UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
USA - NASDAQ:UG - US9105711082 - Common Stock
7.3 USD
-0.17 (-2.28%)
Taking everything into account, UG scores 6 out of 10 in our fundamental rating. UG was compared to 34 industry peers in the Personal Care Products industry. Both the health and profitability get an excellent rating, making UG a very profitable company, without any liquidiy or solvency issues. 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.
Each year in the past 5 years UG had a positive operating cash flow.
1.2 Ratios
UG has a better Return On Assets (19.09%) than 97.06% of its industry peers.
UG has a better Return On Equity (22.31%) than 91.18% of its industry peers.
With an excellent Return On Invested Capital value of 19.31%, UG belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for UG is significantly above the industry average of 12.77%.
The 3 year average ROIC (26.27%) for UG is well above the current ROIC(19.31%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.09% | ||
| ROE | 22.31% | ||
| ROIC | 19.31% |
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 has a better Profit Margin (23.55%) than 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 (25.90%) than 100.00% of its industry peers.
In the last couple of years the Operating Margin of UG has declined.
UG has a worse Gross Margin (53.32%) than 67.65% of its industry peers.
UG's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.9% | ||
| PM (TTM) | 23.55% | ||
| GM | 53.32% |
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.
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
UG has an Altman-Z score of 14.01. This indicates that UG is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 14.01, UG belongs to the top 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 | 14.01 |
ROIC/WACC2.21
WACC8.72%
2.3 Liquidity
UG has a Current Ratio of 6.73. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
UG has a better Current ratio (6.73) than 100.00% of its industry peers.
UG has a Quick Ratio of 5.90. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
UG has a better Quick ratio (5.90) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.73 | ||
| Quick Ratio | 5.9 |
3. Growth
3.1 Past
The earnings per share for UG have decreased strongly by -21.62% in the last 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.
Looking at the last year, UG shows a very negative growth in Revenue. The Revenue has decreased by -11.83% in the last year.
UG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.18% yearly.
EPS 1Y (TTM)-21.62%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)-11.83%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-16.22%
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
With a Price/Earnings ratio of 13.04, UG is valued correctly.
Based on the Price/Earnings ratio, UG is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
UG is valuated cheaply when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.04 | ||
| 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 somewhat cheap valuation: UG is cheaper than 79.41% of the companies listed in the same industry.
70.59% 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 | 19.08 | ||
| EV/EBITDA | 6.33 |
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
UG has a Yearly Dividend Yield of 6.51%, which is a nice return.
UG's Dividend Yield is rather good when compared to the industry average which is at 5.86. UG pays more dividend than 91.18% of the companies in the same industry.
UG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.51% |
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
UG pays out 126.17% 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.
DP126.17%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (10/30/2025, 8:00:01 PM)
7.3
-0.17 (-2.28%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.91%
Inst Owner Change0%
Ins Owners7.12%
Ins Owner Change0%
Market Cap33.51M
Revenue(TTM)10.86M
Net Income(TTM)2.56M
Analysts0
Price TargetN/A
Short Float %0.24%
Short Ratio1.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.51% |
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP126.17%
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 | 13.04 | ||
| Fwd PE | N/A | ||
| P/S | 3.09 | ||
| P/FCF | 19.08 | ||
| P/OCF | 15.78 | ||
| P/B | 2.92 | ||
| P/tB | 2.92 | ||
| EV/EBITDA | 6.33 |
EPS(TTM)0.56
EY7.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.38
FCFY5.24%
OCF(TTM)0.46
OCFY6.34%
SpS2.37
BVpS2.5
TBVpS2.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.09% | ||
| ROE | 22.31% | ||
| ROCE | 24.36% | ||
| ROIC | 19.31% | ||
| ROICexc | 71.44% | ||
| ROICexgc | 71.44% | ||
| OM | 25.9% | ||
| PM (TTM) | 23.55% | ||
| GM | 53.32% | ||
| FCFM | 16.18% |
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 Turnover0.81
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 373.35% | ||
| Cap/Sales | 3.38% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 72.96% | ||
| Profit Quality | 68.69% | ||
| Current Ratio | 6.73 | ||
| Quick Ratio | 5.9 | ||
| Altman-Z | 14.01 |
F-Score4
WACC8.72%
ROIC/WACC2.21
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)-21.62%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-33.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.83%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-16.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-23.02%
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-18.31%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y-4.36%
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.