UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
NASDAQ:UG - US9105711082 - Common Stock
8.09 USD
-0.1 (-1.17%)
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. Both the health and profitability get an excellent rating, making UG a very profitable company, without any liquidiy or solvency issues. UG has a valuation in line with the averages, 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.
Each year in the past 5 years UG has been profitable.
Each year in the past 5 years UG had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 19.09%, UG belongs to the top of the industry, outperforming 94.29% of the companies in the same industry.
UG's Return On Equity of 22.31% is amongst the best of the industry. UG outperforms 88.57% of its industry peers.
Looking at the Return On Invested Capital, with a value of 19.31%, UG belongs to the top of the industry, outperforming 91.43% of the companies in the same industry.
UG had an Average Return On Invested Capital over the past 3 years of 26.27%. This is significantly above the industry average of 12.91%.
The last Return On Invested Capital (19.31%) for UG is well below the 3 year average (26.27%), which needs to be investigated, but indicates that UG had better years and this may not be a problem.
| 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 Profit Margin of 23.55%. This is amongst the best in the industry. UG outperforms 100.00% of its industry peers.
UG's Profit Margin has declined in the last couple of years.
UG's Operating Margin of 25.90% is amongst the best of the industry. UG outperforms 100.00% of its industry peers.
UG's Operating Margin has declined in the last couple of years.
UG has a Gross Margin of 53.32%. This is in the lower half of the industry: UG underperforms 62.86% of its industry peers.
In the last couple of years the Gross Margin of UG has declined.
| 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.
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
UG has an Altman-Z score of 15.27. This indicates that UG is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 15.27, 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 | 15.27 |
ROIC/WACC2.17
WACC8.9%
2.3 Liquidity
A Current Ratio of 6.73 indicates that UG has no problem at all paying its short term obligations.
With an excellent Current ratio value of 6.73, UG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Quick Ratio of 5.90 indicates that UG has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 5.90, UG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| 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.
The Earnings Per Share has been decreasing by -7.41% on average over the past years.
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 14.45, UG is valued correctly.
85.71% of the companies in the same industry are more expensive than UG, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.14. UG is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.45 | ||
| 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 77.14% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, UG is valued a bit cheaper than the industry average as 77.14% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.14 | ||
| EV/EBITDA | 7.73 |
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 6.02%, which is a nice return.
UG's Dividend Yield is rather good when compared to the industry average which is at 5.55. 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 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.02% |
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
126.17% 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.
DP126.17%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UG (8/27/2025, 8:21:38 PM)
8.09
-0.1 (-1.17%)
Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)
Earnings (Next)
Inst Owners22.79%
Inst Owner Change0.53%
Ins Owners7.12%
Ins Owner Change0%
Market Cap37.13M
Analysts0
Price TargetN/A
Short Float %0.25%
Short Ratio0.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.02% |
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 | 14.45 | ||
| Fwd PE | N/A | ||
| P/S | 3.42 | ||
| P/FCF | 21.14 | ||
| P/OCF | 17.49 | ||
| P/B | 3.24 | ||
| P/tB | 3.24 | ||
| EV/EBITDA | 7.73 |
EPS(TTM)0.56
EY6.92%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.38
FCFY4.73%
OCF(TTM)0.46
OCFY5.72%
SpS2.37
BVpS2.5
TBVpS2.5
PEG (NY)N/A
PEG (5Y)N/A
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%
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-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 | 15.27 |
F-Score4
WACC8.9%
ROIC/WACC2.17
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%