Ameriprise Financial Inc (AMP)
Financials · Asset Management & Custody Banks · US stock · S&P 500 component
$496.83
▲ +6.32 (1.29%)
Fair valueFair
$574 +15.5% to fair value
$287fair band $488–$695$861
Day's range
$486.14 – $498.19
52-week range
$422.37 – $572.56
About Ameriprise Financial Inc
Ameriprise Financial provides wealth management, asset management and insurance and annuity products. Its network of financial advisors serves individual clients with planning, investment accounts and retirement services, while its asset management arm offers funds and strategies under the Columbia Threadneedle name. The company earns fees tied to client assets and advice, plus spread and premium income from insurance and annuity products. Market levels therefore have a strong influence on its results.
Sales came to $19.8 billion in the last twelve months, having expanded at 9.7% a year across the last three years. Its operating margin came to 25.5%. The company pays a dividend, yielding 1.3%. On the site's X-Ray Score it receives 67 out of 100. These figures describe past results and say nothing certain about the future.
Price chart
52-wk range $422.37 – $572.56Volume 429,144Daily, split-adjusted
Vitals
Market cap$46.2B
52-week range$422.37 – $572.56
Volume (last day)429,144
P/E (TTM)12.1
EBIT / EV yield14.4%
Free-cash-flow yield17.5%
Dividend yield1.3%
Revenue (TTM)$19.8B
Net income (TTM)$3.9B
Operating margin25.5%
Return on capital–
Debt incl. leasesData missing
Cash & securities$11.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$574middle half of models $502 – $548
Fair
+15.5% to fair value
Average of the 5 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $497
Undervalued < $488Fair $488 – $695Overvalued > $695
P/E multiple
$502
P/B multiple
$518
P/S multiple
$548
Dividend discount, stable
$471
Dividend discount, multi-stage
$830
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Strong
84/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield14.4%
Free-cash-flow yield17.5%
Fair value vs price1.2×
Growth
Fair
55/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)9.7%
EPS growth (3y)9.4%
Growth consistency100%
Profitability
Fair
60/100
Returns on capital are typical for its sector.
See the numbers →
Operating margin25.5%
Financial health
Strong
73/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Piotroski F-Score8 / 9
Interest coverNo interest cost
Dividends
Fair
58/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.3%
Dividends vs free cash flow8%
Dividend growth3.7%
Quarterly results: last 6 quarters
+3.6%
Mar '25
+2.2%
Jun '25
+7.3%
Sep '25
+8.6%
Dec '25
+9.0%
Mar '26
+11.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $5.0B, diluted EPS $11.98.
Compare with peers
APO Apollo Global Manageme...60 BX Blackstone Inc.53 STT State Street Corp50 TROW Price T Rowe Group Inc45Other Asset Management & Custody Banks companies by X-Ray Score.
SWOT analysis: Ameriprise Financial Inc
Strengthsinside the company
- Free cash flow equals 17.5% of the market value, which funds dividends, buybacks or debt paydown.
- Operating profit covers interest 50x, so debt costs are a small drag.
- Passes 8 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.
Weaknessesinside the company
- No clear weakness in the figures we track.
Opportunitiesvaluation and setting
- Dividends use only 8% of free cash flow, which leaves room to raise them.
- Trades at 11.7x earnings, 35% below the 18.0x median of industry peers.
- Our Market Compass rates the backdrop for Financials as favourable.
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare AMP with peers and sector
Medians of 9 Asset Management & Custody Banks peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): BLK 34, BNY 44, BX 53, APO 60, STT 50, NTRS 41.
