WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Procter & Gamble Company generates 776514% more annual revenue ($87.03B vs $11.21M). UG leads profitability with a 22.0% profit margin vs 18.4%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 65/100 (B-).

PG

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 8.5Value: 3.3Quality: 6.0
Piotroski: 4/9Altman Z: 3.08

UG

Strong Buy

65

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 8.0Quality: 7.3
Piotroski: 3/9Altman Z: 7.18
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGSignificantly Overvalued (-58.2%)

Margin of Safety

-58.2%

Fair Value

$101.07

Current Price

$159.23

$58.16 premium

UndervaluedFair: $101.07Overvalued
UGUndervalued (+36.5%)

Margin of Safety

+36.5%

Fair Value

$10.37

Current Price

$6.74

$3.63 discount

UndervaluedFair: $10.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PG5 strengths · Avg: 9.0/10
Market CapQuality
$370.12B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.0810/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
29.5%9/10

Every $100 of equity generates 30 in profit

Operating MarginProfitability
22.1%8/10

Strong operational efficiency at 22.1%

Free Cash FlowQuality
$4.40B8/10

Generating 4.4B in free cash flow

UG5 strengths · Avg: 8.6/10
Altman Z-ScoreHealth
7.1810/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

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

1.5% revenue growth

PEG RatioValuation
3.792/10

Expensive relative to growth rate

EPS GrowthGrowth
-15.5%2/10

Earnings declined 15.5%

UG2 concerns · Avg: 3.0/10
Market CapQuality
$30.62M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : PG

The strongest argument for PG centers on Market Cap, Altman Z-Score, Return on Equity. Profitability is solid with margins at 18.4% and operating margin at 22.1%.

Bull Case : UG

The strongest argument for UG centers on Altman Z-Score, Profit Margin, P/E Ratio. Profitability is solid with margins at 22.0% and operating margin at 24.3%. 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, Piotroski F-Score.

Key Dynamics to Monitor

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

UG carries more volatility with a beta of 0.95 — expect wider price swings.

UG is growing revenue faster at 9.5% — sustainability is the question.

PG generates stronger free cash flow (4.4B), providing more financial flexibility.

Bottom Line

UG scores higher overall (65/100 vs 53/100), backed by strong 22.0% margins. Both earn "Strong Buy" and "Buy" 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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