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AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

USA - NYSE:AMP - US03076C1062 - Common Stock

487.65 USD
-9.43 (-1.9%)
Last: 9/15/2025, 4:15:00 PM
487.05 USD
-0.6 (-0.12%)
After Hours: 9/15/2025, 4:15:00 PM
Fundamental Rating

4

Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. AMP was compared to 237 industry peers in the Capital Markets industry. There are concerns on the financial health of AMP while its profitability can be described as average. AMP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year AMP was profitable.
AMP had a positive operating cash flow in the past year.
In the past 5 years AMP has always been profitable.
AMP had a positive operating cash flow in each of the past 5 years.
AMP Yearly Net Income VS EBIT VS OCF VS FCFAMP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

AMP has a Return On Assets (1.74%) which is in line with its industry peers.
With an excellent Return On Equity value of 53.03%, AMP belongs to the best of the industry, outperforming 97.89% of the companies in the same industry.
The Return On Invested Capital of AMP (2.34%) is worse than 64.13% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AMP is significantly below the industry average of 7.61%.
The last Return On Invested Capital (2.34%) for AMP is above the 3 year average (2.01%), which is a sign of increasing profitability.
Industry RankSector 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%
AMP Yearly ROA, ROE, ROICAMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

With a Profit Margin value of 17.74%, AMP perfoms like the industry average, outperforming 53.16% of the companies in the same industry.
In the last couple of years the Profit Margin of AMP has grown nicely.
The Operating Margin of AMP (29.61%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of AMP has grown nicely.
The Gross Margin of AMP (51.86%) is better than 60.34% of its industry peers.
In the last couple of years the Gross Margin of AMP has grown nicely.
Industry RankSector 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%
AMP Yearly Profit, Operating, Gross MarginsAMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

2

2. Health

2.1 Basic Checks

Compared to 1 year ago, AMP has less shares outstanding
AMP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AMP has an improved debt to assets ratio.
AMP Yearly Shares OutstandingAMP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
AMP Yearly Total Debt VS Total AssetsAMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

AMP has an Altman-Z score of 0.46. This is a bad value and indicates that AMP is not financially healthy and even has some risk of bankruptcy.
AMP has a Altman-Z score of 0.46. This is in the lower half of the industry: AMP underperforms 62.45% of its industry peers.
AMP has a debt to FCF ratio of 6.05. This is a slightly negative value and a sign of low solvency as AMP would need 6.05 years to pay back of all of its debts.
AMP's Debt to FCF ratio of 6.05 is fine compared to the rest of the industry. AMP outperforms 67.09% of its industry peers.
AMP has a Debt/Equity ratio of 6.67. This is a high value indicating a heavy dependency on external financing.
AMP has a Debt to Equity ratio of 6.67. This is amonst the worse of the industry: AMP underperforms 87.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.67
Debt/FCF 6.05
Altman-Z 0.46
ROIC/WACCN/A
WACCN/A
AMP Yearly LT Debt VS Equity VS FCFAMP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

A Current Ratio of 0.62 indicates that AMP may have some problems paying its short term obligations.
With a Current ratio value of 0.62, AMP is not doing good in the industry: 72.15% of the companies in the same industry are doing better.
AMP has a Quick Ratio of 0.62. This is a bad value and indicates that AMP is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of AMP (0.62) is worse than 72.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.62
Quick Ratio 0.62
AMP Yearly Current Assets VS Current LiabilitesAMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.35% over the past year.
The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.19% in the past year.
Measured over the past years, AMP 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%3.93%

3.2 Future

Based on estimates for the next years, AMP will show a small growth in Earnings Per Share. The EPS will grow by 6.97% on average per year.
The Revenue is expected to grow by 6.18% on average over the next years.
EPS Next Y10.19%
EPS Next 2Y9.08%
EPS Next 3Y8.96%
EPS Next 5Y6.97%
Revenue Next Year3.79%
Revenue Next 2Y4.41%
Revenue Next 3Y4.42%
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.
AMP Yearly Revenue VS EstimatesAMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
AMP Yearly EPS VS EstimatesAMP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30 40

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.52, the valuation of AMP can be described as correct.
AMP's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, AMP is valued rather cheaply.
A Price/Forward Earnings ratio of 11.86 indicates a reasonable valuation of AMP.
AMP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AMP is cheaper than 63.29% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.73. AMP is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.52
Fwd PE 11.86
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

79.32% of the companies in the same industry are more expensive than AMP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.86
EV/EBITDA N/A
AMP Per share dataAMP 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.
AMP has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.33
PEG (5Y)0.83
EPS Next 2Y9.08%
EPS Next 3Y8.96%

5

5. Dividend

5.1 Amount

AMP has a Yearly Dividend Yield of 1.28%.
AMP's Dividend Yield is slightly below the industry average, which is at 7.96.
Compared to an average S&P500 Dividend Yield of 2.38, AMP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.28%

5.2 History

The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
AMP has been paying a dividend for at least 10 years, so it has a reliable track record.
AMP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.56%
Div Incr Years19
Div Non Decr Years19
AMP Yearly Dividends per shareAMP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

18.14% of the earnings are spent on dividend by AMP. This is a low number and sustainable payout ratio.
The dividend of AMP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.14%
EPS Next 2Y9.08%
EPS Next 3Y8.96%
AMP Yearly Income VS Free CF VS DividendAMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
AMP Dividend Payout.AMP Dividend Payout, showing the Payout Ratio.AMP Dividend Payout.PayoutRetained Earnings

AMERIPRISE FINANCIAL INC

NYSE:AMP (9/15/2025, 4:15:00 PM)

After market: 487.05 -0.6 (-0.12%)

487.65

-9.43 (-1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-21 2025-10-21/amc
Inst Owners89.03%
Inst Owner Change-5.37%
Ins Owners0.19%
Ins Owner Change1.63%
Market Cap45.97B
Analysts73.68
Price Target570.38 (16.97%)
Short Float %2.1%
Short Ratio4.51
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP18.14%
Div Incr Years19
Div Non Decr Years19
Ex-Date08-04 2025-08-04 (1.6)
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)0
Avg Revenue beat(4)-1.17%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)-0.14%
Revenue beat(8)2
Avg Revenue beat(8)-0.68%
Revenue beat(12)6
Avg Revenue beat(12)0.65%
Revenue beat(16)8
Avg Revenue beat(16)-0.5%
PT rev (1m)0%
PT rev (3m)5.39%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)5.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE 13.52
Fwd PE 11.86
P/S 2.53
P/FCF 6.86
P/OCF 6.68
P/B 7.56
P/tB 7.56
EV/EBITDA N/A
EPS(TTM)36.07
EY7.4%
EPS(NY)41.13
Fwd EY8.44%
FCF(TTM)71.07
FCFY14.57%
OCF(TTM)72.99
OCFY14.97%
SpS192.85
BVpS64.52
TBVpS64.52
PEG (NY)1.33
PEG (5Y)0.83
Profitability
Industry RankSector 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 RankSector 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 0.46
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 Y10.19%
EPS Next 2Y9.08%
EPS Next 3Y8.96%
EPS Next 5Y6.97%
Revenue 1Y (TTM)7.19%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%3.93%
Revenue Next Year3.79%
Revenue Next 2Y4.41%
Revenue Next 3Y4.42%
Revenue Next 5Y6.18%
EBIT growth 1Y14.21%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year24.39%
EBIT Next 3Y9.35%
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%