California Water Service Group (CWT)vsThe Travelers Companies Inc (TRV)
CWT
California Water Service Group
$43.03
-0.02%
UTILITIES · Cap: $2.54B
TRV
The Travelers Companies Inc
$301.59
+0.08%
FINANCIAL SERVICES · Cap: $64.80B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 4742% more annual revenue ($48.94B vs $1.01B). TRV leads profitability with a 15.5% profit margin vs 11.8%. CWT appears more attractively valued with a PEG of 1.93. TRV earns a higher WallStSmart Score of 72/100 (B).
CWT
Buy53
out of 100
Grade: C-
TRV
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+30.3%
Fair Value
$63.31
Current Price
$43.03
$20.28 discount
Intrinsic value data unavailable for TRV.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Earnings declined 69.3%
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CWT
The strongest argument for CWT centers on Price/Book.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
Bear Case : CWT
The primary concerns for CWT are PEG Ratio, Return on Equity, Piotroski F-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CWT carries more volatility with a beta of 0.61 — expect wider price swings.
CWT is growing revenue faster at 5.2% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor UTILITIES - REGULATED WATER industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (72/100 vs 53/100), backed by strong 15.5% margins. CWT offers better value entry with a 30.3% 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.
California Water Service Group
UTILITIES · UTILITIES - REGULATED WATER · USA
California Water Service Group provides public water and related services in California, Washington, New Mexico and Hawaii. The company is headquartered in San Jose, California.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other UTILITIES - REGULATED WATER Stocks
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