AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

NYSE:AMP • US03076C1062

473.54 USD
+6.24 (+1.34%)
Last: Feb 13, 2026, 02:55 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year AMP was profitable.
  • AMP had a positive operating cash flow in the past year.
  • In the past 5 years AMP has always been profitable.
  • Of the past 5 years AMP 4 years 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

1.2 Ratios

  • AMP has a Return On Assets (1.91%) which is comparable to the rest of the industry.
  • AMP has a Return On Equity of 56.17%. This is amongst the best in the industry. AMP outperforms 98.32% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.39%, AMP is doing worse than 61.76% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AMP is below the industry average of 7.22%.
  • The last Return On Invested Capital (2.39%) for AMP is above the 3 year average (2.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.91%
ROE 56.17%
ROIC 2.39%
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

  • 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 has a better Operating Margin (30.50%) than 60.50% of its industry peers.
  • AMP's Operating Margin has improved in the last couple of years.
  • The Gross Margin of AMP (52.46%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of AMP has grown nicely.
Industry RankSector Rank
OM 30.5%
PM (TTM) 19.59%
GM 52.46%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
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.
  • With a Altman-Z score value of 0.46, AMP is not doing good in the industry: 60.50% of the companies in the same industry are doing better.
  • 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 66.39% of its industry peers.
  • A Debt/Equity ratio of 6.12 is on the high side and indicates that AMP has dependencies on debt financing.
  • AMP's Debt to Equity ratio of 6.12 is on the low side compared to the rest of the industry. AMP is outperformed by 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.12
Debt/FCF 6.74
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

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.
  • Looking at the Current ratio, with a value of 0.68, AMP is doing worse than 66.39% 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.
  • Looking at the Quick ratio, with a value of 0.68, AMP is doing worse than 65.97% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
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

4

3. Growth

3.1 Past

  • AMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.71%, which is quite good.
  • 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.
  • Measured over the past years, AMP shows a quite strong growth in Revenue. The Revenue has been growing by 9.60% on average per year.
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

  • AMP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.34% yearly.
  • AMP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.81% yearly.
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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 10 20 30 40

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.05, which indicates a correct valuation of AMP.
  • The rest of the industry has a similar Price/Earnings ratio as AMP.
  • The average S&P500 Price/Earnings ratio is at 27.67. AMP is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 11.10 indicates a reasonable valuation of AMP.
  • Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than the industry average as 65.55% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. AMP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.05
Fwd PE 11.1
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AMP is valued cheaply inside the industry as 83.61% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.51
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.
  • The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)1.41
PEG (5Y)0.65
EPS Next 2Y8.31%
EPS Next 3Y8.1%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • AMP has a Yearly Dividend Yield of 1.20%.
  • AMP's Dividend Yield is slightly below the industry average, which is at 6.12.
  • AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.2%

5.2 History

  • The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
  • 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
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

  • 16.30% 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.
DP16.3%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
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
AMP Dividend Payout.AMP Dividend Payout, showing the Payout Ratio.AMP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

AMERIPRISE FINANCIAL INC

NYSE:AMP (2/13/2026, 2:55:01 PM)

473.54

+6.24 (+1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners89.11%
Inst Owner Change-1.62%
Ins Owners0.2%
Ins Owner Change1.12%
Market Cap44.00B
Revenue(TTM)18.91B
Net Income(TTM)3.63B
Analysts73.68
Price Target575.57 (21.55%)
Short Float %3.08%
Short Ratio4.78
Dividend
Industry RankSector Rank
Dividend Yield 1.2%
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-09
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)4.38%
PT rev (3m)2.1%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)1.91%
EPS NY rev (1m)0.53%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 11.1
P/S 2.38
P/FCF 7.51
P/OCF 7.29
P/B 6.82
P/tB 6.82
EV/EBITDA N/A
EPS(TTM)39.31
EY8.3%
EPS(NY)42.66
Fwd EY9.01%
FCF(TTM)63.08
FCFY13.32%
OCF(TTM)64.98
OCFY13.72%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1.41
PEG (5Y)0.65
Graham Number247.89
Profitability
Industry RankSector Rank
ROA 1.91%
ROE 56.17%
ROCE 3.68%
ROIC 2.39%
ROICexc 2.52%
ROICexgc 5.9%
OM 30.5%
PM (TTM) 19.59%
GM 52.46%
FCFM 31.66%
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)5.38%
ROICexgc(5y)5.03%
ROCE(3y)3.56%
ROCE(5y)3.14%
ROICexgc growth 3Y13.57%
ROICexgc growth 5Y15.78%
ROICexc growth 3Y13.22%
ROICexc growth 5Y20.88%
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-Score8
Asset Turnover0.1
Health
Industry RankSector 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 0.46
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y21.6%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year17.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.74%
OCF growth 3YN/A
OCF growth 5YN/A

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 12.05 and the Price/Book (PB) ratio is 6.82.


How financially healthy is AMERIPRISE FINANCIAL INC?

The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.