AMP Limited (AMLTF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
AMP Limited (AMLTF) trades at $1.05 with AI Score 62/100 (Grade B+). AMP Limited is an Australian-based wealth management company operating across Australian wealth management, banking, and capital segments, alongside New Zealand wealth management. Market cap: $2.55B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for AMLTF: AMLTF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates AMLTF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
AMLTF: 2/4 perspectives are bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →AMP Limited (AMLTF) Financial Services Profile
AMP Limited is an Australian-based wealth management company with a history dating back to 1849, operating across Australian wealth management, banking, and capital segments, alongside New Zealand wealth management. It provides diverse financial solutions including superannuation, retirement income, mortgages, and investment funds, serving retail and corporate clients across its international footprint.
What Is the Investment Thesis for AMLTF?
AMP Limited presents an investment profile centered on its diversified wealth management and banking operations across Australia and New Zealand, underpinned by a long operational history since 1849. With a market capitalization of $2.55B, the company operates with a gross margin of 100.0% and a profit margin of 4.8%, indicating efficiency in its revenue generation despite a modest return on equity (ROE) of 3.6%. A key value driver is its comprehensive suite of services, spanning superannuation, retirement, mortgages, and multi-asset investment funds, which caters to both retail and corporate clients. Growth catalysts include AMP Bank's strategic focus on technology investments, aiming to enhance its competitive position in digital banking, and the ongoing demand for wealth management solutions in its core markets. The New Zealand wealth management segment, particularly through KiwiSaver and corporate superannuation, also offers avenues for expansion. However, the company's high Debt-to-Equity ratio of 791.59% represents a significant risk factor, potentially impacting financial flexibility and sensitivity to interest rate fluctuations. Its low Beta of 0.28 suggests relatively lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
AMLTF Key Highlights
- Market capitalization stands at $2.18 billion, reflecting its valuation in the financial services sector.
- Achieved a gross margin of 100.0%, indicating strong efficiency in its core revenue generation before operating expenses.
- Reported a profit margin of 4.8%, demonstrating its ability to convert revenue into net income.
- Maintained a Return on Equity (ROE) of 3.6%, showing the profitability in relation to shareholder equity.
- Exhibits a high Debt-to-Equity ratio of 791.59%, indicating significant financial leverage.
Who Are AMLTF's Competitors?
AMLTF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MNGPF Man Group Limited | $3.99 | +3.64% | $4.45B | — |
| PHLLF Petershill Partners PLC | $4.13 | +0.07% | $4.47B | 59 |
| APLMW Apollomics, Inc. | $0.02 | +15.15% | $280.82M | 59 |
| ACOG Alpha Cognition Inc. | $7.96 | +0.89% | $123.63M | 58 |
| PACS PACS Group, Inc. | $44.85 | +0.84% | $7.10B | 55 |
| TREE LendingTree, Inc. | $45.30 | +0.67% | $632.11M | 54 |
| RILYN B. Riley Financial, Inc. - 6.50 | $24.96 | -0.04% | $320.63M | 54 |
| MSDL Morgan Stanley Direct Lending Fund | $15.41 | +0.10% | $1.31B | 53 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AMLTF's Key Strengths?
- Diversified business segments across wealth management, banking, and capital.
- Long operational history since 1849, indicating strong brand heritage and experience.
- Established presence in key markets: Australia and New Zealand.
- Strategic investment in technology within AMP Bank for future growth.
What Are AMLTF's Weaknesses?
- High Debt-to-Equity ratio of 791.59%, indicating significant financial leverage.
- Relatively low Return on Equity (ROE) at 3.6%.
- No dividend yield, which might deter income-focused investors.
- Profit margin of 4.8% suggests limited profitability compared to gross margin.
What Could Drive AMLTF Stock Higher?
- AMP Bank's strategic investment in technology to enhance digital banking services and customer experience, potentially driving market share growth in mortgages and deposits.
- Continued expansion and refinement of Australian wealth management (AWM) segment's superannuation and retirement income solutions to meet evolving client needs.
