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AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

USA - NYSE:AMP - US03076C1062 - Common Stock

467.8 USD
+0.07 (+0.01%)
Last: 10/17/2025, 3:10:06 PM
Fundamental Rating

4

AMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. AMP has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

AMP had positive earnings in the past year.
AMP had a positive operating cash flow in the past year.
In the past 5 years AMP has always been profitable.
Each year in the past 5 years AMP had a positive operating cash flow.
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 comparable to the rest of the industry.
The Return On Equity of AMP (53.03%) is better than 97.89% of its industry peers.
AMP has a Return On Invested Capital of 2.34%. This is in the lower half of the industry: AMP underperforms 63.29% 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 7.58%.
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.
AMP has a Operating Margin (29.61%) which is in line with its industry peers.
AMP's Operating Margin has improved in the last couple of years.
AMP's Gross Margin of 51.86% is fine compared to the rest of the industry. AMP outperforms 61.60% 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

Based on the Altman-Z score of 0.45, we must say that AMP is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of AMP (0.45) is worse than 64.56% of its industry peers.
The Debt to FCF ratio of AMP is 6.05, which is on the high side as it means it would take AMP, 6.05 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 6.05, AMP is doing good in the industry, outperforming 70.04% of the companies in the same industry.
AMP has a Debt/Equity ratio of 6.67. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 6.67, AMP is doing worse than 87.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.67
Debt/FCF 6.05
Altman-Z 0.45
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

AMP has a Current 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.
With a Current ratio value of 0.62, AMP is not doing good in the industry: 72.57% of the companies in the same industry are doing better.
A Quick Ratio of 0.62 indicates that AMP may have some problems paying its short term obligations.
AMP has a worse Quick ratio (0.62) than 72.57% 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.
AMP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.19%.
The Revenue has been growing slightly by 6.82% on average over the past years.
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

The Earnings Per Share is expected to grow by 6.97% on average over the next years.
Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 6.18% on average per year.
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.
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.
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

AMP is valuated correctly with a Price/Earnings ratio of 12.97.
AMP's Price/Earnings ratio is in line with the industry average.
AMP is valuated cheaply when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.37 indicates a reasonable valuation of AMP.
Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than 62.03% of the companies in the same industry.
AMP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.97
Fwd PE 11.37
AMP Price Earnings VS Forward Price EarningsAMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

AMP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AMP is cheaper than 79.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.58
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

AMP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)1.25
PEG (5Y)0.8
EPS Next 2Y9.08%
EPS Next 3Y8.94%

5

5. Dividend

5.1 Amount

AMP has a Yearly Dividend Yield of 1.30%.
AMP's Dividend Yield is slightly below the industry average, which is at 8.24.
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 1.3%

5.2 History

The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
AMP has paid a dividend for at least 10 years, which is 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.
AMP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP18.14%
EPS Next 2Y9.08%
EPS Next 3Y8.94%
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 (10/17/2025, 3:10:06 PM)

467.8

+0.07 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-28 2025-10-28/amc
Inst Owners87.64%
Inst Owner Change-0.01%
Ins Owners0.2%
Ins Owner Change1.63%
Market Cap44.10B
Analysts73.68
Price Target570.38 (21.93%)
Short Float %2.39%
Short Ratio4.79
Dividend
Industry RankSector Rank
Dividend Yield 1.3%
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)5.33%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)2.86%
EPS NY rev (1m)0.17%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 12.97
Fwd PE 11.37
P/S 2.43
P/FCF 6.58
P/OCF 6.41
P/B 7.25
P/tB 7.25
EV/EBITDA N/A
EPS(TTM)36.07
EY7.71%
EPS(NY)41.13
Fwd EY8.79%
FCF(TTM)71.07
FCFY15.19%
OCF(TTM)72.99
OCFY15.6%
SpS192.85
BVpS64.52
TBVpS64.52
PEG (NY)1.25
PEG (5Y)0.8
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 0.45
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%3.93%
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%