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Utg Inc. (UTGN) Stock Fundamental Analysis & AI Rating 2026

UTGN OTC Life Insurance CIK: 0000832480
Recently Updated • Analysis: Apr 18, 2026 • SEC Data: 2025-12-31
SELL
70% Conf
Pending
Analysis scheduled

📊 UTGN Key Takeaways

Revenue: $42.3M
Net Margin: 40.3%
Free Cash Flow: $-6.5M
Current Ratio: N/A
Debt/Equity: 0.05x
EPS: $5.42
AI Rating: SELL with 70% confidence
Utg Inc. (UTGN) receives a SELL rating with 70% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $42.3M, net profit margin of 40.3%, and return on equity (ROE) of 7.4%, Utg Inc. demonstrates mixed fundamentals in the Finance sector. Below is our complete UTGN stock analysis for 2026.

Is Utg Inc. (UTGN) a Good Investment?

Claude

UTG Inc faces severe operational deterioration with revenue collapsing 50.1% YoY, negative operating cash flow of -$6.5M, and EPS declining 65.7%, indicating fundamental business distress. The disconnect between reported positive net income and negative cash generation raises serious concerns about earnings quality and sustainability in this life insurance business.

Why Buy Utg Inc. Stock? UTGN Key Strengths

Claude
  • + Very low leverage with Debt/Equity of 0.05x provides substantial financial flexibility
  • + Strong balance sheet with $232.2M in stockholders' equity and only $12.0M long-term debt
  • + Significant asset base of $491.4M provides operational cushion for turnaround

UTGN Stock Risks: Utg Inc. Investment Risks

Claude
  • ! Severe revenue decline of 50.1% YoY indicates fundamental business deterioration
  • ! Negative operating cash flow of -$6.5M is unsustainable and particularly alarming for insurance operations
  • ! EPS collapsed 65.7% YoY demonstrating severe erosion in earnings power and shareholder value

Key Metrics to Watch

Claude
  • * Operating cash flow trend - sustainability of operations is critical
  • * Revenue stabilization and growth trajectory - validates business recovery
  • * Underwriting and investment income margins - core profitability drivers for insurance business

Utg Inc. (UTGN) Financial Metrics & Key Ratios

Revenue
$42.3M
Net Income
$17.1M
EPS (Diluted)
$5.42
Free Cash Flow
$-6.5M
Total Assets
$491.4M
Cash Position
$30.5M

💡 AI Analyst Insight

The current ratio below 1.0x warrants monitoring of short-term liquidity.

UTGN Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin 51.6%
Net Margin 40.3%
ROE 7.4%
ROA 3.5%
FCF Margin -15.4%

UTGN vs Finance Sector: How Utg Inc. Compares

How Utg Inc. compares to Finance sector averages

Net Margin
UTGN 40.3%
vs
Sector Avg 25.0%
UTGN Sector
ROE
UTGN 7.4%
vs
Sector Avg 12.0%
UTGN Sector
Current Ratio
UTGN 0.0x
vs
Sector Avg 1.2x
UTGN Sector
Debt/Equity
UTGN 0.1x
vs
Sector Avg 2.0x
UTGN Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Utg Inc. Stock Overvalued? UTGN Valuation Analysis 2026

Based on fundamental analysis, Utg Inc. appears fundamentally strong relative to the Finance sector in 2026.

Return on Equity
7.4%
Sector avg: 12%
Net Profit Margin
40.3%
Sector avg: 25%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.05x
Sector avg: 2x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Utg Inc. Balance Sheet: UTGN Debt, Cash & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.05x
Debt/Assets
52.6%
Interest Coverage
N/A
Long-term Debt
$12.0M

UTGN Revenue & Earnings Growth: 5-Year Financial Trend

UTGN 5-year financial data: Year 2021: Revenue $35.6M, Net Income $2.1M, EPS $0.65. Year 2022: Revenue $69.7M, Net Income $9.7M, EPS $3.05. Year 2023: Revenue $69.7M, Net Income $34.3M, EPS $10.81. Year 2024: Revenue $84.9M, Net Income $2.7M, EPS $0.84. Year 2025: Revenue $84.9M, Net Income $50.0M, EPS $15.80.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Utg Inc.'s revenue has grown significantly by 138% over the 5-year period, indicating strong business expansion. The most recent EPS of $15.80 reflects profitable operations.

UTGN Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
-15.4%
Free cash flow / Revenue

UTGN Quarterly Earnings & Performance

Quarterly financial performance data for Utg Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $17.3M $10.3M $3.25
Q2 2025 $3.4M -$1.8M $-0.56
Q1 2025 $16.9M $9.2M $2.92
Q3 2024 $12.7M -$1.7M $1.64
Q2 2024 $3.3M $79.7K $0.03
Q1 2024 -$3.0M -$6.9M $-2.18
Q3 2023 $12.7M -$1.7M $-0.52
Q2 2023 $3.3M $79.7K $0.03

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Utg Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
-$6.5M
Cash generated from operations
Stock Buybacks
$782.8K
Shares repurchased (TTM)
Dividends
None
No dividend program

UTGN SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Utg Inc. (CIK: 0000832480)

📋 Recent SEC Filings

Date Form Document Action
Mar 25, 2026 10-K utg10k2025.htm View →
Mar 9, 2026 4 xslF345X05/primary_doc.xml View →
Feb 6, 2026 4 xslF345X05/primary_doc.xml View →
Feb 6, 2026 8-K utg8k20260206.htm View →
Dec 29, 2025 4 xslF345X05/primary_doc.xml View →

Frequently Asked Questions about UTGN

What is the AI rating for UTGN?

Utg Inc. (UTGN) has an AI rating of SELL with 70% confidence, based on fundamental analysis of SEC EDGAR filings.

What are UTGN's key strengths?

Claude: Very low leverage with Debt/Equity of 0.05x provides substantial financial flexibility. Strong balance sheet with $232.2M in stockholders' equity and only $12.0M long-term debt.

What are the risks of investing in UTGN?

Claude: Severe revenue decline of 50.1% YoY indicates fundamental business deterioration. Negative operating cash flow of -$6.5M is unsustainable and particularly alarming for insurance operations.

What is UTGN's revenue and growth?

Utg Inc. reported revenue of $42.3M.

Does UTGN pay dividends?

Utg Inc. does not currently pay dividends.

Where can I find UTGN SEC filings?

Official SEC filings for Utg Inc. (CIK: 0000832480) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is UTGN's EPS?

Utg Inc. has a diluted EPS of $5.42.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is UTGN a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Utg Inc. has a SELL rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is UTGN stock overvalued or undervalued?

Valuation metrics for UTGN: ROE of 7.4% (sector avg: 12%), net margin of 40.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.

Should I buy UTGN stock in 2026?

Our dual AI analysis gives Utg Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.

What is UTGN's free cash flow?

Utg Inc.'s operating cash flow is $-6.5M, with capital expenditures of $0.0. FCF margin is -15.4%.

How does UTGN compare to other Finance stocks?

Vs Finance sector averages: Net margin 40.3% (avg: 25%), ROE 7.4% (avg: 12%), current ratio N/A (avg: 1.2).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 18, 2026 | Data as of: 2025-12-31 | Powered by Claude AI