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AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

NYSE:AMP - New York Stock Exchange, Inc. - US03076C1062 - Common Stock - Currency: USD

547.84  -27.29 (-4.75%)

After market: 574.251 +26.41 (+4.82%)

Fundamental Rating

3

Overall AMP gets a fundamental rating of 3 out of 10. We evaluated AMP against 222 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 valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year AMP was profitable.
In the past year AMP had a positive cash flow from operations.
AMP had positive earnings in 4 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of AMP (1.46%) is comparable to the rest of the industry.
With an excellent Return On Equity value of 47.37%, AMP belongs to the best of the industry, outperforming 98.62% of the companies in the same industry.
AMP's Return On Invested Capital of 2.02% is on the low side compared to the rest of the industry. AMP is outperformed by 66.36% of its industry peers.
AMP had an Average Return On Invested Capital over the past 3 years of 1.79%. This is below the industry average of 6.67%.
The last Return On Invested Capital (2.02%) for AMP is above the 3 year average (1.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.46%
ROE 47.37%
ROIC 2.02%
ROA(3y)1.55%
ROA(5y)1.36%
ROE(3y)55.93%
ROE(5y)45.4%
ROIC(3y)1.79%
ROIC(5y)1.51%
AMP Yearly ROA, ROE, ROICAMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60

1.3 Margins

AMP has a Profit Margin (15.52%) which is in line with its industry peers.
AMP's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 26.62%, AMP is in line with its industry, outperforming 48.39% of the companies in the same industry.
AMP's Operating Margin has improved in the last couple of years.
AMP has a Gross Margin (50.20%) which is in line with its industry peers.
In the last couple of years the Gross Margin of AMP has grown nicely.
Industry RankSector Rank
OM 26.62%
PM (TTM) 15.52%
GM 50.2%
OM growth 3Y17.54%
OM growth 5Y5.09%
PM growth 3Y7.37%
PM growth 5Y-0.44%
GM growth 3Y5.23%
GM growth 5Y1.75%
AMP Yearly Profit, Operating, Gross MarginsAMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for AMP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AMP Yearly Shares OutstandingAMP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M
AMP Yearly Total Debt VS Total AssetsAMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B

2.2 Solvency

Based on the Altman-Z score of 0.45, we must say that AMP is in the distress zone and has some risk of bankruptcy.
AMP's Altman-Z score of 0.45 is on the low side compared to the rest of the industry. AMP is outperformed by 69.12% of its industry peers.
The Debt to FCF ratio of AMP is 5.15, which is a neutral value as it means it would take AMP, 5.15 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AMP (5.15) is comparable to the rest of the industry.
AMP has a Debt/Equity ratio of 7.38. This is a high value indicating a heavy dependency on external financing.
AMP has a worse Debt to Equity ratio (7.38) than 88.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.38
Debt/FCF 5.15
Altman-Z 0.45
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.3 Liquidity

AMP has a Current Ratio of 0.65. 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 0.65. This is in the lower half of the industry: AMP underperforms 68.20% of its industry peers.
A Quick Ratio of 0.65 indicates that AMP may have some problems paying its short term obligations.
AMP has a Quick ratio of 0.65. This is in the lower half of the industry: AMP underperforms 68.20% of its industry peers.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
AMP Yearly Current Assets VS Current LiabilitesAMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B

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3

3. Growth

3.1 Past

AMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.83%, which is quite good.
The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
EPS 1Y (TTM)19.83%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%30%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.8%

3.2 Future

The Earnings Per Share is expected to grow by 6.78% on average over the next years.
Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 7.19% on average per year.
EPS Next Y13.13%
EPS Next 2Y11.03%
EPS Next 3Y10.29%
EPS Next 5Y6.78%
Revenue Next Year6.47%
Revenue Next 2Y5.76%
Revenue Next 3Y7.19%
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.
AMP Yearly Revenue VS EstimatesAMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30 40

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.85 indicates a correct valuation of AMP.
AMP's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.51, AMP is valued a bit cheaper.
AMP is valuated correctly with a Price/Forward Earnings ratio of 14.01.
The rest of the industry has a similar Price/Forward Earnings ratio as AMP.
AMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 93.88.
Industry RankSector Rank
PE 15.85
Fwd PE 14.01
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AMP is valued a bit cheaper than the industry average as 78.80% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.49
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.
PEG (NY)1.21
PEG (5Y)0.97
EPS Next 2Y11.03%
EPS Next 3Y10.29%

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5

5. Dividend

5.1 Amount

AMP has a Yearly Dividend Yield of 1.04%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 9.42, AMP is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, AMP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.04%

