UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
NASDAQ:UG - Nasdaq - US9105711082 - Common Stock - Currency: USD
Taking everything into account, UG scores 6 out of 10 in our fundamental rating. UG was compared to 35 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 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.
In the past year UG had a positive cash flow from operations.
UG had positive earnings in each of the past 5 years.
UG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UG has a Return On Assets of 23.56%. This is amongst the best in the industry. UG outperforms 97.14% of its industry peers.
The Return On Equity of UG (27.36%) is better than 88.57% of its industry peers.
The Return On Invested Capital of UG (24.33%) is better than 91.43% of its industry peers.
UG had an Average Return On Invested Capital over the past 3 years of 26.27%. This is significantly above the industry average of 16.08%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 23.56% | ||
| ROE | 27.36% | ||
| ROIC | 24.33% |
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 26.69% 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.
UG has a better Operating Margin (29.94%) than 100.00% of its industry peers.
UG's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 53.03%, UG is not doing good in the industry: 62.86% 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 | 29.94% | ||
| PM (TTM) | 26.69% | ||
| GM | 53.03% |
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.
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 15.37 indicates that UG is not in any danger for bankruptcy at the moment.
The Altman-Z score of UG (15.37) is better than 94.29% 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 | 15.37 |
ROIC/WACC2.71
WACC8.97%
2.3 Liquidity
A Current Ratio of 6.62 indicates that UG has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 6.62, UG belongs to the top of the industry, outperforming 94.29% of the companies in the same industry.
UG has a Quick Ratio of 5.86. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 5.86, UG belongs to the best of the industry, outperforming 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.62 | ||
| Quick Ratio | 5.86 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.23% over the past year.
Measured over the past years, UG shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.41% on average per year.
UG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.89%.
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)26.23%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-31.71%
Revenue 1Y (TTM)11.89%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-5%
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 11.31, which indicates a very decent valuation of UG.
Based on the Price/Earnings ratio, UG is valued a bit 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 28.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.31 | ||
| 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 82.86% of the companies listed in the same industry.
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 | 12.15 | ||
| EV/EBITDA | 5.3 |
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 8.64%, UG is a good candidate for dividend investing.
The stock price of UG dropped by -28.30% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 5.69, 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 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.64% |
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
84.79% 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.
DP84.79%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (5/5/2025, 8:00:01 PM)
8.03
+0.02 (+0.25%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.57%
Inst Owner Change-0.06%
Ins Owners7.7%
Ins Owner Change0%
Market Cap36.86M
Analysts0
Price TargetN/A
Short Float %0.27%
Short Ratio0.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.64% |
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP84.79%
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 | 11.31 | ||
| Fwd PE | N/A | ||
| P/S | 3.03 | ||
| P/FCF | 12.15 | ||
| P/OCF | 10.63 | ||
| P/B | 3.1 | ||
| P/tB | 3.1 | ||
| EV/EBITDA | 5.3 |
EPS(TTM)0.71
EY8.84%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.66
FCFY8.23%
OCF(TTM)0.76
OCFY9.4%
SpS2.65
BVpS2.59
TBVpS2.59
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 23.56% | ||
| ROE | 27.36% | ||
| ROCE | 30.69% | ||
| ROIC | 24.33% | ||
| ROICexc | 116.35% | ||
| ROICexgc | 116.35% | ||
| OM | 29.94% | ||
| PM (TTM) | 26.69% | ||
| GM | 53.03% | ||
| FCFM | 24.9% |
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 Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 451.62% | ||
| Cap/Sales | 3.56% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 92.62% | ||
| Profit Quality | 93.31% | ||
| Current Ratio | 6.62 | ||
| Quick Ratio | 5.86 | ||
| Altman-Z | 15.37 |
F-Score7
WACC8.97%
ROIC/WACC2.71
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)26.23%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-31.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.89%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-5%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y27.45%
EBIT growth 3Y-13.68%
EBIT growth 5Y-7.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.83%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y10.23%
OCF growth 3Y-13.25%
OCF growth 5Y-5%