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Ameriprise Financial

DB:A4S
Snowflake Description

Solid track record established dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
A4S
DB
$19B
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Ameriprise Financial, Inc., through its subsidiaries, provides various financial products and services to individual and institutional clients in the United States and internationally. The last earnings update was 50 days ago. More info.


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A4S Share Price and Events
7 Day Returns
3.1%
DB:A4S
3.5%
DE Capital Markets
2.5%
DE Market
1 Year Returns
9%
DB:A4S
-13.5%
DE Capital Markets
-6.7%
DE Market
A4S Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Ameriprise Financial (A4S) 3.1% 11.9% 19.6% 9% 46.1% 67.3%
DE Capital Markets 3.5% -0% 6% -13.5% -18.5% -48%
DE Market 2.5% 3.3% 9.2% -6.7% 9% 13.5%
1 Year Return vs Industry and Market
  • A4S outperformed the Capital Markets industry which returned -13.5% over the past year.
  • A4S outperformed the Market in Germany which returned -6.7% over the past year.
Price Volatility
A4S
Industry
5yr Volatility vs Market

A4S Value

 Is Ameriprise Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Ameriprise Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Ameriprise Financial.

DB:A4S Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 7 analysts.
= Stable Book Value * Return on Equity
= $46.85 * 38.7%
$18.15
Book Value of Equity per Share Weighted future Book Value estimates from 5 analysts. $46.85
Discount Rate (Cost of Equity) See below 5.8%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:A4S
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.73
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.734 (1 + (1- 21%) (26.99%))
0.927
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.93
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (0.927 * 5.96%)
5.75%

Discounted Cash Flow Calculation for DB:A4S using Excess Returns Model Model

The calculations below outline how an intrinsic value for Ameriprise Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:A4S Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (38.7% – 5.75%) * $46.85)
$15.46
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $15.46 / (5.75% - 0.23%)
$279.91
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $46.85 + $279.91
$326.76
DB:A4S Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:A4S represents 0.89215x of NYSE:AMP
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.89215x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 326.76 x 0.89215
€291.52
Value per share (EUR) From above. €291.52
Current discount Discount to share price of €127.80
= -1 x (€127.80 - €291.52) / €291.52
56.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Ameriprise Financial is available for.
Intrinsic value
>50%
Share price is €127.8 vs Future cash flow value of €291.52
Current Discount Checks
For Ameriprise Financial to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Ameriprise Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Ameriprise Financial's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Ameriprise Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Ameriprise Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:A4S PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $14.41
NYSE:AMP Share Price ** NYSE (2019-04-18) in USD $143.25
Germany Capital Markets Industry PE Ratio Median Figure of 17 Publicly-Listed Capital Markets Companies 18.05x
Germany Market PE Ratio Median Figure of 421 Publicly-Listed Companies 19.69x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Ameriprise Financial.

DB:A4S PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:AMP Share Price ÷ EPS (both in USD)

= 143.25 ÷ 14.41

9.94x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ameriprise Financial is good value based on earnings compared to the DE Capital Markets industry average.
  • Ameriprise Financial is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Ameriprise Financial's expected growth come at a high price?
Raw Data
DB:A4S PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.94x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts
1.6%per year
Germany Capital Markets Industry PEG Ratio Median Figure of 7 Publicly-Listed Capital Markets Companies 1.27x
Germany Market PEG Ratio Median Figure of 270 Publicly-Listed Companies 1.58x

*Line of best fit is calculated by linear regression .

DB:A4S PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 9.94x ÷ 1.6%

6.07x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ameriprise Financial is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Ameriprise Financial's assets?
Raw Data
DB:A4S PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $40.99
NYSE:AMP Share Price * NYSE (2019-04-18) in USD $143.25
Germany Capital Markets Industry PB Ratio Median Figure of 30 Publicly-Listed Capital Markets Companies 1.94x
Germany Market PB Ratio Median Figure of 570 Publicly-Listed Companies 1.87x
DB:A4S PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:AMP Share Price ÷ Book Value per Share (both in USD)

= 143.25 ÷ 40.99

3.49x

* Primary Listing of Ameriprise Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ameriprise Financial is overvalued based on assets compared to the DE Capital Markets industry average.
X
Value checks
We assess Ameriprise Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Ameriprise Financial has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

