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AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

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

504.46  -3.75 (-0.74%)

After market: 504.46 0 (0%)

Fundamental Rating

4

AMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 230 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 is not valued too expensively and it also shows a decent growth rate.


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.
AMP had positive earnings in each of the past 5 years.
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 (1.67%) which is in line with its industry peers.
With an excellent Return On Equity value of 55.18%, AMP belongs to the best of the industry, outperforming 98.26% of the companies in the same industry.
AMP has a worse Return On Invested Capital (2.34%) than 63.91% 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 7.27%.
The 3 year average ROIC (2.01%) for AMP is below the current ROIC(2.34%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.67%
ROE 55.18%
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

The Profit Margin of AMP (16.56%) is comparable to the rest of the industry.
AMP's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 28.79%, AMP is in line with its industry, outperforming 51.30% of the companies in the same industry.
AMP's Operating Margin has improved in the last couple of years.
AMP's Gross Margin of 51.19% is in line compared to the rest of the industry. AMP outperforms 59.13% of its industry peers.
AMP's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 28.79%
PM (TTM) 16.56%
GM 51.19%
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

AMP has less shares outstanding than it did 1 year ago.
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 0.46. 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 66.09% of its industry peers.
The Debt to FCF ratio of AMP is 6.26, which is on the high side as it means it would take AMP, 6.26 years of fcf income to pay off all of its debts.
AMP's Debt to FCF ratio of 6.26 is in line compared to the rest of the industry. AMP outperforms 60.00% of its industry peers.
A Debt/Equity ratio of 7.71 is on the high side and indicates that AMP has dependencies on debt financing.
With a Debt to Equity ratio value of 7.71, AMP is not doing good in the industry: 86.96% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 7.71
Debt/FCF 6.26
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 0.60 indicates that AMP may have some problems paying its short term obligations.
AMP's Current ratio of 0.60 is on the low side compared to the rest of the industry. AMP is outperformed by 71.30% of its industry peers.
AMP has a Quick Ratio of 0.60. This is a bad value and indicates that AMP is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.60, AMP is doing worse than 71.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.6
Quick Ratio 0.6
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

AMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.97%, which is quite good.
AMP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.30% yearly.
The Revenue has grown by 9.09% in the past year. This is quite good.
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

The Earnings Per Share is expected to grow by 9.06% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.79% on average over the next years.
EPS Next Y7.34%
EPS Next 2Y7.52%
EPS Next 3Y9.06%
EPS Next 5Y9.06%
Revenue Next Year3.21%
Revenue Next 2Y4.07%
Revenue Next 3Y4.17%
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.
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 10 20 30 40

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.14, the valuation of AMP can be described as correct.
AMP's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 25.82. AMP is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 12.62, AMP is valued correctly.
AMP's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.76. AMP is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.14
Fwd PE 12.62
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

Based on the Price/Free Cash Flow ratio, AMP is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.24
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AMP does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)1.93
PEG (5Y)0.87
EPS Next 2Y7.52%
EPS Next 3Y9.06%

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.25%, AMP has a reasonable but not impressive dividend return.
AMP's Dividend Yield is slightly below the industry average, which is at 8.15.
With a Dividend Yield of 1.25, AMP pays less dividend than the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.25%

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
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

19.37% of the earnings are spent on dividend by AMP. This is a low number and sustainable payout ratio.
The dividend of AMP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP19.37%
EPS Next 2Y7.52%
EPS Next 3Y9.06%
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 (5/23/2025, 9:13:08 PM)

After market: 504.46 0 (0%)

504.46

-3.75 (-0.74%)

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 Change2.36%
Ins Owners0.23%
Ins Owner Change6.21%
Market Cap48.03B
Analysts76.67
Price Target536.72 (6.39%)
Short Float %1.6%
Short Ratio2.74
Dividend
Industry RankSector Rank
Dividend Yield 1.25%
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP19.37%
Div Incr Years19
Div Non Decr Years19
Ex-Date05-05 2025-05-05 (1.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3%
Min EPS beat(2)2.45%
Max EPS beat(2)3.55%
EPS beat(4)3
Avg EPS beat(4)-0.71%
Min EPS beat(4)-10.06%
Max EPS beat(4)3.55%
EPS beat(8)4
Avg EPS beat(8)-2.25%
EPS beat(12)7
Avg EPS beat(12)0.01%
EPS beat(16)11
Avg EPS beat(16)0.91%
Revenue beat(2)0
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-3.02%
Max Revenue beat(2)-0.69%
Revenue beat(4)0
Avg Revenue beat(4)-1.47%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.48%
Revenue beat(12)7
Avg Revenue beat(12)0.68%
Revenue beat(16)9
Avg Revenue beat(16)-0.4%
PT rev (1m)-8.8%
PT rev (3m)-8.15%
EPS NQ rev (1m)-2.93%
EPS NQ rev (3m)-5.59%
EPS NY rev (1m)-1.42%
EPS NY rev (3m)-3.99%
Revenue NQ rev (1m)-1.44%
Revenue NQ rev (3m)-2.49%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)-2.5%
Valuation
Industry RankSector Rank
PE 14.14
Fwd PE 12.62
P/S 2.67
P/FCF 7.24
P/OCF 7.07
P/B 8.91
P/tB 8.91
EV/EBITDA N/A
EPS(TTM)35.68
EY7.07%
EPS(NY)39.97
Fwd EY7.92%
FCF(TTM)69.69
FCFY13.81%
OCF(TTM)71.36
OCFY14.15%
SpS188.73
BVpS56.63
TBVpS56.63
PEG (NY)1.93
PEG (5Y)0.87
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 55.18%
ROCE 3.69%
ROIC 2.34%
ROICexc 2.45%
ROICexgc 5.34%
OM 28.79%
PM (TTM) 16.56%
GM 51.19%
FCFM 36.93%
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-Score6
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 7.71
Debt/FCF 6.26
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.88%
Interest Coverage 5.53
Cash Conversion N/A
Profit Quality 223.01%
Current Ratio 0.6
Quick Ratio 0.6
Altman-Z 0.46
F-Score6
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 Y7.34%
EPS Next 2Y7.52%
EPS Next 3Y9.06%
EPS Next 5Y9.06%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%5.1%
Revenue Next Year3.21%
Revenue Next 2Y4.07%
Revenue Next 3Y4.17%
Revenue Next 5Y5.79%
EBIT growth 1Y13.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year20.48%
EBIT Next 3Y9.51%
EBIT Next 5YN/A
FCF growth 1Y36.96%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y35.28%
OCF growth 3Y25.64%
OCF growth 5Y23.02%