Ameriprise Financial (AMP) AI Stock Analysis

• Market Cap: $42.13B
• Dividend Yield: 1.38%
• Average Volume (3M): 655.57K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 1.17
• Revenue Growth: 5.76%
• EPS Growth: 39.77%
• Country: US
• Employees: 13,600
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 9.92
• Shares Outstanding: 92,905,716
• 10 Day Avg. Volume: 704,834
• 30 Day Avg. Volume: 655,571
• PEG Ratio: 0.40
• Price to Book (P/B): 10.29
• Price to Sales (P/S): 3.00
• P/FCF Ratio: 8.38
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 2.39
• Enterprise Value/Gross Profit: 4.29
• Enterprise Value/Ebitda: 35.11
• 1Y Price Target: $549.88
• Price Target Upside: 21.26% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9
• EPS Forecast (FY): 38.71
• Revenue Forecast (FY): $18.39B

• Rating: 64 Neutral
• Price Target: $486.00 ▲(7.17% Upside)

Ameriprise Financial's overall stock score is driven by strong earnings call performance and reasonable valuation. However, financial performance is hindered by negative revenue and margins, and technical indicators suggest a bearish trend. The company's resilience and strategic focus on growth and efficiency are positive factors, but market volatility and competitive pressures remain challenges.

Positive Factors

Record Asset Growth

The significant growth in assets under management indicates a strong market position and increased client trust, which supports long-term revenue growth and stability.

Strong Cash Flow

Robust cash flow generation enhances liquidity and operational efficiency, providing the company with the flexibility to invest in growth opportunities and withstand economic fluctuations.

High Client Satisfaction

High client satisfaction reflects strong service quality and client retention, which are crucial for sustaining long-term revenue and competitive advantage in the financial services industry.

Negative Factors

Negative Revenue and Margins

Negative revenue and margins highlight inefficiencies or high costs, which can undermine profitability and limit the company's ability to invest in growth and innovation.

Advisor Departures

Advisor departures can disrupt client relationships and revenue streams, posing a risk to the company's growth and market position if not addressed promptly.

Net Outflows in Asset Management

Continued net outflows in asset management suggest challenges in retaining assets, which could pressure revenue and profitability if the trend persists.

Ameriprise Financial Business Overview & Revenue Model

Company Description

Ameriprise Financial, Inc., through its subsidiaries, provides various financial products and services to individual and institutional clients in the United States and internationally. It operates through four segments: Advice & Wealth Management, Asset Management, Retirement & Protection Solutions, and Corporate & Other. The Advice & Wealth Management segment provides financial planning and advice; brokerage products and services for retail and institutional clients; discretionary and non-discretionary investment advisory accounts; mutual funds; insurance and annuities products; cash management and banking products; and face-amount certificates. The Asset Management segment offers investment management and advice, and investment products to retail, high net worth, and institutional clients through unaffiliated third-party financial institutions and institutional sales force. This segment products also include U.S. mutual funds and their non-U.S. equivalents, exchange-traded funds, variable product funds underlying insurance, and annuity separate accounts; and institutional asset management products, such as traditional asset classes, separately managed accounts, individually managed accounts, collateralized loan obligations, hedge funds, collective funds, and property and infrastructure funds. The Retirement & Protection Solutions segment provides variable annuity products to individual clients, as well as life and DI insurance products to retail clients. The company was formerly known as American Express Financial Corporation and changed its name to Ameriprise Financial, Inc. in September 2005. Ameriprise Financial, Inc. was founded in 1894 and is headquartered in Minneapolis, Minnesota.

How the Company Makes Money

Ameriprise Financial generates revenue primarily through fees and commissions associated with its financial advisory services, asset management, and insurance products. The Advice & Wealth Management segment earns fees from financial planning services and commissions from investment products sold by advisors. The Asset Management segment derives revenue from management fees charged on mutual funds and institutional investment products. Additionally, the Annuities segment generates income through the sale of annuity products, which include fees for asset management and mortality risk. Significant partnerships with financial advisors and institutions also contribute to its earnings by expanding its client base and service offerings.

