AMERIPRISE FINANCIAL INC (A4S.DE) Stock Fundamental Analysis
FRA:A4S • US03076C1062
404.7 EUR
+5.1 (+1.28%)
Last: Mar 2, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to A4S. A4S was compared to 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year A4S was profitable.
- In the past year A4S had a positive cash flow from operations.
- Each year in the past 5 years A4S has been profitable.
- Of the past 5 years A4S 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.91%, A4S is in line with its industry, outperforming 57.27% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 56.17%, A4S belongs to the top of the industry, outperforming 96.58% of the companies in the same industry.
- A4S's Return On Invested Capital of 2.39% is in line compared to the rest of the industry. A4S outperforms 54.70% of its industry peers.
- A4S had an Average Return On Invested Capital over the past 3 years of 2.27%. This is significantly below the industry average of 8.89%.
- The 3 year average ROIC (2.27%) 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)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
1.3 Margins
- The Profit Margin of A4S (19.59%) is better than 61.54% of its industry peers.
- In the last couple of years the Profit Margin of A4S has grown nicely.
- Looking at the Operating Margin, with a value of 30.50%, A4S is in the better half of the industry, outperforming 67.52% of the companies in the same industry.
- A4S's Operating Margin has improved in the last couple of years.
- A4S's Gross Margin of 52.46% is fine compared to the rest of the industry. A4S outperforms 63.25% 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 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
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
- Based on the Altman-Z score of 0.46, we must say that A4S is in the distress zone and has some risk of bankruptcy.
- A4S's Altman-Z score of 0.46 is in line compared to the rest of the industry. A4S outperforms 49.57% of 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.
- A4S has a Debt to FCF ratio of 6.74. This is in the better half of the industry: A4S outperforms 69.23% of its industry peers.
- A4S has a Debt/Equity ratio of 6.12. This is a high value indicating a heavy dependency on external financing.
- A4S's Debt to Equity ratio of 6.12 is on the low side compared to the rest of the industry. A4S is outperformed by 64.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Altman-Z | 0.46 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A4S has a Current 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 Current ratio value of 0.68, A4S perfoms like the industry average, outperforming 48.72% 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.
- Looking at the Quick ratio, with a value of 0.68, A4S is in line with its industry, outperforming 49.57% of the companies in the same industry.
| 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 13.71% over the past year.
- Measured over the past years, A4S shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.46% on average per year.
- Looking at the last year, A4S shows a small growth in Revenue. The Revenue has grown by 5.49% in the last year.
- A4S shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.60% yearly.
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%5.74%
3.2 Future
- The Earnings Per Share is expected to grow by 8.50% on average over the next years. This is quite good.
- A4S is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.01% yearly.
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y8.5%
Revenue Next Year4.81%
Revenue Next 2Y4.59%
Revenue Next 3Y3.81%
Revenue Next 5Y6.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.04 indicates a correct valuation of A4S.
- Based on the Price/Earnings ratio, A4S is valued cheaply inside the industry as 82.91% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of A4S to the average of the S&P500 Index (26.83), we can say A4S is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.10, the valuation of A4S can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, A4S is valued cheaply inside the industry as 86.32% of the companies are valued more expensively.
- A4S is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.95, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 11.1 |
4.2 Price Multiples
- 96.58% of the companies in the same industry are more expensive than A4S, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.37 | ||
| 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.
- A4S has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.41
PEG (5Y)0.65
EPS Next 2Y8.31%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
- A4S has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
- A4S's Dividend Yield is comparable with the industry average which is at 3.08.
- A4S's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
- The dividend of A4S is nicely growing with an annual growth rate of 8.56%!
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.
- A4S'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%
FRA:A4S (3/2/2026, 7:00:00 PM)
404.7
+5.1 (+1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-22 2026-04-22/amc
Inst Owners89.11%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap36.95B
Revenue(TTM)18.91B
Net Income(TTM)3.63B
Analysts75
Price Target479.62 (18.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly Dividend4.95
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.91%
EPS NY rev (1m)0.56%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)-0.84%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 11.1 | ||
| P/S | 2.33 | ||
| P/FCF | 7.37 | ||
| P/OCF | 7.16 | ||
| P/B | 6.7 | ||
| P/tB | 6.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)33.6
EY8.3%
EPS(NY)36.47
Fwd EY9.01%
FCF(TTM)54.88
FCFY13.56%
OCF(TTM)56.52
OCFY13.97%
SpS173.34
BVpS60.44
TBVpS60.44
PEG (NY)1.41
PEG (5Y)0.65
Graham Number213.76
Profitability
| Industry Rank | Sector 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 3Y13.68%
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 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 | 0.46 |
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 5Y8.5%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%5.74%
Revenue Next Year4.81%
Revenue Next 2Y4.59%
Revenue Next 3Y3.81%
Revenue Next 5Y6.01%
EBIT growth 1Y21.6%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year24.39%
EBIT Next 3Y9.31%
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 / 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 of AMERIPRISE FINANCIAL INC (A4S.DE) 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 financial health of AMERIPRISE FINANCIAL INC (A4S.DE) stock?
The financial health rating of AMERIPRISE FINANCIAL INC (A4S.DE) is 3 / 10.
What is the earnings growth outlook for AMERIPRISE FINANCIAL INC?
The Earnings per Share (EPS) of AMERIPRISE FINANCIAL INC (A4S.DE) is expected to grow by 8.53% in the next year.