AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMP - US03076C1062 - Common Stock
492.58 USD
-16.74 (-3.29%)
492.58 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to AMP. AMP was compared to 238 industry peers in the Capital Markets industry. While AMP is still in line with the averages on profitability rating, there are concerns on its financial health. AMP has a correct valuation and a medium growth rate.
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 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 41.18% of the companies in the same industry.
- AMP has a better Return On Equity (56.17%) than 98.32% of its industry peers.
- AMP's Return On Invested Capital of 2.39% is on the low side compared to the rest of the industry. AMP is outperformed by 62.18% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for AMP is significantly below the industry average of 7.27%.
- The last Return On Invested Capital (2.39%) for AMP is above the 3 year average (2.01%), which is a sign of increasing profitability.
| 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.
- Looking at the Operating Margin, with a value of 30.50%, AMP is in the better half of the industry, outperforming 60.50% of the companies in the same industry.
- In the last couple of years the Operating Margin of AMP has grown nicely.
- With a Gross Margin value of 52.46%, AMP perfoms like the industry average, outperforming 59.66% 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
- AMP has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for AMP has been reduced compared to 5 years ago.
- Compared to 1 year ago, AMP has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.47, we must say that AMP is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.47, AMP is doing worse than 61.76% of the companies in the same industry.
- 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's Debt to FCF ratio of 6.74 is fine compared to the rest of the industry. AMP outperforms 65.97% of its industry peers.
- AMP has a Debt/Equity ratio of 6.12. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 6.12, AMP is not doing good in the industry: 86.13% 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 worse Current ratio (0.68) than 67.65% of its industry peers.
- A Quick Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
- AMP's Quick ratio of 0.68 is on the low side compared to the rest of the industry. AMP is outperformed by 67.23% of its industry peers.
| 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
- AMP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.97% yearly.
- 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
- 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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.02 indicates a correct valuation of AMP.
- 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 (26.94), we can say AMP is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.61, 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 64.29% of the companies in the same industry.
- AMP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 11.61 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMP indicates a rather cheap valuation: AMP is cheaper than 81.93% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)0.8
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
- AMP has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
- AMP's Dividend Yield is slightly below the industry average, which is at 6.10.
- AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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
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%
492.58
-16.74 (-3.29%)
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 Cap45.77B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73.68
Price Target553.69 (12.41%)
Short Float %3.12%
Short Ratio4.89
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 | 13.02 | ||
| Fwd PE | 11.61 | ||
| P/S | 2.47 | ||
| P/FCF | 7.81 | ||
| P/OCF | 7.58 | ||
| P/B | 7.09 | ||
| P/tB | 7.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.84
EY7.68%
EPS(NY)42.44
Fwd EY8.62%
FCF(TTM)63.08
FCFY12.81%
OCF(TTM)64.98
OCFY13.19%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1
PEG (5Y)0.8
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 13.02 and the Price/Book (PB) ratio is 7.09.
How financially healthy is AMERIPRISE FINANCIAL INC?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.