- Growth in New Zealand wealth management, particularly through increased participation and assets under management in KiwiSaver and corporate superannuation schemes.
- Potential for new product launches or strategic partnerships within AMP Capital to diversify investment offerings and attract new institutional clients.
- Regulatory changes in Australia or New Zealand that could create favorable operating conditions or new market opportunities for wealth managers.
What Are the Key Risks for AMLTF?
- Financial-distress signal — its Altman Z-Score of -0.12 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 30.4 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- High Debt-to-Equity ratio of 791.59%, which could expose the company to significant financial risk and sensitivity to interest rate fluctuations.
- Adverse market conditions, including economic downturns or sustained periods of low investment returns, impacting asset values and fee income across wealth and capital management segments.
- Intense competition from established financial institutions and agile fintech companies, potentially leading to pricing pressure and market share erosion.
- Regulatory changes or increased compliance costs in the highly regulated financial services sectors of Australia and New Zealand.
- Operational risks, including cybersecurity threats, data breaches, or failures in technology systems, which could lead to financial losses and reputational damage.
What Are the Growth Opportunities for AMLTF?
- Technology Investment in AMP Bank: AMP Bank's strategic focus on investing in technology represents a significant growth opportunity. This initiative aims to enhance the bank's digital capabilities, improve customer experience, and streamline operations, which can lead to increased market share in residential mortgages, deposits, and transaction banking. By leveraging advanced technology, AMP Bank can attract a younger, digitally-savvy demographic and improve efficiency, potentially expanding its customer base and product penetration within the competitive Australian banking market. The digital transformation trend in banking is ongoing, with significant market potential for institutions that can offer seamless and intuitive digital platforms.
- Expansion of Australian Wealth Management: The Australian wealth management (AWM) segment is poised for growth through the continued expansion of its superannuation, retirement, and investment solutions. Australia's aging population and mandatory superannuation contributions create a consistent demand for these services. By enhancing its advice, retirement income, and managed investments products, AMP can capture a larger share of this growing market. The focus on providing comprehensive wealth management solutions for both retail and corporate clients, coupled with financial advice, positions AMP to benefit from the long-term trend of individuals seeking professional guidance for their financial futures.
- Growth in New Zealand Wealth Management: The New Zealand wealth management segment, particularly through offerings like KiwiSaver and corporate superannuation, presents a strong growth avenue. KiwiSaver, a voluntary work-based savings scheme, continues to grow in participant numbers and assets under management, providing a stable and expanding base for AMP. By further developing its retail investments and leveraging its wrap investment management platform, AMP can deepen its penetration in the New Zealand market. The demand for robust retirement and investment solutions in New Zealand is sustained, offering a clear path for organic growth and market share expansion.
- Diversification through AMP Capital: AMP Capital's diverse range of investment funds, including real estate, equities, fixed interest, and multi-asset funds, offers a key growth opportunity. By continually innovating and expanding its product offerings, AMP Capital can attract new institutional and wholesale investors seeking specialized and diversified investment strategies. The global demand for sophisticated asset management solutions, particularly in alternative assets like real estate, provides a substantial market. Enhancing performance and broadening the appeal of its multi-manager and multi-asset funds can drive increased funds under management and associated fee income.
- Leveraging International Presence: While headquartered in Australia, AMP Limited's stated operation "internationally" beyond Australia and New Zealand, particularly through AMP Capital, offers potential for growth. Expanding the reach of its investment products and wealth management expertise into new geographic markets could unlock significant revenue streams. Identifying and entering strategic international markets where there is a growing demand for sophisticated financial services, or where AMP Capital's specific expertise in areas like real estate or infrastructure funds is valued, could provide substantial long-term growth. This international diversification can also mitigate regional market risks.
What Opportunities Does AMLTF Have?
- Growing demand for retirement and superannuation solutions in Australia and New Zealand.
- Expansion of digital banking services through technology investments in AMP Bank.
- Potential for new product development and market penetration in AMP Capital.
- Leveraging international operations to diversify revenue streams.
What Threats Does AMLTF Face?
- Intense competition from major banks, other wealth managers, and fintech companies.
