How does UTGN's PE Ratio compare to its peers?

UTGN is good value based on its Price-To-Earnings Ratio (2x) compared to the peer average (17.3x).

How does UTGN's PE Ratio compare vs other companies in the US Insurance Industry?

UTGN is good value based on its Price-To-Earnings Ratio (2x) compared to the US Insurance industry average (12.9x).

What is UTGN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate UTGN's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of UTGN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

UTGN ($29.5) is trading below our estimate of [[fair value]] ($134.16)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

UTGN Stock Overview

An insurance holding company, provides individual life insurance products and services in the United States. More details

UTGN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 78% below our estimate of its fair value

Earnings grew by 182.6% over the past year

Risk Analysis

High level of non-cash earnings

Shares are highly illiquid

Does not have a meaningful market cap ($93M)

My Notes

Capture your thoughts, links and company narrative

UTG, Inc. Competitors

Citizens

NYSE:CIA

US$215.6m

Pekin Life Insurance

OTCPK:PKIN

US$200.5m

Kansas City Life Insurance

OTCPK:KCLI

US$350.2m

Genworth Financial

NYSE:GNW

US$3.0b

Price History & Performance

Summary of share price highs, lows and changes for UTG
Historical stock prices
Current Share Price	US$29.50
52 Week High	US$32.00
52 Week Low	US$24.81
Beta	0.17
1 Month Change	3.51%
3 Month Change	12.38%
1 Year Change	-2.02%
3 Year Change	5.28%
5 Year Change	-11.44%
Change since IPO	68.57%

Recent updates

Shareholder Returns

	UTGN	US Insurance	US Market
7D	5.0%	-0.2%	-1.1%
1Y	-2.0%	24.9%	22.4%

Return vs Industry: UTGN underperformed the US Insurance industry which returned 24.9% over the past year.

Return vs Market: UTGN underperformed the US Market which returned 22.4% over the past year.

Price Volatility

Is UTGN's price volatile compared to industry and market?
UTGN volatility
UTGN Average Weekly Movement	n/a
Insurance Industry Average Movement	4.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: UTGN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine UTGN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1966	40	Jess Correll	utgins.com

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes 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, it offers reinsurance products.

UTG, Inc. Fundamentals Summary

How do UTG's earnings and revenue compare to its market cap?
UTGN fundamental statistics
Market cap	US$93.02m
Earnings (TTM)	US$45.56m
Revenue (TTM)	US$78.09m

2.0x

P/E Ratio

1.2x

P/S Ratio

Is UTGN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UTGN income statement (TTM)
Revenue	US$78.09m
Cost of Revenue	US$13.37m
Gross Profit	US$64.72m
Other Expenses	US$19.16m
Earnings	US$45.56m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	14.45
Gross Margin	82.87%
Net Profit Margin	58.34%
Debt/Equity Ratio	0%

How did UTGN perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/31 08:59
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

UTG, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

UTG OTCPK:UTGN Stock Report