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AMP Limited (AMLTF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of AMP Limited $0.86, price $1.30, upside -33.9%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
AMP Limited
AMLTF · USWeak valuationQuality is weak on top of the rich price.
!Fair value $0.8600 · Overvalued (−33.9%)
!Quality 36/100
!Mixed Growth (revenue 3y +28.0 %/yr)
!Thin margins · 4.8% net margin (TTM)
!Moderate debt · negative free cash flow
!3.1% dividend yield · Watch coverage
!Narrow moat 39/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.4861 – $3.07 · fair‑value band $0.6400 – $1.07 · the $1.30 price screens above the $0.8600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
AMP Limited provides banking, super, and retirement services in Australia and New Zealand. The company operates through Platforms, Superannuation & Investments, AMP Bank, New Zealand Wealth Management (NZWM), and Group segments. It provides superannuation, retirement, and investment solutions; pension solutions; and AMP Super, a retail master trust.
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AMP Limited provides banking, super, and retirement services in Australia and New Zealand. The company operates through Platforms, Superannuation & Investments, AMP Bank, New Zealand Wealth Management (NZWM), and Group segments. It provides superannuation, retirement, and investment solutions; pension solutions; and AMP Super, a retail master trust. The company also offers residential mortgages, business financing, deposits and transactional banking services; and wealth management solutions, such as KiwiSaver, corporate superannuation, retail investments, and general insurance. AMP Limited was founded in 1849 and is based in Sydney, Australia.
Stock analysis
AMP Limited (AMLTF) currently trades at $1.30, while our model-based Fair Value estimate is $0.8600, 33.9% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $0.6400 (bear) to $1.07 (bull), the price of $1.30 sits above 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 36/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
AMP Limited reported revenue of A$1.7B in FY2025 versus A$2.5B in FY2021, a compound −9.1%/yr. Reported net income was A$133M in FY2025.
Key figures
Market cap $3.3B · P/E ratio 32.5 · P/S ratio 2.57 · EPS (TTM) $0.0400 · Dividend yield 3.1% · Net margin 7.9% · Return on equity 3.6% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −34%, AMLTF screens richer than that median.
Fair Value models
Bear $0.6400
Fair Value $0.8600
Bull $1.07
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
P/B Multiple
$0.6700
$0.9000
$1.12
55
NCAV (Graham)
$0.5300
$0.7100
$1.05
54
All 2 models by family
Multiples
P/B Multiple
$0.6700
$0.9000
$1.12
55
Asset-Based
NCAV (Graham)
$0.5300
$0.7100
$1.05
54
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Set up alert →Quality Score breakdown
Overall quality
36/100
Of which business quality 31 · Market factors (momentum, volatility) 75
Profitability
18
Margins and returns on capital today
Quality Growth
42
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
12
Balance sheet, leverage, solvency risk
Investment
96
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
86
Price trend over the last 3–12 months (market factor)
52W Momentum
87
Distance to the 52-week high (market factor)
Net Issuance
67
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+96.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.0%
Revenue growth 28 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.4%
’13
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’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
−3.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.3%
Dividend (yield on the price)3.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−5.8% vs −14.3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.43% → 13%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 18.8%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
AMLTF screens overvalued: fair value 34% below the price. Compare with ORIX Corporation →
Compare AMP Limited with another stock
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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.Financial Conglomerates · 53 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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.
None of the checked exposures detected
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $39.19 | $66.33 | +69% |
| Yuanta Financial Holding 2885 | 69.20 TWD | 20.87 TWD | −70% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹1,733 | ₹796.21 | −54% |
| China Galaxy Securities Co 601881 | ¥11.86 | ¥11.49 | −3% |
| Guosen Securities Co 002736 | ¥9.84 | ¥10.90 | +11% |
| CNPC Capital Company 000617 | ¥6.67 | ¥7.03 | +5% |
| Aditya Birla Capital Limited ABCAPITAL | ₹390.00 | ₹226.72 | −42% |
| Freedom Holding FRHC | $169.98 | $23.80 | −86% |
| Voya Financial, Inc VOYA | $97.27 | $46.47 | −52% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.26 | ¥5.63 | −22% |
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Frequently asked questions
Is AMP Limited (AMLTF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.8600 versus a price of $1.30, about −34% upside (overvalued).
