(AMP) Ameriprise Financial - Overview
Sector: Financial Services | Industry: Asset Management | Exchange: NYSE (USA) | Market Cap: 42.286m USD | Total Return: -44.9% in 12m
Avg Turnover: 257M
EPS Trend: 98.6%
Qual. Beats: 1
Rev. Trend: 99.0%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
Confidence
Ameriprise Financial, Inc. (AMP) is a diversified financial services provider operating across four primary segments: Advice & Wealth Management, Asset Management, Retirement & Protection Solutions, and Corporate & Other. Founded in 1894 and formerly a subsidiary of American Express, the Minneapolis-based firm manages institutional and retail capital through its global brand, Columbia Threadneedle Investments.
The company utilizes an advisor-led business model, which typically generates high levels of recurring fee-based revenue compared to traditional transaction-based brokerage models. As a participant in the Asset Management & Custody Banks sub-industry, Ameriprise relies on assets under management (AUM) levels and net inflows to drive profitability across its diverse product suite of mutual funds, ETFs, and annuities.
Investors can further evaluate these revenue streams and valuation metrics by exploring the data on ValueRay.
- Rising equity markets drive higher asset-based fees in wealth management segment
- Net interest income fluctuations impact margins within banking and cash products
- Advisor recruitment and retention rates dictate long-term market share growth
- Institutional outflows and fee compression challenge asset management revenue margins
- Regulatory shifts in fiduciary standards increase compliance costs and litigation risk
| Net Income: 3.90b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -2.82 > 1.0 |
| NWC/Revenue: -52.09% < 20% (prev 146.7%; Δ -198.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.67b > Net Income 3.90b |
| Net Debt (-2.48b) to EBITDA (4.82b): -0.51 < 3 |
| Current Ratio: 0.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (94.5m) vs 12m ago -5.50% < -2% |
| Gross Margin: 62.62% > 18% (prev 0.98%; Δ 6.16k% > 0.5%) |
| Asset Turnover: 10.55% > 50% (prev 9.76%; Δ 0.80% > 0%) |
| Interest Coverage Ratio: 14.13 > 6 (EBITDA TTM 4.82b / Interest Expense TTM 326.0m) |
| A: -0.05 (Total Current Assets 23.5b - Total Current Liabilities 33.5b) / Total Assets 184b |
| B: 0.15 (Retained Earnings 28.4b / Total Assets 184b) |
| C: 0.03 (EBIT TTM 4.61b / Avg Total Assets 182b) |
| D: 0.15 (Book Value of Equity 27.2b / Total Liabilities 178b) |
| Altman-Z'' = 0.48 = B |
| DSRI: 0.93 (Receivables 15.1b/14.8b, Revenue 19.2b/17.5b) |
| GMI: 1.57 (GM 62.62% / 98.13%) |
| AQI: 1.02 (AQ_t 0.87 / AQ_t-1 0.85) |
| SGI: 1.10 (Revenue 19.2b / 17.5b) |
| TATA: 0.01 (NI 3.90b - CFO 1.67b) / TA 184b) |
| Beneish M = -2.47 (Cap -4..+1) = BBB |
As of May 24, 2026, the stock is trading at USD 452.31 with a total of 500,610 shares traded.
Over the past week, the price has changed by -2.73%,
over one month by +10.82%,
over three months by -18.53% and
over the past year by -44.87%.
Ameriprise Financial has received a consensus analysts rating of 3.77. Therefore, it is recommended to hold AMP.
- StrongBuy: 5
- Buy: 1
- Hold: 6
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 540.8 | 19.6% |
P/E Forward = 10.7643
P/S = 2.1892
P/B = 6.7374
P/EG = 1.5604
Revenue TTM = 19.2b USD
EBIT TTM = 4.61b USD
EBITDA TTM = 4.82b USD
Long Term Debt = 5.66b USD (from longTermDebt, last fiscal year)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 5.86b USD (corrected: LT Debt 5.66b + ST Debt 200.0m) + Leases 1.00m
Net Debt = -2.48b USD (calculated: Debt 5.86b - CCE 8.34b)
Enterprise Value = 39.8b USD (42.3b + Debt 5.86b - CCE 8.34b)
Interest Coverage Ratio = 14.13 (Ebit TTM 4.61b / Interest Expense TTM 326.0m)
EV/FCF = 23.79x (Enterprise Value 39.8b / FCF TTM 1.67b)
FCF Yield = 4.20% (FCF TTM 1.67b / Enterprise Value 39.8b)
FCF Margin = 8.72% (FCF TTM 1.67b / Revenue TTM 19.2b)
Net Margin = 20.30% (Net Income TTM 3.90b / Revenue TTM 19.2b)
Gross Margin = 62.62% ((Revenue TTM 19.2b - Cost of Revenue TTM 7.17b) / Revenue TTM)
Gross Margin QoQ = 50.31% (prev 53.57%)
Tobins Q-Ratio = 0.22 (Enterprise Value 39.8b / Total Assets 184b)
Interest Expense / Debt = 5.56% (Interest Expense 326.0m / Debt 5.86b)
Taxrate = 20.02% (229.0m / 1.14b)
NOPAT = 3.69b (EBIT 4.61b * (1 - 20.02%))
Current Ratio = 0.70 (Total Current Assets 23.5b / Total Current Liabilities 33.5b)
Debt / Equity = 0.94 (Debt 5.86b / totalStockholderEquity, last quarter 6.21b)
Debt / EBITDA = -0.51 (Net Debt -2.48b / EBITDA 4.82b)
Debt / FCF = -1.48 (Net Debt -2.48b / FCF TTM 1.67b)
Total Stockholder Equity = 6.32b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.14% (Net Income 3.90b / Total Assets 184b)
RoE = 61.59% (Net Income TTM 3.90b / Total Stockholder Equity 6.32b)
RoCE = 38.44% (EBIT 4.61b / Capital Employed (Equity 6.32b + L.T.Debt 5.66b))
RoIC = 2.44% (NOPAT 3.69b / Invested Capital 151b)
WACC = 9.08% (E(42.3b)/V(48.1b) * Re(9.72%) + D(5.86b)/V(48.1b) * Rd(5.56%) * (1-Tc(0.20)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -4.86%
[DCF] Terminal Value 70.42% ; FCFF base≈3.67b ; Y1≈3.22b ; Y5≈2.60b
[DCF] Fair Price = 442.6 (EV 37.3b - Net Debt -2.48b = Equity 39.8b / Shares 89.9m; r=9.08% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 98.63 | EPS CAGR: 15.64% | SUE: 1.39 | # QB: 1
Revenue Correlation: 99.01 | Revenue CAGR: 8.08% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-06-30): EPS=10.59 | Chg30d=+1.84% | Revisions=+33% | Analysts=11
EPS next Quarter (2026-09-30): EPS=11.04 | Chg30d=+3.61% | Revisions=+33% | Analysts=10
EPS current Year (2026-12-31): EPS=44.17 | Chg30d=+3.96% | Revisions=+54% | GrowthEPS=+12.4% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=47.64 | Chg30d=+3.07% | Revisions=+47% | GrowthEPS=+7.9% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +54%