Ameriprise Financial Inc

Finance
Investment Managers
www.ameriprise.com

Earnings Score
Moat Score

Market Cap $55.72B
PE 21
Debt $NaN
Cash $11.38B
EV $NaN
FCF $8.19B

Earnings

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Sales & Net Margins

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Earnings	$2.71B
EBIT	$3.41B
ROE	47%
ROA	2%
FCF	$8.19B
Equity	$5.72B
Growth Stability	84%
PE	20.58
PEG	2.68
PB	9.75
P/FCF	6.81
P/S	3.19
Price/Cash	0.2
Net Margins	18%
Op. Margins	20%
Earnings CAGR	9%
Sales Growth YoY	12%
Sales Growth QoQ	4%
Sales CAGR	4%
FCF CAGR	15%
Equity CAGR	-7%
Earnings Stability	0.56
Earnings Growth YoY	-41%

Earnings Growth QoQ	-38%
Earnings CAGR 5Y	8%
Sales CAGR 5Y	8%
FCF CAGR 5Y	13%
Equity CAGR 5Y	-8%
Earnings CAGR 3Y	10%
Sales CAGR 3Y	10%
FCF CAGR 3Y	20%
Equity CAGR 3Y	4%
Market Cap	$55.72B
Revenue	$17.45B
Dividend Yield	1%
Payout Ratio	21%
Assets	$185.97B
Cash	$11.38B
Shares Outstanding	100.4M
Earnings Score	73%
Moat Score	71%
Shares Growth 3y	-5%
Equity Growth QoQ	14%
Equity Growth YoY	49%

Assets & ROA

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Stockholders Equity & ROE

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Ameriprise Financial, Inc. is a diversified financial services company and bank holding company incorporated in Delaware and headquartered in Minneapolis, Minnesota. It provides financial planning products and services, including wealth management, asset management, insurance, annuities, and estate planning. As of April 2022, more than 80% of the company's revenue came from wealth management. The company's primary subsidiaries include Ameriprise Financial Services, RiverSource Life Insurance Company, and Columbia Threadneedle Investments, its global asset management brand, and a provider of investments to institutional and retail clients.

SEC Filings

Direct access to Ameriprise Financial Inc (AMP) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Ameriprise Financial Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Ameriprise Financial Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 9%

Stability 56%

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Ameriprise Financial Inc Discounted Cash Flow

Fully customizable DCF calculator online for Ameriprise Financial Inc.

Years

Calculation mode

= $228B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$8.2B	$9.4B	$11B	$12B	$14B	$16B	$19B	$21B	$24B	$28B	$32B	$322B
DCF		$8.5B	$8.9B	$9.3B	$9.7B	$10B	$11B	$11B	$11B	$12B	$12B	$124B
Value	$228B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	13%	13%	11%	12%	16%	14%	13%	21%	18%	16%	18%
ROA	-	-	-	2%	2%	1%	1%	2%	2%	2%	2%
ROE	-	19%	21%	25%	38%	33%	26%	49%	71%	54%	47%

Good Net Margins (17.55%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	1.5	-	-	-	-	-
Debt over Equity	-	-	-	-	-	0.58	-	-	-	-	-
Growth Stability	-	-	-	99%	100%	100%	84%	100%	100%	100%	84%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Neutral Graham’s Stability (84%)

The company has a stability in its earnings that is not too good nor too bad.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-1%	-4%	3%	7%	1%	-9%	12%	7%	12%	8%
Earnings YoY growth	-	-4%	-16%	13%	42%	-10%	-19%	80%	-7%	-0%	8%
Equity YoY growth	-	-10%	-25%	-5%	-7%	3%	2%	-3%	-36%	31%	-8%
FCF YoY growth	-	7%	-23%	-18%	58%	-10%	104%	-28%	32%	7%	13%