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Upturn AI Summary - About
United-Guardian Inc(UG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for UG
10/08/2026: UG (2-star) is currently NOT-A-BUY. Pass it for now.
United-Guardian, Inc. is a niche manufacturer of specialized chemical ingredients for the personal care and medical sectors. The company is known for its proprietary formulations like LubeGel and a stable financial profile that supports consistent dividend payments to shareholders. Its primary growth opportunity lies in leveraging its reputation to expand into high-demand 'clean beauty' ingredients and global distribution. However, the company faces material risks, including high customer concentration, significant competition from large global chemical conglomerates, and ongoing regulatory compliance requirements. The stock may best suit value and dividend-focused investors, who should monitor the company's R&D output and its ability to secure new distribution partnerships.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature, niche operator rather than a high-growth disruptor. |
| Momentum investor | Weak fit | The stock typically exhibits low liquidity and lacks the high-volatility price trends favored by momentum strategies. |
| Value investor | Strong fit | The company's focus on conservative finances and steady cash flow often appeals to valuation-conscious investors. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While stable, the small-cap nature and concentration risk mean the stock is not entirely without volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap stocks with lower liquidity can experience price swings regardless of underlying fundamentals. |
| Valuation risk | Low | The company's stable earnings profile generally keeps valuation within reasonable bounds. |
| Competition risk (specialty chemicals) | Medium / high | Large global players can aggressively price competing ingredients or innovate faster. |
| Business quality | Medium | The company has a solid niche but lacks the competitive moat of larger diversified firms. |
| Dividend income | Medium | Dividends are dependent on consistent profitability, which can fluctuate in the chemical industry. |
| Execution risk | Medium | Success depends on the company's ability to navigate regulatory hurdles and maintain key customer contracts. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 24.98% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 32.65M USD | Price to earnings Ratio 13.16 | 1Y Target Price - |
Price to earnings Ratio 13.16 | 1Y Target Price - | ||
Volume (30-day avg) 9.2K shares | Beta 0.95 | 52 Weeks Range 5.19 - 8.14 | Updated Date 10/08/2026 |
52 Weeks Range 5.19 - 8.14 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 5.62% | Basic EPS (TTM) 0.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Cosmetic Ingredients | Sale of specialty esters, lubricants, and film-formers to personal care manufacturers. | The core of their revenue comes from supplying proprietary chemicals that help skincare products look and feel better. |
| Healthcare & Medical | Medical-grade lubricants and wound care products. | Provides specialized, high-margin products for clinical and medical use, which serves as a secondary revenue pillar. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 13.16 | Forward PE 26.53 | Enterprise Value 23.72M | Price to Sales(TTM) 2.91 |
Enterprise Value 23.72M | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 2.12 | Enterprise Value to EBITDA 9.68 | Shares Outstanding 4.59M | Shares Floating 2.96M |
Shares Outstanding 4.59M | Shares Floating 2.96M | ||
Percent Insiders 35.85 | Percent Institutions 20.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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