A Business at a Glance
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UTG INC
UTGN
$183M
Mkt Cap
$57.99
+0.00%
UTG INC (UTGN) has a current P/E ratio of 3.7, compared to its historical median P/E of 8.9. The stock is currently considered Fair based on its historical valuation range.
UTG INC (UTGN) has a 5-year average return on invested capital (ROIC) of 12.2%. This indicates solid capital allocation.
UTG INC (UTGN) has a market capitalization of $183M. It is classified as a small-cap stock.
UTG INC (UTGN) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 0.43%.
Based on historical P/E analysis, UTG INC (UTGN) appears fair. The current P/E of 3.7 is 58% below its historical median of 8.9. The estimated fair value CAGR (P/E method) is 25.0%.
UTG INC (UTGN) operates in the Life Insurance industry, within the Financials sector.
UTG INC (UTGN) reported annual revenue of $42 million in its most recent fiscal year, based on SEC EDGAR filings.
- UTG, Inc. is an insurance holding company. The Company’s dominant business is individual life insurance, which includes the servicing of existing insurance in-force and the acquisition of other companies in the life insurance business. UTG and its subsidiaries are collectively referred to as the “ Company”. This document at times will refer to the Registrant’s largest shareholder, Mr. Jesse T. Correll and certain companies controlled by Mr. Correll. Mr. Correll holds a majority ownership of First Southern Funding, LLC (“ FSF”), a Kentucky corporation, and First Southern Bancorp, Inc. (“ FSBI”), a financial services holding company. FSBI operates through its100% owned subsidiary bank, First Southern National Bank (“ FSNB”). Banking activities are conducted through multiple locations within south-central and western Kentucky. Mr.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 42M | 42M | 85M | 26M | 70M | 36M |
| Net Income | 17M | 17M | 50M | 2.7M | 34M | 9.7M |
| EPS | $5.42 | $5.42 | $15.80 | $0.84 | $10.81 | $3.05 |
| Free Cash Flow | -12M | -12M | -13M | -13M | -9.9M | -23M |
| ROIC | 7.9% | 7.6% | 25.2% | 1.5% | 20.1% | 6.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.06 | 0.06 | 0.00 | 0.12 | 0.12 | 0.17 |
| Dividends/Share | $0.00 | $0.00 | $0.00 | $0.63 | $0.95 | $1.58 |
| Operating Income | 22M | 22M | 63M | 2.8M | 44M | 12M |
| Operating Margin | 51.6% | 51.6% | 74.4% | 10.7% | 63.0% | 33.2% |
| ROE | 7.4% | 7.6% | 26.5% | 1.7% | 23.0% | 7.0% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 44M | 29M | 28M | 29M | 41M | 44M | 27M | 36M | 70M | 26M | 85M | 42M | 42M |
| Gross Margin | N/A | N/A | 37.3% | 39.1% | 59.8% | 69.5% | 42.3% | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.9M | 6.9M | 7.6M | 7.2M | 7.1M | 7.4M | 7.3M | 6.8M | 7.9M | 7.9M | 7.5M | 8.0M | 8.0M |
| EBIT | 11M | 273K | 2.1M | 3.3M | 17M | 20M | 2.6M | 12M | 44M | 2.8M | 63M | 22M | 22M |
