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AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis

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

542.44  +3.84 (+0.71%)

After market: 542.44 0 (0%)

Fundamental Rating

4

Taking everything into account, AMP scores 4 out of 10 in our fundamental rating. AMP was compared to 233 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

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.
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

Looking at the Return On Assets, with a value of 1.67%, AMP is in line with its industry, outperforming 43.78% of the companies in the same industry.
AMP has a Return On Equity of 55.18%. This is amongst the best in the industry. AMP outperforms 97.85% of its industry peers.
AMP has a worse Return On Invested Capital (2.34%) than 65.67% 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 7.84%.
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 1.67%
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

Looking at the Profit Margin, with a value of 16.56%, AMP is in line with its industry, outperforming 54.08% of the companies in the same industry.
AMP's Profit Margin has improved in the last couple of years.
The Operating Margin of AMP (28.79%) is comparable to the rest of the industry.
AMP's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 51.19%, AMP perfoms like the industry average, outperforming 56.65% of the companies in the same industry.
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

The number of shares outstanding for AMP has been reduced compared to 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

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 has a worse Altman-Z score (0.47) than 65.67% of its industry peers.
AMP has a debt to FCF ratio of 6.26. This is a slightly negative value and a sign of low solvency as AMP would need 6.26 years to pay back of all of its debts.
The Debt to FCF ratio of AMP (6.26) is better than 63.52% 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.
AMP has a worse Debt to Equity ratio (7.71) than 88.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.71
Debt/FCF 6.26
Altman-Z 0.47
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.
With a Current ratio value of 0.60, AMP is not doing good in the industry: 73.39% of the companies in the same industry are doing better.
A Quick Ratio of 0.60 indicates that AMP may have some problems paying its short term obligations.
AMP has a Quick ratio of 0.60. This is in the lower half of the industry: AMP underperforms 73.39% of its industry peers.
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

4

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.
Looking at the last year, AMP shows a quite strong growth in Revenue. The Revenue has grown by 9.09% in the last year.
Measured over the past years, AMP shows a small growth in Revenue. The Revenue has been growing by 6.82% on average per year.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.97% yearly.
The Revenue is expected to grow by 5.70% on average over the next years.
EPS Next Y7.33%
EPS Next 2Y7.53%
EPS Next 3Y9.06%
EPS Next 5Y6.97%
Revenue Next Year3.23%
Revenue Next 2Y4.07%
Revenue Next 3Y4.17%
Revenue Next 5Y5.7%

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

4

4. Valuation

4.1 Price/Earnings Ratio

AMP is valuated correctly with a Price/Earnings ratio of 15.20.
The rest of the industry has a similar Price/Earnings ratio as AMP.
The average S&P500 Price/Earnings ratio is at 27.21. AMP is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 13.57, which indicates a correct valuation of AMP.
The rest of the industry has a similar Price/Forward Earnings ratio as AMP.
AMP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.2
Fwd PE 13.57
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 79.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.74
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 an expensive valuation of the company.
The decent profitability rating of AMP may justify a higher PE ratio.
PEG (NY)2.07
PEG (5Y)0.93
EPS Next 2Y7.53%
EPS Next 3Y9.06%

5

5. Dividend

5.1 Amount

AMP has a Yearly Dividend Yield of 1.22%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 8.00, AMP is paying slightly less dividend.
With a Dividend Yield of 1.22, AMP pays less dividend than the S&P500 average, which is at 2.42.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
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
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.
AMP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.37%
EPS Next 2Y7.53%
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 (7/2/2025, 4:34:01 PM)

After market: 542.44 0 (0%)

542.44

+3.84 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/amc
Inst Owners89.38%
Inst Owner Change3.3%
Ins Owners0.19%
Ins Owner Change6.21%
Market Cap51.65B
Analysts76.67
Price Target541.52 (-0.17%)
Short Float %1.46%
Short Ratio2.9
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
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)0.89%
PT rev (3m)-7.99%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-5.81%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-3.84%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-2.88%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-1.94%
Valuation
Industry RankSector Rank
PE 15.2
Fwd PE 13.57
P/S 2.86
P/FCF 7.74
P/OCF 7.55
P/B 9.52
P/tB 9.52
EV/EBITDA N/A
EPS(TTM)35.68
EY6.58%
EPS(NY)39.97
Fwd EY7.37%
FCF(TTM)70.12
FCFY12.93%
OCF(TTM)71.8
OCFY13.24%
SpS189.9
BVpS56.98
TBVpS56.98
PEG (NY)2.07
PEG (5Y)0.93
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 0.47
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 Y7.33%
EPS Next 2Y7.53%
EPS Next 3Y9.06%
EPS Next 5Y6.97%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y10.07%
Revenue growth 5Y6.82%
Sales Q2Q%5.1%
Revenue Next Year3.23%
Revenue Next 2Y4.07%
Revenue Next 3Y4.17%
Revenue Next 5Y5.7%
EBIT growth 1Y13.6%
EBIT growth 3Y13.84%
EBIT growth 5Y18.53%
EBIT Next Year18.08%
EBIT Next 3Y7.51%
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%