UNITED GUARDIAN INC (UG) Stock Fundamental Analysis
USA - NASDAQ:UG - US9105711082 - Common Stock
7.93 USD
-0.06 (-0.75%)
7.93 USD
0 (0%)
Overall UG gets a fundamental rating of 6 out of 10. We evaluated UG against 36 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
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
Looking at the Return On Assets, with a value of 19.09%, UG belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
UG's Return On Equity of 22.31% is amongst the best of the industry. UG outperforms 88.89% of its industry peers.
UG's Return On Invested Capital of 19.31% is amongst the best of the industry. UG outperforms 88.89% 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 12.97%.
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'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.
With a Gross Margin value of 53.32%, UG is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so UG is creating value.
Compared to 1 year ago, UG has about the same amount of shares outstanding.
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 14.91. This indicates that UG is financially healthy and has little risk of bankruptcy at the moment.
UG has a Altman-Z score of 14.91. This is amongst the best in the industry. UG outperforms 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 | 14.91 |
ROIC/WACC2.22
WACC8.7%
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.
The Current ratio of UG (6.73) is better 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
UG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.62%.
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
Based on the Price/Earnings ratio of 14.16, the valuation of UG can be described as correct.
Based on the Price/Earnings ratio, UG is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.41, UG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.16 | ||
| 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 83.33% 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 77.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.72 | ||
| EV/EBITDA | 7.33 |
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 6.10%, which is a nice return.
Compared to an average industry Dividend Yield of 5.51, UG pays a better dividend. On top of this UG pays more dividend than 91.67% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, UG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.1% |
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
7.93
-0.06 (-0.75%)
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 Cap36.40M
Analysts0
Price TargetN/A
Short Float %0.35%
Short Ratio1.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.1% |
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 | 14.16 | ||
| Fwd PE | N/A | ||
| P/S | 3.35 | ||
| P/FCF | 20.72 | ||
| P/OCF | 17.14 | ||
| P/B | 3.18 | ||
| P/tB | 3.18 | ||
| EV/EBITDA | 7.33 |
EPS(TTM)0.56
EY7.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.38
FCFY4.83%
OCF(TTM)0.46
OCFY5.83%
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 | 14.91 |
F-Score4
WACC8.7%
ROIC/WACC2.22
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%