AMERIPRISE FINANCIAL INC (AMP) Fundamental Analysis & Valuation

NYSE:AMP • US03076C1062

Current stock price

477.67 USD
+2.29 (+0.48%)
Last:

This AMP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. AMP Profitability Analysis

1.1 Basic Checks

  • AMP had positive earnings in the past year.
  • AMP had a positive operating cash flow in the past year.
  • Each year in the past 5 years AMP has been profitable.
  • AMP had a positive operating cash flow in each of the past 5 years.
AMP Yearly Net Income VS EBIT VS OCF VS FCFAMP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • AMP has a Return On Assets (1.87%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 54.41%, AMP belongs to the top of the industry, outperforming 97.49% of the companies in the same industry.
  • AMP has a Return On Invested Capital of 2.47%. This is in the lower half of the industry: AMP underperforms 66.95% of its industry peers.
  • AMP had an Average Return On Invested Capital over the past 3 years of 2.27%. This is significantly below the industry average of 7.30%.
  • The 3 year average ROIC (2.27%) for AMP is below the current ROIC(2.47%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.87%
ROE 54.41%
ROIC 2.47%
ROA(3y)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
AMP Yearly ROA, ROE, ROICAMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • With a Profit Margin value of 18.84%, AMP perfoms like the industry average, outperforming 52.30% 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 30.85%, AMP perfoms like the industry average, outperforming 59.41% of the companies in the same industry.
  • AMP's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 52.67%, AMP is in line with its industry, outperforming 59.83% of the companies in the same industry.
  • AMP's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 30.85%
PM (TTM) 18.84%
GM 52.67%
OM growth 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
AMP Yearly Profit, Operating, Gross MarginsAMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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3

2. AMP Health Analysis

2.1 Basic Checks

  • AMP has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AMP has less shares outstanding
  • Compared to 1 year ago, AMP has an improved debt to assets ratio.
AMP Yearly Shares OutstandingAMP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
AMP Yearly Total Debt VS Total AssetsAMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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.
  • The Altman-Z score of AMP (0.47) is worse than 62.76% of its industry peers.
  • The Debt to FCF ratio of AMP is 4.85, which is a neutral value as it means it would take AMP, 4.85 years of fcf income to pay off all of its debts.
  • AMP has a better Debt to FCF ratio (4.85) than 69.04% of its industry peers.
  • AMP has a Debt/Equity ratio of 6.05. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 6.05, AMP is not doing good in the industry: 87.45% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.05
Debt/FCF 4.85
Altman-Z 0.47
ROIC/WACCN/A
WACCN/A
AMP Yearly LT Debt VS Equity VS FCFAMP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.3 Liquidity

  • AMP has a Current Ratio of 0.67. This is a bad value and indicates that AMP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.67, AMP is doing worse than 69.87% of the companies in the same industry.
  • AMP has a Quick Ratio of 0.67. This is a bad value and indicates that AMP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.67, AMP is doing worse than 69.46% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
AMP Yearly Current Assets VS Current LiabilitesAMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. AMP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.11% over the past year.
  • Measured over the past years, AMP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.46% on average per year.
  • AMP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.82%.
  • AMP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.60% yearly.
EPS 1Y (TTM)15.11%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%18.53%
Revenue 1Y (TTM)6.82%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%11.67%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.28% on average over the next years. This is quite good.
  • Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 5.98% on average per year.
EPS Next Y9.21%
EPS Next 2Y8.88%
EPS Next 3Y8.58%
EPS Next 5Y12.28%
Revenue Next Year4.89%
Revenue Next 2Y4.54%
Revenue Next 3Y4.1%
Revenue Next 5Y5.98%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AMP Yearly Revenue VS EstimatesAMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
AMP Yearly EPS VS EstimatesAMP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20 40 60

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6

4. AMP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.63, the valuation of AMP can be described as reasonable.
  • AMP's Price/Earnings ratio is a bit cheaper when compared to the industry. AMP is cheaper than 60.25% of the companies in the same industry.
  • AMP is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.25, the valuation of AMP can be described as very reasonable.
  • AMP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AMP is cheaper than 67.36% of the companies in the same industry.
  • AMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 11.63
Fwd PE 10.25
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • AMP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AMP is cheaper than 85.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.31
EV/EBITDA N/A
AMP Per share dataAMP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

  • AMP's 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)1.26
PEG (5Y)0.63
EPS Next 2Y8.88%
EPS Next 3Y8.58%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. AMP Dividend Analysis

5.1 Amount

  • AMP has a Yearly Dividend Yield of 1.43%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 6.53, AMP is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.82, AMP is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.43%

5.2 History

  • The dividend of AMP is nicely growing with an annual growth rate of 9.05%!
  • AMP has paid a dividend for at least 10 years, which is a reliable track record.
  • AMP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.05%
Div Incr Years20
Div Non Decr Years20
AMP Yearly Dividends per shareAMP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • AMP pays out 16.73% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of AMP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP16.73%
EPS Next 2Y8.88%
EPS Next 3Y8.58%
AMP Yearly Income VS Free CF VS DividendAMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
AMP Dividend Payout.AMP Dividend Payout, showing the Payout Ratio.AMP Dividend Payout.PayoutRetained Earnings

