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 35 industry peers in the Personal Care Products industry. UG scores excellent points on both the profitability and health parts. This is a solid base for a good stock. UG is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
UG had positive earnings in the past year.
UG had a positive operating cash flow in the past year.
UG had positive earnings in each of the past 5 years.
Each year in the past 5 years UG had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 22.61%, UG belongs to the best of the industry, outperforming 97.14% of the companies in the same industry.
UG's Return On Equity of 26.64% is amongst the best of the industry. UG outperforms 91.43% of its industry peers.
With an excellent Return On Invested Capital value of 23.64%, UG belongs to the best of the industry, outperforming 88.57% 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 15.14%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 22.61% | ||
| ROE | 26.64% | ||
| ROIC | 23.64% |
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's Profit Margin of 25.30% is amongst the best of the industry. UG outperforms 100.00% of its industry peers.
UG's Profit Margin has declined in the last couple of years.
UG has a better Operating Margin (28.32%) than 100.00% of its industry peers.
UG's Operating Margin has declined in the last couple of years.
UG's Gross Margin of 53.65% is on the low side compared to the rest of the industry. UG is outperformed by 62.86% of its industry peers.
In the last couple of years the Gross Margin of UG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.32% | ||
| PM (TTM) | 25.3% | ||
| GM | 53.65% |
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.
The number of shares outstanding for UG remains at a similar level compared to 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 15.26 indicates that UG is not in any danger for bankruptcy at the moment.
The Altman-Z score of UG (15.26) 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 | 15.26 |
ROIC/WACC2.65
WACC8.93%
2.3 Liquidity
UG has a Current Ratio of 6.07. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 6.07, UG belongs to the best of the industry, outperforming 94.29% of the companies in the same industry.
UG has a Quick Ratio of 5.29. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 5.29, UG belongs to the best of the industry, outperforming 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.07 | ||
| Quick Ratio | 5.29 |
3. Growth
3.1 Past
UG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.37%.
UG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.41% yearly.
The Revenue has decreased by -1.42% in the past year.
UG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.18% yearly.
EPS 1Y (TTM)4.37%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-39.37%
Revenue 1Y (TTM)-1.42%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-23.81%
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
The Price/Earnings ratio is 12.81, which indicates a correct valuation of UG.
UG's Price/Earnings ratio is rather cheap when compared to the industry. UG is cheaper than 82.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.28, UG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
82.86% of the companies in the same industry are more expensive than UG, based on the Enterprise Value to EBITDA ratio.
82.86% of the companies in the same industry are more expensive than UG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.57 | ||
| EV/EBITDA | 6.58 |
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 8.43%, which is a nice return.
UG's Dividend Yield is rather good when compared to the industry average which is at 5.83. UG pays more dividend than 91.43% of the companies in the same industry.
UG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.43% |
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.
UG has decreased its dividend recently.
Dividend Growth(5Y)-11.42%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
111.41% 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.
DP111.41%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (7/2/2025, 8:02:19 PM)
8.07
+0.04 (+0.5%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.58%
Inst Owner Change0.08%
Ins Owners7.12%
Ins Owner Change0%
Market Cap37.04M
Analysts0
Price TargetN/A
Short Float %0.24%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.43% |
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP111.41%
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 | 12.81 | ||
| Fwd PE | N/A | ||
| P/S | 3.25 | ||
| P/FCF | 13.57 | ||
| P/OCF | 11.78 | ||
| P/B | 3.42 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | 6.58 |
EPS(TTM)0.63
EY7.81%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.59
FCFY7.37%
OCF(TTM)0.69
OCFY8.49%
SpS2.49
BVpS2.36
TBVpS2.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 22.61% | ||
| ROE | 26.64% | ||
| ROCE | 29.82% | ||
| ROIC | 23.64% | ||
| ROICexc | 94.35% | ||
| ROICexgc | 94.35% | ||
| OM | 28.32% | ||
| PM (TTM) | 25.3% | ||
| GM | 53.65% | ||
| FCFM | 23.93% |
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-Score7
Asset Turnover0.89
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 426.65% | ||
| Cap/Sales | 3.64% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 94.47% | ||
| Profit Quality | 94.57% | ||
| Current Ratio | 6.07 | ||
| Quick Ratio | 5.29 | ||
| Altman-Z | 15.26 |
F-Score7
WACC8.93%
ROIC/WACC2.65
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)4.37%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-39.37%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.42%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-23.81%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.66%
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-3.89%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y7.68%
OCF growth 3Y-13.25%
OCF growth 5Y-5%