| Op. Margin | 25.5% | 1.0% | 7.6% | 11.5% | 40.0% | 45.7% | 9.4% | 33.2% | 63.0% | 10.7% | 74.4% | 51.6% | 51.6% |
| Net Income | 7.0M | 917K | 1.2M | 4.8M | 12M | 16M | 2.1M | 9.7M | 34M | 2.7M | 50M | 17M | 17M |
| Net Margin | 16.0% | 3.2% | 4.2% | 16.7% | 30.0% | 36.8% | 7.7% | 27.1% | 49.1% | 10.1% | 58.9% | 40.3% | 40.3% |
| Non-Recurring | 163K | 3.6M | 466K | 762K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 8.2% | 1.2% | 1.4% | 4.7% | 11.5% | 13.7% | 1.6% | 6.4% | 20.1% | 1.5% | 25.2% | 7.6% | 7.9% |
| ROE | 9.0% | 1.2% | 1.4% | 4.8% | 11.5% | 13.7% | 1.6% | 7.0% | 23.0% | 1.7% | 26.5% | 7.6% | 7.4% |
| ROA | 1.7% | 0.2% | 0.3% | 1.2% | 3.1% | 4.0% | 0.5% | 2.3% | 7.7% | 0.6% | 10.9% | 3.5% | 3.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -14M | -11M | -11M | -13M | -5.1M | -6.5M | -13M | -12M | -5.3M | -9.8M | -1.6M | -6.5M | -6.5M |
| Free Cash Flow | -15M | -11M | -11M | -13M | -5.1M | -8.4M | -16M | -23M | -9.9M | -13M | -13M | -12M | -12M |
| Owner Earnings | -14M | -12M | -12M | -14M | -6.5M | -13M | -15M | -15M | -8.1M | -11M | -4.0M | -8.1M | -8.1M |
| CapEx | 1.6M | 0 | 0 | 0 | 0 | 2.0M | 3.0M | 11M | 4.6M | 3.4M | 12M | 5.8M | 5.8M |
| Maint. CapEx | 309K | 814K | 698K | 702K | 1.1M | 5.9M | 1.7M | 2.1M | 2.1M | 729K | 1.9M | 1.3M | 1.3M |
| Growth CapEx | 1.3M | N/A | N/A | N/A | N/A | 0 | 1.3M | 8.8M | 2.5M | 2.7M | 9.7M | 4.5M | 4.5M |
| D&A | 309K | 814K | 698K | 702K | 1.1M | 5.9M | 1.7M | 2.1M | 2.1M | 729K | 1.9M | 1.3M | 1.3M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.8M | 4.0M | 1.0M | 2.0M | 5.0M | 6.0M | 4.0M | 5.0M | 3.0M | 2.0M | 0 | 0 | 0 |
| Dividend Yield | 10.1% | 7.3% | 1.8% | 3.1% | 5.4% | 5.7% | 4.2% | 5.7% | 3.4% | 2.2% | N/A | N/A | N/A |
| Share Buybacks | 928K | 120K | 5.1M | 604K | 1.3M | 909K | 3.3M | 537K | 686K | 882K | 648K | 783K | 783K |
| Buyback Yield | 1.8% | 0.2% | N/A | N/A | 1.2% | 0.8% | 3.9% | 0.6% | 0.9% | 0.9% | 0.7% | 0.0% | 0.4% |
| Stock-Based Comp | 69K | 61K | 61K | 64K | 361K | 354K | 326K | 288K | 599K | 802K | 477K | 291K | 291K |
| Debt Repayment | 16M | 4.4M | 0 | 2.9M | 0 | 0 | 0 | 0 | 64M | 22M | 19M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -207M | -197M | -199M | -204M | -172M | -200M | -205M | -148M | -135M | -51M | -122M | -89M | -16M |
| Cash & Equiv. | 14M | 12M | 15M | 25M | 20M | 29M | 39M | 31M | 45M | 41M | 45M | 31M | 31M |
| Long-Term Debt | 4.4M | 0 | 2.9M | 0 | N/A | 0 | 0 | 24M | 19M | 19M | 0 | N/A | 14M |
| Debt/Equity | 0.05 | 0.00 | 0.03 | 0.00 | 0.09 | 0.00 | 0.00 | 0.17 | 0.12 | 0.12 | 0.00 | 0.06 | 0.06 |
| Interest Coverage | 16.4 | 4.0 | N/A | N/A | N/A | N/A | N/A | 2919.0 | 404.1 | 99.0 | 5445.5 | N/A | N/A |
| Equity | 82M | 75M | 92M | 110M | 106M | 131M | 137M | 141M | 158M | 161M | 216M | 232M | 232M |
| Total Assets | 400M | 377M | 402M | 406M | 396M | 419M | 419M | 438M | 448M | 442M | 477M | 491M | 491M |
