UPC
Universe Pharmaceuticals Inc.
Drug Manufacturers - Specialty & Generic
Market Cap$2M
5Y Perf.-100.0%
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Stock Comparison
UPC vs XTLB
Revenue, margins, valuation, and 5-year total return — side by side.
XTLB
XTL Biopharmaceuticals Ltd.
Biotechnology
Market Cap$358K
5Y Perf.-75.6%
UPC vs XTLB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UPC | XTLB |
|---|---|---|
| Industry | Drug Manufacturers - Specialty & Generic | Biotechnology |
| Market Cap | $2M | $358K |
| Revenue (TTM) | $41M | $451K |
| Net Income (TTM) | $-12M | $-1M |
| Gross Margin | 30.3% | 26.4% |
| Operating Margin | -26.7% | -481.6% |
| Total Debt | $9M | $138K |
| Cash & Equiv. | $34M | $371K |
UPC vs XTLB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UPC
XTLB
| Stock | Mar 21 | May 26 | Return |
|---|---|---|---|
| Universe Pharmaceut… (UPC) | 100 | 0.0 | -100.0% |
| XTL Biopharmaceutic… (XTLB) | 100 | 24.4 | -75.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UPC vs XTLB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: UPC leads in 4 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. XTL Biopharmaceuticals Ltd. is the stronger pick specifically for operational efficiency and capital deployment. As sector peers, any of these can serve as alternatives in the same allocation.
UPC
Universe Pharmaceuticals Inc.
The Income Pick
UPC carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 2 yrs, beta 1.26
- Lower volatility, beta 1.26, Low D/E 16.5%, current ratio 4.07x
- Beta 1.26, current ratio 4.07x
Best for: income & stability and sleep-well-at-night
XTLB
XTL Biopharmaceuticals Ltd.
The Growth Play
XTLB is the clearest fit if your priority is growth exposure and long-term compounding.
- EPS growth 45.5%
- -84.5% 10Y total return vs UPC's -100.0%
- -17.7% ROA vs UPC's -18.6%, ROIC -54.1% vs -7.8%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | UPC | -22.4% revenue growth vs XTLB's -173.2% |
| Quality / Margins | UPC | -30.3% margin vs XTLB's -227.7% |
| Stability / Safety | UPC | Beta 1.26 vs XTLB's 1.71 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | UPC | -36.9% vs XTLB's -43.6% |
| Efficiency (ROA) | XTLB | -17.7% ROA vs UPC's -18.6%, ROIC -54.1% vs -7.8% |
UPC vs XTLB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLUPCLAGGINGXTLB
XTLBXTL Biopharmaceutical…
2leads
UPCUniverse Pharmaceutic…
2leads
6 Total Categories
CATEGORYLEADERvs XTLBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
UPC4/5
Valuation MetricsMultiples, price ratios, and targets
UPC2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
XTLB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
XTLB5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
UPC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
UPC is the larger business by revenue, generating $41M annually — 90.7x XTLB's $451,000. Profitability is closely matched — net margins range from -30.3% (UPC) to -2.3% (XTLB).
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| RevenueTrailing 12 months | $41M | $451,000 |
| EBITDAEarnings before interest/tax | -$10M | -$1M |
| Net IncomeAfter-tax profit | -$12M | -$1M |
| Free Cash FlowCash after capex | -$15M | $0 |
| Gross MarginGross profit ÷ Revenue | +30.3% | +26.4% |
| Operating MarginEBIT ÷ Revenue | -26.7% | -4.8% |
| Net MarginNet income ÷ Revenue | -30.3% | -2.3% |
| FCF MarginFCF ÷ Revenue | -37.2% | -3.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | -14.1% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -100.1% | +20.0% |
UPC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
UPC leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| Market CapShares × price | $2M | $357,581 |
| Enterprise ValueMkt cap + debt − cash | -$23M | $124,581 |
| Trailing P/EPrice ÷ TTM EPS | -0.00x | -0.34x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 0.09x | 0.79x |
| Price / BookPrice ÷ Book value/share | 0.00x | 0.07x |
| Price / FCFMarket cap ÷ FCF | — | — |
UPC leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
XTLB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
XTLB delivers a -25.5% return on equity — every $100 of shareholder capital generates $-26 in annual profit, vs $-27 for UPC. XTLB carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to UPC's 0.16x. On the Piotroski fundamental quality scale (0–9), UPC scores 4/9 vs XTLB's 3/9, reflecting mixed financial health.
