AMERIPRISE FINANCIAL INC (A4S.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A4S - US03076C1062 - Common Stock
399.5 EUR
+6.6 (+1.68%)
We assign a fundamental rating of 5 out of 10 to A4S. A4S was compared to 121 industry peers in the Capital Markets industry. A4S scores excellent on profitability, but 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.
In the past 5 years A4S has always been profitable.
A4S had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
A4S has a Return On Assets of 1.91%. This is comparable to the rest of the industry: A4S outperforms 56.20% of its industry peers.
The Return On Equity of A4S (56.17%) is better than 97.52% of its industry peers.
A4S's Return On Invested Capital of 2.39% is in line compared to the rest of the industry. A4S outperforms 54.55% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for A4S is significantly below the industry average of 9.05%.
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 Profit Margin (19.59%) which is in line with its industry peers.
A4S's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 30.50%, A4S is doing good in the industry, outperforming 69.42% 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 64.46% of its industry peers.
A4S'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
The number of shares outstanding for A4S has been reduced compared to 1 year ago.
A4S has less shares outstanding than it did 5 years ago.
A4S has a better debt/assets ratio than last year.
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.
The Altman-Z score of A4S (0.46) is comparable to the rest of the industry.
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.
The Debt to FCF ratio of A4S (6.74) is better than 66.94% 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.
The Debt to Equity ratio of A4S (6.12) is worse than 71.07% 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
A Current Ratio of 0.68 indicates that A4S may have some problems paying its short term obligations.
A4S's Current ratio of 0.68 is in line compared to the rest of the industry. A4S outperforms 46.28% of its industry peers.
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.
A4S's Quick ratio of 0.68 is in line compared to the rest of the industry. A4S outperforms 47.93% of its industry peers.
| 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.
The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
A4S shows a small growth in Revenue. In the last year, the Revenue has grown by 6.12%.
The Revenue has been growing slightly by 6.82% on average over the past years.
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
The Earnings Per Share is expected to grow by 6.97% on average over the next years.
The Revenue is expected to grow by 5.94% on average over the next years.
EPS Next Y11.69%
EPS Next 2Y9.83%
EPS Next 3Y9.16%
EPS Next 5Y6.97%
Revenue Next Year5.29%
Revenue Next 2Y5.56%
Revenue Next 3Y5.16%
Revenue Next 5Y5.94%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 12.32 indicates a correct valuation of A4S.
Based on the Price/Earnings ratio, A4S is valued a bit cheaper than 77.69% of the companies in the same industry.
A4S's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.41.
With a Price/Forward Earnings ratio of 11.18, the valuation of A4S can be described as very reasonable.
A4S's Price/Forward Earnings ratio is rather cheap when compared to the industry. A4S is cheaper than 84.30% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, A4S is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.32 | ||
| Fwd PE | 11.18 |
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 90.08% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A4S's 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)1.05
PEG (5Y)0.76
EPS Next 2Y9.83%
EPS Next 3Y9.16%
5. Dividend
5.1 Amount
A4S has a Yearly Dividend Yield of 1.41%.
A4S's Dividend Yield is comparable with the industry average which is at 5.55.
A4S's Dividend Yield is slightly below the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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.
The dividend of A4S is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.3%
EPS Next 2Y9.83%
EPS Next 3Y9.16%
FRA:A4S (12/3/2025, 7:00:00 PM)
399.5
+6.6 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap37.12B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73
Price Target479.62 (20.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend5.06
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0.61%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.27%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.89%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.32 | ||
| Fwd PE | 11.18 | ||
| P/S | 2.34 | ||
| P/FCF | 7.39 | ||
| P/OCF | 7.17 | ||
| P/B | 6.71 | ||
| P/tB | 6.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)32.44
EY8.12%
EPS(NY)35.74
Fwd EY8.95%
FCF(TTM)54.07
FCFY13.54%
OCF(TTM)55.7
OCFY13.94%
SpS170.8
BVpS59.55
TBVpS59.55
PEG (NY)1.05
PEG (5Y)0.76
Graham Number208.49
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 | 0.46 |
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 Y11.69%
EPS Next 2Y9.83%
EPS Next 3Y9.16%
EPS Next 5Y6.97%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%3.79%
Revenue Next Year5.29%
Revenue Next 2Y5.56%
Revenue Next 3Y5.16%
Revenue Next 5Y5.94%
EBIT growth 1Y21.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year23.38%
EBIT Next 3Y8.62%
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 12.32 and the Price/Book (PB) ratio is 6.71.
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.