Ameriprise Financial (AMP) stock: Winston Score and insider trades

§Winston Score History

Ameriprise Financial helps everyday people manage their money and plan for retirement. The company offers financial planning, investment advice, and wealth management services to individual clients, as well as mutual funds and asset management products to institutional investors. It owns well-known investment brands including Columbia Threadneedle Investments, which manages money for clients around the world.

Ameriprise makes money by charging fees based on the amount of assets it manages, plus commissions and financial planning fees paid by its clients. The company operates mainly in the United States but also has a meaningful international presence through Columbia Threadneedle, giving it global reach. Its large network of financial advisors and long-standing client relationships create switching costs that are hard for competitors to overcome. The key risk the business faces is that its fee revenue shrinks when stock markets fall, since fees are tied directly to the value of assets under management.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.5% YoY

YoY Growth Rate

Steady revenue growth

Reported EPS Growth

+11.4% YoY

Quarterly reporting periods ended:

30 Jun 2025: $10.88

30 Jun 2026: $12.12

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.4%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$73.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Ameriprise Financial is a rare growth stock that's already generating positive cash flow while growing at 12%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

44.7%

Healthy — 44.7% gross margin

Profit after running costs

Operating Margin

30.4%

Excellent — 30.4% operating margin

Return on the money invested

ROCE

41.7%

Exceptional — 41.7% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+8.8%

Steady sales growth (+8.8% YoY)

Profit growth

EPS YoY

+28.6%

Earnings growing fast (+28.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

208%

Turns 208% of profit into real cash

Spare cash per sale

FCF Margin

40.7%

Converts sales into free cash efficiently (40.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

1.03

Elevated debt (1.03)

Covers its interest

Interest Cover

16.40x

Comfortably covers interest (16.4x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

11.7x

Attractive valuation — P/E 11.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.9

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

1.38%

Small dividend — 1.38% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+7.1%

Dividend growing modestly (7.1% YoY)

Payout Ratio

15%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Ameriprise Financial

§How the score breaks down

Share count falling — buybacks

§Winston Score History

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Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends