California Water Service Group (CWT)vsUnitedHealth Group Incorporated (UNH)
CWT
California Water Service Group
$43.03
-0.02%
UTILITIES · Cap: $2.54B
UNH
UnitedHealth Group Incorporated
$367.28
+0.94%
HEALTHCARE · Cap: $336.72B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 44393% more annual revenue ($449.71B vs $1.01B). CWT leads profitability with a 11.8% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.28. UNH earns a higher WallStSmart Score of 54/100 (C-).
CWT
Buy53
out of 100
Grade: C-
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+30.3%
Fair Value
$63.31
Current Price
$43.03
$20.28 discount
Margin of Safety
+43.1%
Fair Value
$639.67
Current Price
$367.28
$272.39 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Earnings declined 69.3%
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : CWT
The strongest argument for CWT centers on Price/Book.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.28 suggests the stock is reasonably priced for its growth.
Bear Case : CWT
The primary concerns for CWT are PEG Ratio, Return on Equity, Piotroski F-Score.
Bear Case : UNH
The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
UNH carries more volatility with a beta of 0.65 — expect wider price swings.
CWT is growing revenue faster at 5.2% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Monitor UTILITIES - REGULATED WATER industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNH scores higher overall (54/100 vs 53/100). CWT offers better value entry with a 30.3% margin of safety. Both earn "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 →UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
Visit Website →Compare with Other UTILITIES - REGULATED WATER Stocks
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