Ameriprise Financial Financial Statement Overview

Summary

Ameriprise Financial faces challenges in its income statement with negative revenue and margins, impacting overall profitability. The balance sheet is stable with manageable leverage, but declining return on equity is a concern. Strong cash flow performance provides a positive outlook, suggesting good liquidity and operational efficiency, which can help mitigate income statement weaknesses.

Income Statement

The income statement shows negative revenue and margins, indicating significant challenges in profitability. The company has experienced declining revenue growth, with a negative trend in the TTM period. Despite a positive EBIT and EBITDA, the margins are negative, highlighting inefficiencies or high costs relative to revenue.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio, suggesting manageable leverage. However, the return on equity has decreased over time, indicating declining efficiency in generating returns from equity. The equity ratio is stable, showing a balanced asset structure.

Cash Flow

The cash flow statement is strong, with positive free cash flow growth and high operating cash flow to net income ratio. This indicates good cash generation capability, which is a positive sign for liquidity and operational efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	18.49B	17.93B	16.10B	14.33B	13.39B	11.96B
Gross Profit	10.29B	10.36B	9.42B	8.90B	8.26B	5.82B
EBITDA	1.26B	4.59B	4.41B	5.33B	4.95B	2.91B
Net Income	3.63B	3.40B	2.56B	3.15B	3.42B	1.53B
Balance Sheet
Total Assets	190.09B	181.40B	175.19B	158.85B	175.91B	165.88B
Cash, Cash Equivalents and Short-Term Investments	46.86B	60.67B	59.13B	47.91B	39.30B	43.13B
Total Debt	5.88B	5.47B	5.75B	5.38B	5.20B	4.94B
Total Liabilities	183.63B	176.18B	170.46B	155.05B	169.97B	160.02B
Stockholders Equity	6.46B	5.23B	4.73B	3.80B	5.94B	5.87B
Cash Flow
Free Cash Flow	5.86B	6.42B	4.50B	4.22B	3.21B	4.48B
Operating Cash Flow	6.04B	6.59B	4.68B	4.41B	3.33B	4.62B
Investing Cash Flow	-718.00M	-551.00M	-9.26B	-13.58B	-4.38B	-2.89B
Financing Cash Flow	-5.74B	-5.17B	4.41B	8.43B	1.72B	952.00M

Ameriprise Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 453.47
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMP, the sentiment is Neutral. The current price of 453.47 is above the 20-day moving average (MA) of 453.27, below the 50-day MA of 471.95, and below the 200-day MA of 494.31, indicating a neutral trend. The MACD of -6.75 indicates Negative momentum. The RSI at 45.78 is Neutral, neither overbought nor oversold. The STOCH value of 51.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AMP.

Ameriprise Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BK	78 Outperform	$77.68B	16.07	12.21%	1.80%	4.22%	51.01%
STT	74 Outperform	$32.86B	12.45	11.14%	2.65%	5.62%	49.49%
NTRS	73 Outperform	$24.84B	15.32	13.31%	2.43%	-4.52%	7.01%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMP	64 Neutral	$42.13B	12.44	59.59%	1.38%	5.76%	39.77%
BX	63 Neutral	$176.78B	41.56	35.17%	3.24%	33.12%	19.86%
CG	59 Neutral	$19.28B	29.77	11.85%	2.62%	-24.62%	437.16%

Ameriprise Financial Corporate Events

Ameriprise Financial Reports Strong Q3 2025 Performance

Ameriprise Financial Services, a prominent player in the financial services sector, offers a wide range of investment advice, asset management, and insurance solutions. In its latest earnings report for the third quarter of 2025, Ameriprise Financial showcased a robust financial performance with notable growth in earnings and assets under management. The company reported a 22% increase in adjusted operating earnings per diluted share, reaching $9.87, while GAAP net income per diluted share rose significantly to $9.33 from $5.00 the previous year. Assets under management, administration, and advisement hit a record high of $1.7 trillion, marking an 8% increase.