| Total Liabilities | 316M | 300M | 308M | 296M | 288M | 287M | 282M | 297M | 290M | 280M | 260M | 259M | 259M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 32M | 33M | 34M | 39M | 70M | 86M | 88M | 98M | 132M | 131M | 181M | 198M | 198M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.86 | 0.25 | 0.33 | 1.44 | 3.75 | 4.95 | 0.65 | 3.05 | 10.81 | 0.84 | 15.80 | 5.42 | 5.42 |
| Owner EPS | -3.74 | -3.28 | -3.43 | -4.18 | -1.96 | -3.88 | -4.75 | -4.69 | -2.54 | -3.58 | -1.25 | -2.57 | -2.57 |
| Book Value | 21.90 | 20.42 | 26.12 | 32.79 | 32.18 | 39.85 | 42.54 | 44.43 | 49.72 | 50.98 | 68.37 | 73.70 | 73.70 |
| Cash Flow/Share | -3.64 | -3.04 | -3.21 | -3.95 | -1.53 | -1.97 | -4.12 | -3.93 | -1.68 | -3.09 | -0.50 | -2.07 | 5.83 |
| Dividends/Share | 1.28 | 1.09 | 0.28 | 0.60 | 1.51 | 1.83 | 1.24 | 1.58 | 0.95 | 0.63 | 0.00 | 0.00 | 0.00 |
| Shares Out. | 3.8M | 3.7M | 3.5M | 3.3M | 3.3M | 3.3M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M |
| Valuation | |||||||||||||
| P/E Ratio | 7.5 | 57.4 | 53.0 | 17.4 | 8.7 | 7.2 | 40.8 | 8.9 | 2.3 | 35.8 | 1.9 | N/A | 10.7 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | 4.4 | 773.5 | 27.1 | N/A | N/A | 3.9 | 19.0 | 6.7 | 1.1 | 16.1 | 0.7 | N/A | 7.6 |
| Price/Book | 0.6 | 0.7 | 0.7 | 0.8 | 1.0 | 0.9 | 0.6 | 0.6 | 0.5 | 0.6 | 0.4 | N/A | 0.8 |
| Price/Sales | 1.1 | 1.9 | 2.0 | 2.2 | 2.2 | 2.4 | 3.5 | 2.5 | 1.3 | 3.5 | 1.1 | N/A | 4.3 |
| FCF Yield | -29.1% | -21.2% | -18.4% | -15.8% | -4.7% | -7.2% | -19.1% | -27.4% | -12.5% | -13.9% | -14.1% | N/A | -6.7% |
| Market Cap | 52M | 53M | 62M | 84M | 107M | 117M | 85M | 86M | 79M | 95M | 93M | 0 | 183M |
| Avg. Price | 12.66 | 14.90 | 15.43 | 19.19 | 27.78 | 32.02 | 29.60 | 27.64 | 27.92 | 29.26 | 28.61 | 0.00 | 57.99 |
| Year-End Price | 13.95 | 14.36 | 17.50 | 25.00 | 32.50 | 35.50 | 26.50 | 27.00 | 25.06 | 30.11 | 29.50 | 0.00 | 57.99 |
UTG INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
UTG INC trades at 3.7x trailing earnings, compared to its 15-year median P/E of 8.9x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 12.2%. Total shareholder yield (buybacks) is 0.4%. At current prices, the estimated annualized return to fair value is +25.0%.
UTG INC (UTGN) has a net profit margin of 40.3%. This is a strong margin indicating high profitability.
UTG INC (UTGN) generated $-12 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
UTG INC (UTGN) has a debt-to-equity ratio of 0.06. This indicates a conservatively financed balance sheet.
UTG INC (UTGN) reported earnings per share (EPS) of $5.42 in its most recent fiscal year.
UTG INC (UTGN) has a return on equity (ROE) of 7.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for UTG INC (UTGN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UTG INC (UTGN) has a book value per share of $73.70, based on its most recent annual SEC filing.
No recent press releases.