WallStSmart

Procter & Gamble Company (PG)vsUnited-Guardian Inc (UG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Procter & Gamble Company generates 847380% more annual revenue ($85.26B vs $10.06M). UG leads profitability with a 19.5% profit margin vs 19.3%. UG appears more attractively valued with a PEG of 1.13. PG earns a higher WallStSmart Score of 55/100 (C).

PG

Buy

55

out of 100

Grade: C

Growth: 3.3Profit: 9.0Value: 4.7Quality: 7.0
Piotroski: 4/9Altman Z: 3.01

UG

Hold

45

out of 100

Grade: D+

Growth: 2.0Profit: 7.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGSignificantly Overvalued (-211.9%)

Margin of Safety

-211.9%

Fair Value

$45.90

Current Price

$143.92

$98.02 premium

UndervaluedFair: $45.90Overvalued
UGSignificantly Overvalued (-125.7%)

Margin of Safety

-125.7%

Fair Value

$2.92

Current Price

$6.32

$3.40 premium

UndervaluedFair: $2.92Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PG5 strengths · Avg: 9.2/10
Market CapQuality
$337.14B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
31.6%10/10

Every $100 of equity generates 32 in profit

Altman Z-ScoreHealth
3.0110/10

Safe zone — low bankruptcy risk

Operating MarginProfitability
26.3%8/10

Strong operational efficiency at 26.3%

Free Cash FlowQuality
$3.81B8/10

Generating 3.8B in free cash flow

UG2 strengths · Avg: 8.0/10
P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

PG3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

PEG RatioValuation
3.932/10

Expensive relative to growth rate

EPS GrowthGrowth
-5.4%2/10

Earnings declined 5.4%

UG3 concerns · Avg: 2.3/10
Market CapQuality
$28.35M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-26.0%2/10

Revenue declined 26.0%

EPS GrowthGrowth
-69.0%2/10

Earnings declined 69.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : PG

The strongest argument for PG centers on Market Cap, Return on Equity, Altman Z-Score. Profitability is solid with margins at 19.3% and operating margin at 26.3%.

Bull Case : UG

The strongest argument for UG centers on P/E Ratio, Price/Book. Profitability is solid with margins at 19.5% and operating margin at 9.5%. PEG of 1.13 suggests the stock is reasonably priced for its growth.

Bear Case : PG

The primary concerns for PG are Revenue Growth, PEG Ratio, EPS Growth.

Bear Case : UG

The primary concerns for UG are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

PG profiles as a value stock while UG is a declining play — different risk/reward profiles.

UG carries more volatility with a beta of 0.98 — expect wider price swings.

PG is growing revenue faster at 1.5% — sustainability is the question.

PG generates stronger free cash flow (3.8B), providing more financial flexibility.

Bottom Line

PG scores higher overall (55/100 vs 45/100), backed by strong 19.3% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Procter & Gamble Company

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

The Procter & Gamble Company (P&G) is an American multinational consumer goods corporation headquartered in Cincinnati, Ohio, founded in 1837 by William Procter and James Gamble. It specializes in a wide range of personal health, consumer health, personal care, and hygiene products; these products are organized into several segments including Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine, & Family Care. Before the sale of Pringles to Kellogg's, its product portfolio also included food, snacks, and beverages.

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United-Guardian Inc

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and specialty industrial products in the United States and internationally. The company is headquartered in Hauppauge, New York.

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