UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
NASDAQ:UG - Nasdaq - US9105711082 - Common Stock - Currency: USD
Overall UG gets a fundamental rating of 6 out of 10. We evaluated UG 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
In the past year UG was profitable.
UG had a positive operating cash flow in the past year.
In the past 5 years UG has always been profitable.
UG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UG has a better Return On Assets (22.61%) than 97.14% of its industry peers.
Looking at the Return On Equity, with a value of 26.64%, UG belongs to the top of the industry, outperforming 91.43% of the companies in the same industry.
UG's Return On Invested Capital of 23.64% is amongst the best of the industry. UG outperforms 88.57% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital 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.
In the last couple of years the Profit Margin of UG has declined.
The Operating Margin of UG (28.32%) is better than 100.00% of its industry peers.
In the last couple of years the Operating Margin of UG has declined.
UG has a Gross Margin of 53.65%. This is in the lower half of the industry: UG underperforms 62.86% of its industry peers.
UG's Gross Margin has declined in the last couple of years.
| 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
UG has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
UG has about the same amout of shares outstanding than it did 1 year ago.
UG has about the same amout of shares outstanding than it did 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 15.47 indicates that UG is not in any danger for bankruptcy at the moment.
UG has a better Altman-Z score (15.47) than 100.00% of its industry peers.
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 | 15.47 |
ROIC/WACC2.62
WACC9.03%
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.
UG has a Current ratio of 6.07. This is amongst the best in the industry. UG outperforms 94.29% of its industry peers.
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.
UG has a better Quick ratio (5.29) than 94.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.07 | ||
| Quick Ratio | 5.29 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.37% over the past year.
The Earnings Per Share has been decreasing by -7.41% on average over the past years.
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
Based on the Price/Earnings ratio of 12.98, the valuation of UG can be described as correct.
UG's Price/Earnings ratio is a bit cheaper when compared to the industry. UG is cheaper than 80.00% of the companies in the same industry.
UG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UG is valued cheaply inside the industry as 82.86% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, UG is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.75 | ||
| EV/EBITDA | 6.78 |
4.3 Compensation for Growth
The decent profitability rating of UG 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 8.54%, UG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.67, UG pays a better dividend. On top of this UG pays more dividend than 91.43% 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 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.54% |
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 (6/18/2025, 8:00:01 PM)
8.175
+0.01 (+0.08%)
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 Cap37.52M
Analysts0
Price TargetN/A
Short Float %0.25%
Short Ratio0.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.54% |
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 | 12.98 | ||
| Fwd PE | N/A | ||
| P/S | 3.29 | ||
| P/FCF | 13.75 | ||
| P/OCF | 11.93 | ||
| P/B | 3.46 | ||
| P/tB | 3.46 | ||
| EV/EBITDA | 6.78 |
EPS(TTM)0.63
EY7.71%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.59
FCFY7.27%
OCF(TTM)0.69
OCFY8.38%
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 | 15.47 |
F-Score7
WACC9.03%
ROIC/WACC2.62
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%