AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMP - US03076C1062 - Common Stock
490.34 USD
-4.13 (-0.84%)
490.34 USD
0 (0%)
Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. AMP was compared to 235 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 is not valued too expensively and it also shows a decent 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.
In the past 5 years AMP always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.91%, AMP perfoms like the industry average, outperforming 45.11% of the companies in the same industry.
AMP's Return On Equity of 56.17% is amongst the best of the industry. AMP outperforms 98.30% of its industry peers.
AMP has a worse Return On Invested Capital (2.39%) than 61.70% 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 7.13%.
The 3 year average ROIC (2.01%) for AMP is below the current ROIC(2.39%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 56.17% | ||
| ROIC | 2.39% |
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
Looking at the Profit Margin, with a value of 19.59%, AMP is in line with its industry, outperforming 56.60% of the companies in the same industry.
AMP's Profit Margin has improved in the last couple of years.
AMP has a Operating Margin of 30.50%. This is comparable to the rest of the industry: AMP outperforms 59.15% of its industry peers.
AMP's Operating Margin has improved in the last couple of years.
AMP has a Gross Margin (52.46%) which is comparable to the rest of the industry.
AMP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.5% | ||
| PM (TTM) | 19.59% | ||
| GM | 52.46% |
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
Compared to 1 year ago, AMP has less shares outstanding
AMP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AMP has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.47, we must say that AMP is in the distress zone and has some risk of bankruptcy.
AMP's Altman-Z score of 0.47 is on the low side compared to the rest of the industry. AMP is outperformed by 60.00% of its industry peers.
The Debt to FCF ratio of AMP is 6.74, which is on the high side as it means it would take AMP, 6.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.74, AMP is in the better half of the industry, outperforming 65.96% of the companies in the same industry.
A Debt/Equity ratio of 6.12 is on the high side and indicates that AMP has dependencies on debt financing.
AMP has a worse Debt to Equity ratio (6.12) than 85.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Altman-Z | 0.47 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AMP has a Current Ratio of 0.68. 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 has a Current ratio of 0.68. This is in the lower half of the industry: AMP underperforms 67.66% of its industry peers.
A Quick Ratio of 0.68 indicates that AMP may have some problems paying its short term obligations.
The Quick ratio of AMP (0.68) is worse than 67.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.75% 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 6.12% in the last year.
The Revenue has been growing slightly by 6.82% on average over the past years.
EPS 1Y (TTM)16.75%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%21.85%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%8.93%
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.
Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 5.94% on average per year.
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue Next Year6.4%
Revenue Next 2Y6.3%
Revenue Next 3Y5.56%
Revenue Next 5Y5.94%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.96, AMP is valued correctly.
Based on the Price/Earnings ratio, AMP is valued a bit cheaper than the industry average as 60.85% of the companies are valued more expensively.
AMP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
AMP is valuated reasonably with a Price/Forward Earnings ratio of 11.55.
Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than 64.26% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AMP to the average of the S&P500 Index (23.13), we can say AMP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.96 | ||
| Fwd PE | 11.55 |
4.2 Price Multiples
80.00% of the companies in the same industry are more expensive than AMP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AMP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AMP has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.99
PEG (5Y)0.8
EPS Next 2Y10.8%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
AMP has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
AMP's Dividend Yield is slightly below the industry average, which is at 6.65.
AMP's Dividend Yield is slightly below the S&P500 average, which is at 2.00.
| 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 been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
AMP pays out 16.30% 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.
DP16.3%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
490.34
-4.13 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.16%
Inst Owner Change0.16%
Ins Owners0.2%
Ins Owner Change1.63%
Market Cap45.56B
Revenue(TTM)18.51B
Net Income(TTM)3.63B
Analysts73
Price Target551.41 (12.45%)
Short Float %3.28%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.4%
Min EPS beat(2)0.34%
Max EPS beat(2)0.47%
EPS beat(4)4
Avg EPS beat(4)1.7%
Min EPS beat(4)0.34%
Max EPS beat(4)3.55%
EPS beat(8)6
Avg EPS beat(8)-1.02%
EPS beat(12)7
Avg EPS beat(12)-0.96%
EPS beat(16)11
Avg EPS beat(16)0.54%
Revenue beat(2)1
Avg Revenue beat(2)1.31%
Min Revenue beat(2)-0.85%
Max Revenue beat(2)3.48%
Revenue beat(4)1
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.48%
Revenue beat(8)2
Avg Revenue beat(8)-0.4%
Revenue beat(12)6
Avg Revenue beat(12)0.62%
Revenue beat(16)9
Avg Revenue beat(16)0.81%
PT rev (1m)0.23%
PT rev (3m)-3.33%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)5.66%
EPS NY rev (1m)1.2%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)1.01%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)1.06%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.96 | ||
| Fwd PE | 11.55 | ||
| P/S | 2.46 | ||
| P/FCF | 7.77 | ||
| P/OCF | 7.55 | ||
| P/B | 7.06 | ||
| P/tB | 7.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.84
EY7.72%
EPS(NY)42.44
Fwd EY8.65%
FCF(TTM)63.08
FCFY12.87%
OCF(TTM)64.98
OCFY13.25%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)0.99
PEG (5Y)0.8
Graham Number243.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 56.17% | ||
| ROCE | 3.68% | ||
| ROIC | 2.39% | ||
| ROICexc | 2.52% | ||
| ROICexgc | 5.89% | ||
| OM | 30.5% | ||
| PM (TTM) | 19.59% | ||
| GM | 52.46% | ||
| FCFM | 31.66% |
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%
ROICexgc growth 3Y4.22%
ROICexgc 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-Score9
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.95% | ||
| Interest Coverage | 6.89 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.64% | ||
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 0.47 |
F-Score9
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)16.75%
EPS 3Y14.95%
EPS 5Y16.3%
EPS Q2Q%21.85%
EPS Next Y13.03%
EPS Next 2Y10.8%
EPS Next 3Y9.68%
EPS Next 5Y6.97%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%8.93%
Revenue Next Year6.4%
Revenue Next 2Y6.3%
Revenue Next 3Y5.56%
Revenue Next 5Y5.94%
EBIT growth 1Y21.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year24.65%
EBIT Next 3Y8.03%
EBIT Next 5YN/A
FCF growth 1Y64.22%
FCF growth 3Y26.05%
FCF growth 5Y23.9%
OCF growth 1Y60.6%
OCF growth 3Y25.64%
OCF growth 5Y23.02%
AMERIPRISE FINANCIAL INC / AMP FAQ
What is the ChartMill fundamental rating of AMERIPRISE FINANCIAL INC (AMP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMP.
What is the valuation status for AMP stock?
ChartMill assigns a valuation rating of 6 / 10 to AMERIPRISE FINANCIAL INC (AMP). This can be considered as Fairly Valued.
What is the profitability of AMP stock?
AMERIPRISE FINANCIAL INC (AMP) has a profitability rating of 6 / 10.
What are the PE and PB ratios of AMERIPRISE FINANCIAL INC (AMP) stock?
The Price/Earnings (PE) ratio for AMERIPRISE FINANCIAL INC (AMP) is 12.96 and the Price/Book (PB) ratio is 7.06.
How financially healthy is AMERIPRISE FINANCIAL INC?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 2 / 10.