United-Guardian Inc (UG) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of United-Guardian Inc stock $7.53, price $6.71, upside +12.2%, quality 66 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
United-Guardian, Inc. develops, manufactures, sells, and markets specialty cosmetic ingredients, pharmaceutical products, medical lubricants, and sexual wellness ingredients in the United States and internationally.
Show moreShow less
The company offers cosmetic ingredients, including LUBRAJEL, a line of multifunctional hydrogel formulations for personal care and medical products; B-122, a powdered lubricant used in the manufacture of certain cosmetics, such as pressed powders, eyeliners, and rouges, as well as some industrial products; ORCHID COMPLEX, an oil-based extract of orchids; and LUBRASIL II SB, a special formulation of Lubrajel in which silicone oil incorporates into a Lubrajel base.
It also provides medical lubricant products for catheter lubrication, medical devices, condom lubrication, and oral care under the Lubrajel brand, including Lubrajel MG, Lubrajel MGL, Lubrajel RRCG, Lubrajel RR, Lubrajel RC, Lubrajel RA, Lubrajel Fluid, Lubrajel LC, Lubrajel BA, and Lubrajel FACO. In addition, the company offers pharmaceutical products comprising RENACIDIN, a prescription to prevent and to dissolve calcifications in urethral catheters; and CLORPACTIN WCS-90, a chlorine-based drug, which is a topical antimicrobial and is also used in urology.
Further, it provides sexual wellness ingredient products, which are hydrogel formulations designed to offer sensory enhancement, lubrication, and moisturization, such as Natrajel NT, Natrajel MA, Natrajel ON, and Natrajel TE product lines.
United-Guardian, Inc. was founded in 1942 and is based in Hauppauge, New York.
Stock analysis
United-Guardian Inc (UG) currently trades at $6.71, while our model-based Fair Value estimate is $7.53, implying the stock looks roughly 11% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $7.75 per share, and 13 of the 24 models we run sit above the $6.71 price.
Bear case: the Asset-Based group reads lowest at $2.25, and 11 of the 24 models stay below the price. Data coverage for this calculation is high.
Scenario range: $5.88 (bear) to $10.03 (bull), the price of $6.71 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
United-Guardian Inc reported revenue of $10.5M in FY2025 versus $13.9M in FY2021, a compound −6.7%/yr. Reported net income was $2.1M in FY2025, compounding −18.0%/yr from FY2021.
Key figures
Market cap $30.8M Micro · P/E ratio 12.4 · P/S ratio 2.75 · EPS (TTM) $0.5400 · Dividend yield 6.0% · Net margin 22.0% · Return on equity 21.4% · Return on assets (EBIT) 30.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 79 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at −26% fair-value upside, at 12%, UG screens cheaper than that median.
Fair Value models
Bear$5.88Fair Value $7.53Bull$10.03
Price $6.71 · Upside +12.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1201 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−13.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.8%
Start year 2020 (pandemic). Over 10 years: −2.8% a year
Revenue growth 40 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.2%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−8.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.7%
Dividend (yield on the price)6.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−14.7% vs −6.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 21%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 2.5%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−0.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −2.5% a year for the price.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Household & Personal Products · 230 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Above median
Fair Value upside+12.2% · Above median
Profitability
Return on equity (12 months)21.4% · Top 25%
Return on assets16.1% · Top 25%
Net margin (12 months)22.0% · Top 25%
Operating margin (12 months)24.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)9.5% · Above median
Dividend yield (12 months)6.0% · Top 25%
Valuation Multiplesvs Household & Personal Products median · lower = cheaper
P/E (12 months)12.4× · Cheaper than median
P/B2.74× · Priciest 25%
P/S (12 months)2.75× · Priciest 25%
Price / free cash flow (fiscal year)16.2× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "United-Guardian Inc Fair Value". https://www.fairvalue-calculator.com/stock/UG
Frequently asked questions
Is United-Guardian Inc (UG) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $7.53 versus a price of $6.71, about +12% upside (undervalued).
What is the fair value of UG?
Our model-based fair value for United-Guardian Inc is $7.53 (as of Nov 8, 2026), built from audited fundamentals. The current price: $6.71.
What is the quality score of UG?
United-Guardian Inc has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for United-Guardian Inc (UG)?
Our model-based price target is the fair value of $7.53 (as of Nov 8, 2026) from 24 valuation models. Cautious scenario $5.88, optimistic scenario $10.03. It is a calculation from audited fundamentals, not an analyst target.
What is the United-Guardian Inc stock forecast for 2026?
Our models put fair value at $7.53, about +12% upside versus a price of $6.71 (undervalued). Cautious scenario $5.88, optimistic scenario $10.03. The calculation is refreshed regularly with new filings.
What is the revenue of United-Guardian Inc (UG)?
United-Guardian Inc reported trailing-twelve-month revenue of about $11.2M (latest available figure, as of Nov 8, 2026).
Does United-Guardian Inc pay a dividend?
