UTG, Inc. (UTGN)
Financial Services · PNK
Fundamentals
Valuation and ratings
UTG, Inc. trades at USD57.99, which is 120% below the USD127.58 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF 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.
UTGN passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is UTG, Inc. (UTGN) undervalued?
Against our discounted cash flow estimate of USD127.58, UTGN at USD57.99 is 120% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
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.
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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.