54.86 USD
-0.37 (-0.67%)
At close: May 5, 2025
54.86 USD
0 (0%)
After Hours: 5/5/2025, 8:00:02 PM
We assign a fundamental rating of 3 out of 10 to SJW. SJW was compared to 14 industry peers in the Water Utilities industry. There are concerns on the financial health of SJW while its profitability can be described as average. While showing a medium growth rate, SJW is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- SJW had positive earnings in the past year.
- SJW had a positive operating cash flow in the past year.
- In the past 5 years SJW has always been profitable.
- In the past 5 years SJW always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.02%, SJW is doing worse than 73.33% of the companies in the same industry.
- SJW has a worse Return On Equity (6.87%) than 80.00% of its industry peers.
- SJW has a Return On Invested Capital of 2.98%. This is in the lower half of the industry: SJW underperforms 73.33% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SJW is below the industry average of 4.99%.
- The last Return On Invested Capital (2.98%) for SJW is above the 3 year average (2.84%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 6.87% | ||
| ROIC | 2.98% |
ROA(3y)1.98%
ROA(5y)1.91%
ROE(3y)6.8%
ROE(5y)6.59%
ROIC(3y)2.84%
ROIC(5y)2.79%
1.3 Margins
- Looking at the Profit Margin, with a value of 12.56%, SJW is doing worse than 73.33% of the companies in the same industry.
- SJW's Profit Margin has improved in the last couple of years.
- SJW has a Operating Margin of 22.78%. This is in the lower half of the industry: SJW underperforms 60.00% of its industry peers.
- SJW's Operating Margin has improved in the last couple of years.
- The Gross Margin of SJW (88.70%) is better than 86.67% of its industry peers.
- SJW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.78% | ||
| PM (TTM) | 12.56% | ||
| GM | 88.7% |
OM growth 3Y7.27%
OM growth 5Y5.5%
PM growth 3Y6%
PM growth 5Y17.67%
GM growth 3Y1.66%
GM growth 5Y0.21%
2. Health
2.1 Basic Checks
- SJW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for SJW has been increased compared to 1 year ago.
- SJW has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SJW has an improved debt to assets ratio.
2.2 Solvency
- SJW has an Altman-Z score of 0.77. This is a bad value and indicates that SJW is not financially healthy and even has some risk of bankruptcy.
- SJW has a worse Altman-Z score (0.77) than 73.33% of its industry peers.
- A Debt/Equity ratio of 1.34 is on the high side and indicates that SJW has dependencies on debt financing.
- SJW has a Debt to Equity ratio of 1.34. This is in the lower half of the industry: SJW underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.34 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.77 |
ROIC/WACC0.4
WACC7.5%
2.3 Liquidity
- SJW has a Current Ratio of 0.73. This is a bad value and indicates that SJW is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Current ratio of SJW (0.73) is worse than 66.67% of its industry peers.
- A Quick Ratio of 0.73 indicates that SJW may have some problems paying its short term obligations.
- The Quick ratio of SJW (0.73) is worse than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.73 | ||
| Quick Ratio | 0.73 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 12.41% over the past year.
- SJW shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.47% yearly.
- The Revenue has grown by 11.65% in the past year. This is quite good.
- SJW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.22% yearly.
EPS 1Y (TTM)12.41%
EPS 3Y12.16%
EPS 5Y16.47%
EPS Q2Q%38.89%
Revenue 1Y (TTM)11.65%
Revenue growth 3Y9.27%
Revenue growth 5Y12.22%
Sales Q2Q%12.2%
3.2 Future
- The Earnings Per Share is expected to grow by 5.45% on average over the next years.
- SJW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.23% yearly.
EPS Next Y5.04%
EPS Next 2Y5.49%
EPS Next 3Y5.75%
EPS Next 5Y5.45%
Revenue Next Year9.73%
Revenue Next 2Y7.67%
Revenue Next 3Y4.35%
Revenue Next 5Y4.23%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 18.35, the valuation of SJW can be described as rather expensive.
- Based on the Price/Earnings ratio, SJW is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
- SJW is valuated rather cheaply when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
- SJW is valuated rather expensively with a Price/Forward Earnings ratio of 17.30.
- SJW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SJW is cheaper than 66.67% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. SJW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.35 | ||
| Fwd PE | 17.3 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SJW is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.52 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SJW does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.64
PEG (5Y)1.11
EPS Next 2Y5.49%
EPS Next 3Y5.75%
5. Dividend
5.1 Amount
- SJW has a Yearly Dividend Yield of 3.06%.
- Compared to an average industry Dividend Yield of 3.01, SJW pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.79, SJW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
5.2 History
- The dividend of SJW has a limited annual growth rate of 5.79%.
- SJW has been paying a dividend for at least 10 years, so it has a reliable track record.
