AMP
Ameriprise Financial, Inc.
Asset Management
Market Cap$45.77B
5Y Perf.+239.3%
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Stock Comparison
AMP vs PRU
Revenue, margins, valuation, and 5-year total return — side by side.
PRU
Prudential Financial, Inc.
Insurance - Life
Market Cap$34.86B
5Y Perf.+64.3%
AMP vs PRU — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AMP | PRU |
|---|---|---|
| Industry | Asset Management | Insurance - Life |
| Market Cap | $45.77B | $34.86B |
| Revenue (TTM) | $18.91B | $61.82B |
| Net Income (TTM) | $3.56B | $3.48B |
| Gross Margin | 50.4% | 30.8% |
| Operating Margin | 25.5% | 8.2% |
| Forward P/E | 10.8x | 7.4x |
| Total Debt | $5.86B | $22.96B |
| Cash & Equiv. | $10.10B | $19.71B |
AMP vs PRU — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AMP
PRU
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Ameriprise Financia… (AMP) | 100 | 339.3 | +239.3% |
| Prudential Financia… (PRU) | 100 | 164.3 | +64.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AMP vs PRU
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AMP leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Prudential Financial, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
AMP
Ameriprise Financial, Inc.
The Banking Pick
AMP carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 1.12, yield 6.6%
- Rev growth 5.2%, EPS growth 10.0%
- 459.2% 10Y total return vs PRU's 88.9%
Best for: income & stability and growth exposure
PRU
Prudential Financial, Inc.
The Insurance Pick
PRU is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.97, Low D/E 64.5%, current ratio 0.61x
- Lower P/E (7.4x vs 10.8x)
- Beta 0.97 vs AMP's 1.12, lower leverage
Best for: sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AMP | 5.2% NII/revenue growth vs PRU's -14.0% |
| Value | PRU | Lower P/E (7.4x vs 10.8x) |
| Quality / Margins | AMP | 18.8% margin vs PRU's 5.6% |
| Stability / Safety | PRU | Beta 0.97 vs AMP's 1.12, lower leverage |
| Dividends | AMP | 6.6% yield, 15-year raise streak, vs PRU's 5.5% |
| Momentum (1Y) | PRU | +3.7% vs AMP's +1.3% |
| Efficiency (ROA) | AMP | 1.9% ROA vs PRU's 0.6%, ROIC 31.3% vs 10.0% |
AMP vs PRU — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
AMP vs PRU — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAMPLAGGINGPRU
PRUPrudential Financial,…
1leads
AMPAmeriprise Financial,…
4leads
6 Total Categories
CATEGORYLEADERvs PRUMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AMP4/5
Valuation MetricsMultiples, price ratios, and targets
PRU6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMP7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
AMP5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
AMP2/2
Income & Cash Flow (Last 12 Months)
AMP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRU is the larger business by revenue, generating $61.8B annually — 3.3x AMP's $18.9B. AMP is the more profitable business, keeping 18.8% of every revenue dollar as net income compared to PRU's 5.6%.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| RevenueTrailing 12 months | $18.9B | $61.8B |
| EBITDAEarnings before interest/tax | $4.8B | $5.4B |
| Net IncomeAfter-tax profit | $3.6B | $3.5B |
| Free Cash FlowCash after capex | $2.9B | $9.8B |
| Gross MarginGross profit ÷ Revenue | +50.4% | +30.8% |
| Operating MarginEBIT ÷ Revenue | +25.5% | +8.2% |
| Net MarginNet income ÷ Revenue | +18.8% | +5.6% |
| FCF MarginFCF ÷ Revenue | +15.3% | +15.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -1.0% | -12.8% |
AMP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
PRU leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 9.8x trailing earnings, PRU trades at a 25% valuation discount to AMP's 13.1x P/E. On an enterprise value basis, PRU's 7.8x EV/EBITDA is more attractive than AMP's 8.2x.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| Market CapShares × price | $45.8B | $34.9B |
| Enterprise ValueMkt cap + debt − cash | $41.5B | $38.1B |
| Trailing P/EPrice ÷ TTM EPS | 13.07x | 9.80x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.82x | 7.40x |
| PEG RatioP/E ÷ EPS growth rate | 0.54x | — |
| EV / EBITDAEnterprise value multiple | 8.24x | 7.76x |
| Price / SalesMarket cap ÷ Revenue | 2.42x | 0.57x |
| Price / BookPrice ÷ Book value/share | 6.99x | 0.98x |
| Price / FCFMarket cap ÷ FCF | 15.82x | 5.56x |
PRU leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
AMP leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
AMP delivers a 58.1% return on equity — every $100 of shareholder capital generates $58 in annual profit, vs $10 for PRU. PRU carries lower financial leverage with a 0.65x debt-to-equity ratio, signaling a more conservative balance sheet compared to AMP's 0.90x. On the Piotroski fundamental quality scale (0–9), PRU scores 7/9 vs AMP's 4/9, reflecting strong financial health.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +58.1% | +10.3% |
| ROA (TTM)Return on assets | +1.9% | +0.6% |
| ROICReturn on invested capital | +31.3% | +10.0% |
| ROCEReturn on capital employed | +2.6% | +0.9% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.90x | 0.65x |
| Net DebtTotal debt minus cash | -$4.2B | $3.2B |
| Cash & Equiv.Liquid assets | $10.1B | $19.7B |
| Total DebtShort + long-term debt | $5.9B | $23.0B |
| Interest CoverageEBIT ÷ Interest expense | 14.82x | 4.76x |
AMP leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
AMP leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AMP five years ago would be worth $19,129 today (with dividends reinvested), compared to $11,875 for PRU. Over the past 12 months, PRU leads with a +3.7% total return vs AMP's +1.3%. The 3-year compound annual growth rate (CAGR) favors AMP at 18.9% vs PRU's 12.0% — a key indicator of consistent wealth creation.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| YTD ReturnYear-to-date | -3.1% | -10.8% |
| 1-Year ReturnPast 12 months | +1.3% | +3.7% |
| 3-Year ReturnCumulative with dividends | +68.0% | +40.4% |
| 5-Year ReturnCumulative with dividends | +91.3% | +18.7% |
| 10-Year ReturnCumulative with dividends | +459.2% | +88.9% |
| CAGR (3Y)Annualised 3-year return | +18.9% | +12.0% |
AMP leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AMP and PRU each lead in 1 of 2 comparable metrics.
