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The Holding Company - UTG, Inc. (the Registrant , Company or UTG ) is an insurance holding company incorporated in the state of Delaware in 2005 and headquartered in Stanford, KY. The Company s principal subsidiary is Universal Guaranty Life Insurance Company ( UG ).
$57.99
+$0.00 (+0.00%)
EOD Jul 17, 2026
40.24% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 50.1% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 66% YoY, profitability momentum has weakened.
6.6x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$57M
▼ -50.1% YoY
Net Income (TTM)
$28M
▼ -65.8% YoY
Net Margin
48.31%
P/E
6.6x
Balance Sheet
Total Assets
$521M
Equity
$256M
Total Debt
$0.00
Cash & Equiv.
$54M
5Y CAGR: +9.3%
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At a P/E of 6.6, UTG (UTGN)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, UTG scores 69/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
UTG scores 69 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh UTGN's valuation and scores 69/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.