H2O America (HTO)vsCharles Schwab Corp (SCHW)
HTO
H2O America
$57.60
-0.66%
UTILITIES · Cap: $2.37B
SCHW
Charles Schwab Corp
$92.15
-0.27%
FINANCIAL SERVICES · Cap: $160.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 2939% more annual revenue ($24.80B vs $816.28M). SCHW leads profitability with a 38.0% profit margin vs 12.9%. SCHW appears more attractively valued with a PEG of 1.17. SCHW earns a higher WallStSmart Score of 75/100 (B+).
HTO
Buy57
out of 100
Grade: C
SCHW
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+32.5%
Fair Value
$76.99
Current Price
$57.60
$19.39 discount
Intrinsic value data unavailable for SCHW.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 21.5%
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
Conservative balance sheet, low leverage
Large-cap with strong market position
15.8% revenue growth
Earnings expanding 38.6% YoY
Areas to Watch
0.0% earnings growth
ROE of 6.5% — below average capital efficiency
Expensive relative to growth rate
Negative free cash flow — burning cash
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : HTO
The strongest argument for HTO centers on Price/Book, Operating Margin.
Bull Case : SCHW
The strongest argument for SCHW centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.0% and operating margin at 49.2%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : HTO
The primary concerns for HTO are EPS Growth, Return on Equity, PEG Ratio.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow.
Key Dynamics to Monitor
HTO profiles as a value stock while SCHW is a growth play — different risk/reward profiles.
SCHW carries more volatility with a beta of 0.80 — expect wider price swings.
SCHW is growing revenue faster at 15.8% — sustainability is the question.
HTO generates stronger free cash flow (-49M), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 57/100), backed by strong 38.0% margins and 15.8% revenue growth. HTO offers better value entry with a 32.5% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
H2O America
UTILITIES · UTILITIES - REGULATED WATER · USA
H2O America, provides water utility and other related services in the United States. The company is headquartered in San Jose, California.
Charles Schwab Corp
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.
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