Stock fact sheet · data as of
Ameriprise Financial, Inc. (AMP): fair value, margin of safety and Wheel Score
Ticker symbol AMP · Financial Services · Asset Management · United States · Blend
Is AMP undervalued?
At 527.41 (close of 5 Nov 2026), AMP trades 59% below the GLS average fair value of 1,276.13. 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 3,176.55. 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for AMP, so the nightly engine files it under Blend (value score 50, growth score 55, out of 100).
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 | 573.56 | +9% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 242.25 | -54% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 1,662.24 | +215% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 654.12 | +24% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2,669.17 | +406% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 1,898.03 | +260% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 3,176.55 | +502% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 97.11 | -82% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 512.12 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,176.55 | -323% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 547.20 | +4% | 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 "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.8 out of 10 - high returns on capital, steady margins and growth that held up through bad years point 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 16.1%.
The dividend yield is 1.25% with a payout ratio of 11% - 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 18%, Asset Management 18% (quarter Q3 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 | 7.8 / 10 | ROE | 54.4% |
| Debt / equity | 0.90 | ROA | 1.9% |
| Free-cash-flow yield | 16.1% | Payout ratio | 11% |
| Institutions | 10 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 79: Good
AMP scores 79 out of 100 on the Wheel Score (Good band, 70-84): it passes all 9 Wheel Trade Filters. How it ranks: value strong, premium fair, moat good, health good, red flags good, option trading fair, stability strong; Option trading (fair) holds it back.
Implied volatility is 28% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is 5,705 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 594k shares a day on a market cap of $45.8B, with a beta of 1.12; the Stability part of the Wheel Score rates that strong.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 59% below fair value | |
| Premium | Fair | implied volatility 28% | |
| Moat | Good | moat 7.8/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Good | Red Flags score 87/100 | |
| Option trading | Fair | 1,641 contracts a day, 5,705 open interest | |
| Stability | Strong | beta 1.12, $45.8B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 9 Nov 2026 (1.70 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Analysts downgraded AMP 1 time in the last 30 days with no upgrades; the latest action was a downgrade by Bank of America Securities on 19 Oct 2026.
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 |
|---|---|---|---|---|---|
| ARES Ares Management Corporation | 136.85 | 74.31 | -84% | 43Weak | $44.9B |
| STT State Street Corporation | 173.41 | 261.67 | +34% | 48Weak | $47.2B |
| RNNEX American Funds The New Economy Fund Class R-2E | 77.44 | 48.86 | -58% | 18No options | $50.5B |
| FFFEX Fidelity Freedom 2030 Fund | 20.52 | 0.7953 | -2480% | 15No options | $34.1B |
| FFTHX Fidelity Freedom 2035 Fund | 18.79 | 16.33 | -15% | 14No options | $34.0B |
| RJF Raymond James Financial, Inc. | 168.69 | 294.65 | +43% | 81Good | $32.4B |
| NTRS Northern Trust Corporation | 178.02 | 304.08 | +41% | 80Good | $32.2B |
| NTRSO Northern Trust Corporation | 17.77 | 117.23 | +85% | 38No options | $31.9B |
| JUEZX JPMorgan U.S. Equity Fund Class R2 | 27.99 | 125.21 | +78% | 29No options | $31.7B |
| JMUEX JPMorgan U.S. Equity Fund | 28.75 | 766.25 | +96% | 29No options | $31.7B |
| JUESX JPMorgan U.S. Equity Fund Class I | 28.66 | 128.70 | +78% | 29No options | $31.7B |
| APOS Apollo Global Management, Inc. | 25.48 | 266.64 | +90% | 34No options | $72.5B |
⚖ Compare AMP with 7 of them All Financial Services stocks →
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A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about AMP
Is AMP undervalued right now?
By the GLS models, yes: at 527.41 the stock is 59% below the average fair value of 1,276.13 (data as of 5 Nov 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 79 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for AMP?
1,276.13 per share as of 5 Nov 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 28 Jan 2027, 84 days from the data date of 5 Nov 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 152 listed contracts with 5,705 open interest across all expiries and implied volatility of 28% 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.