UTG (UTGN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

UTG

OTC Markets OTCPK•Financial Services•Insurance - Life

$57.45+0.17(<0.01%)Market closed

Market Cap

$182.02M

P/E

5.1x

P/S

2.7x

P/B

0.7x

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes the servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. In addition, the company offers reinsurance products; and investment in its real estate portfolio includes ownership in oil and gas royalties. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.

How this company scores

WeakMetricSide Score: 33/100

Strongest: Balance Sheet & Red Flags (15/25); weakest: Cash & Earnings Quality (1/25).

Profitability14/25

Growth3/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality1/25

Strengths

Strong marginsInterest easily coveredNet cash positionNo share dilution

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 5.1x5y range 1.8x – 48.7x

Currently near its 20-quarter median.

P/S · 2.7x5y range 1.1x – 4.4x

Currently near its 20-quarter median.

P/B · 0.7x5y range 0.4x – 0.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

Free cash flow has been negative in 7 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $182.02M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $67.44M
Q. Revenue: $13.90M
TTM EBITDA: $47.29M
TTM Op. Income: $45.24M
Q. Op. Income: $8.01M
TTM Net Income: $35.83M
Q. Net Income: $6.32M
EPS: $2.01
Shares Out.: $3.14M

$67.44M in TTM revenue declined 16.2% YoY, reaching $13.90M last quarter. TTM EBITDA of $47.29M and TTM operating income of $45.24M show growth is flowing through to the bottom line. TTM net income of $35.83M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 60.4%
Op. Margin: 57.6%
Net Margin: 45.5%

Op. margin of 57.6% is up 121.7% YoY — cost efficiency is improving. Net margin at 45.5% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 5.1x
P/S Ratio: 2.7x
P/B Ratio: 0.7x

At 5.1x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 0.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $523.89M
Cash: $42.60M
Long-Term Debt: N/A
Book Value: $262.38M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-2.85M
TTM Free Cash Flow: $-13.10M
FCF Margin: -19.4%
FCF / Net Income: -0.4

TTM FCF of $-13.10M on $-2.85M in operating cash flow. The FCF / Net Income ratio of -0.4x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is down 156% — a weakening trend.