H2O America (HTO)vsToronto Dominion Bank (TD)
HTO
H2O America
$57.60
-0.66%
UTILITIES · Cap: $2.37B
TD
Toronto Dominion Bank
$108.60
+2.51%
FINANCIAL SERVICES · Cap: $178.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Toronto Dominion Bank generates 7983% more annual revenue ($65.98B vs $816.28M). TD leads profitability with a 33.0% profit margin vs 12.9%. TD appears more attractively valued with a PEG of 1.01. TD earns a higher WallStSmart Score of 81/100 (A-).
HTO
Buy57
out of 100
Grade: C
TD
Exceptional Buy81
out of 100
Grade: A-
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 TD.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 21.5%
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 35.9%
Earnings expanding 51.3% YoY
Generating 35.1B in free cash flow
Large-cap with strong market position
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
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HTO
The strongest argument for HTO centers on Price/Book, Operating Margin.
Bull Case : TD
The strongest argument for TD centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.0% and operating margin at 35.9%. Revenue growth of 21.1% demonstrates continued momentum.
Bear Case : HTO
The primary concerns for HTO are EPS Growth, Return on Equity, PEG Ratio.
Bear Case : TD
The primary concerns for TD are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.14 is elevated, increasing financial risk.
Key Dynamics to Monitor
HTO profiles as a value stock while TD is a growth play — different risk/reward profiles.
TD carries more volatility with a beta of 0.87 — expect wider price swings.
TD is growing revenue faster at 21.1% — sustainability is the question.
TD generates stronger free cash flow (35.1B), providing more financial flexibility.
Bottom Line
TD scores higher overall (81/100 vs 57/100), backed by strong 33.0% margins and 21.1% revenue growth. HTO offers better value entry with a 32.5% margin of safety. Both earn "Exceptional 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.
Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
Visit Website →Compare with Other UTILITIES - REGULATED WATER Stocks
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