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UTG INC UTGN

OTC · stock · Life Insurance · website · IPO 2002-01-25

UTG INC statistics & valuation

Market cap$172.7M
P / E10.1×
P / S4.1×
P / B0.7×
Net margin40.3%
Return on equity7.3%
Graham number +63.6%$94.85

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($94.85); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
4.20% 16.70% 30.00% 36.80% 7.70% 27.10% 49.10% 10.10% 58.90% 40.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
1.20% 4.40% 11.60% 12.40% 1.50% 6.80% 21.70% 1.60% 23.10% 7.30% 2016201720182019202020212022202320242025
Shares outstanding
3.5M 3.3M 3.3M 3.3M 3.2M 3.2M 3.2M 3.2M 3.2M 3.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.30% 1.20% 3.10% 3.90% 0.50% 2.20% 7.70% 0.60% 10.50% 3.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
-40.90% -45.90% -12.30% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.33 $1.44 $3.75 $4.95 $0.65 $3.05 $10.81 $0.84 $15.80 $5.42 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UTG INC trades at about 10.7× earnings — near its 10-year norm (10-year range 1.9×–52×, median 10.1×).

1.9× 52×

Shaded band = 10-year range (1.9×–52×); dot = today's 10.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin40.3%58.9%10.1%49.1%27.1%7.7%36.8%30.0%16.7%4.2%
FCF margin———————-12.3%-45.9%-40.9%
Return on assets3.5%10.5%0.6%7.7%2.2%0.5%3.9%3.1%1.2%0.3%
Return on equity7.3%23.1%1.6%21.7%6.8%1.5%12.4%11.6%4.4%1.2%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.