📊 UG Key Takeaways
Is United Guardian Inc. (UG) a Good Investment?
United Guardian maintains a fortress balance sheet with zero debt, exceptional liquidity (7.31x current ratio), and strong profitability (20% net margin, 18.7% ROE), but faces a critical challenge: 13.4% YoY revenue decline that threatens long-term viability. The company's asset-light model and robust cash generation ($1.9M FCF on $10.5M revenue) provide downside protection, but revenue stabilization is essential before a positive thesis can form.
Why Buy United Guardian Inc. Stock? UG Key Strengths
- Zero debt with fortress balance sheet (Debt/Equity = 0.0x) and excellent equity base
- Exceptional profitability metrics: 21.3% operating margin, 20% net margin, 18.7% ROE
- Superior liquidity position: 7.31x current ratio and 6.41x quick ratio far exceed safety thresholds
- Strong cash generation with 18.1% free cash flow margin and minimal capex requirements
- Asset-light business model with high returns on capital (16.1% ROA)
UG Stock Risks: United Guardian Inc. Investment Risks
- Significant revenue decline of 13.4% YoY indicating loss of market share or demand challenges
- Micro-cap scale ($10.5M revenue) limits competitive advantages and growth runway in large cosmetics industry
- Gross margin data unavailable obscures true operational performance and pricing power
- Small company with limited resources to weather prolonged market headwinds or invest in innovation
- Declining revenue trend conflicts with current profitability, suggesting unsustainable margin levels ahead
Key Metrics to Watch
- Revenue trend reversal or stabilization - must return to growth to justify hold rating
- Gross profit margin - critical metric currently unavailable, essential for assessing true profitability
- Free cash flow sustainability - ensure margins don't compress as revenue declines
- Customer concentration and retention rates - understand causes of revenue loss
- Operating expense ratio trends - assess if margins can hold under revenue pressure
United Guardian Inc. (UG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 7.31x current ratio provides a solid financial cushion.
UG Profit Margin, ROE & Profitability Analysis
UG vs Consumer Sector: How United Guardian Inc. Compares
How United Guardian Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is United Guardian Inc. Stock Overvalued? UG Valuation Analysis 2026
Based on fundamental analysis, United Guardian Inc. appears fundamentally strong relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
United Guardian Inc. Balance Sheet: UG Debt, Cash & Liquidity
UG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: United Guardian Inc.'s revenue has declined by 13% over the 5-year period, indicating business contraction. The most recent EPS of $0.71 reflects profitable operations.
UG Revenue Growth, EPS Growth & YoY Performance
UG Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.3M | $268.4K | $0.06 |
| Q2 2025 | $2.8M | $560.9K | $0.14 |
| Q1 2025 | $2.5M | $560.9K | $0.12 |
| Q3 2024 | $3.1M | $461.1K | $0.14 |
| Q2 2024 | $2.7M | $461.1K | $0.10 |
| Q1 2024 | $2.6M | $756.1K | $0.16 |
| Q3 2023 | $2.4M | $345.5K | $0.07 |
| Q2 2023 | $2.7M | $461.1K | $0.10 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
United Guardian Inc. Dividends, Buybacks & Capital Allocation
UG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for United Guardian Inc. (CIK: 0000101295)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UG
What is the AI rating for UG?
United Guardian Inc. (UG) has an AI rating of HOLD with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UG's key strengths?
Claude: Zero debt with fortress balance sheet (Debt/Equity = 0.0x) and excellent equity base. Exceptional profitability metrics: 21.3% operating margin, 20% net margin, 18.7% ROE.
What are the risks of investing in UG?
Claude: Significant revenue decline of 13.4% YoY indicating loss of market share or demand challenges. Micro-cap scale ($10.5M revenue) limits competitive advantages and growth runway in large cosmetics industry.
What is UG's revenue and growth?
United Guardian Inc. reported revenue of $10.5M.
Does UG pay dividends?
United Guardian Inc. pays dividends, with $2.8M distributed to shareholders in the trailing twelve months.
Where can I find UG SEC filings?
Official SEC filings for United Guardian Inc. (CIK: 0000101295) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UG's EPS?
United Guardian Inc. has a diluted EPS of $0.20.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UG a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, United Guardian Inc. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UG stock overvalued or undervalued?
Valuation metrics for UG: ROE of 18.7% (sector avg: 18%), net margin of 20.0% (sector avg: 8%). Higher ROE suggests strong returns relative to peers.
Should I buy UG stock in 2026?
Our dual AI analysis gives United Guardian Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UG's free cash flow?
United Guardian Inc.'s operating cash flow is $2.0M, with capital expenditures of $59.0K. FCF margin is 18.1%.
How does UG compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 20.0% (avg: 8%), ROE 18.7% (avg: 18%), current ratio 7.31 (avg: 1.5).