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AMP

HOLD

Ameriprise Financial, Inc.

Financial Services · Rank #101 · Analyzed Apr 20, 2026

$456.20

Current Price

$494.78

Intrinsic Value

+30.1%

Upside/Downside

5.9/10

Score

4/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree
Quality Score4/5.0
Framework RatingHOLD
Price vs Intrinsic ValueUndervalued by 30.1%

Fair Value Range

Low$57.77
Base (IV)$494.78
High$593.74

Entry Points

Conservative$57.77
Moderate$276.28
Aggressive$494.78

⚠️ Warnings

  • Unusually high FCF yield (15%) — DCF may be unreliable
  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity60.5% → 1.0/1.0
Debt LevelD/E 58 → 0.5/1.0
Revenue QualityGrowth 7.0%, margin Δ+0.0% → 0.5/1.0
Moat Strength4.0/5 → 1.0/1.0
Profit Margins18.8% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.