| Metric | AMP | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 67 | 44 | 50 |
| Valuation | 84 | 41 | 52 |
| Growth | 55 | 49 | 54 |
| Profitability | 60 | 44 | 48 |
| Financial health | 73 | 43 | 50 |
| Dividends | 58 | 42 | 54 |
Sector leaders: highest X-Ray Score in Financials
AMP ranks #3 of 71 in Financials and #1 of 10 in Asset Management & Custody Banks by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for AMP
Each factor is rated by where AMP stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 2 Good · 5 Average · 1 Bad of 8
Growth: 0 · 3 · 0
Profitability: 1 · 1 · 0
Valuation: 1 · 1 · 1
| Factor | AMP | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +9.7% | Average beats 61% | +8.3% | – | – |
| Revenue growth, last year | +5.5% | Average beats 36% | +6.9% | +11.4% | ▼ Worse |
| EPS growth, 3 years a year | +9.4% | Average beats 35% | +12.7% | – | – |
| Profitability | |||||
| Net margin | 19.9% | Average beats 48% | 21.8% | 19.0% | ≈ In line |
| Return on equity | 62.0% | Good beats 95% | 15.7% | 65.1% | ≈ In line |
| Valuation | |||||
| P/E ratio | 11.7x | Good beats 67% | 13.8x | 13.5x | ▲ Better |
| Price / book | 7.3x | Bad beats 8% | 2.2x | 8.7x | ▲ Better |
| Price / sales | 2.3x | Average beats 61% | 3.1x | 2.5x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 8 Good · ● 3 Average · ● 0 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Average
Free-cash-flow growth (3y)Good
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 67/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $13.4B | $14.3B | $16.1B | $17.9B | $18.9B |
| Operating income | $4.2B | $3.9B | $3.2B | $4.3B | $4.5B |
| Net income | $3.4B | $3.1B | $2.6B | $3.4B | $3.6B |
| Operating cash flow | $3.3B | $4.4B | $4.7B | $6.6B | $8.3B |
| Operating margin | 31.3% | 27.4% | 20.1% | 23.8% | 23.8% |
| Free cash flow | $3.2B | $4.2B | $4.5B | $6.4B | $8.2B |
| Diluted EPS | $28.48 | $27.70 | $23.71 | $33.05 | $36.28 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
5 bullish · 4 neutral · 7 bearish
Weekly
Neutral
5 bullish · 1 neutral · 6 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 494.8 | Bullish |
| EMA 10 | 494.2 | Bullish |
| SMA 20 | 494.7 | Bullish |
| EMA 20 | 500.0 | Bearish |
| SMA 50 | 527.9 | Bearish |
| EMA 50 | 512.9 | Bearish |
| SMA 100 | 513.8 | Bearish |
| EMA 100 | 510.3 | Bearish |
| SMA 200 | 491.1 | Bullish |
| EMA 200 | 500.1 | Bearish |
Oscillators (daily)
| RSI (14) | 45.00 | Neutral |
| MACD (12, 26) | -9.04 | Bearish |
| Momentum (12) | 0.04 | Bullish |
| Stochastic %K (14) | 56.86 | Neutral |
| Williams %R (14) | -43.14 | Neutral |
| CCI (20) | -11.60 | Neutral |
Pivot points (classic, last session)
S3 477.2 | S2 481.7 | S1 489.2 | Pivot 493.7 | R1 501.3 | R2 505.8 | R3 513.3 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
6.60 USD
Yield on today's price
1.33%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 1.7000 | |
| 1.7000 | |
| 1.6000 | |
| 1.6000 | |
| 1.6000 | |
| 1.6000 | |
| 1.4800 | |
| 1.4800 | |
| 1.4800 | |
| 1.4800 | |
| 1.3500 | |
| 1.3500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold AMP
| ETF | Share of the fund |
|---|---|
| FTCS First Trust Capital Strength | 2.03% |
| RDVI FT Cboe Vest Rising Dividend Achievers... | 1.46% |
| RDVY First Trust Rising Dividend Achievers | 1.22% |
| IYF iShares U.S. Financials | 0.75% |
| DUHP DFA Investment Dimensions Group Inc. | 0.74% |
| VOE Vanguard Mid-Cap Value | 0.72% |
| SPHQ Invesco S&P 500 Quality | 0.71% |
| AVLV Avantis U.S. Large Cap Value | 0.66% |
The eight funds with the largest weight in AMP among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
AMP SEC filings
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Other events
424B5SEC EDGAR
424B5
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Shareholder vote results
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.