UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
NASDAQ:UG - Nasdaq - US9105711082 - Common Stock - Currency: USD
UG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 37 industry peers in the Personal Care Products industry. UG has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. UG has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
In the past 5 years UG has always been profitable.
In the past 5 years UG always reported a positive cash flow from operatings.
1.2 Ratios
UG has a Return On Assets of 26.29%. This is amongst the best in the industry. UG outperforms 97.22% of its industry peers.
Looking at the Return On Equity, with a value of 30.62%, UG belongs to the top of the industry, outperforming 97.22% of the companies in the same industry.
UG has a Return On Invested Capital of 27.11%. This is amongst the best in the industry. UG outperforms 97.22% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UG is significantly above the industry average of 13.42%.
The last Return On Invested Capital (27.11%) for UG is well below the 3 year average (33.38%), which needs to be investigated, but indicates that UG had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.29% | ||
| ROE | 30.62% | ||
| ROIC | 27.11% |
ROA(3y)27.4%
ROA(5y)29.68%
ROE(3y)32.61%
ROE(5y)34.9%
ROIC(3y)33.38%
ROIC(5y)33.33%
1.3 Margins
Looking at the Profit Margin, with a value of 28.30%, UG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
UG's Profit Margin has declined in the last couple of years.
UG has a Operating Margin of 31.53%. This is amongst the best in the industry. UG outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of UG has declined.
With a Gross Margin value of 53.43%, UG is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
UG's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 31.53% | ||
| PM (TTM) | 28.3% | ||
| GM | 53.43% |
OM growth 3Y-7.4%
OM growth 5Y-8.71%
PM growth 3Y-7.57%
PM growth 5Y-6.02%
GM growth 3Y-3.69%
GM growth 5Y-3.78%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so UG is creating value.
Compared to 1 year ago, UG has about the same amount of shares outstanding.
Compared to 5 years ago, UG has about the same amount of shares outstanding.
UG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 19.88 indicates that UG is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 19.88, UG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 | 19.88 |
ROIC/WACC2.99
WACC9.06%
2.3 Liquidity
A Current Ratio of 6.66 indicates that UG has no problem at all paying its short term obligations.
UG has a better Current ratio (6.66) than 97.22% of its industry peers.
UG has a Quick Ratio of 6.02. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
UG has a Quick ratio of 6.02. This is amongst the best in the industry. UG outperforms 97.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.66 | ||
| Quick Ratio | 6.02 |
3. Growth
3.1 Past
UG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.90%, which is quite impressive.
Measured over the past years, UG shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.97% on average per year.
UG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.52%.
Measured over the past years, UG shows a decrease in Revenue. The Revenue has been decreasing by -4.14% on average per year.
EPS 1Y (TTM)37.9%
EPS 3Y-7.93%
EPS 5Y-9.97%
EPS Q2Q%34.56%
Revenue 1Y (TTM)11.52%
Revenue growth 3Y-0.32%
Revenue growth 5Y-4.14%
Sales Q2Q%0%
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
UG is valuated correctly with a Price/Earnings ratio of 13.81.
80.56% of the companies in the same industry are more expensive than UG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.63, UG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
77.78% of the companies in the same industry are more expensive than UG, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, UG is valued cheaper than 86.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.73 | ||
| EV/EBITDA | 8.29 |
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 6.76%, which is a nice return.
Compared to an average industry Dividend Yield of 5.12, UG pays a better dividend. On top of this UG pays more dividend than 91.67% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, UG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.76% |
5.2 History
The dividend of UG decreases each year by -37.52%.
UG has been paying a dividend for at least 10 years, so it has a reliable track record.
UG has decreased its dividend recently.
Dividend Growth(5Y)-37.52%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
UG pays out 79.08% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of UG has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP79.08%
EPS Next 2YN/A
EPS Next 3YN/A
10.4967
-0.31 (-2.9%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners23.67%
Inst Owner Change2.44%
Ins Owners7.7%
Ins Owner Change0%
Market Cap48.18M
Analysts0
Price TargetN/A
Short Float %0.49%
Short Ratio1.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.76% |
Yearly Dividend0.1
Dividend Growth(5Y)-37.52%
DP79.08%
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 | 13.81 | ||
| Fwd PE | N/A | ||
| P/S | 3.91 | ||
| P/FCF | 11.73 | ||
| P/OCF | 11.15 | ||
| P/B | 4.23 | ||
| P/tB | 4.23 | ||
| EV/EBITDA | 8.29 |
EPS(TTM)0.76
EY7.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.89
FCFY8.53%
OCF(TTM)0.94
OCFY8.97%
SpS2.68
BVpS2.48
TBVpS2.48
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.29% | ||
| ROE | 30.62% | ||
| ROCE | 34.11% | ||
| ROIC | 27.11% | ||
| ROICexc | 163.88% | ||
| ROICexgc | 163.88% | ||
| OM | 31.53% | ||
| PM (TTM) | 28.3% | ||
| GM | 53.43% | ||
| FCFM | 33.36% |
ROA(3y)27.4%
ROA(5y)29.68%
ROE(3y)32.61%
ROE(5y)34.9%
ROIC(3y)33.38%
ROIC(5y)33.33%
ROICexc(3y)158.27%
ROICexc(5y)147.49%
ROICexgc(3y)158.27%
ROICexgc(5y)147.49%
ROCE(3y)42%
ROCE(5y)41.93%
ROICexcg growth 3Y-7.21%
ROICexcg growth 5Y-7.67%
ROICexc growth 3Y-7.21%
ROICexc growth 5Y-7.67%
OM growth 3Y-7.4%
OM growth 5Y-8.71%
PM growth 3Y-7.57%
PM growth 5Y-6.02%
GM growth 3Y-3.69%
GM growth 5Y-3.78%
F-Score7
Asset Turnover0.93
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 203% | ||
| Cap/Sales | 1.74% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 108.39% | ||
| Profit Quality | 117.89% | ||
| Current Ratio | 6.66 | ||
| Quick Ratio | 6.02 | ||
| Altman-Z | 19.88 |
F-Score7
WACC9.06%
ROIC/WACC2.99
Cap/Depr(3y)97.99%
Cap/Depr(5y)75.72%
Cap/Sales(3y)1%
Cap/Sales(5y)0.84%
Profit Quality(3y)107.37%
Profit Quality(5y)104.3%
High Growth Momentum
Growth
EPS 1Y (TTM)37.9%
EPS 3Y-7.93%
EPS 5Y-9.97%
EPS Q2Q%34.56%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.52%
Revenue growth 3Y-0.32%
Revenue growth 5Y-4.14%
Sales Q2Q%0%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y42.71%
EBIT growth 3Y-7.69%
EBIT growth 5Y-12.49%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.72%
FCF growth 3Y-5.68%
FCF growth 5Y-9.4%
OCF growth 1Y21.39%
OCF growth 3Y-4.32%
OCF growth 5Y-8.68%