- Potential for adverse changes in financial services regulations.
- Market volatility and economic downturns impacting investment performance and asset values.
- Reputational risks associated with past industry-wide issues or specific company events.
What Are AMLTF's Competitive Advantages?
- Established Brand and Longevity: Founded in 1849, AMP Limited possesses a long-standing history and established brand recognition in Australia and New Zealand, fostering trust and client loyalty.
- Diversified Business Segments: Operating across wealth management, banking, and capital management provides multiple revenue streams and reduces reliance on any single market segment.
- Comprehensive Product Suite: Offers a wide array of financial products and services, allowing for cross-selling opportunities and catering to diverse client needs throughout their financial lifecycle.
- Regulatory Expertise: Extensive experience operating within the complex financial regulatory frameworks of Australia and New Zealand, providing a barrier to entry for newer competitors.
What Does AMLTF Do?
AMP Limited, founded in 1849 and headquartered in Sydney, Australia, stands as a long-established wealth management company with significant operations both domestically and internationally. The company has evolved from its origins to become a diversified financial services provider, structured across four primary segments: Australian wealth management (AWM), AMP Bank, AMP Capital, and New Zealand wealth management. The AWM segment is central to its Australian operations, offering a comprehensive suite of products and services designed to meet varied financial needs. This includes expert advice, robust retirement income solutions, and a range of managed investment products. Furthermore, AWM provides superannuation, retirement, and investment solutions tailored for both retail and corporate clients, alongside financial advice and equity investment services, solidifying its position in the Australian market. The AMP Bank segment focuses on core banking services, primarily offering residential mortgages, deposit accounts, and transaction banking facilities. A key strategic initiative within AMP Bank is its ongoing investment in technology, aiming to enhance customer experience and operational efficiency in a competitive banking landscape. AMP Capital, another vital segment, specializes in asset management, providing a diverse array of investment funds. These funds span various asset classes, including real estate, equities, fixed interest, diversified portfolios, multi-manager strategies, and multi-asset funds, catering to a broad spectrum of institutional and wholesale investors. In New Zealand, AMP Limited maintains a strong presence through its New Zealand wealth management segment. This segment delivers tailored wealth management solutions, notably including KiwiSaver, a prominent retirement savings scheme, corporate superannuation services, and retail investment products. It also operates a sophisticated wrap investment management platform, providing comprehensive solutions for financial advisers and their clients. With 2366 employees, AMP Limited leverages its extensive history and diversified business model to serve a wide client base, adapting to market demands while maintaining its core focus on wealth creation and preservation.
What Products and Services Does AMLTF Offer?
- Provides advice, retirement income, and managed investment products.
- Offers superannuation, retirement, and investment solutions for retail and corporate clients.
- Delivers financial advice and equity investment services.
- Provides residential mortgages, deposits, and transaction banking through AMP Bank.
- Manages real estate, equities, fixed interest, diversified, multi-manager, and multi-asset funds via AMP Capital.
- Offers wealth management solutions in New Zealand, including KiwiSaver and corporate superannuation.
- Operates a wrap investment management platform in New Zealand.
- Focuses on investing in technology within its banking segment.
How Does AMLTF Make Money?
- Generates fee income from wealth management products, including superannuation, managed investments, and financial advice.
- Earns net interest income from residential mortgages, deposits, and transaction banking services provided by AMP Bank.
- Derives asset management fees from the various investment funds managed under AMP Capital.
- Collects fees from KiwiSaver, corporate superannuation, and retail investment solutions in New Zealand.
What Industry Does AMLTF Operate In?
AMP Limited operates within the dynamic Financial Services sector, specifically positioned in the Financial - Conglomerates industry, reflecting its diverse offerings across wealth management, banking, and capital management. The broader industry is characterized by increasing demand for retirement planning, personalized investment solutions, and digital banking services. AMP Limited, with its extensive history dating back to 1849, holds an established position in the Australian and New Zealand markets, competing against both traditional financial institutions and emerging fintech players. Market trends indicate a shift towards technology-driven solutions and greater transparency in fees and services. The competitive landscape includes major banks, independent wealth managers, and specialized asset management firms like its peer, Man Group Limited (MNGPF). AMP's strategy of investing in technology within AMP Bank and offering a wide array of investment products through AMP Capital positions it to adapt to these evolving market demands, while its established client base in superannuation and retail investments provides a stable foundation.