What is the fair value of AMLTF?
Our model-based fair value for AMP Limited is $0.8600 (as of Sep 24, 2026), built from audited fundamentals. The current price: $1.30.
What is the quality score of AMLTF?
AMP Limited has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AMP Limited (AMLTF)?
Our model-based price target is the fair value of $0.8600 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario $0.6400, optimistic scenario $1.07. It is a calculation from audited fundamentals, not an analyst target.
What is the AMP Limited stock forecast for 2026?
Our models put fair value at $0.8600, about −34% upside versus a price of $1.30 (overvalued). Cautious scenario $0.6400, optimistic scenario $1.07. The calculation is refreshed regularly with new filings.
What is the revenue of AMP Limited (AMLTF)?
AMP Limited reported trailing-twelve-month revenue of about A$2.8B (latest available figure, as of Sep 24, 2026).
Does AMP Limited pay a dividend?
AMP Limited currently shows a dividend yield of about 3.08% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of AMP Limited (AMLTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AMP Limited it is $0.8600 per share (as of Sep 24, 2026), against a price of $1.30. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is AMP Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AMLTF trades above its calculated fair value: price $1.30, fair value $0.8600, a gap of about −34% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AMLTF?
No. The price is what the market pays today ($1.30); the fair value is what the company's own numbers justify ($0.8600). For AMP Limited the two are $0.4400 per share apart. That gap is exactly why we show both numbers side by side.
How much is AMP Limited worth?
The market values AMP Limited at about $3.3B (market capitalisation, as of Sep 24, 2026). Per share that is $1.30; our models calculate a fair value of $0.8600 per share.
What do the bullish and bearish scenarios say about AMLTF?
Our models span a range for AMP Limited: cautious scenario $0.6400, base $0.8600, optimistic $1.07 per share (as of Sep 24, 2026, price $1.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AMLTF?
AMP Limited trades at a price-to-earnings ratio of 32.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.8600 is built from several models across several years. Other multiples: P/B 0.6, P/S 0.8, EV/EBITDA 3.3.
How solid is the balance sheet of AMP Limited (AMLTF)?
Balance-sheet figures for AMP Limited (as of Sep 24, 2026): return on equity 3.6%, debt of 1.26 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
Which stocks are comparable to AMP Limited?
From the same area (Financial Services) we also value ORIX Corporation, Yuanta Financial Holding, Bajaj Finserv Ltd, China Galaxy Securities Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AMP Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $1.30, calculated fair value $0.8600 (−34%), Quality Score 36/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AMLTF calculated?
We run AMP Limited through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.8600, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. AMP Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AMP Limited (AMLTF)?
The closing price on Oct 2, 2026 was $1.30. Our model-based fair value is $0.8600, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AMP Limited right now?
The price sits above even our optimistic bull case ($1.07). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of AMP Limited (AMLTF) come from?
Earnings per share at AMP Limited grew −11.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share −19.2 %, EBIT margin +17.3 %, tax rate +6.2 %, residual (interest, one-offs) −12.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of AMP Limited
How large is the market capitalisation of AMP Limited (AMLTF)?
The market capitalisation of AMP Limited is $3.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AMP Limited (AMLTF)?
The price-to-sales ratio of AMP Limited is 2.57 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AMP Limited (AMLTF)?
Earnings per share at AMP Limited are $0.0400 (price ÷ EPS = P/E 32.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AMP Limited (AMLTF)?
The dividend yield of AMP Limited is 3.1% (payout 100%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of AMP Limited (AMLTF)?
The net margin of AMP Limited is 7.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AMP Limited (AMLTF)?
The return on equity (ROE) of AMP Limited is 3.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AMP Limited (AMLTF)?
On an EBIT basis the return on assets of AMP Limited is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AMP Limited (AMLTF)?
The operating margin of AMP Limited is 55.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AMP Limited (AMLTF)?
Revenue at AMP Limited is growing −2.6% versus a year earlier (3y avg +28.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does AMP Limited (AMLTF) generate?
The free cash flow of AMP Limited is −A$1.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AMP Limited (AMLTF) carry?
The net debt of AMP Limited is A$28.4B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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