AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMP - US03076C1062 - Common Stock
495.37 USD
-14.79 (-2.9%)
495.37 USD
0 (0%)
AMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. While AMP is still in line with the averages on profitability rating, there are concerns on its financial health. AMP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year AMP was profitable.
- In the past year AMP had a positive cash flow from operations.
- Each year in the past 5 years AMP has been profitable.
- In the past 5 years AMP always reported a positive cash flow from operatings.
1.2 Ratios
- AMP has a Return On Assets (1.91%) which is in line with its industry peers.
- AMP has a better Return On Equity (56.17%) than 98.30% of its industry peers.
- AMP has a Return On Invested Capital of 2.39%. This is in the lower half of the industry: AMP underperforms 62.13% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AMP is significantly below the industry average of 7.17%.
- The last Return On Invested Capital (2.39%) for AMP is above the 3 year average (2.01%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 56.17% | ||
| ROIC | 2.39% |
ROA(3y)1.65%
ROA(5y)1.49%
ROE(3y)62.13%
ROE(5y)51.8%
ROIC(3y)2.01%
ROIC(5y)1.73%
1.3 Margins
- Looking at the Profit Margin, with a value of 19.59%, AMP is in line with its industry, outperforming 56.60% of the companies in the same industry.
- In the last couple of years the Profit Margin of AMP has grown nicely.
- With a Operating Margin value of 30.50%, AMP perfoms like the industry average, outperforming 58.72% of the companies in the same industry.
- AMP's Operating Margin has improved in the last couple of years.
- With a Gross Margin value of 52.46%, AMP perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- In the last couple of years the Gross Margin of AMP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.5% | ||
| PM (TTM) | 19.59% | ||
| GM | 52.46% |
OM growth 3Y3.43%
OM growth 5Y10.96%
PM growth 3Y-2.6%
PM growth 5Y5.26%
GM growth 3Y-0.51%
GM growth 5Y3.31%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, AMP has less shares outstanding
- AMP has less shares outstanding than it did 5 years ago.
- AMP has a better debt/assets ratio than last year.
2.2 Solvency
- AMP has an Altman-Z score of 0.47. This is a bad value and indicates that AMP is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.47, AMP is not doing good in the industry: 60.43% of the companies in the same industry are doing better.
- The Debt to FCF ratio of AMP is 6.74, which is on the high side as it means it would take AMP, 6.74 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 6.74, AMP is doing good in the industry, outperforming 65.96% of the companies in the same industry.
- AMP has a Debt/Equity ratio of 6.12. This is a high value indicating a heavy dependency on external financing.
- AMP has a worse Debt to Equity ratio (6.12) than 85.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Altman-Z | 0.47 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- AMP has a Current Ratio of 0.68. This is a bad value and indicates that AMP is not financially healthy enough and could expect problems in meeting its short term obligations.
- AMP has a Current ratio of 0.68. This is in the lower half of the industry: AMP underperforms 67.23% of its industry peers.
- A Quick Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
- AMP has a Quick ratio of 0.68. This is in the lower half of the industry: AMP underperforms 66.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.75% over the past year.
- The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
- Looking at the last year, AMP shows a small growth in Revenue. The Revenue has grown by 6.12% in the last year.
- Measured over the past years, AMP shows a small growth in Revenue. The Revenue has been growing by 6.82% on average per year.
EPS 1Y (TTM)16.75%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%21.85%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%8.93%
3.2 Future
- The Earnings Per Share is expected to grow by 6.97% on average over the next years.
- AMP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.94% yearly.
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue Next Year6.4%
Revenue Next 2Y6.3%
Revenue Next 3Y5.56%
Revenue Next 5Y5.94%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.09 indicates a correct valuation of AMP.
- Based on the Price/Earnings ratio, AMP is valued a bit cheaper than 61.28% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. AMP is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 11.67 indicates a reasonable valuation of AMP.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AMP indicates a somewhat cheap valuation: AMP is cheaper than 64.68% of the companies listed in the same industry.
- AMP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.09 | ||
| Fwd PE | 11.67 |
4.2 Price Multiples
- 80.00% of the companies in the same industry are more expensive than AMP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- AMP has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)0.8
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.27%, AMP has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.19, AMP is paying slightly less dividend.
- AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
- On average, the dividend of AMP grows each year by 8.56%, which is quite nice.
- AMP has paid a dividend for at least 10 years, which is a reliable track record.
