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UTG, Inc (UTGN) Fair Value & Analysis

Financial Services · US · Market cap $179M

Price$55.00
Fair Value$70.73
Upside+28.6%
Quality95/100
Evidence: High Range $53.05 – $88.41

Fair value as of: Jun 26, 2026

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Analysis

UTG, Inc (UTGN) currently trades at $55.00, while our model-based Fair Value estimate is $70.73 — implying the stock looks roughly 28.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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

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Frequently asked questions

Is UTG, Inc (UTGN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $70.73 versus a price of $55.00 — about +29% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UTGN?
Our 21-model fair value for UTG, Inc is $70.73 (as of Jun 26, 2026), built from audited fundamentals. The current price is $55.00.
What is the quality score of UTGN?
UTG, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.