StockData

UTG Inc (UTGN) stock analysis

UTGNOTCLife InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 3/30
$58.00+0.00 (0.00%)

Close on Oct 19, 2026Market cap $182.87MP/E 5.6Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth0Performance3Health0Dividend0

Weak3 of 30 checks passed

UTG passes 3 of the 30 checks behind our score; 22 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
3/6
Financial health
0/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 52.2% a year on average over the last five fiscal years.

  • Return on assets over 1%

    Return on assets was 7.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    UTG's return on equity of 14.8% is above the Life Insurance median of 12.6%.

What to watch

  • Return on equity under 15%

    Return on equity was 14.8% over the last twelve months and averaged 13.1% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -15.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -20.6% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -23.4% over the last twelve months, against a 5-year average of 52.2% a year.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -15.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -20.6% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -23.4% over the last twelve months, against a 5-year average of 52.2% a year.

  • Growth against the industry

    Needs revenue for this year and last.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 14.8% over the last twelve months and averaged 13.1% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 7.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    UTG's return on equity of 14.8% is above the Life Insurance median of 12.6%.

  • Earnings grew over 5 years

    Net income grew 52.2% a year on average over the last five fiscal years.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    UTG has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for UTG. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 5.2
  • Life Insurance median 10.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

40.3%+32.7 pts over 5 years

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