Logo image of AMP

AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

NYSE:AMP - New York Stock Exchange, Inc. - US03076C1062 - Common Stock - Currency: USD

484.48  +13.95 (+2.96%)

After market: 484.48 0 (0%)

Fundamental Rating

4

Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. AMP was compared to 230 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year AMP was profitable.
In the past year AMP had a positive cash flow from operations.
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.
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's Return On Assets of 1.87% is in line compared to the rest of the industry. AMP outperforms 43.48% of its industry peers.
AMP has a Return On Equity of 65.05%. This is amongst the best in the industry. AMP outperforms 98.70% of its industry peers.
With a Return On Invested Capital value of 2.32%, AMP is not doing good in the industry: 63.91% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for AMP is significantly below the industry average of 7.10%.
The last Return On Invested Capital (2.32%) for AMP is above the 3 year average (2.01%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.87%
ROE 65.05%
ROIC 2.32%
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

The Profit Margin of AMP (18.97%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AMP has grown nicely.
AMP's Operating Margin of 29.14% is in line compared to the rest of the industry. AMP outperforms 51.30% of its industry peers.
AMP's Operating Margin has improved in the last couple of years.
AMP has a Gross Margin of 52.02%. This is in the better half of the industry: AMP outperforms 61.30% of its industry peers.
In the last couple of years the Gross Margin of AMP has grown nicely.
Industry RankSector Rank
OM 29.14%
PM (TTM) 18.97%
GM 52.02%
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
Compared to 5 years ago, AMP has less shares outstanding
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 0.43. This is a bad value and indicates that AMP is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of AMP (0.43) is worse than 66.52% of its industry peers.
AMP has a debt to FCF ratio of 6.43. This is a slightly negative value and a sign of low solvency as AMP would need 6.43 years to pay back of all of its debts.
The Debt to FCF ratio of AMP (6.43) is better than 60.87% of its industry peers.
A Debt/Equity ratio of 7.90 is on the high side and indicates that AMP has dependencies on debt financing.
AMP has a worse Debt to Equity ratio (7.90) than 87.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.9
Debt/FCF 6.43
Altman-Z 0.43
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 0.59 indicates that AMP may have some problems paying its short term obligations.
AMP has a Current ratio of 0.59. This is in the lower half of the industry: AMP underperforms 71.74% of its industry peers.
A Quick Ratio of 0.59 indicates that AMP may have some problems paying its short term obligations.
The Quick ratio of AMP (0.59) is worse than 71.74% of its industry peers.
Industry RankSector Rank
Current Ratio 0.59
Quick Ratio 0.59
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

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.97% over the past year.
AMP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.30% yearly.
AMP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.09%.
AMP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.82% yearly.
EPS 1Y (TTM)18.97%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%13.23%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%5.1%

3.2 Future

AMP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.06% yearly.
Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 5.79% on average per year.
EPS Next Y8.89%
EPS Next 2Y8.48%
EPS Next 3Y8.06%
EPS Next 5Y9.06%
Revenue Next Year4.4%
Revenue Next 2Y4.42%
Revenue Next 3Y3.73%
Revenue Next 5Y5.79%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 10 20 30 40

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.58, AMP is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of AMP is on the same level as its industry peers.
When comparing the Price/Earnings ratio of AMP to the average of the S&P500 Index (28.22), we can say AMP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.91, the valuation of AMP can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMP indicates a somewhat cheap valuation: AMP is cheaper than 61.30% of the companies listed in the same industry.
AMP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.58
Fwd PE 11.91
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMP indicates a rather cheap valuation: AMP is cheaper than 81.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.23
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.
AMP has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.53
PEG (5Y)0.83
EPS Next 2Y8.48%
EPS Next 3Y8.06%

5

5. Dividend

5.1 Amount

AMP has a Yearly Dividend Yield of 1.36%. Purely for dividend investing, there may be better candidates out there.
AMP's Dividend Yield is slightly below the industry average, which is at 8.35.
Compared to an average S&P500 Dividend Yield of 2.44, AMP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.36%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

AMP pays out 16.88% of its income as dividend. This is a sustainable payout ratio.
AMP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP16.88%
EPS Next 2Y8.48%
EPS Next 3Y8.06%
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 (5/2/2025, 4:46:09 PM)

After market: 484.48 0 (0%)

484.48

+13.95 (+2.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22/amc
Inst Owners88.05%
Inst Owner Change2.33%
Ins Owners0.23%
Ins Owner Change5.95%
Market Cap46.42B
Analysts76.67
Price Target546.92 (12.89%)
Short Float %1.53%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.88%
Div Incr Years19
Div Non Decr Years19
Ex-Date05-05 2025-05-05 (1.6)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.81%
Min EPS beat(2)-10.06%
Max EPS beat(2)2.45%
EPS beat(4)3
Avg EPS beat(4)-1.27%
Min EPS beat(4)-10.06%
Max EPS beat(4)2.45%
EPS beat(8)3
Avg EPS beat(8)-2.74%
EPS beat(12)7
Avg EPS beat(12)-0.21%
EPS beat(16)11
Avg EPS beat(16)1.6%
Revenue beat(2)0
Avg Revenue beat(2)-0.41%
Min Revenue beat(2)-0.69%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-2.04%
Max Revenue beat(4)-0.14%
Revenue beat(8)4
Avg Revenue beat(8)0.22%
Revenue beat(12)7
Avg Revenue beat(12)0.8%
Revenue beat(16)10
Avg Revenue beat(16)-0.07%
PT rev (1m)-6.44%
PT rev (3m)-6.48%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-3.52%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)-0.83%
Revenue NY rev (3m)-1.98%
Valuation
Industry RankSector Rank
PE 13.58
Fwd PE 11.91
P/S 2.59
P/FCF 7.23
P/OCF 7.04
P/B 8.88
P/tB 8.88
EV/EBITDA N/A
EPS(TTM)35.68
EY7.36%
EPS(NY)40.68
Fwd EY8.4%
FCF(TTM)67
FCFY13.83%
OCF(TTM)68.83
OCFY14.21%
SpS187.1
BVpS54.57
TBVpS54.57
PEG (NY)1.53
PEG (5Y)0.83
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 65.05%
ROCE 3.67%
ROIC 2.32%
ROICexc 2.44%
ROICexgc 5.55%
OM 29.14%
PM (TTM) 18.97%
GM 52.02%
FCFM 35.81%
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 7.9
Debt/FCF 6.43
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.98%
Interest Coverage 5.17
Cash Conversion N/A
Profit Quality 188.74%
Current Ratio 0.59
Quick Ratio 0.59
Altman-Z 0.43
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)18.97%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%13.23%
EPS Next Y8.89%
EPS Next 2Y8.48%
EPS Next 3Y8.06%
EPS Next 5Y9.06%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%5.1%
Revenue Next Year4.4%
Revenue Next 2Y4.42%
Revenue Next 3Y3.73%
Revenue Next 5Y5.79%
EBIT growth 1Y19.93%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year20.48%
EBIT Next 3Y9.51%
EBIT Next 5YN/A
FCF growth 1Y42.61%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y40.77%
OCF growth 3Y25.64%
OCF growth 5Y23.02%