UNITED GUARDIAN INC (UG) Stock Fundamental Analysis

NASDAQ:UG • US9105711082

6.49 USD
-0.23 (-3.42%)
Last: Mar 2, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, UG scores 6 out of 10 in our fundamental rating. UG was compared to 37 industry peers in the Personal Care Products industry. UG gets an excellent profitability rating and is at the same time showing great financial health properties. UG is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • UG had positive earnings in the past year.
  • UG had a positive operating cash flow in the past year.
  • 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.
UG Yearly Net Income VS EBIT VS OCF VS FCFUG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

1.2 Ratios

  • UG has a better Return On Assets (16.09%) than 94.59% of its industry peers.
  • UG has a better Return On Equity (18.52%) than 86.49% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 15.56%, UG belongs to the top of the industry, outperforming 86.49% 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 11.10%.
  • The 3 year average ROIC (26.27%) for UG is well above the current ROIC(15.56%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 16.09%
ROE 18.52%
ROIC 15.56%
ROA(3y)22.56%
ROA(5y)26.69%
ROE(3y)25.92%
ROE(5y)31.42%
ROIC(3y)26.27%
ROIC(5y)30.33%
UG Yearly ROA, ROE, ROICUG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

1.3 Margins

  • Looking at the Profit Margin, with a value of 19.48%, UG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • UG's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 20.65%, UG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UG has declined.
  • The Gross Margin of UG (50.60%) is worse than 62.16% of its industry peers.
  • In the last couple of years the Gross Margin of UG has declined.
Industry RankSector Rank
OM 20.65%
PM (TTM) 19.48%
GM 50.6%
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%
UG Yearly Profit, Operating, Gross MarginsUG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

10

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.
  • UG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
UG Yearly Shares OutstandingUG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
UG Yearly Total Debt VS Total AssetsUG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

2.2 Solvency

  • An Altman-Z score of 14.69 indicates that UG is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of UG (14.69) is better than 100.00% of its industry peers.
  • UG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 14.69
ROIC/WACC1.81
WACC8.61%
UG Yearly LT Debt VS Equity VS FCFUG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

2.3 Liquidity

  • UG has a Current Ratio of 7.04. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of UG (7.04) is better than 97.30% of its industry peers.
  • UG has a Quick Ratio of 6.16. This indicates that UG is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 6.16, UG belongs to the top of the industry, outperforming 97.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 7.04
Quick Ratio 6.16
UG Yearly Current Assets VS Current LiabilitesUG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. Growth

3.1 Past

  • UG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.76%.
  • UG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.41% yearly.
  • The Revenue for UG has decreased by -18.29% in the past year. This is quite bad
  • The Revenue has been decreasing by -2.18% on average over the past years.
EPS 1Y (TTM)-43.76%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-69%
Revenue 1Y (TTM)-18.29%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-26.01%

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.
UG Yearly Revenue VS EstimatesUG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.09 indicates a correct valuation of UG.
  • Compared to the rest of the industry, the Price/Earnings ratio of UG indicates a somewhat cheap valuation: UG is cheaper than 72.97% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of UG to the average of the S&P500 Index (27.13), we can say UG is valued slightly cheaper.
Industry RankSector Rank
PE 15.09
Fwd PE N/A
UG Price Earnings VS Forward Price EarningsUG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, UG is valued cheaper than 83.78% of the companies in the same industry.
  • UG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UG is cheaper than 67.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.17
EV/EBITDA 6.44
UG Per share dataUG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • UG has a Yearly Dividend Yield of 7.58%, which is a nice return.
  • Compared to an average industry Dividend Yield of 1.61, UG pays a better dividend. On top of this UG pays more dividend than 91.89% 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 1.82.
Industry RankSector Rank
Dividend Yield 7.58%

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
UG Yearly Dividends per shareUG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 141.17% 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.
DP141.17%
EPS Next 2YN/A
EPS Next 3YN/A
UG Yearly Income VS Free CF VS DividendUG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
UG Dividend Payout.UG Dividend Payout, showing the Payout Ratio.UG Dividend Payout.PayoutRetained Earnings

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UNITED GUARDIAN INC

NASDAQ:UG (3/2/2026, 8:00:02 PM)

6.49

-0.23 (-3.42%)

Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupHousehold & Personal Products
GICS IndustryPersonal Care Products
Earnings (Last)11-05
Earnings (Next)03-13
Inst Owners22.78%
Inst Owner Change-4.26%
Ins Owners7.12%
Ins Owner Change0%
Market Cap29.79M
Revenue(TTM)10.06M
Net Income(TTM)1.96M
Analysts0
Price TargetN/A
Short Float %0.25%
Short Ratio0.64
Dividend
Industry RankSector Rank
Dividend Yield 7.58%
Yearly Dividend0.6
Dividend Growth(5Y)-11.42%
DP141.17%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-09
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 RankSector Rank
PE 15.09
Fwd PE N/A
P/S 2.96
P/FCF 19.17
P/OCF 15.63
P/B 2.81
P/tB 2.81
EV/EBITDA 6.44
EPS(TTM)0.43
EY6.63%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.34
FCFY5.22%
OCF(TTM)0.42
OCFY6.4%
SpS2.19
BVpS2.31
TBVpS2.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.72
Profitability
Industry RankSector Rank
ROA 16.09%
ROE 18.52%
ROCE 19.64%
ROIC 15.56%
ROICexc 72.31%
ROICexgc 72.31%
OM 20.65%
PM (TTM) 19.48%
GM 50.6%
FCFM 15.45%
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 Turnover0.83
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 338.83%
Cap/Sales 3.5%
Interest Coverage 250
Cash Conversion 87.34%
Profit Quality 79.29%
Current Ratio 7.04
Quick Ratio 6.16
Altman-Z 14.69
F-Score4
WACC8.61%
ROIC/WACC1.81
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)-43.76%
EPS 3Y-11.18%
EPS 5Y-7.41%
EPS Q2Q%-69%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.29%
Revenue growth 3Y-4.37%
Revenue growth 5Y-2.18%
Sales Q2Q%-26.01%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.47%
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-39.3%
FCF growth 3Y-16.39%
FCF growth 5Y-7.04%
OCF growth 1Y-28.09%
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.


What is the valuation status of UNITED GUARDIAN INC (UG) stock?

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.


How financially healthy is UNITED GUARDIAN INC?

The financial health rating of UNITED GUARDIAN INC (UG) is 10 / 10.