AMERIPRISE FINANCIAL INC (A4S.DE) Fundamental Analysis & Valuation

FRA:A4S • US03076C1062

Current stock price

389.5 EUR
-6.5 (-1.64%)
Last:

This A4S.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. A4S.DE Profitability Analysis

1.1 Basic Checks

  • A4S had positive earnings in the past year.
  • A4S had a positive operating cash flow in the past year.
  • In the past 5 years A4S has always been profitable.
  • In the past 5 years A4S always reported a positive cash flow from operatings.
A4S.DE Yearly Net Income VS EBIT VS OCF VS FCFA4S.DE 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 8B

1.2 Ratios

  • The Return On Assets of A4S (1.87%) is comparable to the rest of the industry.
  • With an excellent Return On Equity value of 54.41%, A4S belongs to the best of the industry, outperforming 96.67% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.47%, A4S is in line with its industry, outperforming 57.50% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for A4S is significantly below the industry average of 8.97%.
  • The last Return On Invested Capital (2.47%) for A4S is above the 3 year average (2.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.87%
ROE 54.41%
ROIC 2.47%
ROA(3y)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
A4S.DE Yearly ROA, ROE, ROICA4S.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • A4S has a better Profit Margin (18.84%) than 62.50% of its industry peers.
  • In the last couple of years the Profit Margin of A4S has grown nicely.
  • A4S has a Operating Margin of 30.85%. This is in the better half of the industry: A4S outperforms 71.67% of its industry peers.
  • A4S's Operating Margin has improved in the last couple of years.
  • A4S has a better Gross Margin (52.67%) than 70.00% of its industry peers.
  • In the last couple of years the Gross Margin of A4S has grown nicely.
Industry RankSector Rank
OM 30.85%
PM (TTM) 18.84%
GM 52.67%
OM growth 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
A4S.DE Yearly Profit, Operating, Gross MarginsA4S.DE 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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3

2. A4S.DE Health Analysis

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
  • A4S has a better debt/assets ratio than last year.
A4S.DE Yearly Shares OutstandingA4S.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
A4S.DE Yearly Total Debt VS Total AssetsA4S.DE 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 A4S is in the distress zone and has some risk of bankruptcy.
  • A4S has a Altman-Z score (0.46) which is in line with its industry peers.
  • The Debt to FCF ratio of A4S is 4.85, which is a neutral value as it means it would take A4S, 4.85 years of fcf income to pay off all of its debts.
  • A4S's Debt to FCF ratio of 4.85 is fine compared to the rest of the industry. A4S outperforms 70.83% of its industry peers.
  • A4S has a Debt/Equity ratio of 6.05. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of A4S (6.05) is worse than 65.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.05
Debt/FCF 4.85
Altman-Z 0.46
ROIC/WACCN/A
WACCN/A
A4S.DE Yearly LT Debt VS Equity VS FCFA4S.DE 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 8B

2.3 Liquidity

  • A4S has a Current Ratio of 0.67. 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 (0.67) which is in line with its industry peers.
  • A4S has a Quick Ratio of 0.67. 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 (0.67) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
A4S.DE Yearly Current Assets VS Current LiabilitesA4S.DE 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

5

3. A4S.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.71% 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 18.46% yearly.
  • 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

  • A4S is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.40% yearly.
  • The Revenue is expected to grow by 6.01% on average over the next years.
EPS Next Y9.18%
EPS Next 2Y8.79%
EPS Next 3Y8.1%
EPS Next 5Y11.4%
Revenue Next Year5.39%
Revenue Next 2Y4.79%
Revenue Next 3Y4.3%
Revenue Next 5Y6.01%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 decreasing.
A4S.DE Yearly Revenue VS EstimatesA4S.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
A4S.DE Yearly EPS VS EstimatesA4S.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20 40 60

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7

4. A4S.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.45, the valuation of A4S can be described as very reasonable.
  • 80.83% of the companies in the same industry are more expensive than A4S, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.95. A4S is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.49, which indicates a very decent valuation of A4S.
  • 87.50% of the companies in the same industry are more expensive than A4S, based on the Price/Forward Earnings ratio.
  • A4S is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.45
Fwd PE 10.49
A4S.DE Price Earnings VS Forward Price EarningsA4S.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 95.83% of the companies in the same industry are more expensive than A4S, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.03
EV/EBITDA N/A
A4S.DE Per share dataA4S.DE 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.
  • A4S has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.25
PEG (5Y)0.62
EPS Next 2Y8.79%
EPS Next 3Y8.1%

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

6

5. A4S.DE Dividend Analysis

5.1 Amount

  • A4S has a Yearly Dividend Yield of 1.47%.
  • A4S's Dividend Yield is comparable with the industry average which is at 3.01.
  • Compared to an average S&P500 Dividend Yield of 1.81, A4S has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.47%