5.2 History

On average, the dividend of AMP grows each year by 8.44%, 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)8.44%
Div Incr Years19
Div Non Decr Years19
AMP Yearly Dividends per shareAMP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

5.3 Sustainability

AMP pays out 20.91% of its income as dividend. This is a sustainable payout ratio.
The dividend of AMP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.91%
EPS Next 2Y11.03%
EPS Next 3Y10.29%
AMP Yearly Income VS Free CF VS DividendAMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B
AMP Dividend Payout.AMP Dividend Payout, showing the Payout Ratio.AMP Dividend Payout.PayoutRetained Earnings

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AMERIPRISE FINANCIAL INC

NYSE:AMP (1/30/2025, 8:04:00 PM)

After market: 574.251 +26.41 (+4.82%)

547.84

-27.29 (-4.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)N/A N/A
Inst Owners87.39%
Inst Owner Change0.62%
Ins Owners0.19%
Ins Owner Change1.04%
Market Cap53.15B
Analysts75.56
Price Target584.35 (6.66%)
Short Float %1.14%
Short Ratio2.33
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
Yearly Dividend5.36
Dividend Growth(5Y)8.44%
DP20.91%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.42%
Min EPS beat(2)-10.06%
Max EPS beat(2)1.23%
EPS beat(4)2
Avg EPS beat(4)-3.73%
Min EPS beat(4)-10.06%
Max EPS beat(4)1.31%
EPS beat(8)3
Avg EPS beat(8)-2.29%
EPS beat(12)7
Avg EPS beat(12)0.15%
EPS beat(16)10
Avg EPS beat(16)1.39%
Revenue beat(2)0
Avg Revenue beat(2)-1.09%
Min Revenue beat(2)-2.04%
Max Revenue beat(2)-0.14%
Revenue beat(4)1
Avg Revenue beat(4)-0.52%
Min Revenue beat(4)-2.04%
Max Revenue beat(4)1.58%
Revenue beat(8)5
Avg Revenue beat(8)0.91%
Revenue beat(12)8
Avg Revenue beat(12)1.18%
Revenue beat(16)11
Avg Revenue beat(16)0.06%
PT rev (1m)3.06%
PT rev (3m)13.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 15.85
Fwd PE 14.01
P/S 3.05
P/FCF 6.49
P/OCF 6.36
P/B 9.3
P/tB 9.3
EV/EBITDA N/A
EPS(TTM)34.57
EY6.31%
EPS(NY)39.11
Fwd EY7.14%
FCF(TTM)84.39
FCFY15.4%
OCF(TTM)86.13
OCFY15.72%
SpS179.83
BVpS58.91
TBVpS58.91
PEG (NY)1.21
PEG (5Y)0.97
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 47.37%
ROCE 3.16%
ROIC 2.02%
ROICexc 2.14%
ROICexgc 4.93%
OM 26.62%
PM (TTM) 15.52%
GM 50.2%
FCFM 46.93%
ROA(3y)1.55%
ROA(5y)1.36%
ROE(3y)55.93%
ROE(5y)45.4%
ROIC(3y)1.79%
ROIC(5y)1.51%
ROICexc(3y)1.87%
ROICexc(5y)1.57%
ROICexgc(3y)4.55%
ROICexgc(5y)4.02%
ROCE(3y)2.75%
ROCE(5y)2.25%
ROICexcg growth 3Y16.63%
ROICexcg growth 5Y0.48%
ROICexc growth 3Y27.67%
ROICexc growth 5Y5.09%
OM growth 3Y17.54%
OM growth 5Y5.09%
PM growth 3Y7.37%
PM growth 5Y-0.44%
GM growth 3Y5.23%
GM growth 5Y1.75%
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 7.38
Debt/FCF 5.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.96%
Interest Coverage 4.51
Cash Conversion N/A
Profit Quality 302.44%
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z 0.45
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.1%
Cap/Sales(5y)1.13%
Profit Quality(3y)152.44%
Profit Quality(5y)173.04%
High Growth Momentum
Growth
EPS 1Y (TTM)19.83%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%30%
EPS Next Y13.13%
EPS Next 2Y11.03%
EPS Next 3Y10.29%
EPS Next 5Y6.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.8%
Revenue Next Year6.47%
Revenue Next 2Y5.76%
Revenue Next 3Y7.19%
Revenue Next 5YN/A
EBIT growth 1Y10.05%
EBIT growth 3Y29.78%
EBIT growth 5Y9.8%
EBIT Next Year17.62%
EBIT Next 3Y8.24%
EBIT Next 5YN/A
FCF growth 1Y78.72%
FCF growth 3Y0.19%
FCF growth 5Y13.07%
OCF growth 1Y76.23%
OCF growth 3Y0.45%
OCF growth 5Y12.52%