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United-Guardian, Inc (UG) Fair Value & Analysis

Consumer Defensive · US · Market cap $33.0M

UG United-Guardian, Inc logo United-Guardian, Inc UG · US
Price$7.29
Fair Value$5.92
Upside-18.8%
Quality63/100
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Weak Growth
Highly profitable · 21.6% net margin
Low debt · generates free cash flow
6.94% dividend yield
Ranks above peers (10/15)
Wide moat 74/100
Evidence: High Range $4.37 – $9.47 Share as image

Fair value as of: Jul 21, 2026

From 22 valuation models · updated 20 days ago

Share price +1.5% over the past month.

A solid business, but screening 19% overvalued on our models.

What matters now

  • Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
  • A fairly wide model range ($4.37 to $9.47) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

$20.79 $4.98 Fair Value $5.92 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 21, 2026.

How to read this chart

60‑month range $4.98 – $20.79 · fair‑value band $4.37 – $9.47 · the $7.29 price screens above the $5.92 fair value. Dashed = 300-day average. As of Jul 21, 2026.

Full chart & analysis →

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Analysis

United-Guardian, Inc (UG) currently trades at $7.29, while our model-based Fair Value estimate is $5.92, implying the stock looks roughly 18.8% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Consumer Defensive sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, United-Guardian, Inc generated revenue of $10.9M at a net margin of 21.6%. Revenue grew 15.8% year over year. It earns a return on equity of 21.8%. The balance sheet holds a net cash position of $1.3M. Fundamentals as of Jul 21, 2026

Our scenario range runs from $4.37 (bear case) to $9.47 (bull case); at $7.29, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 21% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at -26% fair-value upside, at -19%, UG screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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. Evidence
Highest evidence
Growth DCF $3.44 $4.12 $5.17 80
Residual Income $2.41 $3.12 $7.55 76
Rev-Margin DCF $2.91 $3.90 $5.16 74
All 22 models by family
DCF Models
FCF DCF $3.38 $4.10 $5.30 38
Owner Earnings $3.78 $4.59 $5.96 31
5Y Revenue Exit $2.91 $3.83 $5.16 39
5Y EBITDA Exit $4.02 $5.72 $7.96 41
5Y P/E Exit $5.05 $7.47 $10.34 38
10Y Revenue Exit $3.06 $3.81 $4.64 36
10Y EBITDA Exit $3.69 $4.88 $6.21 37
10Y P/E Exit $4.24 $5.87 $7.54 35
Earnings-Based
Graham-Dodd $3.12 $5.33 $6.51 54
EPV $2.92 $3.24 $3.50 59
Multiples
P/E Multiple $7.22 $9.63 $12.03 63
P/S Multiple $2.75 $3.67 $4.59 58
P/B Multiple $5.84 $7.79 $9.74 55
EV/EBIT $6.50 $8.57 $10.65 53
EV/EBITDA $5.26 $6.93 $8.59 54
EV/Revenue $2.68 $3.72 $4.75 43
Asset-Based
NCAV (Graham) $1.22 $1.64 $2.44 50
Growth DCF
Growth DCF $3.44 $4.12 $5.17 80
Rev-Margin DCF $2.91 $3.90 $5.16 74
Economic Profit
Residual Income $2.41 $3.12 $7.55 76
ROIC Compounder $2.95 $3.31 $3.66 72
Growth Earnings
Growth-Adj P/E $5.10 $7.28 $9.47 68

Widest divergence: Growth Earnings ($7.28) versus Asset-Based ($1.64). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $10.9M
Revenue growth (YoY) +15.8%
Net margin 21.6%
Return on equity 21.8%
Free cash flow $1.9M FY2025
P/E ratio 13.8
More key figures
Operating margin 22.4%
EPS (TTM) $0.5200
Dividend yield 6.9%
EPS growth (YoY) +46.0%
Net cash $1.3M FY2025

Figures from reported company fundamentals · as of Jul 21, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 63 · Market factors (momentum, volatility) 46

Profitability 74
Margins and returns on capital today
Quality Growth 2
Are margins and returns improving?
Cashflow 68
Earnings quality: real cash, not paper profit
Fin. Strength 69
Balance sheet, leverage, solvency risk
Investment 77
Disciplined investing over empire-building
Low Volatility 60
Calm price path (market factor)
Momentum 41
Price trend over the last 3–12 months (market factor)
52W Momentum 39
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

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.

