32B

Market Cap

$37.70B

8.57%

Potential Profit

4.10%

Hold

Analyst Rating

Buy

Why It's Moving

Ameriprise Financial shares gain on upgraded earnings outlook amid solid asset inflows

Zacks upgraded Ameriprise to a #2 (Buy) rank due to a 1.8% increase in earnings estimates over three months, signaling growing investor confidence in its earnings prospects.
The company reported Q3 adjusted operating EPS of $9.87, a 22% increase year-over-year, highlighting strong profitability and revenue growth.
Ameriprise added multiple advisory teams recently, bringing over $270 million in client assets, which supports long-term business growth and advisor network expansion.

Sentiment:

🐃Bullish

The Hartford Boosts Dividend and Posts Record Q3 Earnings Amid Rising Small-Business Insurance Claims

The Hartford raised its quarterly dividend from $0.52 to $0.60, marking a 15% increase and reflecting confidence in cash flow with a payout ratio under 20%.
Q3 2025 net income hit a record $1.1 billion, or $3.77 per diluted share, up from $761 million the previous year, driven by a 7% rise in Property & Casualty premiums, including 9% growth in Business Insurance.
Small-business insurance claims reveal water and freezing damage as the top cause of losses, signaling increased risk exposure and prompting investments in AI-driven risk mitigation tools to help clients proactively reduce claims.

Sentiment:

🐃Bullish

Ameriprise Financial shares gain on upgraded earnings outlook amid solid asset inflows

Zacks upgraded Ameriprise to a #2 (Buy) rank due to a 1.8% increase in earnings estimates over three months, signaling growing investor confidence in its earnings prospects.
The company reported Q3 adjusted operating EPS of $9.87, a 22% increase year-over-year, highlighting strong profitability and revenue growth.
Ameriprise added multiple advisory teams recently, bringing over $270 million in client assets, which supports long-term business growth and advisor network expansion.

Sentiment:

🐃Bullish

The Hartford Boosts Dividend and Posts Record Q3 Earnings Amid Rising Small-Business Insurance Claims

The Hartford raised its quarterly dividend from $0.52 to $0.60, marking a 15% increase and reflecting confidence in cash flow with a payout ratio under 20%.
Q3 2025 net income hit a record $1.1 billion, or $3.77 per diluted share, up from $761 million the previous year, driven by a 7% rise in Property & Casualty premiums, including 9% growth in Business Insurance.
Small-business insurance claims reveal water and freezing damage as the top cause of losses, signaling increased risk exposure and prompting investments in AI-driven risk mitigation tools to help clients proactively reduce claims.

Sentiment:

🐃Bullish

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Which Baskets Do They Appear In?

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Published: July 1, 2025

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