A4S Future Performance

 How is Ameriprise Financial expected to perform in the next 1 to 3 years based on estimates from 8 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
1.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Ameriprise Financial expected to grow at an attractive rate?
  • Ameriprise Financial's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Ameriprise Financial's earnings growth is positive but not above the Germany market average.
  • Ameriprise Financial's revenue growth is positive but not above the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:A4S Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:A4S Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts 1.6%
DB:A4S Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 8 Analysts 1.4%
Germany Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 28.2%
Germany Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 3.3%
Germany Market Earnings Growth Rate Market Cap Weighted Average 11.7%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:A4S Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:A4S Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 13,527 2
2020-12-31 13,011 2,146 4
2019-12-31 12,513 2,048 4
DB:A4S Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 12,924 2,597 2,098
2018-09-30 12,805 1,631 1,736
2018-06-30 12,515 1,526 1,740
2018-03-31 12,323 1,487 1,671
2017-12-31 12,180 1,523 1,480
2017-09-30 12,062 1,510 1,703
2017-06-30 12,046 1,572 1,411
2017-03-31 11,901 1,743 1,353
2016-12-31 11,839 2,331 1,313
2016-09-30 11,768 2,691 1,271
2016-06-30 11,651 2,557 1,453
2016-03-31 11,900 2,275 1,533

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Ameriprise Financial's earnings are expected to grow by 1.6% yearly, however this is not considered high growth (20% yearly).
  • Ameriprise Financial's revenue is expected to grow by 1.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:A4S Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below

All data from Ameriprise Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:A4S Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 18.94 18.94 18.94 1.00
2020-12-31 17.07 17.82 16.06 3.00
2019-12-31 15.00 15.49 14.17 4.00
DB:A4S Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 14.41
2018-09-30 11.73
2018-06-30 11.60
2018-03-31 10.99
2017-12-31 9.60
2017-09-30 10.88
2017-06-30 8.86
2017-03-31 8.32
2016-12-31 7.90
2016-09-30 7.46
2016-06-30 8.33
2016-03-31 8.60

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Ameriprise Financial is expected to make outstanding use of shareholders’ funds in the future (Return on Equity greater than 40%).
X
Future performance checks
We assess Ameriprise Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Ameriprise Financial has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

A4S Past Performance

  How has Ameriprise Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Ameriprise Financial's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Ameriprise Financial's year on year earnings growth rate has been positive over the past 5 years.
  • Ameriprise Financial's 1-year earnings growth exceeds its 5-year average (41.8% vs 3.7%)
  • Ameriprise Financial's earnings growth has exceeded the DE Capital Markets industry average in the past year (41.8% vs 20.3%).
Earnings and Revenue History
Ameriprise Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Ameriprise Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:A4S Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 12,924.00 2,098.00 3,152.00
2018-09-30 12,805.00 1,736.00 3,085.00
2018-06-30 12,515.00 1,740.00 3,072.00
2018-03-31 12,323.00 1,671.00 3,058.00
2017-12-31 12,180.00 1,480.00 3,153.00
2017-09-30 12,062.00 1,703.00 3,080.00
2017-06-30 12,046.00 1,411.00 3,031.00
2017-03-31 11,901.00 1,353.00 3,004.00
2016-12-31 11,839.00 1,313.00 3,061.00
2016-09-30 11,768.00 1,271.00 2,992.00
2016-06-30 11,651.00 1,453.00 3,005.00
2016-03-31 11,900.00 1,533.00 3,057.00
2015-12-31 12,193.00 1,562.00 3,077.00
2015-09-30 12,184.00 1,631.00 3,063.00
2015-06-30 12,409.00 1,654.00 3,076.00
2015-03-31 12,360.00 1,613.00 3,089.00
2014-12-31 12,296.00 1,621.00 3,095.00
2014-09-30 12,153.00 1,493.00 3,099.00
2014-06-30 11,856.00 1,454.00 3,072.00
2014-03-31 11,534.00 1,402.00 3,042.00
2013-12-31 11,230.00 1,337.00 3,056.00
2013-09-30 10,961.00 1,427.00 3,000.00
2013-06-30 10,619.00 1,220.00 2,979.00
2013-03-31 10,386.00 1,122.00 2,941.00
2012-12-31 10,259.00 1,031.00 3,029.00
2012-09-30 10,168.00 866.00 2,861.00
2012-06-30 10,156.00 1,014.00 2,895.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Ameriprise Financial has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Ameriprise Financial used its assets less efficiently than the DE Capital Markets industry average last year based on Return on Assets.
  • Ameriprise Financial has improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Ameriprise Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Ameriprise Financial has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

A4S Health

 How is Ameriprise Financial's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Ameriprise Financial's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Ameriprise Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Ameriprise Financial's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Ameriprise Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 2.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Ameriprise Financial Company Filings, last reported 3 months ago.

