Ameriprise Financial, Inc. (AMP)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable businesses that earn good returns and sell at sensible prices. Ameriprise is a diversified financial services firm with advice, asset management, retirement, and protection operations. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $5.0B, net income $1.1B, and diluted EPS $11.98; in fiscal Q2 2025, revenue was $4.5B and diluted EPS was $10.73. In fiscal year 2025, the year ended 2025-12-31, revenue was $18.9B, net income $3.6B, and diluted EPS $36.28, versus fiscal year 2024 revenue of $17.9B, net income $3.4B, and diluted EPS $33.05. The business is profitable, but growth is moderate. FairStock's Lynch category calls it a STALWART, with 18.4% yearly profit growth and 9.6% revenue growth over five years. At the 2026-10-13 close, FairStock calculated a P/E of 11.92, P/B of 6.85, PEG of 2.38, FCF yield of 18.5%, and a Graham Number of $258.83; the price was $493.32, implying a -90.60% margin of safety. The low P/E and high FCF yield look attractive, but the high P/B, 63.43% ROE, 2.28% ROCE, and 0.68 D/E suggest returns may be amplified by leverage rather than a wide moat. A Piotroski F-Score of 5/9 is middling, and the Altman Z-Score of 0.37 is a caution flag, though such scores are blunt tools for financial firms. The key question is whether revenue and earnings growth can persist without relying on balance-sheet leverage.

In plain English: Ameriprise is a financial services company that gives financial advice and manages investments and retirement products. It is profitable, and its latest reported quarter had more revenue and higher per-share earnings than the same quarter a year earlier. At the recent price of $493.32, the shares look low compared with yearly earnings but high compared with the company's net assets and a conservative value estimate.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K/A (period ended 2025-12-31) · FY2024 10-K/A (period ended 2024-12-31) · FY2023 10-K/A (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer