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UTG INC

Data quality: 100%
UTGN
OTC Financial Services Insurance Carriers
$62.00
$0.00 (0.00%)
Mkt Cap: 194.74 M
Price
$62.00
Mkt Cap
194.74 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Revenue grew 4.42% annually over 5 years — modest growth
Earnings declined -65.36% over the past year
Net margin of 40.33% shows strong profitability
Negative free cash flow of -6.52 M
P/E of 11.40 — trading at a low valuation
PEG of 0.75 suggests growth is underpriced

Growth

Revenue Growth (5Y)
4.42%
Below sector avg (5.76%)
Revenue (1Y)-50.13%
Earnings (1Y)-65.36%
FCF Growth (3Y)N/A

Quality

Return on Equity
7.52%
Below sector avg (9.22%)
ROICN/A
Net Margin40.33%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
11.40
Above sector avg (11.12)
P/B Ratio0.84
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)
Metric Stock Sector Median
P/E 11.4 11.1
P/B 0.8 1.2
ROE % 7.5 9.2
Net Margin % 40.3 9.4
Rev Growth 5Y % 4.4 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2026 $6.26
N/A – N/A
 44.22 M —

All Fundamental Metrics
Growth
Revenue Growth (1Y) -50.13% Revenue Growth (3Y) 29.07%
Earnings Growth (1Y) -65.36% Earnings Growth (3Y) 195.45%
Revenue Growth (5Y) 4.42% Earnings Growth (5Y) 15.30%
Profitability
Revenue (TTM) 42.35 M Net Income (TTM) 17.08 M
ROE 7.52% ROA 3.46%
Gross Margin N/A Operating Margin N/A
Net Margin 40.33% Free Cash Flow (TTM) -6.52 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.09
Working Capital N/A Tangible Book Value 232.36 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11.40 Forward P/E N/A
P/B Ratio 0.84 P/S Ratio 4.60
PEG Ratio 0.75 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -3.35%
Market Cap 194.74 M Enterprise Value 145.29 M
Per Share
EPS (Diluted TTM) 5.42 Revenue / Share 13.48
FCF / Share -2.08 OCF / Share -2.08
EPS CAGR (1Y) -65.19% EPS CAGR (5Y) 15.46%
EPS CAGR (10Y) 36.48%
Efficiency
CapEx / Revenue N/A FCF Conversion -38.17%
SBC-Adj. FCF -6.61 M Growth Momentum -54.55

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 42.35 M 84.91 M 25.42 M 69.71 M 35.61 M
Net Income 17.08 M 49.30 M 1.96 M 34.26 M 9.66 M
EPS (Diluted) 5.42 15.57 0.62 10.81 3.05
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 0.0 11,600.0 28,389.0 108,722.0 4,051.0
Income Tax 4.70 M 12.82 M -144,247.0 9.57 M 2.07 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 491.37 M 476.95 M 441.71 M 447.53 M 438.46 M
Total Liabilities 258.68 M 266.35 M 280.02 M 289.51 M 297.21 M
Shareholders' Equity 232.24 M 210.13 M 161.23 M 157.57 M 140.77 M
Total Debt — — — — —
Cash & Equivalents 30.54 M 45.26 M 41.19 M 45.29 M 30.79 M
Current Assets — — — — —
Current Liabilities — — — — —