AMERIPRISE FINANCIAL INC (A4S.DE) Stock Fundamental Analysis
Europe - FRA:A4S - US03076C1062 - Common Stock
410.7 EUR
-4.6 (-1.11%)
We assign a fundamental rating of 5 out of 10 to A4S. A4S was compared to 113 industry peers in the Capital Markets industry. While A4S has a great profitability rating, there are quite some 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
A4S had positive earnings in the past year.
In the past year A4S had a positive cash flow from operations.
A4S had positive earnings in each of the past 5 years.
Each year in the past 5 years A4S had a positive operating cash flow.
1.2 Ratios
A4S has a Return On Assets (1.74%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 53.03%, A4S belongs to the top of the industry, outperforming 96.52% of the companies in the same industry.
With a Return On Invested Capital value of 2.34%, A4S perfoms like the industry average, outperforming 59.13% 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 8.16%.
The 3 year average ROIC (2.01%) for A4S is below the current ROIC(2.34%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 53.03% | ||
| ROIC | 2.34% |
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's Profit Margin of 17.74% is fine compared to the rest of the industry. A4S outperforms 61.74% of its industry peers.
A4S's Profit Margin has improved in the last couple of years.
A4S has a Operating Margin of 29.61%. This is in the better half of the industry: A4S outperforms 71.30% of its industry peers.
A4S's Operating Margin has improved in the last couple of years.
The Gross Margin of A4S (51.86%) is better than 67.83% of its industry peers.
In the last couple of years the Gross Margin of A4S has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.61% | ||
| PM (TTM) | 17.74% | ||
| GM | 51.86% |
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
Compared to 1 year ago, A4S has less shares outstanding
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 0.45, we must say that A4S is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.45, A4S perfoms like the industry average, outperforming 47.83% of the companies in the same industry.
The Debt to FCF ratio of A4S is 6.05, which is on the high side as it means it would take A4S, 6.05 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 6.05, A4S is doing good in the industry, outperforming 65.22% of the companies in the same industry.
A4S has a Debt/Equity ratio of 6.67. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of A4S (6.67) is worse than 69.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.67 | ||
| Debt/FCF | 6.05 | ||
| Altman-Z | 0.45 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A4S has a Current Ratio of 0.62. 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 has a Current ratio of 0.62. This is comparable to the rest of the industry: A4S outperforms 49.57% of its industry peers.
A4S has a Quick Ratio of 0.62. 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 has a Quick ratio (0.62) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.35% over the past year.
A4S shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.30% yearly.
A4S shows a small growth in Revenue. In the last year, the Revenue has grown by 7.19%.
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)15.35%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%4.47%
Revenue 1Y (TTM)7.19%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%-1.3%
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.
A4S is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.18% yearly.
EPS Next Y10.38%
EPS Next 2Y9.08%
EPS Next 3Y8.94%
EPS Next 5Y6.97%
Revenue Next Year4.23%
Revenue Next 2Y4.62%
Revenue Next 3Y4.62%
Revenue Next 5Y6.18%
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
The Price/Earnings ratio is 13.30, which indicates a correct valuation of A4S.
Based on the Price/Earnings ratio, A4S is valued a bit cheaper than 76.52% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.42, A4S is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.66, the valuation of A4S can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of A4S indicates a rather cheap valuation: A4S is cheaper than 82.61% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.94. A4S is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 11.66 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, A4S is valued cheaply inside the industry as 92.17% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.75 | ||
| 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)1.28
PEG (5Y)0.82
EPS Next 2Y9.08%
EPS Next 3Y8.94%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.37%, A4S has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.63, A4S has a dividend in line with its industry peers.
With a Dividend Yield of 1.37, A4S pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
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
A4S pays out 18.14% of its income as dividend. This is a sustainable payout ratio.
The dividend of A4S is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.14%
EPS Next 2Y9.08%
EPS Next 3Y8.94%
FRA:A4S (10/17/2025, 7:00:00 PM)
410.7
-4.6 (-1.11%)
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 Cap38.72B
Analysts73.68
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly Dividend5.01
Dividend Growth(5Y)8.56%
DP18.14%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.95%
Min EPS beat(2)0.34%
Max EPS beat(2)3.55%
EPS beat(4)3
Avg EPS beat(4)-0.93%
Min EPS beat(4)-10.06%
Max EPS beat(4)3.55%
EPS beat(8)5
Avg EPS beat(8)-2.19%
EPS beat(12)7
Avg EPS beat(12)-0.26%
EPS beat(16)11
Avg EPS beat(16)0.93%
Revenue beat(2)0
Avg Revenue beat(2)-1.93%
Min Revenue beat(2)-3.02%
Max Revenue beat(2)-0.85%
Revenue beat(4)2
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)4.8%
Revenue beat(8)6
Avg Revenue beat(8)2.82%
Revenue beat(12)10
Avg Revenue beat(12)3.27%
Revenue beat(16)12
Avg Revenue beat(16)1.47%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)1.9%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.17%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.62%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 11.66 | ||
| P/S | 2.49 | ||
| P/FCF | 6.75 | ||
| P/OCF | 6.57 | ||
| P/B | 7.44 | ||
| P/tB | 7.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)30.88
EY7.52%
EPS(NY)35.21
Fwd EY8.57%
FCF(TTM)60.84
FCFY14.81%
OCF(TTM)62.49
OCFY15.22%
SpS165.1
BVpS55.23
TBVpS55.23
PEG (NY)1.28
PEG (5Y)0.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 53.03% | ||
| ROCE | 3.65% | ||
| ROIC | 2.34% | ||
| ROICexc | 2.45% | ||
| ROICexgc | 5.6% | ||
| OM | 29.61% | ||
| PM (TTM) | 17.74% | ||
| GM | 51.86% | ||
| FCFM | 36.85% |
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%
ROICexcg growth 3Y4.22%
ROICexcg 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-Score8
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.67 | ||
| Debt/FCF | 6.05 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1% | ||
| Interest Coverage | 6.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 207.75% | ||
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 | ||
| Altman-Z | 0.45 |
F-Score8
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)15.35%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%4.47%
EPS Next Y10.38%
EPS Next 2Y9.08%
EPS Next 3Y8.94%
EPS Next 5Y6.97%
Revenue 1Y (TTM)7.19%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%-1.3%
Revenue Next Year4.23%
Revenue Next 2Y4.62%
Revenue Next 3Y4.62%
Revenue Next 5Y6.18%
EBIT growth 1Y14.21%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year23.38%
EBIT Next 3Y8.62%
EBIT Next 5YN/A
FCF growth 1Y66.5%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y63.6%
OCF growth 3Y25.64%
OCF growth 5Y23.02%