DB:A4S Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 5,588.00 5,235.00 3,893.00
2018-09-30 5,618.00 5,044.00 3,095.00
2018-06-30 5,632.00 5,036.00 3,298.00
2018-03-31 5,840.00 5,768.00 3,020.00
2017-12-31 5,995.00 5,713.00 3,724.00
2017-09-30 6,305.00 5,786.00 3,705.00
2017-06-30 6,250.00 5,867.00 3,827.00
2017-03-31 6,227.00 5,916.00 3,319.00
2016-12-31 6,292.00 6,425.00 4,264.00
2016-09-30 6,796.00 7,507.00 4,992.00
2016-06-30 7,089.00 7,267.00 6,990.00
2016-03-31 7,093.00 7,165.00 5,963.00
2015-12-31 8,379.00 11,392.00 4,799.00
2015-09-30 8,821.00 12,345.00 5,884.00
2015-06-30 8,996.00 11,631.00 4,684.00
2015-03-31 9,259.00 11,289.00 5,625.00
2014-12-31 9,305.00 11,265.00 5,059.00
2014-09-30 9,340.00 10,861.00 4,668.00
2014-06-30 9,677.00 10,701.00 4,445.00
2014-03-31 9,445.00 10,608.00 4,361.00
2013-12-31 9,232.00 10,628.00 4,535.00
2013-09-30 9,169.00 10,243.00 5,107.00
2013-06-30 8,982.00 9,633.00 5,015.00
2013-03-31 9,617.00 9,458.00 5,135.00
2012-12-31 9,712.00 9,371.00 5,141.00
2012-09-30 9,821.00 9,907.00 6,296.00
2012-06-30 9,613.00 9,703.00 5,522.00
  • Ameriprise Financial's level of debt (93.7%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (115.1% vs 93.7% today).
  • Debt is well covered by operating cash flow (49.6%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 3.5x coverage).
X
Financial health checks
We assess Ameriprise Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Ameriprise Financial has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

A4S Dividends

 What is Ameriprise Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.51%
Current annual income from Ameriprise Financial dividends. Estimated to be 2.81% next year.
If you bought €2,000 of Ameriprise Financial shares you are expected to receive €50 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Ameriprise Financial's pays a higher dividend yield than the bottom 25% of dividend payers in Germany (1.44%).
  • Ameriprise Financial's dividend is below the markets top 25% of dividend payers in Germany (3.74%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:A4S Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
Germany Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 2.4%
Germany Market Average Dividend Yield Market Cap Weighted Average of 324 Stocks 3%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.9%
Germany Bottom 25% Dividend Yield 25th Percentile 1.4%
Germany Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:A4S Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 4.48 4.00
2020-12-31 4.05 7.00
2019-12-31 3.79 8.00
DB:A4S Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-30 3.600 2.763
2018-10-23 3.600 3.052
2018-07-24 3.600 2.521
2018-04-23 3.600 2.547
2018-01-24 3.320 2.148
2017-10-24 3.320 2.000
2017-07-25 3.320 2.306
2017-04-24 3.320 2.589
2017-02-01 3.000 2.338
2016-10-25 3.000 2.758
2016-07-26 3.000 3.051
2016-05-05 3.000 3.134
2016-04-27 3.000 3.106
2016-01-27 2.680 2.985
2015-10-21 2.680 2.504
2015-07-22 2.680 2.346
2015-04-22 2.680 2.115
2015-01-28 2.320 1.755
2014-10-28 2.320 1.788
2014-07-29 2.320 1.919
2014-04-28 2.320 2.000
2014-02-04 2.080 1.928
2013-10-29 2.080 1.924
2013-07-24 2.080 2.282
2013-04-22 2.080 2.582
2013-01-30 1.800 2.553
2012-10-24 1.800 2.902
2012-07-25 1.400 2.523
2012-04-23 1.400 2.805
2011-12-07 1.120 2.100
2011-10-24 0.920 2.033
2011-07-26 0.920 2.129
2011-04-26 0.920 1.580
2011-04-25 0.920 1.490
2011-02-02 0.720 1.164
2010-10-27 0.720 1.284
2010-07-28 0.720 1.557
2010-05-04 0.720 1.819
2010-04-27 0.720 1.548
2010-02-03 0.680 1.579
2009-10-21 0.680 1.757
2009-07-23 0.680 2.199
2009-04-21 0.680 2.647
2009-04-20 0.680 2.835

