Ameriprise Financial, Inc. (AMP) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Asset Management
EV/EBITDA
↓
7.92
↓-15% vs avg
5yr avg: 9.30
30Y Low1.7·High12.7
P/FCF
↑
15.27
↑+42% vs avg
5yr avg: 10.73
30Y Low2.8·High31.4
P/B Ratio
↑
6.75
↓-19% vs avg
5yr avg: 8.35
30Y Low0.9·High10.5
ROE
↑
60.5%
↓+1% vs avg
5yr avg: 60.0%
30Y Low-1%·High68%
Debt/EBITDA
↓
1.16
↓-10% vs avg
5yr avg: 1.29
30Y Low0.2·High5.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AMP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ameriprise Financial, Inc. trades at 12.6x earnings, 6% below its 5-year average of 13.5x, sitting at the 30th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.1x. On a free-cash-flow basis, the stock trades at 15.3x P/FCF, 42% above the 5-year average of 10.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $44.2B | $47.2B | $54.8B | $40.9B | $35.4B | $36.2B | $24.4B | $22.7B | $15.4B | $26.6B | $18.7B |
| Enterprise Value | $39.9B | $43.0B | $51.7B | $39.1B | $33.7B | $34.1B | $22.5B | $23.8B | $17.1B | $29.2B | $21.6B |
| P/E Ratio → | 12.62 | 13.49 | 16.11 | 16.02 | 11.24 | 10.59 | 15.93 | 11.97 | 7.35 | 17.95 | 14.20 |
| P/S Ratio | 2.34 | 2.50 | 3.05 | 2.54 | 2.47 | 2.67 | 2.03 | 1.74 | 1.19 | 2.16 | 1.58 |
| P/B Ratio | 6.75 | 7.21 | 10.48 | 8.66 | 9.31 | 6.09 | 4.16 | 3.95 | 2.76 | 4.43 | 2.97 |
| P/FCF | 15.27 | 16.32 | 8.54 | 9.10 | 8.38 | 11.29 | 5.46 | 10.31 | 6.33 | 17.26 | 9.93 |
| P/OCF | 15.27 | 16.32 | 8.31 | 8.74 | 8.03 | 10.89 | 5.28 | 9.68 | 5.94 | 15.61 | 9.47 |
P/E links to full P/E history page with 30-year chart
AMP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Ameriprise Financial, Inc.'s enterprise value stands at 7.9x EBITDA, 15% below its 5-year average of 9.3x. The Financial Services sector median is 11.5x, placing the stock at a 31% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.27 | 2.88 | 2.43 | 2.35 | 2.52 | 1.87 | 1.82 | 1.32 | 2.38 | 1.84 |
| EV / EBITDA | 7.92 | 8.52 | 10.77 | 10.41 | 7.81 | 9.01 | 9.94 | 9.36 | 5.71 | 10.54 | 10.07 |
| EV / EBIT | 8.27 | 8.90 | 11.25 | 11.00 | 8.16 | 9.64 | 11.30 | 9.70 | 6.25 | 11.99 | 11.66 |
| EV / FCF | — | 14.86 | 8.06 | 8.70 | 7.97 | 10.65 | 5.03 | 10.81 | 7.03 | 18.99 | 11.50 |
AMP Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ameriprise Financial, Inc. earns an operating margin of 25.5%, above the Financial Services sector average of 21.6%. Operating margins have expanded from 22.1% to 25.5% over the past 3 years, signaling improving operational efficiency. Return on equity of 60.5% is exceptionally high — well above the sector median of 9.4%. ROIC of 31.3% represents excellent returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.4% | 50.4% | 50.9% | 51.7% | 53.6% | 57.8% | 47.8% | 49.1% | 48.4% | 47.8% | 45.3% |
| Operating Margin | 25.5% | 25.5% | 25.6% | 22.1% | 28.8% | 26.7% | 17.1% | 18.0% | 21.6% | 20.7% | 16.1% |
| Net Profit Margin | 18.8% | 18.8% | 18.9% | 15.9% | 22.0% | 20.4% | 12.8% | 14.5% | 16.2% | 12.0% | 11.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 60.5% | 60.5% | 68.3% | 59.9% | 64.6% | 46.7% | 26.5% | 33.5% | 36.2% | 24.1% | 17.9% |
| ROA | 1.9% | 1.9% | 1.9% | 1.5% | 1.9% | 1.6% | 1.0% | 1.3% | 1.5% | 1.0% | 0.9% |
| ROIC | 31.3% | 31.3% | 32.6% | 27.1% | 30.5% | 24.7% | 14.4% | 16.8% | 19.4% | 16.6% | 9.3% |
| ROCE | 2.6% | 2.6% | 2.6% | 2.1% | 2.5% | 2.1% | 1.3% | 1.6% | 2.0% | 1.8% | 1.3% |
AMP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Ameriprise Financial, Inc. carries a Debt/EBITDA ratio of 1.2x, which is manageable (72% below the sector average of 4.1x). The company holds a net cash position — cash of $10.1B exceeds total debt of $5.9B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 14.8x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.90 | 0.90 | 1.05 | 1.22 | 1.42 | 0.87 | 0.84 | 0.86 | 0.86 | 0.88 | 0.86 |
| Debt / EBITDA | 1.16 | 1.16 | 1.14 | 1.53 | 1.25 | 1.37 | 2.18 | 1.94 | 1.60 | 1.91 | 2.53 |
| Net Debt / Equity | — | -0.65 | -0.58 | -0.38 | -0.45 | -0.35 | -0.32 | 0.19 | 0.31 | 0.45 | 0.47 |
| Net Debt / EBITDA | -0.84 | -0.84 | -0.63 | -0.48 | -0.40 | -0.54 | -0.84 | 0.43 | 0.57 | 0.97 | 1.37 |
