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UTG Inc (UTGN) fair value: what the stock is really worth

As of Oct 23, 2026: fair value (intrinsic value) of UTG Inc stock $59.39, price $61.28, that is 3.1% below the price, quality 52 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

UI UTG Inc logo Some data Nov 4, 2026

UTG Inc

UTGN · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Highly profitable · 52.6% net margin (TTM)
Low debt
Ranks above peers (10/13)
Costs just 5.4 times its yearly profit.
Fair value $59.39 · Fairly valued
Quality 52/100
Wide moat 67/100 · thin data
Insiders bought $609,978 (6M)
Some data
Negative free cash flow
⚠ Thinly traded⚠ Small free float
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$62.00 $23.00 Fair Value $59.39 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $23.00 – $62.00 · fair‑value band $44.54 – $74.23 · the $61.28 price screens above the $59.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States.

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Its individual life insurance includes the 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, the company offers reinsurance products; and investment in its real estate portfolio includes ownership in oil and gas royalties. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.

Stock analysis

UTG Inc (UTGN) currently trades at $61.28, while our model-based Fair Value estimate is $59.39, so the stock looks roughly fairly valued today (gap 3.2%).

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Valuation

Bull case: the Multiples group reads highest at a median of $59.39 per share, and 1 of the 4 models we run sit above the $61.28 price.

Bear case: the Asset-Based group reads lowest at $49.50, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $44.54 (bear) to $74.23 (bull), the price of $61.28 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

UTG Inc reported revenue of $42.3M in FY2025 versus $35.7M in FY2021, a compound +4.3%/yr. Reported net income was $17.1M in FY2025, compounding +15.3%/yr from FY2021.

Key figures

Market cap $193M Micro · P/E ratio 5.4 · P/S ratio 2.87 · EPS (TTM) $11.35 · Net margin 52.6% · Return on equity 14.7% · Return on assets (EBIT) 6.2% (5-year average) · Operating margin 57.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −3%, UTGN screens cheaper than that median.

Fair Value models

Bear $44.54 Fair Value $59.39 Bull $74.23
Price $61.28 · Downside -3.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($9.73 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $57.04 $58.47 $63.48 71
P/E Multiple $53.16 $70.88 $88.60 63
P/B Multiple $35.92 $47.89 $59.86 55
All 4 models by family
Multiples
P/E Multiple $53.16 $70.88 $88.60 63
P/B Multiple $35.92 $47.89 $59.86 55
Asset-Based
NCAV (Graham) $36.94 $49.50 $73.88 54
Economic Profit
Residual Income $57.04 $58.47 $63.48 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 1
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 73
Debt, balance sheet and risk of trouble
Investment 75
Does it invest with discipline instead of growing at any price?
Low Volatility 82
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 73
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $609,978, on Aug 27, 2026.

  • BuyJesse T CorrellChairman & CEO, Director, 10% owner4× since Mar 6, 2026: 15,820 shares, avg. $38.56$609,978Aug 27, 2026
  • BuyFIRST SOUTHERN FUNDING LLC10% owner3× since May 18, 2026: 10,658 shares, avg. $57.23$609,978Aug 27, 2026
  • SaleJohn CortinesDirector1,181 shares at $55.00$64,955Nov 18, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 12.2% / 32.3%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 52%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks

Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −3.1% · Above median
Profitability
Return on equity (12 months) 14.7% · Above median
Return on assets 3.7% · Top 25%
Net margin (12 months) 52.6% · Top 25%
Operating margin (12 months) 57.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 309.4% · Top 25%
Balance sheet
Debt / equity 0.08× · Lowest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (12 months) 5.4× · Cheapest 25%
P/B 0.83× · Cheaper than median
P/S (12 months) 2.87× · Priciest 25%
EV/EBITDA 3.9× · Cheaper than median
PEG 1.02× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)29 · sector 7
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)59 · sector 48
HEALTH (low debt)96 · sector 87
DIVIDEND (yield)0 · sector 56

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Ping An Insurance (Group) Company 601318 ¥54.50 ¥66.91 +23% vs UTGN
China Life Insurance Company 601628 ¥35.51 ¥40.47 +14% vs UTGN
Life Insurance Corporation LICI ₹394.00 ₹299.42 −24% vs UTGN
Cathay Financial Holding 2882 111.00 TWD 71.53 TWD −36% vs UTGN
Manulife Financial Corporation MFC $43.24 $26.70 −38% vs UTGN
Fubon Financial Holding 2881 148.00 TWD 86.48 TWD −42% vs UTGN
Aflac Incorporated AFL $124.06 $67.30 −46% vs UTGN
AIA Group 1299 HK$78.45 HK$41.63 −47% vs UTGN
MetLife, Inc MET $98.27 $48.73 −50% vs UTGN
Great-West Lifeco Inc GWO C$90.17 C$41.90 −54% vs UTGN

