UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
USA - NASDAQ:UG - US9105711082 - Common Stock
7.99 USD
-0.19 (-2.33%)
Taking everything into account, UG scores 6 out of 10 in our fundamental rating. UG was compared to 36 industry peers in the Personal Care Products industry. Both the health and profitability get an excellent rating, making UG a very profitable company, without any liquidiy or solvency issues. UG has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
UG had positive earnings in the past year.
In the past year UG had a positive cash flow from operations.
Each year in the past 5 years UG has been profitable.
In the past 5 years UG always reported a positive cash flow from operatings.
1.2 Ratios
UG has a better Return On Assets (19.09%) than 94.44% of its industry peers.
With an excellent Return On Equity value of 22.31%, UG belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
With an excellent Return On Invested Capital value of 19.31%, UG belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for UG is significantly above the industry average of 12.97%.
The last Return On Invested Capital (19.31%) for UG is well below the 3 year average (26.27%), which needs to be investigated, but indicates that UG had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.09% | ||
| ROE | 22.31% | ||
| ROIC | 19.31% |
ROA(3y)22.56%
ROA(5y)26.69%
ROE(3y)25.92%
ROE(5y)31.42%
ROIC(3y)26.27%
ROIC(5y)30.33%
1.3 Margins
UG has a Profit Margin of 23.55%. This is amongst the best in the industry. UG outperforms 100.00% of its industry peers.
In the last couple of years the Profit Margin of UG has declined.
UG's Operating Margin of 25.90% is amongst the best of the industry. UG outperforms 100.00% of its industry peers.
UG's Operating Margin has declined in the last couple of years.
UG has a worse Gross Margin (53.32%) than 61.11% of its industry peers.
UG's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.9% | ||
| PM (TTM) | 23.55% | ||
| GM | 53.32% |
OM growth 3Y-9.73%
OM growth 5Y-5.49%
PM growth 3Y-7.26%
PM growth 5Y-5.28%
GM growth 3Y-3.34%
GM growth 5Y-1.9%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), UG is creating value.
UG has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for UG remains at a similar level compared to 5 years ago.
There is no outstanding debt for UG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 14.99 indicates that UG is not in any danger for bankruptcy at the moment.
The Altman-Z score of UG (14.99) is better than 100.00% of its industry peers.
UG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 14.99 |
ROIC/WACC2.23
WACC8.68%
2.3 Liquidity
A Current Ratio of 6.73 indicates that UG has no problem at all paying its short term obligations.
The Current ratio of UG (6.73) is better than 100.00% of its industry peers.
UG has a Quick Ratio of 5.90. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 5.90, UG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.73 | ||
| Quick Ratio | 5.9 |
3. Growth
3.1 Past
The earnings per share for UG have decreased strongly by -21.62% in the last year.
The Earnings Per Share has been decreasing by -7.41% on average over the past years.
The Revenue for UG has decreased by -11.83% in the past year. This is quite bad
Measured over the past years, UG shows a decrease in Revenue. The Revenue has been decreasing by -2.18% on average per year.
EPS 1Y (TTM)-21.62%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)-11.83%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-16.22%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.27 indicates a correct valuation of UG.
Based on the Price/Earnings ratio, UG is valued cheaper than 83.33% of the companies in the same industry.
UG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UG indicates a rather cheap valuation: UG is cheaper than 83.33% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, UG is valued a bit cheaper than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.88 | ||
| EV/EBITDA | 7.42 |
4.3 Compensation for Growth
UG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
UG has a Yearly Dividend Yield of 6.10%, which is a nice return.
UG's Dividend Yield is rather good when compared to the industry average which is at 5.51. UG pays more dividend than 91.67% of the companies in the same industry.
UG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.1% |
5.2 History
The dividend of UG decreases each year by -11.42%.
UG has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of UG decreased recently.
Dividend Growth(5Y)-11.42%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
126.17% of the earnings are spent on dividend by UG. This is not a sustainable payout ratio.
UG's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP126.17%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (9/17/2025, 8:09:28 PM)
7.99
-0.19 (-2.33%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.79%
Inst Owner Change0.53%
Ins Owners7.12%
Ins Owner Change0%
Market Cap36.67M
Analysts0
Price TargetN/A
Short Float %0.35%
Short Ratio1.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.1% |
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP126.17%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | N/A | ||
| P/S | 3.38 | ||
| P/FCF | 20.88 | ||
| P/OCF | 17.27 | ||
| P/B | 3.2 | ||
| P/tB | 3.2 | ||
| EV/EBITDA | 7.42 |
EPS(TTM)0.56
EY7.01%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.38
FCFY4.79%
OCF(TTM)0.46
OCFY5.79%
SpS2.37
BVpS2.5
TBVpS2.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.09% | ||
| ROE | 22.31% | ||
| ROCE | 24.36% | ||
| ROIC | 19.31% | ||
| ROICexc | 71.44% | ||
| ROICexgc | 71.44% | ||
| OM | 25.9% | ||
| PM (TTM) | 23.55% | ||
| GM | 53.32% | ||
| FCFM | 16.18% |
ROA(3y)22.56%
ROA(5y)26.69%
ROE(3y)25.92%
ROE(5y)31.42%
ROIC(3y)26.27%
ROIC(5y)30.33%
ROICexc(3y)110.02%
ROICexc(5y)142.74%
ROICexgc(3y)110.02%
ROICexgc(5y)142.74%
ROCE(3y)33.14%
ROCE(5y)38.26%
ROICexcg growth 3Y-23.49%
ROICexcg growth 5Y-3.37%
ROICexc growth 3Y-23.49%
ROICexc growth 5Y-3.37%
OM growth 3Y-9.73%
OM growth 5Y-5.49%
PM growth 3Y-7.26%
PM growth 5Y-5.28%
GM growth 3Y-3.34%
GM growth 5Y-1.9%
F-Score4
Asset Turnover0.81
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 373.35% | ||
| Cap/Sales | 3.38% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 72.96% | ||
| Profit Quality | 68.69% | ||
| Current Ratio | 6.73 | ||
| Quick Ratio | 5.9 | ||
| Altman-Z | 14.99 |
F-Score4
WACC8.68%
ROIC/WACC2.23
Cap/Depr(3y)221.84%
Cap/Depr(5y)153.81%
Cap/Sales(3y)1.9%
Cap/Sales(5y)1.39%
Profit Quality(3y)101.34%
Profit Quality(5y)104.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-21.62%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-33.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.83%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-16.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-23.02%
EBIT growth 3Y-13.68%
EBIT growth 5Y-7.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-18.31%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y-4.36%
OCF growth 3Y-13.25%
OCF growth 5Y-5%