Stock fact sheet · data as of
Ameriprise Financial, Inc. (AMP): fair value, margin of safety and Wheel Score
Financial Services · Asset Management · United States · Value
Is AMP undervalued?
At 502.58 (close of 16 Oct 2026), AMP trades 60% below the GLS average fair value of 1,255.06. That average comes from 9 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Ameriprise Financial, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 97.11 while Payback Time gives 3,392.70. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files AMP under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for AMP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 549.95 | +9% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 259.04 | -48% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 1,488.20 | +196% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 578.24 | +15% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2,444.95 | +386% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 2,007.45 | +299% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 3,392.70 | +575% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 97.11 | -81% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 477.85 | -5% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,155.15 | -330% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 540.86 | +8% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - AMP passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 8.2 out of 10, built from ten years of revenue, earnings, margins, cash flow, share count and returns on capital scored for consistency - a high reading that points to a durable business.
Returns on capital are high - ROIC 28.7%, ROE 54.4%, ROA 1.9% - with debt at 0.90 times equity and a free-cash-flow yield of 18.1%.
The dividend yield is 1.31% with a payout ratio of 15% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Advice and Wealth Management 63%, Retirement and Protection Solutions 19%, Asset Management 18% (quarter Q2 FY2026).
Institutional ownership scores 10/10, insider activity 3/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 28.7% |
|---|---|---|---|
| GLS Moat | 8.2 / 10 | ROE | 54.4% |
| Debt / equity | 0.90 | ROA | 1.9% |
| Free-cash-flow yield | 18.1% | Payout ratio | 15% |
| Institutions | 10 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 85: Prime
AMP scores 85 out of 100 on the Wheel Score, in the Prime band (80 and above), which fewer than one stock in twenty reaches on any night. The score blends five things a wheel trader checks before selling a cash-secured put: the margin of safety (Value, 25/25), Piotroski health (13/20), the GLS moat (12/15), the option premium on offer (18/20) and how easily the stock trades (16/20).
Implied volatility is 33% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (18 of 20 points). Chain open interest is 5,895 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 490k shares a day on a market cap of $44.4B, with a beta of 1.16; the Stability part of the Wheel Score gives that 16 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 60% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 12 / 15 | moat 8.2/10 | |
| Premium | 18 / 20 | implied volatility 33% | |
| Stability | 16 / 20 | 490k shares/day, $44.4B cap, beta 1.16 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Ameriprise Financial, Inc. reports earnings on 29 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Asset Management
The 12 companies below are the closest to Ameriprise Financial, Inc. by market cap within the Asset Management industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| STT State Street Corporation | 166.89 | 250.45 | +33% | 79Good | $45.8B |
| RNNEX American Funds The New Economy Fund Class R-2E | 79.19 | 49.06 | -61% | 39No options | $48.9B |
| ARES Ares Management Corporation | 114.03 | 89.83 | -27% | 60Fair | $37.4B |
| FFFEX Fidelity Freedom 2030 Fund | 20.44 | 76.52 | +73% | 39No options | $33.7B |
| FFTHX Fidelity Freedom 2035 Fund | 18.75 | 16.33 | -15% | 33No options | $33.5B |
| JUEZX JPMorgan U.S. Equity Fund Class R2 | 27.85 | 127.21 | +78% | 39No options | $31.0B |
| JMUEX JPMorgan U.S. Equity Fund | 28.60 | 763.72 | +96% | 39No options | $31.0B |
| JUESX JPMorgan U.S. Equity Fund Class I | 28.51 | 130.70 | +78% | 39No options | $31.0B |
| NTRS Northern Trust Corporation | 165.44 | 244.05 | +32% | 85Prime | $30.3B |
| NTRSO Northern Trust Corporation | 18.37 | 89.20 | +79% | 39No options | $30.3B |
| RJF Raymond James Financial, Inc. | 157.25 | 309.84 | +49% | 86Prime | $30.2B |
| APOS Apollo Global Management, Inc. | 25.26 | 114.73 | +78% | 39No options | $66.0B |
⚖ Compare AMP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AMP
Is AMP undervalued right now?
By the GLS models, yes: at 502.58 the stock is 60% below the average fair value of 1,255.06 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of AMP and what does it mean?
AMP scores 85 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for AMP?
1,255.06 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Ameriprise Financial, Inc. report earnings next?
The next earnings report is due on 29 Oct 2026 (before the open), 13 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does AMP have listed options, and how liquid are they?
Yes. The nightly snapshot found 380 listed contracts with 5,895 open interest across all expiries and implied volatility of 33% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.