54.86 USD
-0.37 (-0.67%)
54.86 USD
0 (0%)
Overall SJW gets a fundamental rating of 3 out of 10. We evaluated SJW against 14 industry peers in the Water Utilities industry. While SJW is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, SJW is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year SJW was profitable.
- In the past year SJW had a positive cash flow from operations.
- Each year in the past 5 years SJW has been profitable.
- In the past 5 years SJW always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of SJW (2.02%) is worse than 73.33% of its industry peers.
- SJW has a Return On Equity of 6.87%. This is amonst the worse of the industry: SJW underperforms 80.00% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.98%, SJW is doing worse than 73.33% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for SJW is below the industry average of 4.89%.
- 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
- The Profit Margin of SJW (12.56%) is worse than 73.33% of its industry peers.
- SJW's Profit Margin has improved in the last couple of years.
- The Operating Margin of SJW (22.78%) is worse than 60.00% of its industry peers.
- SJW's Operating Margin has improved in the last couple of years.
- SJW's Gross Margin of 88.70% is amongst the best of the industry. SJW outperforms 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SJW is destroying value.
- SJW has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SJW has more shares outstanding
- The debt/assets ratio for SJW has been reduced compared to a year ago.
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's Altman-Z score of 0.77 is on the low side compared to the rest of the industry. SJW is outperformed by 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 worse Debt to Equity ratio (1.34) than 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.
- Looking at the Current ratio, with a value of 0.73, SJW is doing worse than 66.67% of the companies in the same industry.
- SJW has a Quick 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.
- With a Quick ratio value of 0.73, SJW is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.73 | ||
| Quick Ratio | 0.73 |
3. Growth
3.1 Past
- SJW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.41%, which is quite good.
- Measured over the past years, SJW shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.47% on average per year.
- Looking at the last year, SJW shows a quite strong growth in Revenue. The Revenue has grown by 11.65% in the last year.
- The Revenue has been growing by 12.22% on average over the past years. This is quite good.
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.
- The Revenue is expected to grow by 4.23% on average over the next years.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 18.35, SJW is valued on the expensive side.
- SJW's Price/Earnings ratio is a bit cheaper when compared to the industry. SJW is cheaper than 73.33% of the companies in the same industry.
- SJW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.33.
- Based on the Price/Forward Earnings ratio of 17.30, the valuation of SJW can be described as rather expensive.
- 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, SJW is valued a bit cheaper.
| 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 73.33% of the companies in the same industry.
| 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 an expensive valuation of the company.
PEG (NY)3.64
PEG (5Y)1.11
EPS Next 2Y5.49%
EPS Next 3Y5.75%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.06%, SJW has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.99, SJW pays a bit more dividend than its industry peers.
- SJW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| 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.
- SJW's earnings are growing slower than its dividend. 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 Change0.39%
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.