AMERIPRISE FINANCIAL INC (AMP) Fundamental Analysis & Valuation

NYSE:AMP • US03076C1062

Current stock price

456.235 USD
-2.75 (-0.6%)
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.
  • AMP had positive earnings in each of the past 5 years.
  • Each year in the past 5 years AMP had a positive operating cash flow.
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

  • The Return On Assets of AMP (1.87%) is comparable to the rest of the industry.
  • AMP has a better Return On Equity (54.41%) than 97.50% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.47%, AMP is doing worse than 63.75% of the companies in the same industry.
  • AMP had an Average Return On Invested Capital over the past 3 years of 2.27%. This is below the industry average of 7.19%.
  • 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

  • AMP has a Profit Margin (18.84%) which is comparable to the rest of the industry.
  • AMP's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 30.85%, AMP is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • AMP's Operating Margin has improved in the last couple of years.
  • AMP's Gross Margin of 52.67% is fine compared to the rest of the industry. AMP outperforms 60.42% of its industry peers.
  • In the last couple of years the Gross Margin of AMP has grown nicely.
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

  • 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.
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

  • Based on the Altman-Z score of 0.46, we must say that AMP is in the distress zone and has some risk of bankruptcy.
  • AMP has a Altman-Z score of 0.46. This is in the lower half of the industry: AMP underperforms 60.83% 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's Debt to FCF ratio of 4.85 is fine compared to the rest of the industry. AMP outperforms 69.17% of its industry peers.
  • A Debt/Equity ratio of 6.05 is on the high side and indicates that AMP has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 6.05, AMP is doing worse than 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.05
Debt/FCF 4.85
Altman-Z 0.46
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.
  • AMP has a Current ratio of 0.67. This is in the lower half of the industry: AMP underperforms 70.42% of its industry peers.
  • A Quick Ratio of 0.67 indicates that AMP may have some problems paying its short term obligations.
  • AMP has a Quick ratio of 0.67. This is in the lower half of the industry: AMP underperforms 70.00% of its industry peers.
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 13.71% over the past year.
  • The Earnings Per Share has been growing by 18.46% 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 5.49% in the last 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 11.40% 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 6.01% on average per year.
EPS Next Y9.21%
EPS Next 2Y8.88%
EPS Next 3Y8.58%
EPS Next 5Y11.4%
Revenue Next Year5.4%
Revenue Next 2Y4.85%
Revenue Next 3Y4.27%
Revenue Next 5Y6.01%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • AMP is valuated reasonably with a Price/Earnings ratio of 11.61.
  • AMP's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of AMP to the average of the S&P500 Index (27.53), we can say AMP is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.63, which indicates a very decent 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 65.00% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.95. AMP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.61
Fwd PE 10.63
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

  • Based on the Price/Free Cash Flow ratio, AMP is valued cheaply inside the industry as 85.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.07
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

  • 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)1.26
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 1.41%.
  • Compared to an average industry Dividend Yield of 6.64, AMP is paying slightly less dividend.
  • AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.41%

5.2 History

  • On average, the dividend of AMP grows each year by 9.05%, 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)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

  • 16.73% 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 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 (4/17/2026, 3:53:07 PM)

456.235

-2.75 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners90.26%
Inst Owner Change0.05%
Ins Owners0.17%
Ins Owner Change-2.51%
Market Cap41.38B
Revenue(TTM)18.91B
Net Income(TTM)3.56B
Analysts75
Price Target570.47 (25.04%)
Short Float %3.07%
Short Ratio3.71
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
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)-0.89%
PT rev (3m)3.46%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)0.03%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)-0.3%
Valuation
Industry RankSector Rank
PE 11.61
Fwd PE 10.63
P/S 2.19
P/FCF 5.07
P/OCF 4.97
P/B 6.32
P/tB 6.32
EV/EBITDA N/A
EPS(TTM)39.31
EY8.62%
EPS(NY)42.93
Fwd EY9.41%
FCF(TTM)89.99
FCFY19.72%
OCF(TTM)91.77
OCFY20.12%
SpS208.52
BVpS72.21
TBVpS72.21
PEG (NY)1.26
PEG (5Y)0.63
Graham Number252.726 (-44.61%)
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 0.46
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)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
EPS Next Y9.21%
EPS Next 2Y8.88%
EPS Next 3Y8.58%
EPS Next 5Y11.4%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%
Revenue Next Year5.4%
Revenue Next 2Y4.85%
Revenue Next 3Y4.27%
Revenue Next 5Y6.01%
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%.