United-Guardian Inc currently shows a dividend yield of 5.96% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of United-Guardian Inc (UG) and when is the ex-dividend date?
United-Guardian Inc pays a dividend of $0.4 per share a year, a dividend yield of 6.0%. The last ex-dividend date was Jul 28, 2026. A dividend has been paid every year since 1996. The payout ratio is 74.1% of earnings. Free cash flow covers the dividend 1.04 times. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What growth is priced into United-Guardian Inc (UG)?
For today's price to be fair in a discounted-cash-flow model, United-Guardian Inc would have to grow free cash flow by -0.2 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.8 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of UG use?
Our models discount United-Guardian Inc at 9.8 %: a base by market capitalisation (nano), damped by beta 1.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For United-Guardian Inc that is -0.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has United-Guardian Inc (UG) delivered so far?
Over the past 5 years revenue at United-Guardian Inc grew -0.8 % a year. The price currently implies free-cash-flow growth of -0.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of United-Guardian Inc (UG) growing?
The median revenue growth in the sector is +3.6 % a year. That is the yardstick for the growth priced into United-Guardian Inc (-0.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of United-Guardian Inc (UG)?
The free-cash-flow yield on the price is 6.19 %: that much free cash flow United-Guardian Inc produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of United-Guardian Inc (UG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United-Guardian Inc it is $7.53 per share (as of Nov 8, 2026), against a price of $6.71. It is the blended result of 24 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is United-Guardian Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, UG trades below its calculated fair value: price $6.71, fair value $7.53, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UG?
No. The price is what the market pays today ($6.71); the fair value is what the company's own numbers justify ($7.53). For United-Guardian Inc the two are $0.8200 per share apart. That gap is exactly why we show both numbers side by side.
How much is United-Guardian Inc worth?
The market values United-Guardian Inc at about $30.8M (market capitalisation, as of Nov 8, 2026). Per share that is $6.71; our models calculate a fair value of $7.53 per share.
What do the bullish and bearish scenarios say about UG?
Our models span a range for United-Guardian Inc: cautious scenario $5.88, base $7.53, optimistic $10.03 per share (as of Nov 8, 2026, price $6.71). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UG?
United-Guardian Inc trades at a price-to-earnings ratio of 12.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.53 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 18.8. Other multiples: PEG 1.1, P/B 2.7, P/S 2.8, EV/EBITDA 12.1.
What is the PEG ratio of UG?
The PEG ratio of United-Guardian Inc is 1.12 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of United-Guardian Inc (UG)?
Balance-sheet figures for United-Guardian Inc (as of Nov 8, 2026): return on equity 21.4%. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is UG from its 52-week high?
United-Guardian Inc trades at $6.71, about 15% below its 52-week high of $7.90 and 28% above the low of $5.23 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $7.53 is for.
Which stocks are comparable to United-Guardian Inc?
From the same area (Consumer Defensive) we also value Colgate-Palmolive Company, Hindustan Unilever Limited, The Estée Lauder Companies Inc, Henkel AG, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is United-Guardian Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $6.71, calculated fair value $7.53 (+12%), Quality Score 66/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UG calculated?
We run United-Guardian Inc through 24 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $7.53 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. United-Guardian Inc currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of United-Guardian Inc (UG)?
The closing price on Nov 6, 2026 was $6.71. Our model-based fair value is $7.53, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with United-Guardian Inc right now?
The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of United-Guardian Inc (UG) come from?
Earnings per share at United-Guardian Inc grew −3.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.4 %, EBIT margin −4.6 %, tax rate +1.4 %, residual (interest, one-offs) +0.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of United-Guardian Inc
How large is the market capitalisation of United-Guardian Inc (UG)?
The market capitalisation of United-Guardian Inc is $30.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of United-Guardian Inc (UG)?
The price-to-sales ratio of United-Guardian Inc is 2.75 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of United-Guardian Inc (UG)?
Earnings per share at United-Guardian Inc are $0.5400 (price ÷ EPS = P/E 12.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of United-Guardian Inc (UG)?
The dividend yield of United-Guardian Inc is 6.0% (payout 74.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of United-Guardian Inc (UG)?
The net margin of United-Guardian Inc is 22.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of United-Guardian Inc (UG)?
The return on equity (ROE) of United-Guardian Inc is 21.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of United-Guardian Inc (UG)?
On an EBIT basis the return on assets of United-Guardian Inc is 30.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of United-Guardian Inc (UG)?
The operating margin of United-Guardian Inc is 24.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United-Guardian Inc (UG)?
Revenue at United-Guardian Inc is growing +9.5% versus a year earlier (3y avg −6.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at United-Guardian Inc (UG)?
Earnings per share at United-Guardian Inc are growing +16.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does United-Guardian Inc (UG) hold?
United-Guardian Inc holds more cash than debt, $1.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch United-Guardian Inc in the live analysis
One click puts United-Guardian Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Broad data
Nov 8, 2026