(AMP) Ameriprise Financial - Overview
Stock: Financial Planning, Mutual Funds, Insurance, Annuities, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.28% |
| Yield on Cost 5y | 3.18% |
| Yield CAGR 5y | 9.12% |
| Payout Consistency | 100.0% |
| Payout Ratio | 16.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 24.1% |
| Relative Tail Risk | -3.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.06 |
| Alpha | -15.21 |
| Character TTM | |
|---|---|
| Beta | 1.150 |
| Beta Downside | 1.277 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.39% |
| CAGR/Max DD | 0.66 |
Description: AMP Ameriprise Financial January 28, 2026
Ameriprise Financial Inc. (NYSE:AMP) is a diversified financial-services firm operating through three segments: Advice & Wealth Management, Asset Management (under the Columbia Threadneedle brand), and Retirement & Protection Solutions. The firm delivers financial planning, brokerage, insurance, annuity, and investment-management products to both retail and institutional clients in the U.S. and abroad.
Key recent metrics (as of the Q4 2025 earnings release) show total revenue of $4.2 billion, a net income of $560 million, and assets under management (AUM) of approximately $1.2 trillion, up 4 % YoY. Fee-based revenue grew 7 % driven by higher advisory assets, while net new assets reached $15 billion, reflecting continued client inflows despite a volatile equity market. The segmental operating margins were 16 % for Advice & Wealth Management, 14 % for Asset Management, and 12 % for Retirement & Protection Solutions, indicating modest but stable profitability across the business.
Sector-level drivers that materially affect AMP include the prevailing interest-rate environment (which influences net interest margins on cash-management products), equity market performance (impacting AUM growth and performance fees), and regulatory trends around fiduciary standards that can shift client preferences toward fee-based advisory services.
For a deeper dive into AMP’s valuation and risk profile, see the ValueRay analysis.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 3.56b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.61 > 0.02 and ΔFCF/TA 56.23 > 1.0 |
| NWC/Revenue: 315.0% < 20% (prev 431.4%; Δ -116.4% < -1%) |
| CFO/TA 0.63 > 3% & CFO 6.04b > Net Income 3.56b |
| Net Debt (-4.24b) to EBITDA (4.02b): -1.06 < 3 |
| Current Ratio: 19.46 > 1.5 & < 3 |
| Outstanding Shares: last quarter (96.3m) vs 12m ago -4.84% < -2% |
| Gross Margin: 73.85% > 18% (prev 0.98%; Δ 7287 % > 0.5%) |
| Asset Turnover: 19.52% > 50% (prev 9.52%; Δ 10.01% > 0%) |
| Interest Coverage Ratio: 12.81 > 6 (EBITDA TTM 4.02b / Interest Expense TTM 324.0m) |
Altman Z'' 10.00
| A: 6.09 (Total Current Assets 61.93b - Total Current Liabilities 3.18b) / Total Assets 9.65b |
| B: 2.87 (Retained Earnings 27.66b / Total Assets 9.65b) |
| C: 0.04 (EBIT TTM 4.15b / Avg Total Assets 95.53b) |
| D: 0.15 (Book Value of Equity 26.77b / Total Liabilities 184.35b) |
| Altman-Z'' Score: 49.73 = AAA |
What is the price of AMP shares?
Over the past week, the price has changed by +3.00%, over one month by +6.42%, over three months by +19.09% and over the past year by +1.53%.
Is AMP a buy, sell or hold?
- StrongBuy: 5
- Buy: 1
- Hold: 6
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the AMP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 565 | 4.1% |
| Analysts Target Price | 565 | 4.1% |
| ValueRay Target Price | 620.4 | 14.3% |
AMP Fundamental Data Overview February 01, 2026
P/E Forward = 12.8205
P/S = 2.6457
P/B = 7.3496
P/EG = 1.859
Revenue TTM = 18.65b USD
EBIT TTM = 4.15b USD
EBITDA TTM = 4.02b USD
Long Term Debt = 5.68b USD (from longTermDebt, two quarters ago)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 5.86b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.24b USD (from netDebt column, last quarter)
Enterprise Value = 44.74b USD (48.98b + Debt 5.86b - CCE 10.10b)
Interest Coverage Ratio = 12.81 (Ebit TTM 4.15b / Interest Expense TTM 324.0m)
EV/FCF = 7.63x (Enterprise Value 44.74b / FCF TTM 5.86b)
FCF Yield = 13.10% (FCF TTM 5.86b / Enterprise Value 44.74b)
FCF Margin = 31.43% (FCF TTM 5.86b / Revenue TTM 18.65b)
Net Margin = 19.10% (Net Income TTM 3.56b / Revenue TTM 18.65b)
Gross Margin = 73.85% ((Revenue TTM 18.65b - Cost of Revenue TTM 4.88b) / Revenue TTM)
Gross Margin QoQ = 52.49% (prev 52.46%)
Tobins Q-Ratio = 4.64 (Enterprise Value 44.74b / Total Assets 9.65b)
Interest Expense / Debt = 1.36% (Interest Expense 80.0m / Debt 5.86b)
Taxrate = 21.98% (284.0m / 1.29b)
NOPAT = 3.24b (EBIT 4.15b * (1 - 21.98%))
Current Ratio = 19.46 (Total Current Assets 61.93b / Total Current Liabilities 3.18b)
Debt / Equity = 0.90 (Debt 5.86b / totalStockholderEquity, last quarter 6.55b)
Debt / EBITDA = -1.06 (Net Debt -4.24b / EBITDA 4.02b)
Debt / FCF = -0.72 (Net Debt -4.24b / FCF TTM 5.86b)
Total Stockholder Equity = 6.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.73% (Net Income 3.56b / Total Assets 9.65b)
RoE = 58.14% (Net Income TTM 3.56b / Total Stockholder Equity 6.13b)
RoCE = 35.15% (EBIT 4.15b / Capital Employed (Equity 6.13b + L.T.Debt 5.68b))
RoIC = 26.97% (NOPAT 3.24b / Invested Capital 12.01b)
WACC = 9.18% (E(48.98b)/V(54.84b) * Re(10.15%) + D(5.86b)/V(54.84b) * Rd(1.36%) * (1-Tc(0.22)))
Discount Rate = 10.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.95%
[DCF Debug] Terminal Value 75.08% ; FCFF base≈6.79b ; Y1≈7.30b ; Y5≈8.95b
Fair Price DCF = 1426 (EV 125.92b - Net Debt -4.24b = Equity 130.16b / Shares 91.3m; r=9.18% [WACC]; 5y FCF grow 8.52% → 2.90% )
EPS Correlation: 92.72 | EPS CAGR: 17.16% | SUE: 1.22 | # QB: 1
Revenue Correlation: 96.08 | Revenue CAGR: 9.21% | SUE: 4.0 | # QB: 2
EPS next Quarter (2026-03-31): EPS=10.31 | Chg30d=+0.164 | Revisions Net=+0 | Analysts=9
EPS current Year (2026-12-31): EPS=42.04 | Chg30d=+0.485 | Revisions Net=+2 | Growth EPS=+7.0% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=45.50 | Chg30d=+1.121 | Revisions Net=+2 | Growth EPS=+8.2% | Growth Revenue=+4.5%