5.2 History

  • On average, the dividend of A4S grows each year by 9.05%, which is quite nice.
Dividend Growth(5Y)9.05%
Div Incr YearsN/A
Div Non Decr YearsN/A
A4S.DE Yearly Dividends per shareA4S.DE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2025 2026 1 2 3 4

5.3 Sustainability

  • A4S pays out 16.73% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of A4S is growing, but earnings are growing more, so the dividend growth is sustainable.
DP16.73%
EPS Next 2Y8.79%
EPS Next 3Y8.1%
A4S.DE Yearly Income VS Free CF VS DividendA4S.DE 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 8B
A4S.DE Dividend Payout.A4S.DE Dividend Payout, showing the Payout Ratio.A4S.DE Dividend Payout.PayoutRetained Earnings

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A4S.DE Fundamentals: All Metrics, Ratios and Statistics

AMERIPRISE FINANCIAL INC

FRA:A4S (3/13/2026, 7:00:00 PM)

389.5

-6.5 (-1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners89.76%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap35.51B
Revenue(TTM)18.91B
Net Income(TTM)3.56B
Analysts75
Price Target479.62 (23.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
Yearly Dividend5.5
Dividend Growth(5Y)9.05%
DP16.73%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.18%
Min EPS beat(2)0.47%
Max EPS beat(2)3.88%
EPS beat(4)4
Avg EPS beat(4)2.06%
Min EPS beat(4)0.34%
Max EPS beat(4)3.88%
EPS beat(8)7
Avg EPS beat(8)0.4%
EPS beat(12)7
Avg EPS beat(12)-1.14%
EPS beat(16)11
Avg EPS beat(16)0.36%
Revenue beat(2)2
Avg Revenue beat(2)3.11%
Min Revenue beat(2)2.74%
Max Revenue beat(2)3.48%
Revenue beat(4)2
Avg Revenue beat(4)0.59%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.48%
Revenue beat(8)6
Avg Revenue beat(8)2.21%
Revenue beat(12)10
Avg Revenue beat(12)2.96%
Revenue beat(16)13
Avg Revenue beat(16)2.79%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)1.36%
EPS NY rev (1m)0.6%
EPS NY rev (3m)1.24%
Revenue NQ rev (1m)0.82%
Revenue NQ rev (3m)1.67%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 10.49
P/S 2.17
P/FCF 5.03
P/OCF 4.93
P/B 6.27
P/tB 6.27
EV/EBITDA N/A
EPS(TTM)34.02
EY8.73%
EPS(NY)37.14
Fwd EY9.54%
FCF(TTM)77.46
FCFY19.89%
OCF(TTM)79
OCFY20.28%
SpS179.49
BVpS62.16
TBVpS62.16
PEG (NY)1.25
PEG (5Y)0.62
Graham Number218.128 (-44%)
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 54.41%
ROCE 3.8%
ROIC 2.47%
ROICexc 2.61%
ROICexgc 6.06%
OM 30.85%
PM (TTM) 18.84%
GM 52.67%
FCFM 43.15%
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)5.37%
ROICexgc(5y)5.01%
ROCE(3y)3.57%
ROCE(5y)3.14%
ROICexgc growth 3Y13.34%
ROICexgc growth 5Y15.57%
ROICexc growth 3Y13.28%
ROICexc growth 5Y20.92%
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-Score7
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 6.05
Debt/FCF 4.85
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.86%
Interest Coverage 7.76
Cash Conversion N/A
Profit Quality 229.05%
Current Ratio 0.67
Quick Ratio 0.67
Altman-Z 0.46
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.99%
Cap/Sales(5y)1.03%
Profit Quality(3y)197.96%
Profit Quality(5y)175.02%
High Growth Momentum
Growth
EPS 1Y (TTM)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
EPS Next Y9.18%
EPS Next 2Y8.79%
EPS Next 3Y8.1%
EPS Next 5Y11.4%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%5.74%
Revenue Next Year5.39%
Revenue Next 2Y4.79%
Revenue Next 3Y4.3%
Revenue Next 5Y6.01%
EBIT growth 1Y11.68%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year24.39%
EBIT Next 3Y9.31%
EBIT Next 5YN/A
FCF growth 1Y27.14%
FCF growth 3Y24.54%
FCF growth 5Y12.76%
OCF growth 1Y26.2%
OCF growth 3Y23.61%
OCF growth 5Y12.48%

AMERIPRISE FINANCIAL INC / A4S.DE Fundamental Analysis 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 7 / 10 to AMERIPRISE FINANCIAL INC (A4S.DE). This can be considered as Undervalued.


What is the profitability of A4S stock?

AMERIPRISE FINANCIAL INC (A4S.DE) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for A4S stock?

The Price/Earnings (PE) ratio for AMERIPRISE FINANCIAL INC (A4S.DE) is 11.45 and the Price/Book (PB) ratio is 6.27.


Can you provide the expected EPS growth for A4S stock?

The Earnings per Share (EPS) of AMERIPRISE FINANCIAL INC (A4S.DE) is expected to grow by 9.18% in the next year.