AMP vs. TOST: Ameriprise Financial vs. Toast Stock Comparison

Company Profile

Ameriprise Financial (AMP) and Toast (TOST) both fall under the Financial Services industry group, but AMP is classified in Capital Markets while TOST is classified in Financial Services.

Ameriprise Financial (AMP) has more than two decades of public-market history since September 15, 2005, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Ameriprise Financial (AMP) at 71.98% is the standout with ROE above its industry range; Toast (TOST) at 25.58% also sits in the top quartile.

Both Ameriprise Financial (AMP) at 20.67% and Toast (TOST) at 7.69% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Ameriprise Financial (AMP) at 36.41% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.

Profitability Metrics

Growth

Both Ameriprise Financial (AMP) at 7.04% and Toast (TOST) at 24.05% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Ameriprise Financial (AMP) at 9.77%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Ameriprise Financial (AMP) in Financial Services and Toast (TOST) 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-to-equity ratio is set aside for both: Ameriprise Financial (AMP) in Financial Services and Toast (TOST) 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

Dividends

Toast (TOST) 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.

Toast (TOST) 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.

Dividend Metrics

Valuation

Ameriprise Financial (AMP) at 11.29 is near its industry’s usual P/E ratio, while Toast (TOST) at 38.10 sits in the richer quartile — TOST needs stronger growth or earnings quality to justify the premium.

On P/S ratio, both Ameriprise Financial (AMP) at 2.16 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Measured against book value, both Ameriprise Financial (AMP) at 8.54 and Toast (TOST) at 8.79 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics