Stocktoria
UTG INC UTGN
UTG INC (UTGN) earns a Piotroski F-score of 2/9 (weak financial health). It does not currently pay a dividend. FY2025 revenue was $42.3M at a 40.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UTGN | UTG INC | 2/9 | — | 10.1 | -50.1% |
| AAME | ATLANTIC AMERICAN CORP | 3/9 | — | — | +0.8% |
| CIA | CITIZENS, INC. | 4/9 | — | 22.1 | +4.3% |
| PRI | Primerica, Inc. | 3/9 | — | — | +6.6% |
| FG | F&G Annuities & Life, Inc. | 4/9 | — | 13.5 | -0.2% |
| GL | GLOBE LIFE INC. | 6/9 | — | 12 | +3.7% |
| JXN | Jackson Financial Inc. | 6/9 | — | 275.7 | +104.3% |
All Finance, Insurance & Real Estate companies →
About UTG INC
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.
FAQ
Is UTGN financially healthy?
UTG INC's Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does UTGN pay a dividend?
No, UTG INC does not currently pay a dividend.
How profitable is UTGN?
In FY2025, UTG INC had a net margin of 40.3% and a return on equity of 7.3%.
Is UTGN overvalued or undervalued?
UTG INC trades at about 10.7× trailing earnings — near its 10-year norm (10-year range 1.9×–52.0×, median 10.1×). Stocktoria reports the data, not buy/sell advice.
Is UTGN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UTG INC: a Piotroski F-score of 2/9, a P/E of about 10.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.