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
$10.5M
Latest YoY
−13.4%
Avg. growth/yr (3Y) 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.
−6.0%
Avg. growth/yr (5Y) 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.
−0.8%
Avg. growth/yr (40Y) 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.
+2.2%
Revenue −6.7%/yr
FY21 $13.9M
FY22 $12.7M
FY23 $10.9M
FY24 $12.2M
FY25 $10.5M
Net income −18.0%/yr
FY21 $4.7M
FY22 $2.6M
FY23 $2.6M
FY24 $3.3M
FY25 $2.1M
Character of growth · EPS growth decomposed (2014-2025) −3.8 % p.a.
Revenue per share −1.4 pp

of which total revenue −1.4 pp · buybacks/dilution +0.0 pp

EBIT margin −4.6 pp
Tax rate +1.4 pp
Residual (interest, one-offs) +0.8 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

UG screens 19% overvalued. Compare with The Procter & Gamble Company →

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Cite: Fair Value Calculator (2026). "United-Guardian, Inc Fair Value". https://www.fairvalue-calculator.com/stock/UG

Peer Group

Household & Personal Products · 244 stocks

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.

Quality Score 63 · Above median
Fair Value upside −19% · Below median
Return on equity (TTM) 22% · Top 25%
Return on assets 11% · Top 25%
Net margin (TTM) 22% · Top 25%
Operating margin (TTM) 22% · Top 25%
Revenue growth 16% · Top 25%
Dividend yield (TTM) 6.9% · Top 25%

Valuation Multiples vs Household & Personal Products median · lower = cheaper

P/E (TTM) 13.8× · Cheaper than median
P/B 2.94× · Pricier than median
P/S (TTM) 3.02× · Pricier than 75% of peers
P/FCF 17.3× · Pricier than 75% of peers
EV/EBITDA 13.3× · Pricier than median
PEG 1.12× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 8 · sector 28
FUTURE 79 · sector 4
PAST 87 · sector 26
HEALTH 100 · sector 98
DIVIDEND 100 · sector 50

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Household & Personal Products stocks, each showing price versus our Fair Value estimate (as of Jul 21, 2026).

Stock Price Fair Value vs Fair Value
The Procter & Gamble Company PG $146.80 $108.16 -26%
Unilever PLC ULN 1,080 MXN 1,273 MXN +18%
Hindustan Unilever Limited HINDUNILVR ₹2,144 ₹1,000 -53%
Essity AB ESSITYA kr 279.00 kr 250.02 -10%
Godrej Consumer Products Limited GODREJCP ₹1,088 ₹367.64 -66%
Marico Limited MARICO ₹846.75 ₹233.05 -72%
APR Co 278470 375,000 KRW 151,222 KRW -60%
Dabur India Limited DABUR ₹429.45 ₹181.60 -58%
Kimberly-Clark de México, S. A. B. de C. V., KIMBERA 38.07 MXN 50.09 MXN +32%
PT Unilever Indonesia Tbk UNVR 1,730 IDR 1,934 IDR +12%

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Frequently asked questions

Is United-Guardian, Inc (UG) overvalued or undervalued?
As of Jul 21, 2026, our model estimates a fair value of $5.92 versus a price of $7.29, about −19% (overvalued).
What is the fair value of UG?
Our model-based fair value for United-Guardian, Inc is $5.92 (as of Jul 21, 2026), built from audited fundamentals. The current price is $7.29.
What is the quality score of UG?
United-Guardian, Inc has a Quality Score of 63/100. 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 revenue of United-Guardian, Inc (UG)?
United-Guardian, Inc reported trailing-twelve-month revenue of about $10.9M (latest available figure, as of Jul 21, 2026).
What is the net profit margin of UG?
The net profit margin of United-Guardian, Inc is about 21.6%, meaning it keeps roughly 21.6% of revenue as net income. Based on the latest reported figures.
Does United-Guardian, Inc pay a dividend?
United-Guardian, Inc currently shows a dividend yield of about 6.94% relative to its recent price (as of Jul 21, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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