Ameriprise Financial Inc (AMP) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Ameriprise Financial Inc stock $610, price $509, upside +19.7%, quality 66 out of 100. Rating: undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
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Ameriprise Financial Inc
AMP · USThe stock costs 16% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $209.91 – $570.68 · fair‑value band $400.16 – $849.62 · the $509.32 price screens below the $609.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Ameriprise Financial, Inc., together with its subsidiaries, operates as a diversified financial services company in the United States and internationally. The company offers financial planning and advice services to individual and institutional clients.
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It operates through Advice & Wealth Management, Asset Management, Retirement & Protection Solutions, Corporate & Other segments.
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 network, direct retail, and its institutional sales force under the Columbia Threadneedle Investments brand name.
Its 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.
Ameriprise Financial, Inc. was formerly known as American Express Financial Corporation and changed its name to Ameriprise Financial, Inc. in September 2005. The company was founded in 1894 and is based in Minneapolis, Minnesota.
Stock analysis
Ameriprise Financial Inc (AMP) currently trades at $509.32, while our model-based Fair Value estimate is $609.56, implying the stock looks roughly 16% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $639.69 per share, and 8 of the 13 models we run sit above the $509.32 price.
Bear case: the Earnings-Based group reads lowest at $233.53, and 5 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: $400.16 (bear) to $849.62 (bull), the price of $509.32 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Ameriprise Financial Inc reported revenue of $18.9B in FY2025 versus $13.4B in FY2021, a compound +9.0%/yr. Reported net income was $3.6B in FY2025, compounding +1.1%/yr from FY2021.
Key figures
Market cap $47.3B Large · P/E ratio 11.5 · P/S ratio 2.35 · EPS (TTM) $44.43 · Dividend yield 1.3% · Net margin 20.7% · Return on equity 72.0% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (medium confidence).
What moves the price
The share trades about 11% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −26% fair-value upside, at 20%, AMP screens cheaper than that median.
Fair Value models
All 13 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 7 officers or directors sold shares worth $29.7M and none bought.
- SaleDawn M. BrockmanSVP AND CONTROLLER472 shares at $558.93$263,815Aug 10, 2026
- SaleDeirdre Davey McGrawEVP Mktg, Strat. & Comms.2,400 shares at $558.28$1.3MAug 6, 2026
- SaleJames M CracchioloCHAIRMAN AND CEO, Director2× since Feb 4, 2026: 66,833 shares, avg. $545.09$36.4MJul 28, 2026
- SaleWalter Stanley BermanEXECUTIVE VP AND CFO2× since Feb 5, 2026: 18,012 shares, avg. $547.11$9.9MJul 28, 2026
- SaleWilliam Jerryl WilliamsPres, Wealth Mgmt Advisor Grp16,104 shares at $538.24$8.7MJul 28, 2026
- SaleGerard P. SmythEVP & Hd. of Tech. & Serv. Del6,255 shares at $472.52$3.0MMay 14, 2026
- SaleRobert Francis Sharpe JRDirector2× since Nov 21, 2025: 2,700 shares, avg. $457.56$1.2MMay 8, 2026
- SaleWilliam F TruscottCEO, GLOBAL ASSET MANAGEMENT5,000 shares at $532.08$2.7MFeb 10, 2026
- SaleGumer AlveroPRESIDENT-INSURANCE&ANNUITIES4,658 shares at $542.88$2.5MFeb 9, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
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Recent news
- Ameriprise Financial Mobilizes Employees, Advisors and Clients to Support Hunger-Relief Organizations Ahead of the Holiday Season
- Experienced Advisor with Over $190 Million in Assets Returns to Ameriprise Citing Financial Planning Capabilities, Technology and a Vision f
- Ameriprise Financial Chief Financial Officer to Present at the 2026 BMO Financials Conference
- AMP Q3 deep dive: advisor productivity and tech investments drive stable results amid competitive recruiting
Compare Ameriprise Financial Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 592 stocks
Valuation Multiplesvs Asset Management median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Exor N.V EXO | €73.35 | €139.37 | +90% | vs AMP |
| Raymond James Financial, Inc RJF | $164.82 | $281.42 | +71% | vs AMP |
| Apollo Global Management, Inc APO | $117.27 | $197.52 | +68% | vs AMP |
| State Street Corporation STT | $165.23 | $139.37 | −16% | vs AMP |
| Ares Management Corporation ARES | $133.72 | $99.35 | −26% | vs AMP |
| Northern Trust Corporation NTRS | $171.39 | $123.42 | −28% | vs AMP |
| Principal Financial Group PFG | $112.82 | $52.47 | −53% | vs AMP |
| Blackstone Inc BX | $119.82 | $52.29 | −56% | vs AMP |
| Brookfield Corporation BN | $41.76 | $13.42 | −68% | vs AMP |
| KKR & Co KKR | $98.30 | $27.32 | −72% | vs AMP |
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Key figures of Ameriprise Financial Inc
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