UTG, Inc. (UTGN)
Financials · PNK
Price as at 1 Oct 2026, 03:24 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
UTG, Inc. trades at $57.99, which is 120% below the $127.58 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 64 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 6.6 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About UTG, Inc.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
UTGN passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
UTGN peers
The largest companies in the same industry (Insurance - Life), then in the same sector.
- GWLIF Great-West Lifeco Inc.
- PRU Prudential Financial, Inc.
- PUK Prudential plc
- MET-PA MetLife, Inc.
- DSY.JO Discovery Limited
- PRI Primerica, Inc.
- JXN Jackson Financial Inc.
- LNC Lincoln National Corporation
Every financials company we cover is on the Financials hub.
Common questions
Is UTG, Inc. (UTGN) undervalued?
Against our fair value estimate of $127.58, UTGN at $57.99 is 120% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is UTGN's P/E ratio?
UTGN trades at 6.6 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its UTGN data?
Fundamentals for UTGN come from company filings and exchange data, as listed on PNK; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:24 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for UTGN, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.