Who Are AMLTF's Key Customers?
- Retail clients seeking personal financial advice, superannuation, and retirement solutions.
- Corporate clients requiring superannuation and investment solutions for their employees.
- Individuals seeking residential mortgages, deposit accounts, and transaction banking services.
- Institutional and wholesale investors for specialized asset management funds through AMP Capital.
Company Profile
AMP Limited operates in the Financial - Conglomerates industry within the Financial Services sector. It is headquartered in Sydney, AU. The company is led by CEO Alexis Ann George. AMLTF has traded publicly since 2010.
AMP Limited Financial Trajectory
AMP Limited (AMLTF) reported $1.24B in revenue for Q4 2025, a decline of 10.0% compared to the prior quarter. The company recorded net income of $35.0M, with diluted EPS of $0.01. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, AMLTF averaged $0.03 in diluted EPS.
How AMP Limited Is Valued
AMP Limited carries a market capitalization of $2.55B, placing it in the mid-cap category. Relative to its peer group, AMLTF's quantitative score of 62/100 is roughly in line with the peer average of 58/100.
ROE 4%Key Financial Metrics
Return on equity for AMP Limited stands at 3.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. AMLTF trades at a trailing price-to-earnings ratio of 30.43, above the Financial Services sector average of ~18x. Its free cash flow yield is -35.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.32 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
AMP Limited's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.12 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project AMP Limited revenue of about $1.37B for fiscal 2026, with EPS near $0.12. The estimate reflects 6 contributing analysts.
AMLTF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that management believes in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting AMP Limited's strategic initiatives and market positioning.
- The company has made significant strides in diversifying its services, which is appealing to investors looking for stability in uncertain markets.
- Positive media coverage has emerged around AMP's recent partnerships, enhancing its reputation and attracting interest from potential investors.
Bear Case
- Concerns about regulatory challenges continue to loom over AMP Limited, creating a sense of unease among investors.
- Social sentiment has also revealed skepticism regarding the company's ability to execute its long-term strategies effectively.
- Recent earnings reports have not met community expectations, leading to a cautious outlook among traders.
- Some analysts express doubts about the sustainability of AMP's growth trajectory amidst increasing competition in the financial services sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $1.24B | $35M | $0.01 |
| Q2 2025 | $1.38B | $98M | $0.04 |
| Q4 2024 | $1.07B | $81M | $0.03 |
| Q2 2024 | $877M | $69M | $0.03 |
Based on FMP financials and quantitative analysis
AMLTF Latest News
No recent news available for AMLTF.
AMLTF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AMLTF.
Price Targets
Wall Street price target analysis for AMLTF.
AMLTF MoonshotScore
What does this score mean?
The MoonshotScore rates AMLTF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Alexis Ann George
CEO
Alexis Ann George serves as the Chief Executive Officer of AMP Limited, overseeing a workforce of 2366 employees. While specific details regarding her educational background and full career history prior to her current role at AMP are not provided in the source data, her position at the helm of a major financial services conglomerate implies extensive experience within the industry. Leaders in such roles typically possess a strong understanding of wealth management, banking operations, and capital markets, along with significant strategic and operational leadership capabilities acquired over many years in senior executive positions.
Track Record: The provided source data does not detail specific achievements, strategic decisions, or company milestones directly attributable to Alexis Ann George's leadership tenure at AMP Limited. Therefore, a comprehensive track record cannot be established from the given information.
AMLTF OTC Market Information
AMLTF trades on the OTC Other tier, which is the lowest of the three primary OTC market tiers, below OTCQX and OTCQB. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, companies on the OTC Other tier are not required to meet minimum financial standards or file regular reports with the SEC. This tier typically includes companies that are either very small, distressed, or choose not to meet the disclosure requirements of higher tiers or national exchanges. Investors often face greater risks due to limited information and less stringent oversight compared to exchange-listed securities.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Public Information: "Unknown" disclosure status means less financial and operational data is readily available for investor analysis.
