5.85 USD
+0.06 (+1.04%)
We assign a fundamental rating of 6 out of 10 to UG. UG was compared to 36 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 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.
UG had a positive operating cash flow in the past year.
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 better Return On Assets (16.09%) than 91.67% of its industry peers.
UG has a better Return On Equity (18.52%) than 88.89% of its industry peers.
The Return On Invested Capital of UG (15.56%) is better than 83.33% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UG is significantly above the industry average of 12.46%.
The 3 year average ROIC (26.27%) for UG is well above the current ROIC(15.56%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.09% | ||
| ROE | 18.52% | ||
| ROIC | 15.56% |
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
Looking at the Profit Margin, with a value of 19.48%, 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 20.65%. This is amongst the best in the industry. UG outperforms 100.00% of its industry peers.
UG's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 50.60%, UG is doing worse than 63.89% of the companies in the same industry.
In the last couple of years the Gross Margin of UG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.65% | ||
| PM (TTM) | 19.48% | ||
| GM | 50.6% |
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.
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 13.48 indicates that UG is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 13.48, UG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 13.48 |
ROIC/WACC1.78
WACC8.73%
2.3 Liquidity
UG has a Current Ratio of 7.04. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of UG (7.04) is better than 97.22% of its industry peers.
A Quick Ratio of 6.16 indicates that UG has no problem at all paying its short term obligations.
The Quick ratio of UG (6.16) is better than 97.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.04 | ||
| Quick Ratio | 6.16 |
3. Growth
3.1 Past
The earnings per share for UG have decreased strongly by -43.76% in the last year.
UG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.41% yearly.
UG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.29%.
The Revenue has been decreasing by -2.18% on average over the past years.
EPS 1Y (TTM)-43.76%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-69%
Revenue 1Y (TTM)-18.29%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-26.01%
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 13.60.
Based on the Price/Earnings ratio, UG is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
UG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.6 | ||
| 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 88.89% of the companies listed in the same industry.
UG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UG is cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.28 | ||
| EV/EBITDA | 4.96 |
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
With a Yearly Dividend Yield of 8.80%, UG is a good candidate for dividend investing.
In the last 3 months the price of UG has falen by -31.96%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 7.12, UG pays a better dividend. On top of this UG pays more dividend than 91.67% of the companies listed in the same industry.
UG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
5.2 History
The dividend of UG decreases each year by -11.42%.
UG has been paying a dividend for at least 10 years, so it has 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
141.17% of the earnings are spent on dividend by UG. 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.
DP141.17%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (12/4/2025, 1:32:45 PM)
5.85
+0.06 (+1.04%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.91%
Inst Owner Change1.24%
Ins Owners7.12%
Ins Owner Change0%
Market Cap26.85M
Revenue(TTM)10.06M
Net Income(TTM)1.96M
Analysts0
Price TargetN/A
Short Float %0.26%
Short Ratio0.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP141.17%
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 | 13.6 | ||
| Fwd PE | N/A | ||
| P/S | 2.67 | ||
| P/FCF | 17.28 | ||
| P/OCF | 14.09 | ||
| P/B | 2.54 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | 4.96 |
EPS(TTM)0.43
EY7.35%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.34
FCFY5.79%
OCF(TTM)0.42
OCFY7.1%
SpS2.19
BVpS2.31
TBVpS2.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.09% | ||
| ROE | 18.52% | ||
| ROCE | 19.64% | ||
| ROIC | 15.56% | ||
| ROICexc | 72.31% | ||
| ROICexgc | 72.31% | ||
| OM | 20.65% | ||
| PM (TTM) | 19.48% | ||
| GM | 50.6% | ||
| FCFM | 15.45% |
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%
ROICexgc growth 3Y-23.49%
ROICexgc 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 Turnover0.83
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 338.83% | ||
| Cap/Sales | 3.5% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 87.34% | ||
| Profit Quality | 79.29% | ||
| Current Ratio | 7.04 | ||
| Quick Ratio | 6.16 | ||
| Altman-Z | 13.48 |
F-Score4
WACC8.73%
ROIC/WACC1.78
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)-43.76%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-69%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.29%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-26.01%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.47%
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-39.3%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y-28.09%
OCF growth 3Y-13.25%
OCF growth 5Y-5%
UNITED GUARDIAN INC / UG FAQ
What is the fundamental rating for UG stock?
ChartMill assigns a fundamental rating of 6 / 10 to UG.
Can you provide the valuation status for UNITED GUARDIAN INC?
ChartMill assigns a valuation rating of 4 / 10 to UNITED GUARDIAN INC (UG). This can be considered as Fairly Valued.
Can you provide the profitability details for UNITED GUARDIAN INC?
UNITED GUARDIAN INC (UG) has a profitability rating of 7 / 10.
What is the financial health of UNITED GUARDIAN INC (UG) stock?
The financial health rating of UNITED GUARDIAN INC (UG) is 10 / 10.