Ameriprise Financial (AMP)

Financials · $45.1B market cap · SEC CIK 0000820027

Next reports on Jan 27, 2027, after the close, with analysts expecting $12.47 in earnings per share.

52-week range $422.37 to $572.56. 9% below its 52-week high and 23% above its low.

The case for AMP

• Cheap for its growth: 10.8× earnings, where 10%+ a year of growth plus a 1.5% dividend would justify about 25×.
• Earns 69% on shareholder equity, a figure flattered by a small equity base.
• 21% of revenue drops through to net profit.
• Revenue growing 8.8% year over year.
• Pays a modest 1.5% dividend.

The case against

• Its weakest area is stability (51/100): beta 1.13, a 26% swing over the year.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Ameriprise Financial's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Ameriprise Financial says it does

Overview Ameriprise Financial, Inc. is a diversified financial services company with a more than 130-year history of providing solutions to help clients confidently achieve their financial objectives. Ameriprise Financial, Inc. is a holding company incorporated in Delaware that primarily engages in business through its subsidiaries. Accordingly, references to “Ameriprise,” “Ameriprise Financial,” the “Company,” “we,” “us,” and “our” may refer to Ameriprise Financial, Inc. exclusively, to our entire family of companies, or to one or more of our subsidiaries. We are a long-standing leader in financial planning and advice offering a broad range of products and services designed to assist individual and institutional clients achieve their financial objectives. Our strategy is centered on helping clients confidently achieve their goals by providing holistic advice and by managing and protecting their assets and income. We carry out our…

Risk factors AMP lists in its 10-K

• Our results of operations and financial condition may be adversely affected by market fluctuations and by economic, political and other factors
• Adverse capital and credit market conditions or a downgrade in our credit ratings may significantly affect our ability to meet liquidity needs, our access to capital and our cost of capital
• Intense competition, new technologies and the economies of scale for larger competitors could negatively impact our ability to maintain or increase our market share and profitability
• A drop in our investment performance as compared to that of our competitors could negatively impact our revenues and profitability
• We face intense competition in attracting and retaining key talent
• The negative performance or default by other financial institutions or other third parties could adversely affect us
• We may not be able to maintain our unaffiliated third-party distribution channels and the sale of unaffiliated products may diminish sales of our own products
• The determination of the amount of allowances taken on certain loans and investments is subject to management’s evaluation and judgment and could materially impact our results of operations or financial position
• Some of our investments are relatively illiquid and we may have difficulty selling these investments
• The failure of other insurers could require us to pay higher assessments to state insurance guaranty funds
• Our insurance profitability relies on our assumptions including those regarding morbidity rates, mortality rates and benefit utilization as well as the future persistency of our insurance policies and annuity contracts
• A failure to protect our reputation could adversely affect our businesses
• The direct and indirect effects of climate change could adversely affect our business and operations, both directly and as a result of impacts on our clients, counterparties and entities whose securities we hold
• As a holding company, we depend on the ability of our subsidiaries to transfer funds to us to pay dividends and to meet our obligations
• The occurrence of natural or man-made disasters and catastrophes could adversely affect our results of operations and financial condition
• We face risks arising from acquisitions and divestitures
• Legal and regulatory actions are inherent in our businesses and could result in financial losses or harm our businesses
• Our businesses are heavily regulated, and changes to the laws and regulations applicable to our businesses may have an adverse effect on our operations, reputation and financial condition
• As a Savings and Loan Holding Company, we are subject to supervision by the FRB and various prudential standards that may limit our activities and strategies
• We may not be able to protect our intellectual property and may be subject to infringement claims
• Changes in and the adoption of accounting standards could have a material impact on our financial statements

Filings

Other Financials companies