AMERIPRISE FINANCIAL INC (A4S.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A4S - US03076C1062 - Common Stock
421.6 EUR
+4.4 (+1.05%)
Overall A4S gets a fundamental rating of 5 out of 10. We evaluated A4S against 117 industry peers in the Capital Markets industry. While A4S belongs to the best of the industry regarding profitability, there are concerns on its financial health. A4S has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year A4S was profitable.
A4S had a positive operating cash flow in the past year.
Each year in the past 5 years A4S has been profitable.
Each year in the past 5 years A4S had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.91%, A4S perfoms like the industry average, outperforming 57.27% of the companies in the same industry.
A4S has a better Return On Equity (56.17%) than 97.44% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.39%, A4S is in line with its industry, outperforming 55.56% of the companies in the same industry.
A4S had an Average Return On Invested Capital over the past 3 years of 2.01%. This is significantly below the industry average of 8.62%.
The 3 year average ROIC (2.01%) for A4S 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
A4S has a better Profit Margin (19.59%) than 60.68% of its industry peers.
In the last couple of years the Profit Margin of A4S has grown nicely.
The Operating Margin of A4S (30.50%) is better than 70.94% of its industry peers.
In the last couple of years the Operating Margin of A4S has grown nicely.
A4S has a better Gross Margin (52.46%) than 66.67% of its industry peers.
In the last couple of years the Gross Margin of A4S has grown nicely.
| 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
The number of shares outstanding for A4S has been reduced compared to 1 year ago.
Compared to 5 years ago, A4S has less shares outstanding
Compared to 1 year ago, A4S has an improved debt to assets ratio.
2.2 Solvency
A4S has an Altman-Z score of 0.47. This is a bad value and indicates that A4S is not financially healthy and even has some risk of bankruptcy.
A4S has a Altman-Z score (0.47) which is in line with its industry peers.
A4S has a debt to FCF ratio of 6.74. This is a slightly negative value and a sign of low solvency as A4S would need 6.74 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 6.74, A4S is doing good in the industry, outperforming 68.38% of the companies in the same industry.
A Debt/Equity ratio of 6.12 is on the high side and indicates that A4S has dependencies on debt financing.
A4S has a Debt to Equity ratio of 6.12. This is in the lower half of the industry: A4S underperforms 69.23% 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 A4S may have some problems paying its short term obligations.
With a Current ratio value of 0.68, A4S perfoms like the industry average, outperforming 49.57% of the companies in the same industry.
A4S has a Quick Ratio of 0.68. This is a bad value and indicates that A4S is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.68, A4S perfoms like the industry average, outperforming 51.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
A4S shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.75%, which is quite good.
Measured over the past years, A4S shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.30% on average per year.
The Revenue has been growing slightly by 6.12% in the past year.
Measured over the past years, A4S 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%3.79%
3.2 Future
Based on estimates for the next years, A4S will show a small growth in Earnings Per Share. The EPS will grow by 6.97% on average per year.
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 Year6.4%
Revenue Next 2Y6.3%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.13 indicates a correct valuation of A4S.
76.92% of the companies in the same industry are more expensive than A4S, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of A4S to the average of the S&P500 Index (26.92), we can say A4S is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.71, the valuation of A4S can be described as reasonable.
Based on the Price/Forward Earnings ratio, A4S is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
A4S is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.71 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of A4S indicates a rather cheap valuation: A4S is cheaper than 89.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.88 | ||
| EV/EBITDA | N/A |
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 A4S may justify a higher PE ratio.
PEG (NY)1.01
PEG (5Y)0.81
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
A4S has a Yearly Dividend Yield of 1.28%.
Compared to an average industry Dividend Yield of 3.29, A4S has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.00, A4S is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
5.2 History
On average, the dividend of A4S grows each year by 8.56%, which is quite nice.
Dividend Growth(5Y)8.56%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
16.30% of the earnings are spent on dividend by A4S. This is a low number and sustainable payout ratio.
The dividend of A4S 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%
FRA:A4S (12/23/2025, 7:00:00 PM)
421.6
+4.4 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.16%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap39.17B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73
Price Target479.62 (13.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend4.96
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)2
Avg Revenue beat(4)0.77%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.48%
Revenue beat(8)6
Avg Revenue beat(8)2.62%
Revenue beat(12)10
Avg Revenue beat(12)3.25%
Revenue beat(16)13
Avg Revenue beat(16)2.77%
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)5.66%
EPS NY rev (1m)1.2%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)1.01%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)1.06%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.71 | ||
| P/S | 2.49 | ||
| P/FCF | 7.88 | ||
| P/OCF | 7.65 | ||
| P/B | 7.15 | ||
| P/tB | 7.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)32.1
EY7.61%
EPS(NY)36
Fwd EY8.54%
FCF(TTM)53.52
FCFY12.69%
OCF(TTM)55.13
OCFY13.08%
SpS169.05
BVpS58.94
TBVpS58.94
PEG (NY)1.01
PEG (5Y)0.81
Graham Number206.33
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%3.79%
Revenue Next Year6.4%
Revenue Next 2Y6.3%
Revenue Next 3Y5.56%
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 / A4S.DE FAQ
Can you provide the ChartMill fundamental rating for AMERIPRISE FINANCIAL INC?
ChartMill assigns a fundamental rating of 5 / 10 to A4S.DE.
What is the valuation status for A4S stock?
ChartMill assigns a valuation rating of 6 / 10 to AMERIPRISE FINANCIAL INC (A4S.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for AMERIPRISE FINANCIAL INC?
AMERIPRISE FINANCIAL INC (A4S.DE) has a profitability rating of 7 / 10.
What is the valuation of AMERIPRISE FINANCIAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMERIPRISE FINANCIAL INC (A4S.DE) is 13.13 and the Price/Book (PB) ratio is 7.15.
What is the financial health of AMERIPRISE FINANCIAL INC (A4S.DE) stock?
The financial health rating of AMERIPRISE FINANCIAL INC (A4S.DE) is 3 / 10.