AMP Ameriprise Financial, Inc. - Fundamental Analysis
BULLISH
AMP Stock | Fundamental Analysis & Investment Insights
NYSE
•
Financial Services
•
Asset Management
Current Price
$458.0
Analyst Target
$533.18
+16.4% Upside
52W High
$582.05
52W Low
$396.14
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
92%
Analysis Accuracy
Ameriprise Financial (AMP) presents a compelling investment opportunity, trading at a significant discount to its $533.18 analyst target price while demonstrating robust earnings momentum and industry-leading profitability. Despite near-term price underperformance (-17.4% over 1Y), the company has delivered strong YoY EPS growth of 21.9% and beat earnings estimates in 3 of the last 4 quarters, including a 20.4% surprise in Q1 2025. With a P/E of 12.59—well below the sector average of 23.12—and superior ROE of 59.59%, AMP is both undervalued and operationally efficient. Analysts unanimously recommend a 'buy,' reinforcing confidence in the stock’s recovery potential.
Key Strengths
Exceptional ROE of 59.59%—more than double the sector average of 25.19%—indicating superior capital efficiency and profitability
Attractive valuation with P/E of 12.59 vs sector average of 23.12, offering significant upside to fair value
Strong earnings growth: YoY EPS up 21.9%, Q/Q EPS up 8.3%, with consistent beat rates over the past 25 quarters
Healthy balance sheet with Debt/Equity of 0.54, below sector average of 0.79, and strong liquidity (Current Ratio: 2.43)
Low dividend payout ratio of 16.95% provides ample room for future increases and signals disciplined capital allocation
Key Risks
Recent insider selling totaling $5.8M raises concerns about management’s near-term confidence
Price/Sales of 2.31 is high relative to peers like PRU and MET, which operate below 1.5, suggesting potential multiple compression risk
Revenue growth of 7.3% lags behind sector average of 20.92%, indicating slower top-line expansion
Operating margin decline from peak levels—though still strong at 37.3%—warrants monitoring for margin sustainability
Underperformance over 1Y (-17.4%) and 6M (-12.0%) suggests negative sentiment momentum despite strong fundamentals
AI Fair Value Estimate
Based on comprehensive analysis
$533.18
+16.4% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare AMP against industry averages and similar companies
Insider Trading & Analyst Ratings
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