📊 UTGN Key Takeaways
Is Utg Inc. (UTGN) a Good Investment?
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.
Utg Inc. Key Strengths (UTGN)
- 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
- 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
- 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
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UTGN Profit Margin, ROE & Profitability Analysis
UTGN vs Finance Sector: How Utg Inc. Compares
How Utg Inc. compares to Finance sector averages
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.
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
UTGN Revenue & Earnings Growth: 5-Year Financial Trend
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
UTGN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $21.9M | $13.0M | $4.10 |
| 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 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Utg Inc. Dividends, Buybacks & Capital Allocation
UTGN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Utg Inc. (CIK: 0000832480)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UTGN
What is the AI rating for UTGN?
Utg Inc. (UTGN) has an AI grade of C 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 grade reflects both perspectives for balanced insights.
What is UTGN's fundamental grade?
Based on our AI fundamental analysis in June 2026, Utg Inc. has a C grade with 70% confidence. Review the strengths and risks sections above for full context. 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.
What is UTGN's AI grade for 2026?
Our dual AI analysis gives Utg Inc. a combined C grade 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).