- SJW has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.79%
Div Incr Years34
Div Non Decr Years34
5.3 Sustainability
- SJW pays out 55.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of SJW is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP55.48%
EPS Next 2Y5.49%
EPS Next 3Y5.75%
54.86
-0.37 (-0.67%)
Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryWater Utilities
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-22 2025-07-22/amc
Inst OwnersN/A
Inst Owner Change0.71%
Ins OwnersN/A
Ins Owner Change0%
Market Cap1.88B
Revenue(TTM)748.44M
Net Income(TTM)93.97M
Analysts80
Price Target63.24 (15.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
Yearly Dividend1.59
Dividend Growth(5Y)5.79%
DP55.48%
Div Incr Years34
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.3%
Min EPS beat(2)0.73%
Max EPS beat(2)21.86%
EPS beat(4)3
Avg EPS beat(4)7.02%
Min EPS beat(4)-5.2%
Max EPS beat(4)21.86%
EPS beat(8)6
Avg EPS beat(8)18.76%
EPS beat(12)9
Avg EPS beat(12)13.88%
EPS beat(16)11
Avg EPS beat(16)8.63%
Revenue beat(2)2
Avg Revenue beat(2)4.42%
Min Revenue beat(2)4.37%
Max Revenue beat(2)4.47%
Revenue beat(4)4
Avg Revenue beat(4)4.96%
Min Revenue beat(4)4.37%
Max Revenue beat(4)5.71%
Revenue beat(8)7
Avg Revenue beat(8)4.13%
Revenue beat(12)10
Avg Revenue beat(12)3.57%
Revenue beat(16)10
Avg Revenue beat(16)1.01%
PT rev (1m)2.99%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.37%
EPS NY rev (1m)0%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)4.57%
Revenue NY rev (3m)4.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.35 | ||
| Fwd PE | 17.3 | ||
| P/S | 2.51 | ||
| P/FCF | N/A | ||
| P/OCF | 9.59 | ||
| P/B | 1.37 | ||
| P/tB | 2.78 | ||
| EV/EBITDA | 12.52 |
EPS(TTM)2.99
EY5.45%
EPS(NY)3.17
Fwd EY5.78%
FCF(TTM)-5.32
FCFYN/A
OCF(TTM)5.72
OCFY10.43%
SpS21.9
BVpS39.99
TBVpS19.75
PEG (NY)3.64
PEG (5Y)1.11
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 6.87% | ||
| ROCE | 3.88% | ||
| ROIC | 2.98% | ||
| ROICexc | 2.99% | ||
| ROICexgc | 3.53% | ||
| OM | 22.78% | ||
| PM (TTM) | 12.56% | ||
| GM | 88.7% | ||
| FCFM | N/A |
ROA(3y)1.98%
ROA(5y)1.91%
ROE(3y)6.8%
ROE(5y)6.59%
ROIC(3y)2.84%
ROIC(5y)2.79%
ROICexc(3y)2.85%
ROICexc(5y)2.8%
ROICexgc(3y)3.41%
ROICexgc(5y)3.42%
ROCE(3y)3.73%
ROCE(5y)3.68%
ROICexgc growth 3Y4.13%
ROICexgc growth 5Y7.45%
ROICexc growth 3Y6.1%
ROICexc growth 5Y9.16%
OM growth 3Y7.27%
OM growth 5Y5.5%
PM growth 3Y6%
PM growth 5Y17.67%
GM growth 3Y1.66%
GM growth 5Y0.21%
F-Score6
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.34 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.39 | ||
| Cap/Depr | 327.86% | ||
| Cap/Sales | 50.4% | ||
| Interest Coverage | 2.44 | ||
| Cash Conversion | 68.47% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.73 | ||
| Quick Ratio | 0.73 | ||
| Altman-Z | 0.77 |
F-Score6
WACC7.5%
ROIC/WACC0.4
Cap/Depr(3y)273.96%
Cap/Depr(5y)262.79%
Cap/Sales(3y)44.13%
Cap/Sales(5y)42.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.41%
EPS 3Y12.16%
EPS 5Y16.47%
EPS Q2Q%38.89%
EPS Next Y5.04%
EPS Next 2Y5.49%
EPS Next 3Y5.75%
EPS Next 5Y5.45%
Revenue 1Y (TTM)11.65%
Revenue growth 3Y9.27%
Revenue growth 5Y12.22%
Sales Q2Q%12.2%
Revenue Next Year9.73%
Revenue Next 2Y7.67%
Revenue Next 3Y4.35%
Revenue Next 5Y4.23%
EBIT growth 1Y14.05%
EBIT growth 3Y17.21%
EBIT growth 5Y18.39%
EBIT Next Year98.6%
EBIT Next 3Y34.4%
EBIT Next 5Y21.04%
FCF growth 1Y-85.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.46%
OCF growth 3Y14.56%
OCF growth 5Y8.51%
SJW GROUP / SJW FAQ
What is the ChartMill fundamental rating of SJW GROUP (SJW) stock?
ChartMill assigns a fundamental rating of 3 / 10 to SJW.
What is the valuation status for SJW stock?
ChartMill assigns a valuation rating of 2 / 10 to SJW GROUP (SJW). This can be considered as Overvalued.
How profitable is SJW GROUP (SJW) stock?
SJW GROUP (SJW) has a profitability rating of 5 / 10.
What are the PE and PB ratios of SJW GROUP (SJW) stock?
The Price/Earnings (PE) ratio for SJW GROUP (SJW) is 18.35 and the Price/Book (PB) ratio is 1.37.
Can you provide the financial health for SJW stock?
The financial health rating of SJW GROUP (SJW) is 0 / 10.