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| ROE (TTM)Return on equity | -27.0% | -25.5% |
| ROA (TTM)Return on assets | -18.6% | -17.7% |
| ROICReturn on invested capital | -7.8% | -54.1% |
| ROCEReturn on capital employed | -5.6% | -50.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 3 |
| Debt / EquityFinancial leverage | 0.16x | 0.03x |
| Net DebtTotal debt minus cash | -$24M | -$233,000 |
| Cash & Equiv.Liquid assets | $34M | $371,000 |
| Total DebtShort + long-term debt | $9M | $138,000 |
| Interest CoverageEBIT ÷ Interest expense | -22.11x | -13.31x |
XTLB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
XTLB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in XTLB five years ago would be worth $2,369 today (with dividends reinvested), compared to $2 for UPC. Over the past 12 months, UPC leads with a -36.9% total return vs XTLB's -43.6%. The 3-year compound annual growth rate (CAGR) favors XTLB at -12.9% vs UPC's -89.5% — a key indicator of consistent wealth creation.
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| YTD ReturnYear-to-date | -32.2% | +35.4% |
| 1-Year ReturnPast 12 months | -36.9% | -43.6% |
| 3-Year ReturnCumulative with dividends | -99.9% | -33.9% |
| 5-Year ReturnCumulative with dividends | -100.0% | -76.3% |
| 10-Year ReturnCumulative with dividends | -100.0% | -84.5% |
| CAGR (3Y)Annualised 3-year return | -89.5% | -12.9% |
XTLB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — UPC and XTLB each lead in 1 of 2 comparable metrics.
Risk & Volatility
UPC is the less volatile stock with a 1.26 beta — it tends to amplify market swings less than XTLB's 1.71 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. XTLB currently trades 31.6% from its 52-week high vs UPC's 25.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.26x | 1.71x |
| 52-Week HighHighest price in past year | $11.00 | $10.28 |
| 52-Week LowLowest price in past year | $2.00 | $1.05 |
| % of 52W HighCurrent price vs 52-week peak | +25.7% | +31.6% |
| RSI (14)Momentum oscillator 0–100 | 51.5 | 67.4 |
| Avg Volume (50D)Average daily shares traded | 8K | 2.4M |
Evenly matched — UPC and XTLB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | UPCUniverse Pharmace… | XTLBXTL Biopharmaceut… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 2 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
UPC leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). XTLB leads in 2 (Profitability & Efficiency, Total Returns). 1 tied.
Best OverallUniverse Pharmaceuticals In… (UPC)Leads 2 of 6 categories
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UPC vs XTLB: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — UPC or XTLB?
Over the past 5 years, XTL Biopharmaceuticals Ltd.
(XTLB) delivered a total return of -76. 3%, compared to -100. 0% for Universe Pharmaceuticals Inc. (UPC). Over 10 years, the gap is even starker: XTLB returned -84. 5% versus UPC's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
02Which is safer — UPC or XTLB?
By beta (market sensitivity over 5 years), Universe Pharmaceuticals Inc.
(UPC) is the lower-risk stock at 1. 26β versus XTL Biopharmaceuticals Ltd. 's 1. 71β — meaning XTLB is approximately 35% more volatile than UPC relative to the S&P 500. On balance sheet safety, XTL Biopharmaceuticals Ltd. (XTLB) carries a lower debt/equity ratio of 3% versus 16% for Universe Pharmaceuticals Inc. — giving it more financial flexibility in a downturn.
03Which has better profit margins — UPC or XTLB?
Universe Pharmaceuticals Inc.
(UPC) is the more profitable company, earning -20. 6% net margin versus -227. 7% for XTL Biopharmaceuticals Ltd. — meaning it keeps -20. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UPC leads at -16. 3% versus -481. 6% for XTLB. At the gross margin level — before operating expenses — UPC leads at 35. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
04Which pays a better dividend — UPC or XTLB?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
05Is UPC or XTLB better for a retirement portfolio?
For long-horizon retirement investors, Universe Pharmaceuticals Inc.
(UPC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 26)). XTL Biopharmaceuticals Ltd. (XTLB) carries a higher beta of 1. 71 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (UPC: -100. 0%, XTLB: -84. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
06What are the main differences between UPC and XTLB?
Both stocks operate in the Healthcare sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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