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Ameriprise Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (4.1x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (4.5x coverage).
X
Income/ dividend checks
We assess Ameriprise Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Ameriprise Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Ameriprise Financial has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

A4S Management

 What is the CEO of Ameriprise Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jim Cracchiolo
COMPENSATION $25,742,524
AGE 59
TENURE AS CEO 13.6 years
CEO Bio

Mr. James M. Cracchiolo, also known as Jim, has been the Chief Executive Officer and Chairman at Ameriprise Financial, Inc. (formerly, American Express Financial Corporation) since September 30, 2005. He has been a Director of Ameriprise Financial, Inc. since September 30, 2005. Prior to the Spin-Off, Mr. Cracchiolo served as Chairman and Chief Executive Officer of Ameriprise Financial, Inc. since March 2001 and as its President and Chief Executive Officer since November 2000 and Group President of Global Financial Services of American Express since June 2000 till 2005. He served as Chairman and Chief Executive Officer of American Express Financial Advisor since March 2001 and previously served as its President and Chief Executive Officer since June 2000. Mr. Cracchiolo served as Chairman and CEO of American Express Financial Advisors. Mr. Cracchiolo served as President, Chairman and Chief Executive Officer of American Express International Inc. He served as President and Chief Executive Officer of American Express Travel Related Services Company Inc. from May 1998 to 2003. Prior thereto he had been President, Global Network Services of American Express Travel Related Services Company, Inc. since February 1997 till 1998. He served as Senior Vice President of TRS Quality, Global Reengineering since 1993 till 1997 and served as Executive Vice President and Chief Financial Officer of Shearson Lehman Brothers (then a unit of American Express) since 1990 till 1993. In addition, he is an advisor to the March of Dimes and previously served on the boards of the American Council of Life Insurers and The Financial Services Roundtable and on the Board of advisors to the March of Dimes. He is responsible for all of American Express’ financial services businesses globally, as well as International Payments. Mr. Cracchiolo is assigned with the responsibility of focusing solely on expanding the financial services business of American Express Co. Mr. Cracchiolo has been employed by American Express Company since 1982. He served as Chairman of American Express Bank Ltd. from September 2000 to 2005 & from March 2001 to April 2005 he serves on the Board of Advisors of March of Dimes. Mr. Cracchiolo served as a Director of Tech Data Corp. since 1999. Mr. Cracchiolo has more than 35 years of experience in the financial services industry and a record of proven leadership in running global businesses with large scale operations and thousands of employees. Mr. Cracchiolo brings to the Board valuable executive leadership experience, a strong financial background, and effective long-term strategic planning and risk management expertise. He has built new businesses, restructured significant lines of businesses, and negotiated and integrated a number of successful acquisitions. Mr. Cracchiolo is a Certified Public Accountant and holds a B.S. Degree in Accounting and Economics and a Master’s Degree in Business Administration with finance both Degrees from New York University School of Business. He also holds a Certified Public Accountant designation in New York State and is certified as a General Securities Representative and General Securities Principal in the United States.

CEO Compensation
  • Jim's compensation has been consistent with company performance over the past year.
  • Jim's remuneration is higher than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Ameriprise Financial management team in years:

6.8
Average Tenure
59.5
Average Age
  • The average tenure for the Ameriprise Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Jim Cracchiolo

TITLE
Chairman & CEO
COMPENSATION
$26M
AGE
59
TENURE
13.6 yrs

Walter Berman

TITLE
Executive VP & CFO
COMPENSATION
$10M
AGE
75
TENURE
13.6 yrs

Colin Moore

TITLE
Executive VP & Global Chief Investment Officer
COMPENSATION
$7M
AGE
60
TENURE
5.8 yrs

Ted Truscott

TITLE
Chief Executive Officer of Global Asset Management
COMPENSATION
$8M
AGE
58
TENURE
6.6 yrs

Joe Sweeney

TITLE
President of Advice & Wealth Management - Products & Service Delivery
COMPENSATION
$5M
AGE
57
TENURE
9.9 yrs

