1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Insurance - Life
UTG, Inc.

UTG, Inc.

UTGN
UTG, Inc.US flagOther OTC
57.99
USD
- -
- -
182.05MMarket Cap
UTG, Inc.
UTGN
(Other OTC)

Recent

price

57.99

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.92
9.39
11.88
9.08
11.52
7.81
7.91
8.63
12.52
13.49
8.47
11.27
22.04
8.31
26.86
- -
6.51
Revenue per Share
1.96
1.65
2.43
0.86
1.86
0.25
0.33
1.44
3.75
4.95
0.65
3.05
10.81
0.84
15.8
- -
1.37
Basic EPS, GAAP
-0.81
-2.8
-2.79
-2.89
-4.06
-3.01
-3.22
-3.94
-1.53
-1.97
-4.1
-3.93
-1.68
-3.08
-0.5
- -
-1.04
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.64
3.31
5.75
6.65
8.57
8.93
9.68
11.67
21.08
26.17
27.23
30.81
41.67
41.34
57.29
- -
70.4
Book Value per Share
16.81
19.82
20.91
20.56
22.28
20.78
26.66
33
32.37
40.02
42.41
44.53
49.89
50.9
68.5
- -
81.42
Tangible Book Value per Share
4
4
4
4
4
4
4
3
3
3
3
3
3
3
3
- -
3
Basic Weighted Avg Shares
38
36
45
34
43
29
28
29
41
44
27
36
70
26
85
42
21
Sales/Revenue/Turnover
27.73
- -
34.1
13.52
25.76
0.94
7.59
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
3
2
3
2
1
2
1
1
Depreciation Expense
8
6
9
3
7
1
1
5
12
16
2
10
34
3
50
17
4
Net Income, GAAP
21.37
16.29
35.58
16.79
9.73
- -
31.39
- -
23.67
17.79
13.32
17.5
21.79
1.49
20.68
21.5
17.86
Effective Tax Rate (%)
19.76
17.59
20.46
9.45
16.15
3.17
4.18
16.66
29.91
36.71
7.63
27.04
49.06
10.06
58.81
40.23
20.98
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
10
10
19
19
4
- -
3
- -
- -
- -
- -
24
19
19
- -
- -
- -
LT Debt
65
76
80
78
84
77
94
110
107
131
137
141
158
162
217
233
257
Total Equity
11.63
- -
10.7
3.92
10.75
- -
1.67
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
24.85
21.57
24.05
6.85
10.34
- -
2.37
- -
22.07
20.32
2.24
9.09
25.02
1.7
30.02
8.93
2.04
Return on Capital (%)
- -
66.52
53.59
13.81
24.34
2.81
3.47
13.13
22.79
20.9
2.4
10.4
29.82
2.02
31.99
9
2.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
145
174
186

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
64
65
81
Accounts Receivable, Net
27
27
30
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
3
8
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.23%
11.72%
7.31%
Free Cash Flow
34.1%
50.42%
315.79%
Net Income, GAAP
268.24%
448.29%
-65.84%
Sales/Revenue/Turnover
24.77%
47.12%
-50.07%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17
12
40
16
85
2025
22
3
17
- -
42
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.92
1.68
8.67
- -
15.8
2025
4.05
-0.56
3.26
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
UTG, Inc. is an insurance holding company primarily engaged in the provision of individual life insurance products and services in the United States through its principal subsidiary, Universal Guaranty Life Insurance Company. The company's core offerings include a limited portfolio of individual life insurance products such as fixed premium whole life insurance policies and a five-year single premium annuity product. UTG, Inc. also provides servicing of existing insurance business in-force, acquisition and administration of insurance companies, and processing of life insurance business for other entities. In addition to insurance, UTG maintains an investment portfolio comprising fixed maturities, equity and trading securities, mortgage loans, notes receivable, and real estate including oil and gas royalty interests. Founded in 1966 and headquartered in the United States, UTG operates primarily within the U.S. insurance market. Recently, the company has focused on strategic acquisitions and the servicing of insurance businesses, reinforcing its operational footprint. It reported revenues of $81.69 million in 2024 and continues to strengthen its financial base through selective acquisitions and product management enhancements within the life insurance sector. UTG, Inc. operates through subsidiaries including Universal Guaranty Life Insurance Company, Cumberland Woodlands, LLC, and Stanford Wilderness Road, LLC, broadening its business scope into real estate and natural resource investments while maintaining a primary focus on individual life insurance products and services. The company employs approximately 40 employees and maintains ongoing efforts to optimize its portfolio and expand its insurance offerings to meet diverse customer needs. Recent financial disclosures indicate continued revenue generation amid market challenges, reflecting established operational stability and focus on core insurance activities.