Stock Analysis
Ameriprise Financial, Inc.AMP
P/E 11.20×· 5Y range 7.92–23.72×· bottom 14% of history
Sector: Financial Services · Industry: Investment Advice
AnalystsBuy20 analystsP/E 11.2× sits at the 14th percentile of its 5.089664613278576-year history.
Cash covers 239% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Profitability95
- Quality72
High-quality business at an attractive price.
Bull Case
- ✓ROE 62.0% — efficient capital deployment
- ✓P/E 11.2× at bottom 14% of 5-year history
What's happening with AMP
Profile
Strong valuation, profitability and moat.
How is each axis scored?
- Valuation95/100 · Strong
- P/E vs own history (14th pct)25/25
- FCF yield (18.2%)25/25
- P/S (2.2x)20/25
- EV/EBIT (6.6x)25/25
- Growth56/100 · Moderate
- Revenue CAGR (8.9%)12/25
- Net income CAGR (6.6%)12/25
- EPS CAGR 5Y (12.1%)20/25
- Fwd implied growth (7.7%)12/25
- Profitability95/100 · Strong
- ROIC (1246.7%)25/25
- ROE (62.0%)25/25
- Net margin (19.9%)20/25
- Operating margin (29.4%)25/25
- Financial Health63/100 · Moderate
- Altman Z (0.60)3/25
- Current ratio (2.18)25/25
- Interest coverage (4.4x)10/25
- Net cash / debt (Net cash)25/25
- Quality72/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.36)20/25
- FCF conversion (204%)25/25
- Margin stability (σ 11.1%)12/25
- Moat81/100 · Strong
- ROIC >12% years (9/9 yrs)25/25
- Median gross margin (21.3%)6/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 11.2%)25/25
Risk Flags
- ⚠Altman Z 0.6 — distress-zone balance sheet
About Ameriprise Financial, Inc.
Ameriprise Financial has evolved into a diversified financial services provider that generates roughly 65% of its operating profit from advice and wealth management. Show more
With nearly $1.2 trillion in segment assets under management and advisory at year-end 2025, and with roughly 10,600 affiliated and employee advisors, Ameriprise is one of the larger US-based wealth managers. It also boasts a reasonably large asset management franchise in Columbia Threadneedle, which boasted $678 billion in assets under management at year-end 2025. The firm's third segment is its retirement and protection services business, which sells insurance products to the firm's advisory clients. After eliminations, Ameriprise had $1.69 trillion in assets under management and advisory across segments at year-end 2025.
Headquarters: MINNEAPOLIS, MN · Employees: 13,600 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
95A+P/E (TTM)11.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.9x–23.7x · 14th pct
P/FCF5.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield18.2%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -5.2%–18.9% · highest in history
P/S (TTM)2.23xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.9x–3.4x · 10th pct
EV/EBIT6.6xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.7x–19.8x · 2nd pct
EV/Sales3.7xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio6.95xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.77A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.36%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio15.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
95A+ROIC1246.7%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE62.0%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA2.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin19.9%A
Grade A: HighNet Income / Revenue
Operating Margin29.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin27.2%D
Grade D: LowGross Profit / Revenue
FCF Margin40.6%A
Grade A: HighFCF / Revenue
True FCF Margin39.6%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
56CRevenue CAGR8.9%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR6.6%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)12.1%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth7.7%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-27.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income5.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.0%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
63BAltman Z-Score0.60D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.18xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio0.71xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.4xC
Grade C: OkEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.68xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.39xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
72B+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.36A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion204.3%A
Grade A: StrongFCF / Net Income
Margin Stability11.1%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.8%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.10xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Brockman Dawn M. Filed | Brockman Dawn M. | SellOpen market sale | -472 | |
MELLOH HEATHER J. Filed | MELLOH HEATHER J. | Option exercise | -722 | |
MELLOH HEATHER J. Filed | MELLOH HEATHER J. | Tax withholding | -469 | |
MELLOH HEATHER J. Filed | MELLOH HEATHER J. | Option exercise | +722 | |
McGraw Deirdre Davey Filed | McGraw Deirdre Davey | Option exercise | -1000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
McGraw Deirdre Davey Filed | McGraw Deirdre Davey | SellOpen market sale | -2400 | |
McGraw Deirdre Davey Filed | McGraw Deirdre Davey | Tax withholding | -2191 | |
McGraw Deirdre Davey Filed | McGraw Deirdre Davey | Option exercise | +1.0K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
81AROIC >12% Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)21.3%D
Grade D: WeakMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor11.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$44.69
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$115.86
Cash & short-term investments per share (Finnhub)
Book Value / Share$71.97
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.30B
Total debt obligations (short + long term)
Cash & Equiv.$10.30B
Cash and short-term investments
Net Debt$-6.00BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$6.37B
Shareholders' equity (book value)
Asset / Liability1.03xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$44.25B
Current Market Capitalization
Beta1.14B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Ameriprise Financial, Inc. (AMP)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Ameriprise Financial, Inc.. Altman Z-Score of 0.60 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.36 suggests a low likelihood of earnings manipulation. Ameriprise Financial, Inc. converts about 41% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
- At a valuation score of 95/100, AMP trades near the cheapest end of its own historical range (P/E 11.2).
- Return on equity of 62.0% is well above the market average.
See how AMP ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all AMP moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 24 | Regular | 479.68 | -4.60% | -2.61 |
| Sep 24 | After-hours | 481.30 | -4.27% | -2.40 |
| Sep 22 | Regular | 514.43 | -3.97% | -3.02 |
| Sep 22 | After-hours | 512.37 | -4.36% | -3.34 |
Frequently Asked Questions about AMP
What is the current Ameriprise Financial, Inc. (AMP) stock price?
AMP is trading at $500.80 at the last market close, down 0.35% on the session. PreMarketPrice tracks AMP pre-market, intraday and after-hours prices.
Is AMP stock a buy right now?
PreMarketPrice's quantitative model rates Ameriprise Financial, Inc.'s financial health at 63/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is AMP stock overvalued?
Ameriprise Financial, Inc. trades at a trailing P/E of 11.2 and our valuation score rates it 95/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Ameriprise Financial, Inc. report earnings?
No confirmed earnings date is currently scheduled for AMP. The Earnings section lists recent reports and updates as dates are announced.
What sector does Ameriprise Financial, Inc. operate in?
Ameriprise Financial, Inc. operates in the Financial Services sector, within the Investment Advice industry. The Related Stocks section lists sector peers for comparison.
What does Ameriprise Financial, Inc. do?
Ameriprise Financial has evolved into a diversified financial services provider that generates roughly 65% of its operating profit from advice and wealth management.
About Ameriprise Financial, Inc. (AMP) Stock
Ameriprise Financial, Inc. (AMP) is a US-listed stock operating in the Financial Services sector, specifically the Investment Advice industry. As of the latest update, Ameriprise Financial, Inc. is trading at $500.80, down 0.35% on the day with a market capitalization of $44.3 billion. The financial health score for AMP is 63/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AMP stock.
AMP Stock Analysis & Key Metrics
On PreMarketPrice, you can track Ameriprise Financial, Inc. (AMP) across multiple dimensions:
- Pre-market price & movement: Real-time AMP stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AMP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Ameriprise Financial, Inc. across multiple reporting periods.
- Financial health score: A composite score of 63/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AMP.
- Sector peers: Compare AMP against 6 other financial services stocks on key financial metrics.
Is AMP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Ameriprise Financial, Inc. (AMP) as an investment. The financial health score of 63/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Ameriprise Financial, Inc. (AMP) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.