AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - NYSE:AMP - US03076C1062 - Common Stock
452.77 USD
-1.34 (-0.3%)
452.77 USD
0 (0%)
Overall AMP gets a fundamental rating of 4 out of 10. We evaluated AMP against 237 industry peers in the Capital Markets industry. AMP has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
AMP had positive earnings in the past year.
In the past year AMP had a positive cash flow from operations.
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.
1.2 Ratios
AMP has a Return On Assets (1.74%) which is comparable to the rest of the industry.
With an excellent Return On Equity value of 53.03%, AMP belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.34%, AMP is doing worse than 62.98% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AMP is significantly below the industry average of 7.59%.
The 3 year average ROIC (2.01%) for AMP is below the current ROIC(2.34%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 53.03% | ||
| ROIC | 2.34% |
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 (17.74%) is comparable to the rest of the industry.
AMP's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 29.61%, AMP perfoms like the industry average, outperforming 56.60% of the companies in the same industry.
AMP's Operating Margin has improved in the last couple of years.
AMP has a better Gross Margin (51.86%) than 61.28% of its industry peers.
In the last couple of years the Gross Margin of AMP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.61% | ||
| PM (TTM) | 17.74% | ||
| GM | 51.86% |
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
The number of shares outstanding for AMP has been reduced compared to 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.
2.2 Solvency
AMP has an Altman-Z score of 0.44. This is a bad value and indicates that AMP is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.44, AMP is doing worse than 64.68% of the companies in the same industry.
AMP has a debt to FCF ratio of 6.05. This is a slightly negative value and a sign of low solvency as AMP would need 6.05 years to pay back of all of its debts.
The Debt to FCF ratio of AMP (6.05) is better than 70.21% of its industry peers.
A Debt/Equity ratio of 6.67 is on the high side and indicates that AMP has dependencies on debt financing.
AMP has a worse Debt to Equity ratio (6.67) than 87.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.67 | ||
| Debt/FCF | 6.05 | ||
| Altman-Z | 0.44 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.62 indicates that AMP may have some problems paying its short term obligations.
AMP has a worse Current ratio (0.62) than 72.77% of its industry peers.
A Quick Ratio of 0.62 indicates that AMP may have some problems paying its short term obligations.
AMP has a Quick ratio of 0.62. This is in the lower half of the industry: AMP underperforms 72.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 |
3. Growth
3.1 Past
AMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.91%, which is quite good.
AMP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.30% yearly.
The Revenue has grown by 11.37% in the past year. This is quite good.
The Revenue has been growing slightly by 6.82% on average over the past years.
EPS 1Y (TTM)16.91%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%22.47%
Revenue 1Y (TTM)11.37%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%6.17%
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 6.18% on average over the next years.
EPS Next Y11.39%
EPS Next 2Y9.79%
EPS Next 3Y9.16%
EPS Next 5Y6.97%
Revenue Next Year4.77%
Revenue Next 2Y5.31%
Revenue Next 3Y4.93%
Revenue Next 5Y6.18%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.95 indicates a reasonable valuation of AMP.
60.85% of the companies in the same industry are more expensive than AMP, based on the Price/Earnings ratio.
AMP is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
AMP is valuated reasonably with a Price/Forward Earnings ratio of 10.87.
Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than 62.98% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. AMP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.87 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMP indicates a somewhat cheap valuation: AMP is cheaper than 79.57% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.37 | ||
| 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)1.05
PEG (5Y)0.73
EPS Next 2Y9.79%
EPS Next 3Y9.16%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.41%, AMP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 8.40, AMP is paying slightly less dividend.
With a Dividend Yield of 1.41, AMP pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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
18.14% of the earnings are spent on dividend by AMP. This is a low number and sustainable payout ratio.
AMP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP18.14%
EPS Next 2Y9.79%
EPS Next 3Y9.16%
452.77
-1.34 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner Change-0.23%
Ins Owners0.2%
Ins Owner Change1.63%
Market Cap42.68B
Revenue(TTM)17.93B
Net Income(TTM)3.23B
Analysts73.68
Price Target563.73 (24.51%)
Short Float %2.59%
Short Ratio4.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP18.14%
Div Incr Years19
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.95%
Min EPS beat(2)0.34%
Max EPS beat(2)3.55%
EPS beat(4)3
Avg EPS beat(4)-0.93%
Min EPS beat(4)-10.06%
Max EPS beat(4)3.55%
EPS beat(8)5
Avg EPS beat(8)-2.19%
EPS beat(12)7
Avg EPS beat(12)-0.26%
EPS beat(16)11
Avg EPS beat(16)0.93%
Revenue beat(2)0
Avg Revenue beat(2)-1.93%
Min Revenue beat(2)-3.02%
Max Revenue beat(2)-0.85%
Revenue beat(4)0
Avg Revenue beat(4)-1.17%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)-0.14%
Revenue beat(8)2
Avg Revenue beat(8)-0.68%
Revenue beat(12)6
Avg Revenue beat(12)0.65%
Revenue beat(16)8
Avg Revenue beat(16)-0.5%
PT rev (1m)-1.17%
PT rev (3m)0.12%
EPS NQ rev (1m)1.85%
EPS NQ rev (3m)1.68%
EPS NY rev (1m)0.92%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)0.79%
Revenue NQ rev (3m)0.79%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.87 | ||
| P/S | 2.35 | ||
| P/FCF | 6.37 | ||
| P/OCF | 6.2 | ||
| P/B | 7.02 | ||
| P/tB | 7.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.89
EY8.37%
EPS(NY)41.67
Fwd EY9.2%
FCF(TTM)71.07
FCFY15.7%
OCF(TTM)72.99
OCFY16.12%
SpS192.85
BVpS64.52
TBVpS64.52
PEG (NY)1.05
PEG (5Y)0.73
Graham Number234.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 53.03% | ||
| ROCE | 3.65% | ||
| ROIC | 2.34% | ||
| ROICexc | 2.45% | ||
| ROICexgc | 5.6% | ||
| OM | 29.61% | ||
| PM (TTM) | 17.74% | ||
| GM | 51.86% | ||
| FCFM | 36.85% |
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-Score8
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.67 | ||
| Debt/FCF | 6.05 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1% | ||
| Interest Coverage | 6.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 207.75% | ||
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 | ||
| Altman-Z | 0.44 |
F-Score8
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)16.91%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%22.47%
EPS Next Y11.39%
EPS Next 2Y9.79%
EPS Next 3Y9.16%
EPS Next 5Y6.97%
Revenue 1Y (TTM)11.37%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%6.17%
Revenue Next Year4.77%
Revenue Next 2Y5.31%
Revenue Next 3Y4.93%
Revenue Next 5Y6.18%
EBIT growth 1Y14.21%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year23.38%
EBIT Next 3Y8.62%
EBIT Next 5YN/A
FCF growth 1Y66.5%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y63.6%
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.
Can you provide the valuation status for AMERIPRISE FINANCIAL INC?
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 11.95 and the Price/Book (PB) ratio is 7.02.
What is the financial health of AMERIPRISE FINANCIAL INC (AMP) stock?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.