- AMP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.56%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
- 16.30% of the earnings are spent on dividend by AMP. This is a low number and sustainable payout ratio.
- The dividend of AMP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.3%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
495.37
-14.79 (-2.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.11%
Inst Owner Change0.13%
Ins Owners0.2%
Ins Owner Change1.53%
Market Cap46.02B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73.68
Price Target551.41 (11.31%)
Short Float %3.28%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.4%
Min EPS beat(2)0.34%
Max EPS beat(2)0.47%
EPS beat(4)4
Avg EPS beat(4)1.7%
Min EPS beat(4)0.34%
Max EPS beat(4)3.55%
EPS beat(8)6
Avg EPS beat(8)-1.02%
EPS beat(12)7
Avg EPS beat(12)-0.96%
EPS beat(16)11
Avg EPS beat(16)0.54%
Revenue beat(2)1
Avg Revenue beat(2)1.31%
Min Revenue beat(2)-0.85%
Max Revenue beat(2)3.48%
Revenue beat(4)1
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.48%
Revenue beat(8)2
Avg Revenue beat(8)-0.4%
Revenue beat(12)6
Avg Revenue beat(12)0.62%
Revenue beat(16)9
Avg Revenue beat(16)0.81%
PT rev (1m)0.95%
PT rev (3m)-3.33%
EPS NQ rev (1m)1.21%
EPS NQ rev (3m)5.06%
EPS NY rev (1m)0%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)2.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.09 | ||
| Fwd PE | 11.67 | ||
| P/S | 2.49 | ||
| P/FCF | 7.85 | ||
| P/OCF | 7.62 | ||
| P/B | 7.13 | ||
| P/tB | 7.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.84
EY7.64%
EPS(NY)42.44
Fwd EY8.57%
FCF(TTM)63.08
FCFY12.73%
OCF(TTM)64.98
OCFY13.12%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1
PEG (5Y)0.8
Graham Number243.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 56.17% | ||
| ROCE | 3.68% | ||
| ROIC | 2.39% | ||
| ROICexc | 2.52% | ||
| ROICexgc | 5.89% | ||
| OM | 30.5% | ||
| PM (TTM) | 19.59% | ||
| GM | 52.46% | ||
| FCFM | 31.66% |
ROA(3y)1.65%
ROA(5y)1.49%
ROE(3y)62.13%
ROE(5y)51.8%
ROIC(3y)2.01%
ROIC(5y)1.73%
ROICexc(3y)2.11%
ROICexc(5y)1.81%
ROICexgc(3y)4.74%
ROICexgc(5y)4.4%
ROCE(3y)3.2%
ROCE(5y)2.66%
ROICexgc growth 3Y4.22%
ROICexgc growth 5Y9.43%
ROICexc growth 3Y12.92%
ROICexc growth 5Y14.97%
OM growth 3Y3.43%
OM growth 5Y10.96%
PM growth 3Y-2.6%
PM growth 5Y5.26%
GM growth 3Y-0.51%
GM growth 5Y3.31%
F-Score9
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.95% | ||
| Interest Coverage | 6.89 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.64% | ||
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 0.47 |
F-Score9
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.1%
Profit Quality(3y)176.65%
Profit Quality(5y)187.57%
High Growth Momentum
Growth
EPS 1Y (TTM)16.75%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%21.85%
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%8.93%
Revenue Next Year6.4%
Revenue Next 2Y6.3%
Revenue Next 3Y5.56%
Revenue Next 5Y5.94%
EBIT growth 1Y21.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year24.65%
EBIT Next 3Y8.03%
EBIT Next 5YN/A
FCF growth 1Y64.22%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y60.6%
OCF growth 3Y25.64%
OCF growth 5Y23.02%
AMERIPRISE FINANCIAL INC / AMP FAQ
What is the ChartMill fundamental rating of AMERIPRISE FINANCIAL INC (AMP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMP.
What is the valuation status for AMP stock?
ChartMill assigns a valuation rating of 5 / 10 to AMERIPRISE FINANCIAL INC (AMP). This can be considered as Fairly Valued.
What is the profitability of AMP stock?
AMERIPRISE FINANCIAL INC (AMP) has a profitability rating of 6 / 10.
What are the PE and PB ratios of AMERIPRISE FINANCIAL INC (AMP) stock?
The Price/Earnings (PE) ratio for AMERIPRISE FINANCIAL INC (AMP) is 13.09 and the Price/Book (PB) ratio is 7.13.
How financially healthy is AMERIPRISE FINANCIAL INC?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.