AMP Ameriprise Financial, Inc. - Fundamental Analysis
AI Analysis
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Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
AMP trades at a steep discount on earnings despite premium margins, suggesting undervaluation; peers like MSCI trade at P/E 35.84 despite lower growth, highlighting AMP’s relative value appeal.
- P/E of 12.59 is 45% below sector average of 23.12
- Forward P/E of 11.86 implies further multiple contraction is already priced in
- Price/Book of 6.61 is elevated, reflecting intangible-heavy asset management model
- Price/Sales of 2.31 exceeds most peers, limiting upside from revenue multiple expansion
While earnings are accelerating, revenue growth remains modest; however, price momentum shows signs of stabilization after a sharp correction, with recent declines slowing from -12% (6M) to -4.5% (1M).
- YoY earnings growth of 86.6% and Q/Q EPS growth of 8.3% signal strong momentum
- Analyst target price implies 16.4% upside, indicating strong forward expectations
- Revenue growth of 7.3% is below sector average of 20.92%, limiting top-line narrative
- Lack of Q/Q revenue data hampers near-term growth visibility
AMP has a strong track record of earnings delivery and margin expansion over 5Y (+165.9% return), though recent underperformance suggests sentiment lagging fundamentals.
- 21 of last 25 quarters beat EPS estimates, with 7 surprises >5%
- ROE has consistently exceeded 50% over recent years, reflecting durable profitability
- Two double-digit negative surprises in 2024 (Q1: -6.4%, Q2: -9.2%) indicate occasional volatility
- 1Y price return of -17.4% underperforms both sector and broader market
AMP maintains a conservative capital structure with strong liquidity, outperforming highly leveraged peers like MET (1.64) and PRU (1.49) on balance sheet safety.
- Debt/Equity of 0.54 is well below sector average of 0.79, reducing leverage risk
- Current Ratio of 2.43 and Quick Ratio of 1.55 indicate strong short-term liquidity
- Missing Total Debt and Cash figures limits full solvency assessment
- No ROIC data prevents full capital efficiency triangulation
While the dividend yield is not a primary draw, the extremely low payout ratio underscores financial strength and room for future increases, aligning with long-term shareholder returns.
- Dividend yield of 1.40% is modest but supported by ultra-low payout ratio of 16.95%
- Low payout ratio provides high visibility for future dividend growth
- Yield is below sector average, limiting appeal to income-focused investors
- Lack of 5Y average yield data obscures dividend policy consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AMP and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AMP
Ameriprise Financial, Inc.
Primary
|
+165.9% | +47.8% | -17.4% | -12.0% | -4.5% | -0.4% |
|
MSCI
MSCI Inc.
Peer
|
+49.6% | +16.3% | -5.3% | -0.6% | +3.2% | -2.7% |
|
AIG
American International Group, Inc.
Peer
|
+127.0% | +37.3% | +4.9% | -6.8% | -4.3% | +1.1% |
|
PRU
Prudential Financial, Inc.
Peer
|
+80.8% | +15.1% | -10.6% | +2.4% | +3.9% | +0.8% |
|
ACGL
Arch Capital Group Ltd.
Peer
|
+175.6% | +73.1% | -2.8% | -2.2% | +3.3% | +3.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AMP
Ameriprise Financial, Inc.
|
BULLISH | $42.68B | 12.59 | 59.6% | 19.6% | $458.0 | |
|
MSCI
MSCI Inc.
|
BULLISH | $43.08B | 35.84 | -% | 40.0% | $565.15 | |
|
AIG
American International Group, Inc.
|
NEUTRAL | $42.28B | 13.98 | 7.7% | 12.0% | $77.75 | |
|
PRU
Prudential Financial, Inc.
|
NEUTRAL | $37.74B | 14.68 | 8.5% | 4.5% | $107.16 | |
|
ACGL
Arch Capital Group Ltd.
|
BULLISH | $33.64B | 8.67 | 17.8% | 21.0% | $92.52 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-09-04 | MELLOH HEATHER J. | General Counsel | Sale | 1,500 | $768,502 |
| 2025-08-19 | TRUSCOTT WILLIAM FREDRICK | Officer | Option Exercise | 28,546 | $4,721,794 |
| 2025-08-19 | TRUSCOTT WILLIAM FREDRICK | Officer | Sale | 9,929 | $5,032,934 |
| 2025-08-13 | SHARPE ROBERT FRANCIS JR | Director | Gift | 98 | - |
| 2025-07-10 | TRUSCOTT WILLIAM FREDRICK | Officer | Stock Award | 529 | - |
| 2025-07-10 | SMYTH GERARD P | Chief Technology Officer | Stock Award | 203 | - |
| 2025-07-10 | BROCKMAN DAWN M | Officer | Stock Award | 25 | - |
| 2025-07-10 | SWEENEY JOSEPH EDWARD | Officer | Stock Award | 309 | - |
Wall Street Analysts
Professional analyst ratings and price targets