Ameriprise Financial Inc

Finance
Investment Managers
www.ameriprise.com

Earnings Score
Moat Score

Market Cap $47.02B
PE 16
Debt -
Cash $8.96B
EV -
FCF $6.68B

Earnings

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Sales & Net Margins

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Earnings	$2.99B
EBIT	$3.74B
ROE	55%
ROA	2%
FCF	$6.68B
Equity	$5.43B
Growth Stability	84%
PE	15.7
PEG	1.29
PB	8.67
P/FCF	7.04
P/S	2.6
Price/Cash	0.19
Net Margins	13%
Op. Margins	21%
Earnings CAGR	10%
Sales Growth YoY	4%
Sales Growth QoQ	-4%
Sales CAGR	5%
FCF CAGR	17%
Equity CAGR	-5%
Earnings Stability	0.6
Earnings Growth YoY	-41%

Earnings Growth QoQ	-46%
Earnings CAGR 5Y	12%
Sales CAGR 5Y	9%
FCF CAGR 5Y	21%
Equity CAGR 5Y	-4%
Earnings CAGR 3Y	11%
Sales CAGR 3Y	11%
FCF CAGR 3Y	23%
Equity CAGR 3Y	18%
Market Cap	$47.02B
Revenue	$18.08B
Dividend Yield	1%
Payout Ratio	20%
Assets	$179.06B
Cash	$8.96B
Shares Outstanding	98.48M
Earnings Score	80%
Moat Score	71%
Shares Growth 3y	-4%
Equity Growth QoQ	4%
Equity Growth YoY	11%

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.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 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

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 10%

Stability 60%

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Ameriprise Financial Inc Discounted Cash Flow

Fully customizable DCF calculator online for Ameriprise Financial Inc.

Years

Calculation mode

= $223B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$6.7B	$7.8B	$9.2B	$11B	$13B	$15B	$17B	$20B	$24B	$28B	$33B	$329B
DCF		$7.1B	$7.6B	$8.1B	$8.6B	$9.2B	$9.8B	$10B	$11B	$12B	$13B	$127B
Value	$223B

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	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	13%	11%	12%	16%	14%	13%	21%	18%	16%	19%	13%
ROA	-	-	2%	2%	1%	1%	2%	2%	2%	2%	2%
ROE	-	21%	25%	38%	33%	26%	49%	71%	54%	65%	55%

Good Net Margins (13.01%)

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	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	-	-	1.5	-	-	-	-	-	-
Debt over Equity	-	-	-	-	0.58	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	84%	100%	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	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-4%	3%	7%	1%	-9%	12%	7%	12%	11%	9%
Earnings YoY growth	-	-16%	13%	42%	-10%	-19%	80%	-7%	-0%	33%	12%
Equity YoY growth	-	-25%	-5%	-7%	3%	2%	-3%	-36%	31%	11%	-4%
FCF YoY growth	-	-23%	-18%	58%	-10%	104%	-28%	32%	7%	43%	21%