AMERIPRISE FINANCIAL INC (AMP) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:AMP • US03076C1062
542.99 USD
+7.97 (+1.49%)
At close: Feb 6, 2026
542.99 USD
0 (0%)
After Hours: 2/6/2026, 8:17:44 PM
Taking everything into account, AMP scores 5 out of 10 in our fundamental rating. AMP was compared to 238 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 is not valued too expensively and it also shows a decent growth rate.
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.
- In the past 5 years AMP has always been profitable.
- AMP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- AMP's Return On Assets of 1.91% is in line compared to the rest of the industry. AMP outperforms 41.18% of its industry peers.
- With an excellent Return On Equity value of 56.17%, AMP belongs to the best of the industry, outperforming 98.32% of the companies in the same industry.
- AMP has a worse Return On Invested Capital (2.39%) than 62.18% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for AMP is significantly below the industry average of 7.28%.
- The 3 year average ROIC (2.27%) 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)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
1.3 Margins
- Looking at the Profit Margin, with a value of 19.59%, AMP is in line with its industry, outperforming 53.36% of the companies in the same industry.
- AMP's Profit Margin has improved in the last couple of years.
- AMP's Operating Margin of 30.50% is fine compared to the rest of the industry. AMP outperforms 60.50% of its industry peers.
- In the last couple of years the Operating Margin of AMP has grown nicely.
- With a Gross Margin value of 52.46%, AMP perfoms like the industry average, outperforming 59.66% of the companies in the same 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 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
2. Health
2.1 Basic Checks
- AMP has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for AMP has been reduced compared to 5 years ago.
- The debt/assets ratio for AMP has been reduced compared to a year ago.
2.2 Solvency
- AMP has an Altman-Z score of 0.48. This is a bad value and indicates that AMP is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.48, AMP is in line with its industry, outperforming 40.34% of the companies in the same industry.
- AMP has a debt to FCF ratio of 6.74. This is a slightly negative value and a sign of low solvency as AMP would need 6.74 years to pay back of 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 65.97% of the companies in the same industry.
- AMP has a Debt/Equity ratio of 6.12. This is a high value indicating a heavy dependency on external financing.
- AMP's Debt to Equity ratio of 6.12 is on the low side compared to the rest of the industry. AMP is outperformed by 86.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.12 | ||
| Debt/FCF | 6.74 | ||
| Altman-Z | 0.48 |
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 worse Current ratio (0.68) than 67.23% of its industry peers.
- AMP has a Quick 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 worse Quick ratio (0.68) than 66.81% 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 13.71% 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 18.46% yearly.
- Looking at the last year, AMP shows a small growth in Revenue. The Revenue has grown by 5.49% in the last year.
- AMP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.60% yearly.
EPS 1Y (TTM)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%
3.2 Future
- The Earnings Per Share is expected to grow by 5.34% on average over the next years.
- Based on estimates for the next years, AMP will show a small growth in Revenue. The Revenue will grow by 3.81% on average per year.
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.81, the valuation of AMP can be described as correct.
- AMP's Price/Earnings ratio is in line with the industry average.
- AMP is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 12.73, AMP is valued correctly.
- Based on the Price/Forward Earnings ratio, AMP is valued a bit cheaper than 60.08% of the companies in the same industry.
- AMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | 12.73 |
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 82.77% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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)1.62
PEG (5Y)0.75
EPS Next 2Y8.31%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.20%, AMP has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.08, AMP is paying slightly less dividend.
- AMP's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
5.2 History
- The dividend of AMP is nicely growing with an annual growth rate of 8.56%!
- 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
- 16.30% of the earnings are spent on dividend by AMP. This is a low number and 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 2Y8.31%
EPS Next 3Y8.1%
542.99
+7.97 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-22 2026-04-22/amc
Inst Owners89.11%
Inst Owner Change-2.52%
Ins Owners0.2%
Ins Owner Change0.43%
Market Cap50.45B
Revenue(TTM)18.91B
Net Income(TTM)3.63B
Analysts73.68
Price Target575.57 (6%)
Short Float %3.08%
Short Ratio4.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
Yearly Dividend5.85
Dividend Growth(5Y)8.56%
DP16.3%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-09 2026-02-09 (1.6)
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)0.41%
PT rev (3m)-1.78%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)2.53%
EPS NY rev (1m)0.25%
EPS NY rev (3m)1.72%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)1.68%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | 12.73 | ||
| P/S | 2.73 | ||
| P/FCF | 8.61 | ||
| P/OCF | 8.36 | ||
| P/B | 7.82 | ||
| P/tB | 7.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.31
EY7.24%
EPS(NY)42.66
Fwd EY7.86%
FCF(TTM)63.08
FCFY11.62%
OCF(TTM)64.98
OCFY11.97%
SpS199.26
BVpS69.48
TBVpS69.48
PEG (NY)1.62
PEG (5Y)0.75
Graham Number247.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 56.17% | ||
| ROCE | 3.68% | ||
| ROIC | 2.39% | ||
| ROICexc | 2.52% | ||
| ROICexgc | 5.9% | ||
| OM | 30.5% | ||
| PM (TTM) | 19.59% | ||
| GM | 52.46% | ||
| FCFM | 31.66% |
ROA(3y)1.73%
ROA(5y)1.68%
ROE(3y)57.84%
ROE(5y)57.45%
ROIC(3y)2.27%
ROIC(5y)2.03%
ROICexc(3y)2.38%
ROICexc(5y)2.13%
ROICexgc(3y)5.38%
ROICexgc(5y)5.03%
ROCE(3y)3.56%
ROCE(5y)3.14%
ROICexgc growth 3Y13.57%
ROICexgc growth 5Y15.78%
ROICexc growth 3Y13.22%
ROICexc growth 5Y20.88%
OM growth 3Y9.4%
OM growth 5Y13.1%
PM growth 3Y1.84%
PM growth 5Y7.99%
GM growth 3Y1.11%
GM growth 5Y3.16%
F-Score8
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 | 0.48 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.71%
EPS 3Y16.04%
EPS 5Y18.46%
EPS Q2Q%15.71%
EPS Next Y8.53%
EPS Next 2Y8.31%
EPS Next 3Y8.1%
EPS Next 5Y5.34%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y9.64%
Revenue growth 5Y9.6%
Sales Q2Q%10.15%
Revenue Next Year5.2%
Revenue Next 2Y4.8%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y21.6%
EBIT growth 3Y19.95%
EBIT growth 5Y23.96%
EBIT Next Year17.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.74%
OCF growth 3YN/A
OCF growth 5YN/A
AMERIPRISE FINANCIAL INC / AMP FAQ
What is the ChartMill fundamental rating of AMERIPRISE FINANCIAL INC (AMP) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AMP.
What is the valuation status for AMP stock?
ChartMill assigns a valuation rating of 5 / 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 13.81 and the Price/Book (PB) ratio is 7.82.
How financially healthy is AMERIPRISE FINANCIAL INC?
The financial health rating of AMERIPRISE FINANCIAL INC (AMP) is 3 / 10.