| Debt / FCF | — | -1.47 | -0.48 | -0.40 | -0.41 | -0.64 | -0.42 | 0.50 | 0.70 | 1.74 | 1.57 |
| Interest Coverage | 14.82 | 14.82 | 13.93 | 10.98 | 20.85 | 18.45 | 12.23 | 11.33 | 10.63 | 10.84 | 7.10 |
Net cash position: cash ($10.1B) exceeds total debt ($5.9B)
AMP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Ameriprise Financial, Inc.'s current ratio of 7.87x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 98.84x to 7.87x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 7.87 | 7.87 | 107.24 | 98.84 | 42.32 | 277.60 | 254.81 | 219.73 | 200.70 | 196.67 | 192.57 |
| Quick Ratio | 7.87 | 7.87 | 107.24 | 98.84 | 42.32 | 277.60 | 254.81 | 219.73 | 200.70 | 196.67 | 192.57 |
| Cash Ratio | 3.18 | 3.18 | 12.16 | 10.07 | 4.73 | 36.24 | 34.23 | 19.04 | 15.41 | 13.10 | 12.43 |
| Asset Turnover | — | 0.10 | 0.10 | 0.09 | 0.09 | 0.08 | 0.07 | 0.09 | 0.09 | 0.08 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AMP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ameriprise Financial, Inc. returns 11.7% to shareholders annually — split between a 6.8% dividend yield and 4.8% buyback yield. The payout ratio of 84.9% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 7.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.8% | 6.4% | 1.0% | 1.3% | 1.5% | 1.4% | 2.0% | 2.2% | 3.3% | 1.8% | 2.6% |
| Payout Ratio | 84.9% | 84.9% | 16.9% | 21.5% | 17.0% | 18.5% | 32.4% | 26.6% | 24.1% | 33.2% | 36.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.9% | 7.4% | 6.2% | 6.2% | 8.9% | 9.4% | 6.3% | 8.4% | 13.6% | 5.6% | 7.0% |
| FCF Yield | 6.5% | 6.1% | 11.7% | 11.0% | 11.9% | 8.9% | 18.3% | 9.7% | 15.8% | 5.8% | 10.1% |
| Buyback Yield | 4.8% | 4.5% | 4.5% | 5.2% | 5.6% | 5.6% | 5.9% | 8.6% | 10.6% | 5.6% | 9.1% |
| Total Shareholder Yield | 11.7% | 10.9% | 5.5% | 6.5% | 7.1% | 7.0% | 7.9% | 10.8% | 13.9% | 7.4% | 11.7% |
| Shares Outstanding | — | $96M | $103M | $108M | $114M | $120M | $126M | $136M | $148M | $157M | $168M |
Peer Comparison
Compare AMP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AMPYou | $44B | 12.6 | 7.9 | 15.3 | 50.4% | 25.5% | 60.5% | 31.3% | 1.2 |
 LNC | $7B | 6.2 | 2.4 | — | 57.3% | 7.3% | 12.3% | 12.0% | 4.1 |
 PFG | $22B | 19.1 | 12.9 | 4.9 | 45.2% | 9.1% | 9.9% | 9.0% | 2.5 |
 EQH | $12B | -8.9 | — | 17.8 | 79.1% | -10.2% | -51.5% | — | — |
 PRU | $35B | 9.7 | 7.7 | 5.5 | 42.0% | 7.9% | 10.9% | 10.0% | 4.7 |
 MET | $51B | 16.4 | 8.7 | 2.8 | 36.4% | 6.0% | 11.9% | 13.1% | 3.5 |
 MS | $303B | 23.9 | 25.8 | — | 55.6% | 17.1% | 13.0% | 2.9% | 15.8 |
 RJF | $30B | 14.9 | 4.9 | 13.5 | 88.2% | 28.7% | 17.7% | 20.9% | 1.0 |
 SF | $12B | 13.0 | 12.5 | 9.8 | 86.6% | 13.8% | 11.7% | 7.9% | 2.3 |
 LPLA | $25B | 28.4 | 10.7 | — | 25.6% | 13.4% | 20.9% | 16.1% | 2.5 |
 BEN | $16B | 33.5 | 22.5 | 17.4 | 80.3% | 6.9% | 3.7% | 1.6% | 11.7 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonAMP — Frequently Asked Questions
Quick answers to the most common questions about buying AMP stock.
What is Ameriprise Financial, Inc.'s P/E ratio?
Ameriprise Financial, Inc.'s current P/E ratio is 12.6x. The historical average is 14.4x. This places it at the 30th percentile of its historical range.
What is Ameriprise Financial, Inc.'s EV/EBITDA?
Ameriprise Financial, Inc.'s current EV/EBITDA is 7.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.9x.
What is Ameriprise Financial, Inc.'s ROE?
Ameriprise Financial, Inc.'s return on equity (ROE) is 60.5%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 25.7%.
Is AMP stock overvalued?
Based on historical data, Ameriprise Financial, Inc. is trading at a P/E of 12.6x. This is at the 30th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Ameriprise Financial, Inc.'s dividend yield?
Ameriprise Financial, Inc.'s current dividend yield is 6.85% with a payout ratio of 84.9%.
What are Ameriprise Financial, Inc.'s profit margins?
Ameriprise Financial, Inc. has 50.4% gross margin and 25.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Ameriprise Financial, Inc. have?
Ameriprise Financial, Inc.'s Debt/EBITDA ratio is 1.2x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.