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⚠️ Not investment advice. Past performance does not guarantee future results.
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Ameriprise Financial AMP

United States Financial Services
6.6/10
AI Analyst score
493.00 USD
Last price at analysis date · analyst target 579.45 (+17.5%)
🛒 Where to buy AMPPartner brokers · US (NYSE/Nasdaq) · sample 200.00 € orderUS (NYSE/Nasdaq)
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🟡 HOLD — Hold or buy on dips: the combination of reasonable valuation, high profitability, and a tailwind from higher rates makes it a solid option within the financial sector.

Ameriprise Financial is a US financial services company offering wealth management, financial advice, and insurance and retirement products through a network of advisors, generating revenue from fees and commissions. Ameriprise shows exceptional financial health (ROE 63.43%) and attractive valuation (P/E 11.91, forward P/E 9.54), with solid revenue and earnings growth (11.60% and 11.70%). The rise in Treasury yields reinforces its insurance and wealth management business, although the dividend yield is modest (1.38%).

Financial health
7.6
Quality / Moat
8.0
Valuation
6.4
Growth
6.8
Dividend
4.6
Momentum
6.5
Risk & Context
5.7

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E11.91
Fwd P/E9.54
EV/EBITDAN/D
P/B6.85
P/S2.20
PEG1.39
Market cap43.55 B USD
Enterprise value37.55 B USD
🏰 Quality and moat
ROIC (approx.)57.1%
Gross margin54.93%
FCF conversionN/D
Operating margin30.72%
📈 Profitability and margins
ROE63.43%
ROA2.28%
Net margin19.90%
FCF2.90 B USD
FCF yield6.67%
🏦 Solvency and liquidity
Total debt4.30 B USD
Net debt-6.00 B USD
Cash10.30 B USD
EBITDAN/D
Net debt / EBITDAN/D
D/E67.58
Current ratio2.18
Quick ratio1.31
🚀 Growth
Revenue growth11.60%
Earnings growth11.70%
EPS (TTM)41.41 USD
EPS (Fwd)51.67 USD
💰 Dividend and risk
Dividend yield1.38%
Payout15.7%
Beta1.13
Analyst consensusBuy (11)
Target price579.45 USD
52-week range422.37 USD – 572.56 USD
⚠️ Main risk: The main risk is the sensitivity of its investment portfolio to a sharp change in interest rates or a credit event affecting markets, which could impact its results and valuation.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Ameriprise Financial is a US financial services company offering wealth management, financial advice, and insurance and retirement products through a network of advisors, generating revenue from fees and commissions. Ameriprise shows exceptional financial health (ROE 63.43%) and attractive valuation (P/E 11.91, forward P/E 9.54), with solid revenue and earnings growth (11.60% and 11.70%). The rise in Treasury yields reinforces its insurance and wealth management business, although the dividend yield is modest (1.38%).

Score by category

CategoryScore
Financial health7.6
Quality / Moat8.0
Valuation6.4
Growth6.8
Dividend4.6
Momentum6.5
Risk & Context5.7

OVERALL SCORE: 6.6/10

Context and risks

Ameriprise is a US wealth manager and insurer with no material exposure to shipping routes, tariffs, or emerging jurisdictions. The regulatory risk of the US financial sector is moderate and already reflected in the base score.

News considered in the analysis

  • Higher Treasury Yields Are Reshaping RGA Stock And Other U.S. Insurance Plays — El alza de los rendimientos del Tesoro amplía el margen de intermediación y el retorno de la cartera de inversiones de Ameriprise, un viento a favor para su negocio de seguros y jubilación.
  • Edward Jones Wins $4.8 Million Award in Dispute With Ameriprise — La sentencia de 4,8 millones de dólares es materialmente irrelevante para una empresa del tamaño de Ameriprise y ya está descontada en el precio.
  • LPL Financial, Northern Trust, Ameriprise Financial, Morgan Stanley, and Paymentus Stocks Trade Down, What You Need To Know — Titular genérico sobre caídas del sector sin información específica sobre Ameriprise.
  • AMP vs. PS: Which Stock Is the Better Value Option? — Comparativa genérica de valoración sin información nueva.
  • 3 Financial Stocks Benefiting From Higher Cash Yields and Money Market Demand — Confirma el viento a favor de los tipos altos para Ameriprise, que se beneficia de mayores rendimientos de efectivo y demanda de fondos del mercado monetario.

Verdict: Hold or buy on dips: the combination of reasonable valuation, high profitability, and a tailwind from higher rates makes it a solid option within the financial sector.

Main risk: The main risk is the sensitivity of its investment portfolio to a sharp change in interest rates or a credit event affecting markets, which could impact its results and valuation.

Other Financial Services companies

Neighbours in the sector ranking, to compare without going back to the index.

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.