Risk & Volatility
PRU is the less volatile stock with a 0.97 beta — it tends to amplify market swings less than AMP's 1.12 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.12x | 0.97x |
| 52-Week HighHighest price in past year | $550.18 | $119.76 |
| 52-Week LowLowest price in past year | $422.37 | $91.89 |
| % of 52W HighCurrent price vs 52-week peak | +86.4% | +83.6% |
| RSI (14)Momentum oscillator 0–100 | 58.6 | 58.5 |
| Avg Volume (50D)Average daily shares traded | 621K | 2.3M |
Evenly matched — AMP and PRU each lead in 1 of 2 comparable metrics.
Analyst Outlook
AMP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AMP as "Buy" and PRU as "Hold". Consensus price targets imply 10.6% upside for AMP (target: $526) vs 4.0% for PRU (target: $104). For income investors, AMP offers the higher dividend yield at 6.61% vs PRU's 5.50%.
| Metric | AMPAmeriprise Financ… | PRUPrudential Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $525.80 | $104.13 |
| # AnalystsCovering analysts | 22 | 37 |
| Dividend YieldAnnual dividend ÷ price | +6.6% | +5.5% |
| Dividend StreakConsecutive years of raises | 15 | 8 |
| Dividend / ShareAnnual DPS | $31.41 | $5.50 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.6% | +2.9% |
AMP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
AMP leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PRU leads in 1 (Valuation Metrics). 1 tied.
Best OverallAmeriprise Financial, Inc. (AMP)Leads 4 of 6 categories
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AMP vs PRU: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AMP or PRU a better buy right now?
For growth investors, Ameriprise Financial, Inc.
(AMP) is the stronger pick with 5. 2% revenue growth year-over-year, versus -14. 0% for Prudential Financial, Inc. (PRU). Prudential Financial, Inc. (PRU) offers the better valuation at 9. 8x trailing P/E (7. 4x forward), making it the more compelling value choice. Analysts rate Ameriprise Financial, Inc. (AMP) a "Buy" — based on 22 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AMP or PRU?
On trailing P/E, Prudential Financial, Inc.
(PRU) is the cheapest at 9. 8x versus Ameriprise Financial, Inc. at 13. 1x. On forward P/E, Prudential Financial, Inc. is actually cheaper at 7. 4x.
03Which is the better long-term investment — AMP or PRU?
Over the past 5 years, Ameriprise Financial, Inc.
(AMP) delivered a total return of +91. 3%, compared to +18. 7% for Prudential Financial, Inc. (PRU). Over 10 years, the gap is even starker: AMP returned +459. 2% versus PRU's +88. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AMP or PRU?
By beta (market sensitivity over 5 years), Prudential Financial, Inc.
(PRU) is the lower-risk stock at 0. 97β versus Ameriprise Financial, Inc. 's 1. 12β — meaning AMP is approximately 15% more volatile than PRU relative to the S&P 500. On balance sheet safety, Prudential Financial, Inc. (PRU) carries a lower debt/equity ratio of 65% versus 90% for Ameriprise Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AMP or PRU?
By revenue growth (latest reported year), Ameriprise Financial, Inc.
(AMP) is pulling ahead at 5. 2% versus -14. 0% for Prudential Financial, Inc. (PRU). On earnings-per-share growth, the picture is similar: Prudential Financial, Inc. grew EPS 36. 3% year-over-year, compared to 10. 0% for Ameriprise Financial, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AMP or PRU?
Ameriprise Financial, Inc.
(AMP) is the more profitable company, earning 18. 8% net margin versus 5. 9% for Prudential Financial, Inc. — meaning it keeps 18. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AMP leads at 25. 5% versus 7. 9% for PRU. At the gross margin level — before operating expenses — AMP leads at 50. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AMP or PRU more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
(PRU) trades at 7. 4x forward P/E versus 10. 8x for Ameriprise Financial, Inc. — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AMP: 10. 6% to $525. 80.
08Which pays a better dividend — AMP or PRU?
All stocks in this comparison pay dividends.
Ameriprise Financial, Inc. (AMP) offers the highest yield at 6. 6%, versus 5. 5% for Prudential Financial, Inc. (PRU).
09Is AMP or PRU better for a retirement portfolio?
For long-horizon retirement investors, Ameriprise Financial, Inc.
(AMP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 12), 6. 6% yield, +459. 2% 10Y return). Both have compounded well over 10 years (AMP: +459. 2%, PRU: +88. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AMP and PRU?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(AMP: 5.2% · PRU: 6.3%)Net Margin>
%
(AMP: 18.8% · PRU: 5.6%)P/E Ratio<
x
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