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UTG Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "UTG Inc Fair Value". https://www.fairvalue-calculator.com/stock/UTGN

Frequently asked questions

Is UTG Inc (UTGN) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $59.39 versus the last price from Oct 23, 2026 of $61.28, about 3% lower (fairly valued).
What is the fair value of UTGN?
Our model-based fair value for UTG Inc is $59.39 (as of Nov 4, 2026), built from audited fundamentals. Last price (from Oct 23, 2026): $61.28.
What is the quality score of UTGN?
UTG Inc has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for UTG Inc (UTGN)?
Our model-based price target is the fair value of $59.39 (as of Nov 4, 2026) from 4 valuation models. Cautious scenario $44.54, optimistic scenario $74.23. It is a calculation from audited fundamentals, not an analyst target.
What is the UTG Inc stock forecast for 2026?
Our models put fair value at $59.39, about 3% lower versus the last price from Oct 23, 2026 of $61.28 (fairly valued). Cautious scenario $44.54, optimistic scenario $74.23. The calculation is refreshed regularly with new filings.
What is the revenue of UTG Inc (UTGN)?
UTG Inc reported trailing-twelve-month revenue of about $67.4M (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of UTG Inc (UTGN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UTG Inc it is $59.39 per share (as of Nov 4, 2026), against a price of $61.28. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is UTG Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, UTGN trades above its calculated fair value: price $61.28, fair value $59.39, a gap of about −3% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UTGN?
No. The price is what the market pays today ($61.28); the fair value is what the company's own numbers justify ($59.39). For UTG Inc the two are $1.89 per share apart. That gap is exactly why we show both numbers side by side.
How much is UTG Inc worth?
The market values UTG Inc at about $193M (market capitalisation, as of Nov 4, 2026). Per share that is $61.28; our models calculate a fair value of $59.39 per share.
What do the bullish and bearish scenarios say about UTGN?
Our models span a range for UTG Inc: cautious scenario $44.54, base $59.39, optimistic $74.23 per share (as of Nov 4, 2026, price $61.28). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UTGN?
UTG Inc trades at a price-to-earnings ratio of 5.4 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $59.39 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 4 of the years ex one-offs: 8.8. Other multiples: PEG 1.0, P/B 0.8, P/S 2.9, EV/EBITDA 3.9.
What is the PEG ratio of UTGN?
The PEG ratio of UTG Inc is 1.02 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of UTG Inc (UTGN)?
Balance-sheet figures for UTG Inc (as of Nov 4, 2026): return on equity 14.7%, debt of 0.08 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is UTGN from its 52-week high?
UTG Inc trades at $61.28, about 1% below its 52-week high of $62.00 and 20% above the low of $51.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $59.39 is for.
Which stocks are comparable to UTG Inc?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is UTG Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $61.28, calculated fair value $59.39 (−3%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UTGN calculated?
We run UTG Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $59.39 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. UTG Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of UTG Inc (UTGN)?
The latest price we hold is from Oct 23, 2026 and stands at $61.28. Our model-based fair value is $59.39, about 3% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UTG Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of UTG Inc (UTGN) come from?
Earnings per share at UTG Inc grew +27.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.6 %, EBIT margin +17.2 %, tax rate −1.5 %, residual (interest, one-offs) +3.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of UTG Inc

How large is the market capitalisation of UTG Inc (UTGN)?
The market capitalisation of UTG Inc is $193M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of UTG Inc (UTGN)?
The price-to-sales ratio of UTG Inc is 2.87 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of UTG Inc (UTGN)?
Earnings per share at UTG Inc are $11.35 (price ÷ EPS = P/E 5.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of UTG Inc (UTGN)?
The net margin of UTG Inc is 52.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of UTG Inc (UTGN)?
The return on equity (ROE) of UTG Inc is 14.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of UTG Inc (UTGN)?
On an EBIT basis the return on assets of UTG Inc is 6.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of UTG Inc (UTGN)?
The operating margin of UTG Inc is 57.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UTG Inc (UTGN)?
Revenue at UTG Inc is growing +309% versus a year earlier (3y avg −15.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at UTG Inc (UTGN)?
Earnings per share at UTG Inc are growing +81.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does UTG Inc (UTGN) generate?
The free cash flow of UTG Inc is −$6.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does UTG Inc (UTGN) hold?
UTG Inc holds more cash than debt, $30.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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