AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMP - US03076C1062 - Common Stock
509.32 USD
+1.22 (+0.24%)
509.32 USD
0 (0%)
Overall AMP gets a fundamental rating of 5 out of 10. We evaluated AMP against 238 industry peers in the Capital Markets industry. While AMP has a great profitability rating, there are quite some concerns on its financial health. AMP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- AMP had positive earnings in the past year.
- AMP had a positive operating cash flow in the past year.
- In the past 5 years AMP has always been profitable.
- AMP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 1.91%, AMP perfoms like the industry average, outperforming 45.15% of the companies in the same industry.
- The Return On Equity of AMP (56.17%) is better than 98.31% 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 61.60% 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 7.15%.
- The 3 year average ROIC (2.01%) for AMP is below the current ROIC(2.39%), indicating increased profibility in the last year.
| 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
- The Profit Margin of AMP (19.59%) is comparable to the rest of the industry.
- AMP's Profit Margin has improved in the last couple of years.
- AMP has a better Operating Margin (30.50%) than 61.18% of its industry peers.
- In the last couple of years the Operating Margin of AMP has grown nicely.
- With a decent Gross Margin value of 52.46%, AMP is doing good in the industry, outperforming 60.34% of the companies in the same industry.
- AMP's Gross Margin has improved in the last couple of years.
| 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.
- The debt/assets ratio for AMP has been reduced compared to a year ago.
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.
- AMP has a Altman-Z score of 0.47. This is in the lower half of the industry: AMP underperforms 61.18% of its industry peers.
- AMP has a debt to FCF ratio of 6.74. This is a slightly negative value and a sign of low solvency as AMP would need 6.74 years to pay back of all of its debts.
- The Debt to FCF ratio of AMP (6.74) is better than 66.24% of its industry peers.
- A Debt/Equity ratio of 6.12 is on the high side and indicates that AMP has dependencies on debt financing.
- With a Debt to Equity ratio value of 6.12, AMP is not doing good in the industry: 85.65% of the companies in the same industry are doing better.
| 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 67.09% of its industry peers.
- A Quick Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
- With a Quick ratio value of 0.68, AMP is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
- AMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.75%, which is quite good.
- The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
- AMP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.12%.
- The Revenue has been growing slightly by 6.82% on average over the past years.
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
- Based on estimates for the next years, AMP will show a small growth in Earnings Per Share. The EPS will grow by 6.97% on average per year.
- The Revenue is expected to grow by 5.94% on average over the next years.
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue Next Year6.88%
Revenue Next 2Y6.29%
Revenue Next 3Y5.92%
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.46, which indicates a correct valuation of AMP.
- Compared to the rest of the industry, the Price/Earnings ratio of AMP indicates a somewhat cheap valuation: AMP is cheaper than 60.34% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, AMP is valued rather cheaply.
- With a Price/Forward Earnings ratio of 12.00, AMP is valued correctly.
- 64.14% of the companies in the same industry are more expensive than AMP, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of AMP to the average of the S&P500 Index (24.29), we can say AMP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 12 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, AMP is valued cheaply inside the industry as 81.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.07 | ||
| 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.
- The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)1.03
PEG (5Y)0.83
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
- AMP has a Yearly Dividend Yield of 1.26%.
- Compared to an average industry Dividend Yield of 6.10, AMP is paying slightly less dividend.
- AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
5.2 History
- On average, the dividend of AMP grows each year by 8.56%, which is quite nice.
- AMP has been paying a dividend for at least 10 years, so it has 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%
509.32
+1.22 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-29 2026-01-29/amc
Inst Owners89.11%
Inst Owner Change0.08%
Ins Owners0.2%
Ins Owner Change1.53%
Market Cap47.32B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73.68
Price Target553.69 (8.71%)
Short Float %3.28%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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)1.37%
PT rev (3m)-2.93%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)2.67%
EPS NY rev (1m)0%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)1.96%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 12 | ||
| P/S | 2.56 | ||
| P/FCF | 8.07 | ||
| P/OCF | 7.84 | ||
| P/B | 7.33 | ||
| P/tB | 7.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.84
EY7.43%
EPS(NY)42.44
Fwd EY8.33%
FCF(TTM)63.08
FCFY12.39%
OCF(TTM)64.98
OCFY12.76%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1.03
PEG (5Y)0.83
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 Year6.88%
Revenue Next 2Y6.29%
Revenue Next 3Y5.92%
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 6 / 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 13.46 and the Price/Book (PB) ratio is 7.33.
How financially healthy is AMERIPRISE FINANCIAL INC?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.