AMP · NYSE · STOCK
Ameriprise Financial (AMP) Stock Analysis
$500.39
52W $422.37 – $572.56
56/100
$44.99B
11.9
1.16
Is AMP Bullish or Bearish?
Mixed.
Innellis AI committee rates Ameriprise Financial (AMP) Watch with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.06 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.94 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.2 is inexpensive for the broad market — Value
- ROE of 61.7% shows genuine earnings power backing the valuation — Value
- EPS growing 29.1% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.20 across 21 articles, 14d) — News
Bear Case
- Price-to-book of 7.0x prices in significant intangible value — Value
- Debt-to-equity of 6.05 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- High leverage (debt-to-equity 6.05) amplifies downside in a stress scenario — Risk
- Current ratio of 0.67 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 19.7% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 74%
of 211 Financial Services peers
Value Analyst
neutral
55
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 11.2 is inexpensive for the broad market
− Price-to-book of 7.0x prices in significant intangible value
Growth Analyst
bullish
60
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 29.1% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
33
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 6.05) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 21 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 54.3 to 55.9.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 48->58 (+10); +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
45.9
Neutral
MACD Histogram
0.323
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$497.69
Resistance
$525.37
Bollinger %B
0.39
Inside Bands
Price vs Moving Averages
EMA 9
$498.31
Above
EMA 21
$510.31
Below
EMA 50
$521.31
Below
EMA 200
$502.71
Below
Fundamental Analysis
Valuation
71
Growth
73
Profitability
73
Financial Health
87
Cash Flow
70
Valuation
P/E Ratio
11.9×
P/B Ratio
7.22×
PEG Ratio
0.42
Dividend Yield
1.32%
52W High
$572.56
52W Low
$422.37
Quality & Growth
ROE
5440.5%
ROA
186.6%
Gross Margin
5024.0%
Operating Margin
2714.3%
Revenue Growth YoY
—
Debt / Equity
1.03
AI Fundamental Assessment
P/E ratio of 11.9 (inexpensive relative to a 15-40x range); Price-to-book of 7.2x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 54.4%; Return on assets of 1.9%; Net margin of 19.9%; Gross margin of 50.2%; Current ratio of 8.48 (healthy short-term liquidity); Debt-to-equity of 1.03; Free cash flow per share is positive (87.84); Most recent quarter beat estimates by 2.2%; 5 consecutive earnings beats; EPS growth decelerating (+4.0% -> -1.7% QoQ); Average YoY EPS growth of 21.5%; Analyst estimates rising over recent quarters
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