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Fundamental analysis: Ameriprise Financial, Inc. (AMP)

Awarener score: 7.1

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 2.5

• Business has been shrinking at a fast pace. It's been substantially worse when measured against peer companies.
• Ameriprise Financial, Inc. business varies, ups and downs are rather normal. Risk is sufficient. It looks somewhat better than rivals.

Margins score: 8.0

• AMP profit margins -on goods and services sold- are usually sufficient. They stand slightly worse than rival companies.
• Business profit on sales tends to be good. It's weak when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually very good. They remain in a weak position compared to peers.
• Earnings -before income taxes and interests on loans taken- tend to be excellent in relation to total revenues. They're still somewhat worse than similar companies.
• Profits -before income taxes- are usually excellent considering total sales, and remain weak when measured against rivals.
• Total net profit tends to be excellent when confronted to sales. Company stands weak when measured against comparable firms.

Growth score: 6.3

• Ameriprise Financial, Inc. profit -on goods and services sold- has been growing at a very good pace. It's been a slight improvement compared to competitors.
• In recent years, earnings -on operations- have been growing at a very good step, which has been somewhat better than comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a good pace, which compares almost average when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a good tempo. It turns to be a slight improvement compared to similar stocks.
• In past years, profits -before income taxes- grew at a good speed. It was somewhat better than rivals.
• In the previous years, growth on total net profit has been average, and almost average when measured against peer companies.
• The company lost money at least once in the past years. It's been a disappointment compared to industry peers.

Miscellaneous score: 8.0

• AMP managed to pay little to no income taxes on profits made in the past years. It's been slightly worse than peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 8.0

• Ameriprise Financial, Inc. usually gets sufficient returns on the resources it controls. It proves substantially worse when measured against peer firms.
• The company normally gets huge proceeds -on the resources directly invested in the business-. They remain excellent in relation to similar companies.
• Profitability -in relation to owned resources- is usually paramount. It ranks top tier when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's substantially worse when measured against comparable enterprises.

Usage of Funds score: 7.8

• AMP usually uses almost no genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is non-significant. It stands substantially worse when measured against rival firms.
• The company is usually replacing some proportion of the property, plant, and equipment that gets old, saving part of the funds for something else, which is more than average in relation to industry peers.
• In the past twelve months it paid somewhat low dividends, considering the current stock price. It came worse than most competitors.
• In recent years, has slightly cut back dividend payments. The company has behaved lacking compared to similar firms.
• Dividend payments usually represent a non-significant portion of genuine funds generation and are likely very safe. Sustainability looks top-notch against comparable companies.
• The company usually significantly reduces the pool of investors, resulting in fewer mouths feeding on the pie of profits. It remains impressive in relation to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands impressive in relation to rivals.
• The company uses a non-significant portion of genuine fund generation to reward investors. The company is usually improving its financial position, and could greatly boost stockholder rewards if it wished so. It still looks top tier when measured against competitors.

Balance Sheet score: 4.6

• Ameriprise Financial, Inc. has no intangible assets (like brands and goodwill) according to accounting books, which is safest. It happens to be top tier when measured against peer companies.
• The company has lower short-term resources than short-term obligations. Unless it's part of the business model, there might be liquidity concerns. It turns to be in a very weak position compared to similar firms.
• Very few resources controlled were provided for with financial debt. Financial strength is very solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains well ranked against rival firms.
• Controlled resources might be only very slowly turned into cash and equivalents, which is riskier. It looks weak when measured against rivals.
• For every dollar of short-term obligations, the company has almost another of cash and short-term receivables. It's in a very weak position compared to peer firms.
• For every dollar of short-term obligations, the company has few cents of cash and equivalents, which is worse than most similar enterprises.
• Usually, sales are on many months credit. It still ranks last-in-rank when measured against peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Net interest expenses consume a minor portion of usual business earnings, and are easily bearable. It stands slightly worse than rival firms.
• Business earnings have usually been very good when measured against loans taken. Cutting back reinvesting in the business, it could take less than two years to repay the obligations with current profitability. It ranks encouraging in relation to comparable enterprises.
• Fixed assets turnover remains undisclosed. It looks we cannot relate it to similar firms.
• Resource exploitation is very low when yearly sales are considered, business volume must be greatly increased. This metric is normally tied to the industry where the firm belongs. It's still slightly worse than peer companies.

Valuation score: 6.4

• Ameriprise Financial, Inc. looks cheap in relation to profits and financial position. It happens to be encouraging in relation to competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains in a weak position compared to peers.
• In the past twelve months, the company consumed funds. Either it reinvested in the business or genuine fund generation might be challenging, which stands worse than most similar companies.
• The company usually generates plenty more genuine funds to cover up for its business needs. Surplus cash may be used to repay loans, to eventually buy new businesses, or to reward investors. Considering the financial position and stock price, at the current price the share looks to be very attractive. It's still top tier when measured against industry firms.
• In the past twelve months, the company has slightly rewarded investors, considering both dividends and share on the pie of earnings. It came up rather normal in relation to peer ventures.
• The company has substantial more cash than debt. It might be poised to increase stockholder payments, or to fund new business projects. It looks well ranked against similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation might be more or less reasonable, but hardly cheap. It ranks almost average when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a high relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks a slight improvement compared to rival firms.
• The relation between the stock price and accounting book value is extremely high, which may be good or bad depending on context. Run again in analytic mode if you want to dig deeper. The company remains worse than most peer firms.
• In the past twelve months, the operating business earned great money when compared to the current stock price and financial position. It happens to be similar to industry peers.
• In an alternate metric of bang for the buck, the company has usually shown an excellent earnings power ability when measured against the current stock price and financial position. Further analysis is recommended, as the stock might currently be undervalued. It's still rather normal in relation to peer companies.

Total score: 6.4

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Awarener score: 7.1

Conclusion

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