📊 UG Key Takeaways
Is United Guardian Inc. (UG) a Good Investment?
United Guardian demonstrates exceptional financial strength with fortress-like balance sheet fundamentals—zero debt, 8.05x current ratio, and outstanding profitability margins (28.5% net margin). However, the 13.4% YoY revenue decline is a critical concern that outweighs balance sheet quality, indicating potential market share loss or category headwinds that profitability cannot offset.
United Guardian Inc. Key Strengths (UG)
- Exceptional liquidity position with 8.05x current ratio and zero long-term debt
- Outstanding profitability margins: 28.5% net margin and 22.4% operating margin despite revenue pressure
- Strong free cash flow generation at 20.7% FCF margin with minimal capital requirements ($9.9K CapEx)
- Solid balance sheet with stockholders' equity ($10.9M) providing financial cushion
UG Stock Risks: United Guardian Inc. Investment Risks
- Significant revenue decline of 13.4% YoY signals deteriorating market demand or competitive position
- Micro-cap scale ($2.9M revenue) limits growth potential and operational flexibility
- No insider buying activity in last 90 days suggests management may lack confidence in turnaround
- Declining top-line with no visibility into stabilization trajectory threatens long-term sustainability
Key Metrics to Watch
- Revenue trend stabilization and sequential quarter-over-quarter performance
- Operating margin sustainability as revenue base contracts
- Free cash flow generation and cash balance trajectory
- Insider activity patterns indicating management confidence
United Guardian Inc. (UG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. Strong liquidity with a 8.05x 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. has mixed fundamental signals 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 |
|---|---|---|---|
| Q1 2026 | $2.5M | $560.9K | $0.12 |
| 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 |
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 grade of B with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UG's key strengths?
Claude: Exceptional liquidity position with 8.05x current ratio and zero long-term debt. Outstanding profitability margins: 28.5% net margin and 22.4% operating margin despite revenue pressure.
What are the risks of investing in UG?
Claude: Significant revenue decline of 13.4% YoY signals deteriorating market demand or competitive position. Micro-cap scale ($2.9M revenue) limits growth potential and operational flexibility.
What is UG's revenue and growth?
United Guardian Inc. reported revenue of $2.9M.
Does UG pay dividends?
United Guardian Inc. pays dividends, with $1.1M 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 grade reflects both perspectives for balanced insights.
What is UG's fundamental grade?
Based on our AI fundamental analysis in June 2026, United Guardian Inc. has a B grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UG stock overvalued or undervalued?
Valuation metrics for UG: ROE of 7.5% (sector avg: 18%), net margin of 28.5% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
What is UG's AI grade for 2026?
Our dual AI analysis gives United Guardian Inc. a combined B grade 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 $604.5K, with capital expenditures of $9.9K. FCF margin is 20.7%.
How does UG compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 28.5% (avg: 8%), ROE 7.5% (avg: 18%), current ratio 8.05 (avg: 1.5).