What is Ameriprise Financial, Inc. (AMP) DCF Fair Value and Intrinsic Value in 2026?

Ameriprise Financial, Inc. (AMP) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Ameriprise Financial, Inc.'s historical Return on Invested Capital (ROIC) and Moat Rating?

Ameriprise Financial, Inc. operates in the Financials sector (Asset Management) with an economic moat rating of NARROW. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Ameriprise Financial, Inc.'s financial health rating and Piotroski F-Score?

Ameriprise Financial, Inc.'s balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Ameriprise Financial, Inc. (AMP) for quarterly SEC filing thesis breaks?

LocalAlpha audits Ameriprise Financial, Inc.'s 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksAMP

AMP

Ameriprise Financial, Inc.Financial Services / Asset ManagementINTACT

Ameriprise Financial, Inc., together with its subsidiaries, operates as a diversified financial services company in the United States and internationally. The company offers financial planning and advice services to individual and institutional clients. It operates through Advice & Wealth Management, Asset Management, Retirement & Protection Solutions, Corporate & Other segments. The Advice & Wealth Management segment provides financial planning and advice; brokerage products and services for retail and institutional clients; discretionary and non-discretionary investment advisory accounts; mutual funds; insurance and annuities products; cash management and banking products; and face-amount certificates. The Asset Management segment offers investment management, advice, and products to retail, high net worth, and institutional clients through third-party financial institutions, advisor network, direct retail, and its institutional sales force under the Columbia Threadneedle Investments brand name. Its products 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 and infrastructure funds. The Retirement & Protection Solutions segment provides variable annuity products, as well as life and disability income insurance products to retail clients. Ameriprise Financial, Inc. was formerly known as American Express Financial Corporation and changed its name to Ameriprise Financial, Inc. in September 2005. The company was founded in 1894 and is based in Minneapolis, Minnesota.

Share Price

$553.18

52W: $422.37 - $572.56

DCF Fair Value

$1011.50

+45.3% MoS

Thesis Hub

P/E (TTM)

13.4x

ROIC

23%

Operating Margin

30.7%

FCF Yield

5.9%

Debt / Equity

0.68x

Piotroski Score

7/9

Altman Z-Score

4.13

Market Cap

$48.9B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$1011.50

MOS Buy Target (-25%)

$758.63

Valuation Overlays: DCF Fair Value ($1011.50) 25% MOS Buy Target ($758.63) Revised Graham ($1195.43) Graham Number ($258.93)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$553.18

DCF Fair Value

$1014.87

+45.5% MoS

Starting Free Cash Flow ($M)$2,903M

$100M$2,903M (Reported)$50,000M

Stage 1 Growth (Years 1-5)15.3%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)-$6,000M (Net Cash)

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$34.2B

PV of Terminal Value

$49.1B

Implied Enterprise Value

$83.3B

Implied Equity Value

$89.3B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$3,347	$3,859	$4,450	$5,131	$5,916	$6,182	$6,460	$6,751	$7,054	$7,372
Present Value (PV)	$3,071	$3,248	$3,436	$3,635	$3,845	$3,686	$3,534	$3,388	$3,248	$3,114

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number-113.6% Premium

$258.92

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $41.40BVPS: $71.97

Revised Graham Formula+53.7% MoS

$1195.43

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings5.7% Yield

$31.34 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $2.8BYield: 5.7%

Reverse DCF: Market Growth Expectation

MODEST BARRIER

3.3% CAGR (Next 10 Yrs)

At the current price of $553.18, the market is assuming the business will compound Free Cash Flow at 3.3% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil AMP with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Ameriprise Financial, Inc.. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 30.7% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Ameriprise Financial, Inc. (AMP) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Ameriprise Financial, Inc..

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Ameriprise Financial, Inc. has an estimated DCF intrinsic fair value of $1011.50 per share compared to its current market price of $553.18. This represents an estimated 45.3% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $258.93.