Dale Cebert

TITLE
President & Private Wealth Adviser
TENURE
0.5 yrs

Neal Maglaque

TITLE
President of Advice
AGE
61
TENURE
6.8 yrs

Dave Stewart

TITLE
Senior VP
AGE
65

Randy Kupper

TITLE
Executive VP & Chief Information Officer
AGE
59
TENURE
6.8 yrs

Alicia Charity

TITLE
Senior Vice President of Investor Relations
TENURE
4.3 yrs
Board of Directors Tenure

Average tenure and age of the Ameriprise Financial board of directors in years:

5.2
Average Tenure
64
Average Age
  • The tenure for the Ameriprise Financial board of directors is about average.
Board of Directors

Jim Cracchiolo

TITLE
Chairman & CEO
COMPENSATION
$26M
AGE
59
TENURE
13.6 yrs

Robert Sharpe

TITLE
Presiding Director
COMPENSATION
$290K
AGE
66

Jeffrey Noddle

TITLE
Director
COMPENSATION
$290K
AGE
71
TENURE
13.6 yrs

Chris Williams

TITLE
Director
COMPENSATION
$279K
AGE
60
TENURE
2.6 yrs

Lon Greenberg

TITLE
Director
COMPENSATION
$275K
AGE
68
TENURE
7.8 yrs

Dianne Blixt

TITLE
Director
COMPENSATION
$275K
AGE
59
TENURE
5.2 yrs

Amy DiGeso

TITLE
Director
COMPENSATION
$270K
AGE
66
TENURE
5.2 yrs

Ed Walter

TITLE
Director
COMPENSATION
$230K
AGE
62
TENURE
1 yrs
Who owns this company?
Recent Insider Trading
  • Ameriprise Financial insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
27. Feb 19 Sell Colin Moore Individual 25. Feb 19 25. Feb 19 -24,032 €117.76 €-2,830,043
10. May 18 Buy James Cracchiolo Individual 10. May 18 10. May 18 7,400 €114.37 €846,314
03. May 18 Buy Walter Berman Individual 02. May 18 02. May 18 3,728 €112.03 €417,654
X
Management checks
We assess Ameriprise Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Ameriprise Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

A4S News

Simply Wall St News

A4S Company Info

Description

Ameriprise Financial, Inc., through its subsidiaries, provides various financial products and services to individual and institutional clients in the United States and internationally. It operates through five segments: Advice & Wealth Management, Asset Management, Annuities, Protection, and Corporate & Other. The Advice & Wealth Management segment provides financial planning and advice, as well as full-service brokerage services primarily to retail clients through its advisors. The Asset Management segment offers investment management and advice, and investment products to retail, high net worth, and institutional clients through unaffiliated third party financial institutions and institutional sales force. Its products also include U.S. mutual funds and their non-U.S. equivalents, exchange-traded funds, variable product funds underlying insurance, and annuity separate accounts; and institutional asset management products, such as traditional asset classes, separately managed accounts, individually managed accounts, collateralized loan obligations, hedge funds, collective funds, and property funds. The Annuities segment provides variable and fixed annuity products to individual clients through affiliated and unaffiliated advisors, and financial institutions. The Protection segment offers various products to address the protection and risk management needs of retail clients, including life, disability income, and property casualty insurance through advisors and affinity relationships. The Corporate & Other segment consist of long term care business, net investment income or loss on corporate level assets. The company was formerly known as American Express Financial Corporation and changed its name to Ameriprise Financial, Inc. in September 2005. Ameriprise Financial, Inc. was founded in 1894 and is headquartered in Minneapolis, Minnesota.

Details
Name: Ameriprise Financial, Inc.
A4S
Exchange: DB
Founded: 1894
$17,255,072,831
135,402,721
Website: http://www.ameriprise.com
Address: Ameriprise Financial, Inc.
55 Ameriprise Financial Center,
Minneapolis,
Minnesota, 55474,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE AMP Common Shares New York Stock Exchange US USD 15. Sep 2005
DB A4S Common Shares Deutsche Boerse AG DE EUR 15. Sep 2005
LSE 0HF6 Common Shares London Stock Exchange GB USD 15. Sep 2005
BMV AMP * Common Shares Bolsa Mexicana de Valores MX MXN 15. Sep 2005
Number of employees
Current staff
Staff numbers
14,000
Ameriprise Financial employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/18 20:57
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/17
Last earnings filing: 2019/02/27
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.