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...

Comparison Snapshot

Key Financial Metrics

AMP

Metric

SOFI

$45.76B

Market Cap

$32.30B

6.96%

Potential Profit

3.79%

Hold

Analyst Rating

Hold

Why It's Moving

Allstate's Fresh Stake Signals Rising Institutional Confidence in Ameriprise Financial

Allstate Corp acquired 3,782 shares of AMP in Q3, valued at $1.86 million, highlighting renewed institutional buying in the wealth management giant.
Ameriprise welcomed a seasoned team managing $120 million in assets on January 12, boosting client experience and operational firepower.
Named the highest-ranked diversified financial services firm on TIME's America's Most Iconic Companies list for 2026, underscoring market leadership.

Sentiment:

🐃Bullish

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Q4 revenue surged 37.7% YoY to $949.6M, beating forecasts by over $69M and signaling robust demand across lending and fee-based services.
EPS hit $0.11 versus $0.09 expected, with FY2025 guidance at $0.37, highlighting improving margins and scalable growth.
Operating leverage is kicking in as fixed costs spread over expanding revenue streams, reducing reliance on lending and boosting cross-sell efficiency.

Sentiment:

🐃Bullish

Allstate's Fresh Stake Signals Rising Institutional Confidence in Ameriprise Financial

Allstate Corp acquired 3,782 shares of AMP in Q3, valued at $1.86 million, highlighting renewed institutional buying in the wealth management giant.
Ameriprise welcomed a seasoned team managing $120 million in assets on January 12, boosting client experience and operational firepower.
Named the highest-ranked diversified financial services firm on TIME's America's Most Iconic Companies list for 2026, underscoring market leadership.

Sentiment:

🐃Bullish

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Q4 revenue surged 37.7% YoY to $949.6M, beating forecasts by over $69M and signaling robust demand across lending and fee-based services.
EPS hit $0.11 versus $0.09 expected, with FY2025 guidance at $0.37, highlighting improving margins and scalable growth.
Operating leverage is kicking in as fixed costs spread over expanding revenue streams, reducing reliance on lending and boosting cross-sell efficiency.

Sentiment:

🐃Bullish

Investment Analysis

Ameriprise Financial

AMP

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.

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.

SoFi (SOFI)

SoFi Technologies, Inc. (SOFI) is a US-based fintech platform that combines lending, deposit accounts, investing, insurance and advisory services under a consumer-focused membership model. The company targets younger, digitally native customers with streamlined loan refinancing, student loan assistance, personal loans, checking and savings accounts, and a brokerage app. Revenue comes from interest margin on loans and deposits, fees from financial products, and subscription or referral-based services. SoFi has grown rapidly and benefits from cross-selling opportunities, scale effects and a large digital distribution footprint, but it faces competition from traditional banks and specialist fintech rivals, as well as regulatory and credit-cycle risks. Recent priorities include improving profitability, expanding deposits, and maintaining prudent credit underwriting. Market cap sits around $34.12B. This summary is for general educational purposes only and is not personal financial advice; investors should assess suitability and risks before acting.

Ameriprise Financial (AMP) Next Earnings Date

Ameriprise Financial (AMP) is scheduled to report its next earnings on January 29, 2026, covering the Q4 2025 fiscal quarter. This date aligns with the majority of analyst consensus and historical patterns for late-January releases before market open. Investors should monitor official company announcements for any updates.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) next earnings date is confirmed for January 30, 2026, before market open. This report will cover the Q4 2025 fiscal quarter, following the prior Q3 2025 release on October 28, 2025. Investors should monitor official company channels for any updates to the schedule.

Ameriprise Financial (AMP) Next Earnings Date

Ameriprise Financial (AMP) is scheduled to report its next earnings on January 29, 2026, covering the Q4 2025 fiscal quarter. This date aligns with the majority of analyst consensus and historical patterns for late-January releases before market open. Investors should monitor official company announcements for any updates.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) next earnings date is confirmed for January 30, 2026, before market open. This report will cover the Q4 2025 fiscal quarter, following the prior Q3 2025 release on October 28, 2025. Investors should monitor official company channels for any updates to the schedule.

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

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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 Basket

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Comparison Snapshot

Why It's Moving

Allstate's Fresh Stake Signals Rising Institutional Confidence in Ameriprise Financial

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Allstate's Fresh Stake Signals Rising Institutional Confidence in Ameriprise Financial

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges