What is Ameriprise Financial Inc worth?
With the base-case assumptions below, a discounted cash flow model on Ameriprise Financial Inc's reported free cash flow gives $2,092.44 per share. The share price was $493.00 on September 25, 2026, 76% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 4.5% | 10.0% | $1,344.31 | +173% |
| Base | 9.5% | 9.0% | $2,092.44 | +324% |
| Bull | 14.5% | 8.0% | $3,583.86 | +627% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $2,655.16 | $2,828.31 | $3,039.94 | $3,304.47 | $3,644.58 |
| 8.0% | $2,234.20 | $2,346.49 | $2,479.19 | $2,638.43 | $2,833.06 |
| 9.0% | $1,927.08 | $2,003.85 | $2,092.44 | $2,195.78 | $2,317.92 |
| 10.0% | $1,693.52 | $1,748.11 | $1,809.99 | $1,880.70 | $1,962.30 |
| 11.0% | $1,510.19 | $1,550.22 | $1,594.95 | $1,645.28 | $1,702.31 |
Where the presets come from
Base: years 1 to 5 grow at Ameriprise Financial Inc's revenue growth rate over the last 5 fiscal years (9.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions