AMERIPRISE FINANCIAL INC (A4S.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A4S - US03076C1062 - Common Stock
435.2 EUR
+3.1 (+0.72%)
A4S gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 121 industry peers in the Capital Markets industry. A4S has an excellent profitability rating, 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
- A4S had positive earnings in the past year.
- A4S had a positive operating cash flow in the past year.
- Each year in the past 5 years A4S has been profitable.
- In the past 5 years A4S always reported a positive cash flow from operatings.
1.2 Ratios
- A4S has a Return On Assets of 1.91%. This is comparable to the rest of the industry: A4S outperforms 58.68% of its industry peers.
- A4S has a better Return On Equity (56.17%) than 97.52% 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 57.02% 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 8.43%.
- The last Return On Invested Capital (2.39%) for A4S is above the 3 year average (2.01%), which is a sign of increasing profitability.
| 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's Profit Margin of 19.59% is fine compared to the rest of the industry. A4S outperforms 62.81% of its industry peers.
- In the last couple of years the Profit Margin of A4S has grown nicely.
- With a decent Operating Margin value of 30.50%, A4S is doing good in the industry, outperforming 72.73% 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 66.94% 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.
- Compared to 5 years ago, A4S has less shares outstanding
- A4S has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.47, we must say that A4S is in the distress zone and has some risk of bankruptcy.
- A4S has a Altman-Z score of 0.47. This is comparable to the rest of the industry: A4S outperforms 50.41% 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.
- Looking at the Debt to FCF ratio, with a value of 6.74, A4S is in the better half of the industry, outperforming 68.59% of the companies in the same industry.
- A4S has a Debt/Equity ratio of 6.12. This is a high value indicating a heavy dependency on external financing.
- A4S has a Debt to Equity ratio of 6.12. This is in the lower half of the industry: A4S underperforms 65.29% 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
- 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.
- A4S has a Current ratio (0.68) which is comparable to the rest of the industry.
- A Quick Ratio of 0.68 indicates that A4S may have some problems paying its short term obligations.
- A4S has a Quick ratio (0.68) which is comparable to the rest of the 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 16.75% over the past year.
- The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
- Looking at the last year, A4S shows a small growth in Revenue. The Revenue has grown by 6.12% in the last year.
- A4S shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.82% yearly.
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
- A4S is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.97% yearly.
- A4S is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.94% yearly.
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue Next Year6.88%
Revenue Next 2Y6.29%
Revenue Next 3Y5.92%
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
- The Price/Earnings ratio is 13.46, which indicates a correct valuation of A4S.
- 79.34% of the companies in the same industry are more expensive than A4S, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, A4S is valued rather cheaply.
- With a Price/Forward Earnings ratio of 12.00, A4S is valued correctly.
- 85.95% 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 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 12 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, A4S is valued cheaply inside the industry as 92.56% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.08 | ||
| 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)1.03
PEG (5Y)0.83
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.26%, A4S has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 3.07, A4S has a dividend in line with its industry peers.
- A4S's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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
- A4S pays out 16.30% 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.
DP16.3%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
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 13.03% in the next year.