AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

NYSE:AMP • US03076C1062

467.3 USD
-18.66 (-3.84%)
At close: Feb 12, 2026
466.06 USD
-1.24 (-0.27%)
After Hours: 2/12/2026, 5:27:52 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. AMP was compared to 238 industry peers in the Capital Markets industry. There are concerns on the financial health of AMP while its profitability can be described as average. AMP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year AMP was profitable.
  • AMP had a positive operating cash flow in the past year.
  • AMP had positive earnings in each of the past 5 years.
  • AMP had a positive operating cash flow in 4 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

1.2 Ratios

  • The Return On Assets of AMP (1.91%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 56.17%, AMP belongs to the top of the industry, outperforming 98.32% of the companies in the same industry.
  • AMP has a Return On Invested Capital of 2.39%. This is in the lower half of the industry: AMP underperforms 61.76% of its industry peers.
  • AMP had an Average Return On Invested Capital over the past 3 years of 2.27%. This is below the industry average of 7.22%.
  • The last Return On Invested Capital (2.39%) for AMP is above the 3 year average (2.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.91%
ROE 56.17%
ROIC 2.39%
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

  • AMP has a Profit Margin (19.59%) which is in line with its industry peers.
  • AMP's Profit Margin has improved in the last couple of years.
  • AMP has a better Operating Margin (30.50%) than 60.50% of its industry peers.
  • In the last couple of years the Operating Margin of AMP has grown nicely.
  • AMP has a Gross Margin (52.46%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of AMP has grown nicely.
Industry RankSector Rank
OM 30.5%
PM (TTM) 19.59%
GM 52.46%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • AMP has less shares outstanding than it did 1 year ago.
  • AMP has less shares outstanding than it did 5 years ago.
  • 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.
  • AMP's Altman-Z score of 0.47 is on the low side compared to the rest of the industry. AMP is outperformed by 60.50% of its industry peers.
  • 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.
  • AMP has a Debt to FCF ratio of 6.74. This is in the better half of the industry: AMP outperforms 66.39% 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.
  • The Debt to Equity ratio of AMP (6.12) is worse than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.12
Debt/FCF 6.74
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

2.3 Liquidity

  • A Current Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
  • The Current ratio of AMP (0.68) is worse than 66.39% of its industry peers.
  • AMP has a Quick 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.
  • The Quick ratio of AMP (0.68) is worse than 65.97% of its industry peers.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.71% 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.
  • The Revenue has been growing slightly by 5.49% in the past year.
  • 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)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.34% on average over the next years.
  • The Revenue is expected to grow by 3.81% on average over the next years.
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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 10 20 30 40

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.89 indicates a reasonable valuation of AMP.
  • AMP's Price/Earnings ratio is in line with the industry average.
  • AMP is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.95 indicates a reasonable valuation of AMP.
  • AMP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AMP is cheaper than 63.45% 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 28.01.
Industry RankSector Rank
PE 11.89
Fwd PE 10.95
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 83.61% of the companies in the same industry are more expensive than AMP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.41
EV/EBITDA N/A
AMP Per share dataAMP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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)1.39
PEG (5Y)0.64
EPS Next 2Y8.31%
EPS Next 3Y8.1%

More info and screens

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

5

5. Dividend

5.1 Amount

  • AMP has a Yearly Dividend Yield of 1.20%. Purely for dividend investing, there may be better candidates out there.
  • AMP's Dividend Yield is slightly below the industry average, which is at 6.12.
  • Compared to the average S&P500 Dividend Yield of 1.80, AMP is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.2%

5.2 History

  • The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
  • 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
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

  • 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 2Y8.31%
EPS Next 3Y8.1%
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
AMP Dividend Payout.AMP Dividend Payout, showing the Payout Ratio.AMP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

AMERIPRISE FINANCIAL INC

NYSE:AMP (2/12/2026, 5:27:52 PM)

After market: 466.06 -1.24 (-0.27%)

467.3

-18.66 (-3.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners89.11%
Inst Owner Change-1.62%
Ins Owners0.2%
Ins Owner Change1.12%
Market Cap43.42B
Revenue(TTM)18.91B
Net Income(TTM)3.63B
Analysts73.68
Price Target575.57 (23.17%)
Short Float %3.08%
Short Ratio4.78
Dividend
Industry RankSector Rank
Dividend Yield 1.2%
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-09
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)4.38%
PT rev (3m)2.1%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)1.91%
EPS NY rev (1m)0.53%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 10.95
P/S 2.35
P/FCF 7.41
P/OCF 7.19
P/B 6.73
P/tB 6.73
EV/EBITDA N/A
EPS(TTM)39.31
EY8.41%
EPS(NY)42.66
Fwd EY9.13%
FCF(TTM)63.08
FCFY13.5%
OCF(TTM)64.98
OCFY13.9%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1.39
PEG (5Y)0.64
Graham Number247.89
Profitability
Industry RankSector Rank
ROA 1.91%
ROE 56.17%
ROCE 3.68%
ROIC 2.39%
ROICexc 2.52%
ROICexgc 5.9%
OM 30.5%
PM (TTM) 19.59%
GM 52.46%
FCFM 31.66%
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)5.38%
ROICexgc(5y)5.03%
ROCE(3y)3.56%
ROCE(5y)3.14%
ROICexgc growth 3Y13.57%
ROICexgc growth 5Y15.78%
ROICexc growth 3Y13.22%
ROICexc growth 5Y20.88%
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-Score8
Asset Turnover0.1
Health
Industry RankSector 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-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y21.6%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year17.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.74%
OCF growth 3YN/A
OCF growth 5YN/A

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 11.89 and the Price/Book (PB) ratio is 6.73.


How financially healthy is AMERIPRISE FINANCIAL INC?

The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.