AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMP - US03076C1062 - Common Stock
500.97 USD
+2.59 (+0.52%)
500.97 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. AMP has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
AMP had positive earnings in the past year.
AMP had a positive operating cash flow in the past year.
Each year in the past 5 years AMP has been profitable.
Each year in the past 5 years AMP had a positive operating cash flow.
1.2 Ratios
AMP's Return On Assets of 1.91% is in line compared to the rest of the industry. AMP outperforms 44.12% of its industry peers.
AMP has a better Return On Equity (56.17%) than 98.32% of its industry peers.
AMP has a worse Return On Invested Capital (2.39%) than 62.60% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AMP is below the industry average of 7.00%.
The 3 year average ROIC (2.01%) for AMP is below the current ROIC(2.39%), indicating increased profibility in the last year.
| 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.
In the last couple of years the Profit Margin of AMP has grown nicely.
AMP's Operating Margin of 30.50% is in line compared to the rest of the industry. AMP outperforms 58.82% of its industry peers.
AMP's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 52.46%, AMP is in the better half of the industry, outperforming 62.18% 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.
Compared to 5 years ago, AMP has less shares outstanding
Compared to 1 year ago, AMP has an improved debt to assets ratio.
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.
The Altman-Z score of AMP (0.47) is worse than 62.60% of its industry peers.
AMP has a debt to FCF ratio of 6.74. This is a slightly negative value and a sign of low solvency as AMP would need 6.74 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.74, AMP is in the better half of the industry, outperforming 66.39% of the companies in the same industry.
A Debt/Equity ratio of 6.12 is on the high side and indicates that AMP has dependencies on debt financing.
AMP has a Debt to Equity ratio of 6.12. This is amonst the worse of the industry: AMP underperforms 87.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Altman-Z | 0.47 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.68, AMP is doing worse than 68.49% of the companies in the same industry.
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.
AMP's Quick ratio of 0.68 is on the low side compared to the rest of the industry. AMP is outperformed by 68.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.75% 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 16.30% on average per year.
Looking at the last year, AMP shows a small growth in Revenue. The Revenue has grown by 6.12% in the last year.
Measured over the past years, AMP shows a small growth in Revenue. The Revenue has been growing by 6.82% on average per year.
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
The Earnings Per Share is expected to grow by 6.97% on average over the next years.
AMP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.94% yearly.
EPS Next Y13.03%
EPS Next 2Y10.74%
EPS Next 3Y9.53%
EPS Next 5Y6.97%
Revenue Next Year6.74%
Revenue Next 2Y6.43%
Revenue Next 3Y5.56%
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 13.24 indicates a correct valuation of AMP.
Compared to the rest of the industry, the Price/Earnings ratio of AMP is on the same level as its industry peers.
When comparing the Price/Earnings ratio of AMP to the average of the S&P500 Index (26.59), we can say AMP is valued rather cheaply.
The Price/Forward Earnings ratio is 11.82, which indicates a very decent valuation of AMP.
Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than the industry average as 63.87% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 24.03. AMP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 11.82 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AMP is valued a bit cheaper than the industry average as 76.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AMP's 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)1.02
PEG (5Y)0.81
EPS Next 2Y10.74%
EPS Next 3Y9.53%
5. Dividend
5.1 Amount
AMP has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 6.43, AMP is paying slightly less dividend.
AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
On average, the dividend of AMP grows each year by 8.56%, 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)8.56%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
AMP pays out 16.30% 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.
DP16.3%
EPS Next 2Y10.74%
EPS Next 3Y9.53%
500.97
+2.59 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.16%
Inst Owner Change0.16%
Ins Owners0.2%
Ins Owner Change1.63%
Market Cap46.55B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73
Price Target546.22 (9.03%)
Short Float %2.89%
Short Ratio4.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-Date
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)-3.11%
PT rev (3m)-4.24%
EPS NQ rev (1m)0.61%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)1.2%
EPS NY rev (3m)2.57%
Revenue NQ rev (1m)1.03%
Revenue NQ rev (3m)3.54%
Revenue NY rev (1m)1.38%
Revenue NY rev (3m)2.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 11.82 | ||
| P/S | 2.51 | ||
| P/FCF | 7.94 | ||
| P/OCF | 7.71 | ||
| P/B | 7.21 | ||
| P/tB | 7.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.84
EY7.55%
EPS(NY)42.4
Fwd EY8.46%
FCF(TTM)63.08
FCFY12.59%
OCF(TTM)64.98
OCFY12.97%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1.02
PEG (5Y)0.81
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 2Y10.74%
EPS Next 3Y9.53%
EPS Next 5Y6.97%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%8.93%
Revenue Next Year6.74%
Revenue Next 2Y6.43%
Revenue Next 3Y5.56%
Revenue Next 5Y5.94%
EBIT growth 1Y21.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year25.35%
EBIT Next 3Y8.39%
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.
Can you provide the valuation status for AMERIPRISE FINANCIAL INC?
ChartMill assigns a valuation rating of 5 / 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 13.24 and the Price/Book (PB) ratio is 7.21.
What is the financial health of AMERIPRISE FINANCIAL INC (AMP) stock?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.