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Ameriprise Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$1.4B in Q3 2026 · $7.3B over twelve months

Operating cash flow$1.5B
Capital spending−$42.0M
Free cash flow+$1.4B
Cash / net income1.3×

Analysis

In Q3 2026, Ameriprise Financial generated $1.5B of operating cash flow and spent $42.0M on capital projects, leaving free cash flow of $1.4B. That is $731M less than in Q3 2025 ($2.2B).

Over the twelve months to Sep 30, 2026, operating cash flow was $7.5B; the largest uses were other investing ($3.9B), buybacks ($3.5B), dividends ($600M); besides operations, cash came from net borrowing (+) / repaid (−) ($242M); the cash balance fell by $885M.

Operating cash flow was $1.5B against net income of $1.1B — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other operating capital −$456M, income taxes payable +$367M, receivables +$217M.

Free cash flow

Ameriprise Financial: free cash flow by quarterAmeriprise Financial: free cash flow by quarter$325MQ4 2024$1.6BQ1 2025$1.7BQ2 2025$2.2BQ3 2025$2.6BQ4 2025$430MQ1 2026$2.8BQ2 2026$1.4BQ3 2026
Operating cash flow less capital spending.
Ameriprise Financial: operating cash flow against capital spendingAmeriprise Financial: operating cash flow against capital spendingOperating cash flowCapital spending$383M$58.0MQ4 2024$1.7B$36.0MQ1 2025$1.8B$38.0MQ2 2025$2.2B$44.0MQ3 2025$2.7B$44.0MQ4 2025$459M$29.0MQ1 2026$2.9B$37.0MQ2 2026$1.5B$42.0MQ3 2026
Latest (Q3 2026): Operating cash flow $1.5B, Capital spending $42.0M.

Capital allocation, year by year

Ameriprise Financial: where the cash came from (up) and went (down), by fiscal yearAmeriprise Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $3.3BFY2021: Net borrowing −$14.0MFY2021: Shares issued $1.0MFY2021: Capital spending −$120MFY2021: Acquisitions −$576MFY2021: Buybacks −$2.0BFY2021: Dividends −$511M$3.3BFY2021FY2022: Operating cash flow $4.4BFY2022: Net borrowing −$25.0MFY2022: Capital spending −$182MFY2022: Acquisitions $34.0MFY2022: Buybacks −$2.0BFY2022: Dividends −$534M$4.4BFY2022FY2023: Operating cash flow $4.7BFY2023: Net borrowing $565MFY2023: Capital spending −$184MFY2023: Buybacks −$2.1BFY2023: Dividends −$550M$5.2BFY2023FY2024: Operating cash flow $6.6BFY2024: Net borrowing −$572MFY2024: Capital spending −$176MFY2024: Buybacks −$2.4BFY2024: Dividends −$574M$6.6BFY2024FY2025: Operating cash flow $8.3BFY2025: Net borrowing $222MFY2025: Capital spending −$162MFY2025: Buybacks −$2.9BFY2025: Dividends −$596M$8.5BFY2025
Over these 5 years operating cash flow totalled $27.3B; the largest uses were buybacks ($11.5B) and dividends ($2.8B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$10.1B
Debtnone
Net cash$10.1B

Ameriprise Financial funds itself: free cash flow was $7.3B over the last twelve months, with $10.1B of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Ameriprise Financial: sources (+) and uses (−) of cash, Q3 2026Ameriprise Financial: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$1.5BCash drawn (+) / kept (−)$1.1BBuybacks−$915MOther investing−$865MNet borrowing (+) / repaid (−)−$499MDividends−$151MOther financing−$91.0MCapital spending−$42.0M
Ameriprise Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Ameriprise Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$7.5BOther investing−$3.9BBuybacks−$3.5BCash drawn (+) / kept (−)$885MDividends−$600MOther financing−$450MNet borrowing (+) / repaid (−)$242MCapital spending−$152MExchange rates−$7.0M

From profit to cash

Ameriprise Financial: net income to operating cash flow, Q3 2026Ameriprise Financial: net income to operating cash flow, Q3 2026Net income$1.1BDepreciation & amortization−$4.0MStock-based pay$54.0MDeferred taxes−$71.0MGains on investments−$8.0MReceivables$217MPayables$192MIncome taxes payable$367MOther operating capital−$456MOperating cash flow$1.5B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.5B−$42.0M−$915M−$151M−$499M$1.1B$1.4B
Q2 2026$2.9B−$37.0M−$779M−$152M$742M−$1.8B$2.8B
Q1 2026$459M−$29.0M−$874M−$148M—$1.8B$430M
Q4 2025$2.7B−$44.0M−$895M−$149M−$1.0M−$206M$2.6B
Q3 2025$2.2B−$44.0M−$701M−$151M−$2.0M−$1.3B$2.2B
Q2 2025$1.8B−$38.0M−$581M−$152M−$503M−$651M$1.7B
Q1 2025$1.7B−$36.0M−$730M−$144M$737M$530M$1.6B
Q4 2024$383M−$58.0M−$665M−$144M−$553M$1.9B$325M

Ameriprise Financial: income statement and cash flow

Ameriprise Financial, Q3 2026: revenue $5.2B (+6% year over year), operating margin 28.9%. The chart follows the revenue to costs, profit and cash.

Ameriprise Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.