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AMP Fundamentals: All Metrics, Ratios and Statistics

AMERIPRISE FINANCIAL INC

NYSE:AMP (4/30/2026, 3:20:57 PM)

477.67

+2.29 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Industry Strength29.19
Industry Growth54.66
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners90.26%
Inst Owner Change0.2%
Ins Owners0.17%
Ins Owner Change-2.51%
Market Cap43.32B
Revenue(TTM)19.32B
Net Income(TTM)3.56B
Analysts75
Price Target549.96 (15.13%)
Short Float %2.93%
Short Ratio3.8
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
Yearly Dividend6.36
Dividend Growth(5Y)9.05%
DP16.73%
Div Incr Years20
Div Non Decr Years20
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.18%
Min EPS beat(2)0.47%
Max EPS beat(2)3.88%
EPS beat(4)4
Avg EPS beat(4)2.06%
Min EPS beat(4)0.34%
Max EPS beat(4)3.88%
EPS beat(8)7
Avg EPS beat(8)0.4%
EPS beat(12)7
Avg EPS beat(12)-1.14%
EPS beat(16)11
Avg EPS beat(16)0.36%
Revenue beat(2)2
Avg Revenue beat(2)3.11%
Min Revenue beat(2)2.74%
Max Revenue beat(2)3.48%
Revenue beat(4)2
Avg Revenue beat(4)0.59%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.48%
Revenue beat(8)2
Avg Revenue beat(8)-0.25%
Revenue beat(12)6
Avg Revenue beat(12)0.34%
Revenue beat(16)9
Avg Revenue beat(16)0.83%
PT rev (1m)-2.87%
PT rev (3m)0.97%
EPS NQ rev (1m)-1.32%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0.03%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)-0.48%
Revenue NY rev (3m)-0.76%
Valuation
Industry RankSector Rank
PE 11.63
Fwd PE 10.25
P/S 2.29
P/FCF 5.31
P/OCF 5.2
P/B 6.61
P/tB 6.61
EV/EBITDA N/A
EPS(TTM)41.07
EY8.6%
EPS(NY)46.61
Fwd EY9.76%
FCF(TTM)89.99
FCFY18.84%
OCF(TTM)91.77
OCFY19.21%
SpS208.52
BVpS72.21
TBVpS72.21
PEG (NY)1.26
PEG (5Y)0.63
Graham Number258.322 (-45.92%)
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 54.41%
ROCE 3.8%
ROIC 2.47%
ROICexc 2.61%
ROICexgc 6.06%
OM 30.85%
PM (TTM) 18.84%
GM 52.67%
FCFM 43.15%
ROA(3y)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
ROICexc(3y)2.38%
ROICexc(5y)2.13%
ROICexgc(3y)5.37%
ROICexgc(5y)5.02%
ROCE(3y)3.57%
ROCE(5y)3.14%
ROICexgc growth 3Y13.23%
ROICexgc growth 5Y15.57%
ROICexc growth 3Y13.28%
ROICexc growth 5Y20.92%
OM growth 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
F-Score7
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 6.05
Debt/FCF 4.85
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.86%
Interest Coverage 7.76
Cash Conversion N/A
Profit Quality 229.05%
Current Ratio 0.67
Quick Ratio 0.67
Altman-Z 0.47
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.99%
Cap/Sales(5y)1.03%
Profit Quality(3y)197.96%
Profit Quality(5y)175.02%
High Growth Momentum
Growth
EPS 1Y (TTM)15.11%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%18.53%
EPS Next Y9.21%
EPS Next 2Y8.88%
EPS Next 3Y8.58%
EPS Next 5Y12.28%
Revenue 1Y (TTM)6.82%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%11.67%
Revenue Next Year4.89%
Revenue Next 2Y4.54%
Revenue Next 3Y4.1%
Revenue Next 5Y5.98%
EBIT growth 1Y11.68%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year24.39%
EBIT Next 3Y9.31%
EBIT Next 5YN/A
FCF growth 1Y27.14%
FCF growth 3Y24.54%
FCF growth 5Y12.76%
OCF growth 1Y26.2%
OCF growth 3Y23.61%
OCF growth 5Y12.48%

AMERIPRISE FINANCIAL INC / AMP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AMERIPRISE FINANCIAL INC (AMP) stock?

ChartMill assigns a fundamental rating of 5 / 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.


How profitable is AMERIPRISE FINANCIAL INC (AMP) stock?

AMERIPRISE FINANCIAL INC (AMP) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for AMP stock?

The Earnings per Share (EPS) of AMERIPRISE FINANCIAL INC (AMP) is expected to grow by 9.21% in the next year.


Can you provide the dividend sustainability for AMP stock?

The dividend rating of AMERIPRISE FINANCIAL INC (AMP) is 6 / 10 and the dividend payout ratio is 16.73%.