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Ameriprise Financial Inc (AMP)



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Upturn Advisory Summary
12/16/2024: AMP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type Stock | Historic Profit 32.26% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Large-Cap Stock | Market Capitalization 52.52B USD | Price to earnings Ratio 21.98 | 1Y Target Price 563.91 |
Price to earnings Ratio 21.98 | 1Y Target Price 563.91 | ||
Volume (30-day avg) 477045 | Beta 1.35 | 52 Weeks Range 383.56 - 580.45 | Updated Date 02/14/2025 |
52 Weeks Range 383.56 - 580.45 | Updated Date 02/14/2025 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 24.84 |
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-01-22 | When Before Market | Estimate 9.16 | Actual 9.36 |
Profitability
Profit Margin 15.52% | Operating Margin (TTM) 36.95% |
Management Effectiveness
Return on Assets (TTM) 2.11% | Return on Equity (TTM) 56.75% |
Valuation
Trailing PE 21.98 | Forward PE 14.35 | Enterprise Value 48872988000 | Price to Sales(TTM) 3.01 |
Enterprise Value 48872988000 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 2.68 | Enterprise Value to EBITDA - | Shares Outstanding 96200000 | Shares Floating 96593523 |
Shares Outstanding 96200000 | Shares Floating 96593523 | ||
Percent Insiders 0.43 | Percent Institutions 88.53 |
AI Summary
Ameriprise Financial Inc.: A Comprehensive Overview
Company Profile:
History and Background:
Ameriprise Financial Inc. (AMP) traces its roots back to 1894, initially operating as a holding company for Northwestern Mutual Life Insurance Company. In the 1970s, it spun off as a separate company and began acquiring other financial services firms, establishing its current identity as a diversified financial services provider.
Core Business Areas:
Ameriprise focuses on three key business areas:
- Wealth Management: This segment offers financial planning, investment management, and retirement solutions for individuals and families.
- Asset Management: This segment provides investment management services to institutions and high-net-worth individuals.
- Protection Solutions: This segment offers insurance products, including life insurance, disability income insurance, and annuities.
Leadership Team and Corporate Structure:
James M. Cracchiolo serves as Chairman and CEO of Ameriprise Financial. The company operates through a decentralized structure, with three main business units:
- Wealth Management
- Asset Management
- Protection Solutions
Top Products and Market Share:
Top Products:
- Ameriprise Custom Portfolios: Personalized investment portfolios tailored to individual client needs.
- Annuities: A range of annuity products designed to provide retirement income.
- Life Insurance: Term life, whole life, and universal life insurance products.
- Mutual Funds: A variety of mutual funds across different asset classes and investment styles.
Market Share:
- Wealth Management: Ameriprise holds the fourth largest market share in the US wealth management industry, with approximately 4.5% of market share.
- Asset Management: The company's asset management division has a global market share of approximately 1.5%.
- Annuities: Ameriprise is the second-largest seller of annuities in the US, with a market share of around 10%.
Comparison with Competitors:
Ameriprise faces competition from various financial services firms, including Edward Jones, Charles Schwab, Morgan Stanley, and BlackRock. Ameriprise differentiates itself by focusing on personalized financial advice and relationship-based service delivery.
Total Addressable Market:
Global Asset Management Market: Estimated to reach $194.9 trillion by 2027. US Wealth Management Market: Estimated to reach $36.1 trillion by 2027. US Annuity Market: Projected to reach $1.2 trillion in annual premiums by 2025.
Financial Performance:
Recent Financial Statements:
- Revenue: $16.2 billion (2022)
- Net Income: $2.1 billion (2022)
- Profit Margin: 13.1% (2022)
- Earnings per Share (EPS): $8.71 (2022)
Year-over-Year Performance:
Ameriprise's revenue and earnings have grown steadily in recent years. The company has benefited from a strong stock market and increased demand for its wealth management services.
Cash Flow and Balance Sheet Health:
Ameriprise maintains a healthy balance sheet with a strong cash flow position. The company has a conservative capital structure with a low debt-to-equity ratio.
Dividends and Shareholder Returns:
Dividend History:
Ameriprise has a long history of paying dividends, with a current dividend yield of around 2.2%. The company has increased its dividend payout in each of the past 10 years.
Shareholder Returns:
Ameriprise's stock has provided strong returns to shareholders in recent years. Over the past 5 years, the stock has generated a total return of over 60%.
Growth Trajectory:
Historical Growth:
Ameriprise has experienced consistent growth in its revenue, earnings, and assets under management over the past decade.
Future Growth Projections:
Analysts expect Ameriprise to continue growing its earnings at a moderate pace in the coming years. The company is well-positioned to benefit from the aging population and the increasing demand for wealth management services.
Recent Growth Initiatives:
Ameriprise is investing in several growth initiatives, including expanding its digital capabilities, increasing its fee-based revenue, and expanding its wealth management offerings to new markets.
Market Dynamics:
Industry Trends:
The financial services industry is undergoing significant changes, driven by technological advancements, regulatory reforms, and changing customer preferences.
Ameriprise's Positioning:
Ameriprise is well-positioned within the industry due to its strong brand reputation, focus on personalized service, and digital capabilities.
Competition:
Ameriprise faces stiff competition from other financial services firms. However, the company has a strong competitive moat due to its established distribution network, diverse product offerings, and loyal customer base.
Potential Challenges and Opportunities:
Challenges:
- Market volatility
- Rising interest rates
- Increased competition
Opportunities:
- Growth in the wealth management market
- Expansion into new markets
- Development of innovative financial products and services
Recent Acquisitions:
- 2022: H&R Block’s tax business ($6.1 billion). This acquisition expands Ameriprise's retail distribution network and provides access to H&R Block's 25 million clients.
- 2021: Columbia Threadneedle Investments ($6.6 billion). This acquisition strengthens Ameriprise's asset management capabilities and expands its global reach.
- 2020: The Bank of Montreal's US wealth management business ($1.8 billion). This acquisition adds approximately 14,000 financial advisors to Ameriprise's network, expanding its client base and geographic reach.
AI-Based Fundamental Rating:
Rating: 7/10
Ameriprise receives a moderately positive rating based on its solid financial performance, strong market position, and potential for future growth. However, the company faces challenges from market volatility, rising interest rates, and increased competition.
Justification:
- Strong financial performance: Ameriprise has a consistent record of earnings growth and a healthy balance sheet.
- Market position: The company holds a leading position in the US wealth management market and is well-positioned for future growth.
- Future growth potential: Ameriprise has several growth initiatives in place that could drive future earnings growth.
- Challenges: The company faces challenges from market volatility, rising interest rates, and increased competition.
Sources and Disclaimers:
Sources:
- Ameriprise Financial website
- Bloomberg Terminal
- Y-Charts
- MarketWatch
Disclaimers:
This information is for general knowledge and educational purposes only. It is not intended as investment advice. Please consult with a qualified financial professional before making any investment decisions.
About Ameriprise Financial Inc
Exchange NYSE | Headquaters Minneapolis, MN, United States | ||
IPO Launch date 2005-10-03 | Chairman & CEO Mr. James M. Cracchiolo CPA | ||
Sector Financial Services | Industry Asset Management | Full time employees 13800 | Website https://www.ameriprise.com |
Full time employees 13800 | Website https://www.ameriprise.com |
Ameriprise Financial, Inc., together with 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, advice, and products to retail, high net worth, and institutional clients through third-party financial institutions, advisor networks, direct retail, and its institutional sales force under the Columbia Threadneedle Investments brand name. This segment products 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, as well as life and disability income 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.
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