AMP vs. CPAY: Ameriprise Financial vs. Corpay Stock Comparison
How do Ameriprise Financial (AMP) and Corpay (CPAY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Ameriprise Financial (AMP) and Corpay (CPAY) both fall under the Financial Services industry group, but AMP is classified in Capital Markets while CPAY is classified in Financial Services.
| Profile Item | AMP | CPAY |
|---|---|---|
| Name | Ameriprise Financial Inc. | Corpay Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Asset Management & Custody Banks | Transaction & Payment Processing Services |
| Market Capitalization | 43.54 billion USD | 29.12 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 15, 2005 | December 15, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Total Return (1Y) | 13.80% | 65.09% |
| Total Return (3Y, Annualized) | 17.42% | 25.90% |
| Total Return (5Y, Annualized) | 12.72% | 13.34% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Volatility (1Y, Annualized) | 26.68% | 36.03% |
| Beta (5Y) | 1.10 | 0.87 |
| Max Drawdown (5Y) | -31.54% | -37.33% |
| Avg. Volume (3M) | 545.31K | 489.47K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Sharpe Ratio (1Y) | 0.36 | 1.69 |
| Sortino Ratio (1Y) | 0.50 | 2.83 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Ameriprise Financial (AMP) at 71.98% is the standout with ROE above its industry range; Corpay (CPAY) at 32.21% also sits in the top quartile.
AMP
Financial Services industry group
71.98%
- AMP
- 71.98%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ameriprise Financial (AMP) at 20.67% and Corpay (CPAY) at 23.73% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AMP
Financial Services industry group
20.67%
- Max
- 62.84%
- Q3
- 28.05%
- AMP
- 20.67%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ameriprise Financial (AMP) at 36.41% and Corpay (CPAY) at 49.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
AMP
Financial Services industry group
36.41%
- Max
- 107.33%
- Q3
- 55.90%
- AMP
- 36.41%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AMP | CPAY |
|---|---|---|
| ROE (TTM) | 71.98% | 32.21% |
| ROA (TTM) | 2.30% | 6.80% |
| Net Margin (TTM) | 20.67% | 23.73% |
| Operating Margin (TTM) | 36.41% | 49.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Ameriprise Financial (AMP) at 7.04% and Corpay (CPAY) at 13.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Ameriprise Financial (AMP) at 9.77% and Corpay (CPAY) at 7.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Revenue Growth (YoY) | 7.04% | 13.93% |
| Revenue Growth (3Y CAGR) | 9.03% | 9.73% |
| EPS Growth (YoY) | 9.77% | 7.59% |
| EPS Growth (3Y CAGR) | 9.41% | 6.56% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ameriprise Financial (AMP) in Financial Services and Corpay (CPAY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Ameriprise Financial (AMP) in Financial Services and Corpay (CPAY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Corpay (CPAY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ameriprise Financial (AMP) reports a yield of 1.30%, ranking against industry peers normally.
AMP
Financial Services industry group
1.30%
- Max
- 9.77%
- Q3
- 3.92%
- AMP
- 1.30%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Corpay (CPAY) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ameriprise Financial (AMP) reports a payout of 14.86%, ranking against industry peers normally.
AMP
Financial Services industry group
14.86%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AMP
- 14.86%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AMP | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 1.30% | 0.00% |
| Dividend Payout Ratio (TTM) | 14.86% | 0.00% |
Valuation
P/E Ratio (TTM)
Ameriprise Financial (AMP) at 11.29 is near its industry’s usual P/E ratio, while Corpay (CPAY) at 25.02 sits in the richer quartile — CPAY needs stronger growth or earnings quality to justify the premium.
AMP
Financial Services industry group
11.29
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- AMP
- 11.29
- Q1
- 9.68
- Min
- 0.16
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Ameriprise Financial (AMP) at 2.16 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
AMP
Financial Services industry group
2.16
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- AMP
- 2.16
- Q1
- 1.28
- Min
- -0.55
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Measured against book value, both Ameriprise Financial (AMP) at 8.54 and Corpay (CPAY) at 8.89 look expensive — each P/B ratio sits above its industry’s benchmark range.
AMP
Financial Services industry group
8.54
- AMP
- 8.54
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AMP | CPAY |
|---|---|---|
| P/E Ratio (TTM) | 11.29 | 25.02 |
| P/S Ratio (TTM) | 2.16 | 5.57 |
| P/B Ratio (MRQ) | 8.54 | 8.89 |
| Free Cash Flow Yield (TTM) | -- | -- |