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Upturn AI Summary - About
Ameriprise Financial Inc(AMP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AMP
11/06/2026: AMP (1-star) is currently NOT-A-BUY. Pass it for now.
Ameriprise Financial is a well-established wealth and asset management company that has built a solid position by integrating comprehensive financial planning with investment products. The firm benefits from a large, productive advisor network and a consistent business model that generates reliable cash flow, making it an attractive option for income-focused investors. Its primary growth opportunity lies in capturing the wealth transfer needs of an aging population through digital-hybrid advisory services. However, the company faces risks from market volatility, which impacts fee revenue, and stiff competition from both traditional and fintech players. Investors should monitor advisor productivity and market-driven assets under management.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady and driven by assets under management, but it is not a high-growth tech-style stock. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find entry points during strong market cycles that lift AUM-based fees. |
| Value investor | Strong fit | The stock is often reasonably valued relative to its earnings and consistent cash generation. |
| Dividend investor | Strong fit | Ameriprise has a reliable history of paying and increasing dividends. |
| Low-risk investor | Mixed fit | While established, the company's revenue is sensitive to market volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a financial services firm, the stock price often correlates with equity market performance. |
| Valuation risk | Medium | The stock trades based on market sentiment regarding interest rates and AUM growth. |
| Competition risk (Wealth Management) | Medium / high | The wealth management space is crowded with tech-enabled and traditional players. |
| Business quality | Strong | The company has a long-standing reputation and a highly profitable business model. |
| Dividend income | Low | The dividend is considered stable and well-supported by cash flows. |
| Execution risk | Medium | Continued growth depends on advisor recruitment and successful asset management strategies. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 16.6% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 44.22B USD | Price to earnings Ratio 11.47 | 1Y Target Price 545.18 |
Price to earnings Ratio 11.47 | 1Y Target Price 545.18 | ||
Volume (30-day avg) 585.4K shares | Beta 1.12 | 52 Weeks Range 419.52 - 572.56 | Updated Date 11/06/2026 |
52 Weeks Range 419.52 - 572.56 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 1.25% | Basic EPS (TTM) 44.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Advice & Wealth Management | Financial planning fees and asset-based advisory fees. | This is the core engine, earning money as clients entrust more assets to the firm's advisors. |
| Asset Management | Investment management fees via Columbia Threadneedle. | Revenue fluctuates based on the total value of assets managed for global clients. |
| Retirement & Protection | Annuity premiums and insurance policy fees. | Provides stable income but involves long-term liabilities to policyholders. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 11.6 | Actual 12.07 |
Profitability
Profit Margin 20.67% | Operating Margin (TTM) 36.41% |
Management Effectiveness
Return on Assets (TTM) 2.3% | Return on Equity (TTM) 71.98% |
Valuation
Trailing PE 11.47 | Forward PE 10.22 | Enterprise Value 42.50B | Price to Sales(TTM) 2.2 |
Enterprise Value 42.50B | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 2.14 | Enterprise Value to EBITDA - | Shares Outstanding 86.81M | Shares Floating 86.44M |
Shares Outstanding 86.81M | Shares Floating 86.44M | ||
Percent Insiders 0.19 | Percent Institutions 93.81 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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