AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - NYSE:AMP - US03076C1062 - Common Stock
487.11 USD
-0.54 (-0.11%)
Overall AMP gets a fundamental rating of 4 out of 10. We evaluated AMP against 237 industry peers in the Capital Markets industry. While AMP is still in line with the averages on profitability rating, there are concerns on its financial health. AMP has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year AMP was profitable.
AMP had a positive operating cash flow in the past year.
AMP had positive earnings in each of the past 5 years.
AMP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AMP has a Return On Assets of 1.74%. This is comparable to the rest of the industry: AMP outperforms 42.19% of its industry peers.
AMP has a Return On Equity of 53.03%. This is amongst the best in the industry. AMP outperforms 97.89% of its industry peers.
AMP's Return On Invested Capital of 2.34% is on the low side compared to the rest of the industry. AMP is outperformed by 64.13% of its industry peers.
AMP had an Average Return On Invested Capital over the past 3 years of 2.01%. This is significantly below the industry average of 7.61%.
The 3 year average ROIC (2.01%) for AMP 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
AMP has a Profit Margin (17.74%) which is in line with its industry peers.
AMP's Profit Margin has improved in the last couple of years.
The Operating Margin of AMP (29.61%) is comparable to the rest of the industry.
AMP's Operating Margin has improved in the last couple of years.
AMP has a better Gross Margin (51.86%) than 60.34% of its industry peers.
In the last couple of years the Gross Margin of AMP 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
AMP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, AMP has less shares outstanding
AMP 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 AMP is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.45, AMP is not doing good in the industry: 62.45% of the companies in the same industry are doing better.
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.
Looking at the Debt to FCF ratio, with a value of 6.05, AMP is in the better half of the industry, outperforming 67.09% 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.
AMP has a worse Debt to Equity ratio (6.67) than 87.34% 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
A Current Ratio of 0.62 indicates that AMP may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.62, AMP is doing worse than 72.15% of the companies in the same industry.
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.
AMP's Quick ratio of 0.62 is on the low side compared to the rest of the industry. AMP is outperformed by 72.15% of its industry peers.
| 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.
Measured over the past years, AMP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.30% on average per year.
Looking at the last year, AMP shows a small growth in Revenue. The Revenue has grown by 7.19% in the last year.
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
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
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 13.50, which indicates a correct valuation of AMP.
The rest of the industry has a similar Price/Earnings ratio as AMP.
When comparing the Price/Earnings ratio of AMP to the average of the S&P500 Index (27.27), we can say AMP is valued rather cheaply.
The Price/Forward Earnings ratio is 11.84, which indicates a very decent valuation of AMP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMP indicates a somewhat cheap valuation: AMP is cheaper than 63.29% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AMP to the average of the S&P500 Index (22.77), we can say AMP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.5 | ||
| Fwd PE | 11.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AMP is valued a bit cheaper than 79.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.85 | ||
| EV/EBITDA | N/A |
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)1.32
PEG (5Y)0.83
EPS Next 2Y9.08%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.28%, AMP has a reasonable but not impressive dividend return.
AMP's Dividend Yield is slightly below the industry average, which is at 7.96.
With a Dividend Yield of 1.28, AMP pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
5.2 History
On average, the dividend of AMP grows each year by 8.56%, which is quite nice.
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
5.3 Sustainability
AMP pays out 18.14% of its income as dividend. This is a 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%
NYSE:AMP (9/16/2025, 2:53:02 PM)
487.11
-0.54 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.03%
Inst Owner Change-5.37%
Ins Owners0.19%
Ins Owner Change1.63%
Market Cap45.92B
Analysts73.68
Price Target570.38 (17.09%)
Short Float %2.23%
Short Ratio4.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP18.14%
Div Incr Years19
Div Non Decr Years19
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.5 | ||
| Fwd PE | 11.84 | ||
| P/S | 2.53 | ||
| P/FCF | 6.85 | ||
| P/OCF | 6.67 | ||
| P/B | 7.55 | ||
| P/tB | 7.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)36.07
EY7.4%
EPS(NY)41.13
Fwd EY8.44%
FCF(TTM)71.07
FCFY14.59%
OCF(TTM)72.99
OCFY14.98%
SpS192.85
BVpS64.52
TBVpS64.52
PEG (NY)1.32
PEG (5Y)0.83
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 Y10.19%
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%