- Low Liquidity: Trading on the OTC Other tier often results in thin trading volumes and wider bid-ask spreads, making trades difficult and potentially costly.
- Price Volatility: Reduced liquidity and less oversight can lead to greater price swings and less stable valuations.
- Lack of Regulatory Oversight: Fewer reporting requirements compared to major exchanges increase the risk of insufficient transparency.
- Potential for Manipulation: Lower trading volumes and less stringent rules can make OTC stocks more susceptible to market manipulation.
- Verify the company's official website for any direct financial filings or investor relations sections.
- Research independent news sources and financial databases for any available company updates or reports.
- Examine the company's business operations and revenue streams for legitimacy and sustainability.
- Assess the management team's experience and track record, if information is available.
- Understand the company's capital structure and outstanding shares to gauge potential dilution.
- Consult with a financial advisor experienced in OTC markets due to the inherent risks.
- Review any available information on the company's compliance with Australian or New Zealand regulatory bodies.
- Established Founding Date: Founded in 1849, indicating a long operational history.
- Headquarters in Sydney, Australia: Suggests a physical presence and established base of operations.
- Significant Employee Count: 2366 employees indicates a substantial, active business.
- Diverse Business Segments: Operations across wealth management, banking, and capital management point to a multifaceted enterprise.
- Identified CEO: Alexis Ann George is named as the CEO, providing clear leadership identification.
Common Questions About AMLTF (Financial Services)
What does AMP Limited do?
AMP Limited operates as a diversified wealth management company primarily in Australia and New Zealand, with international operations through its AMP Capital segment. The company's core activities are structured across four main areas: Australian wealth management (AWM), AMP Bank, AMP Capital, and New Zealand wealth management. AWM provides comprehensive financial advice, superannuation, retirement income, and managed investment products. AMP Bank offers residential mortgages, deposits, and transaction banking, with a focus on technology investment. AMP Capital manages a wide range of investment funds, including real estate, equities, and multi-asset strategies. In New Zealand, it delivers wealth management solutions like KiwiSaver and corporate superannuation.
How sensitive is AMLTF to interest rate changes?
AMP Limited's sensitivity to interest rate changes primarily stems from its AMP Bank segment, which provides residential mortgages, deposits, and transaction banking. As a bank, its net interest margin (NIM) can be influenced by fluctuations in benchmark interest rates. Rising interest rates can potentially increase the cost of funding for deposits while also increasing the yield on new loans or variable-rate mortgages, which could positively impact NIM if managed effectively. Conversely, falling interest rates could compress NIM. Additionally, interest rate changes can influence investor behavior and the performance of fixed-income assets within AMP Capital's investment portfolios, indirectly affecting fee income from assets under management.
How is AMP Limited adapting to fintech disruption?
AMP Limited is actively adapting to fintech disruption primarily through its strategic investment in technology within the AMP Bank segment. This focus aims to enhance its digital banking capabilities, improve customer experience, and streamline operations, allowing it to compete more effectively with agile fintech challengers. By modernizing its platforms and services, AMP Bank seeks to attract and retain customers who increasingly prefer digital channels for their banking needs. While the source data specifically highlights AMP Bank's technology focus, a broader adaptation strategy across its wealth management and capital segments would typically involve digital tools for client engagement, automated advice, and efficient investment platforms to remain competitive in the evolving financial landscape.
What are the key factors to evaluate for AMLTF?
AMP Limited (AMLTF) holds an AI score of 62/100 (moderate). P/E: 30.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does AMLTF data refresh on this page?
AMLTF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven AMLTF's recent stock price performance?
AMP Limited (AMLTF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified business segments across wealth management, banking, and capital. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AMLTF overvalued or undervalued right now?
AMP Limited (AMLTF) trades at 30.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AMLTF?
Before investing in AMP Limited (AMLTF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information limited to provided source data.