Utg Inc

Earnings Score
Moat Score

Market Cap $88.08M
PE 2
Debt $NaN
Cash $36.01M
EV $NaN
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$45.56M
EBIT	$57.69M
ROE	22%
ROA	12%
Equity	$205.04M
Growth Stability	13%
PE	1.93
PEG	0.12
PB	0.43
P/S	1.13
Price/Cash	0.41
Net Margins	61%
Op. Margins	74%
Earnings CAGR	13%
Sales Growth YoY	208%
Sales Growth QoQ	198%
Sales CAGR	8%
Equity CAGR	8%
Earnings Stability	0.11

Earnings Growth YoY	406%
Earnings Growth QoQ	306%
Earnings CAGR 5Y	16%
Sales CAGR 5Y	20%
Equity CAGR 5Y	8%
Earnings CAGR 3Y	18%
Sales CAGR 3Y	18%
Equity CAGR 3Y	12%
Market Cap	$88.08M
Revenue	$78.09M
Assets	$472.96M
Cash	$36.01M
Shares Outstanding	3.17M
Earnings Score	8%
Moat Score	96%
Shares Growth 3y	-0%
Equity Growth QoQ	17%
Equity Growth YoY	33%

Assets & ROA

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Stockholders Equity & ROE

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UTG Inc operates as a life insurance holding company. The company's primary business is individual life insurance which includes the servicing of existing insurance business in force and the acquisition of other companies in the insurance business and administration processing of life insurance business for other entities. Its product offering is the Tradition policy which is a fixed premium whole life insurance policy. Premiums are level and payable for life. Issue ages are 0-75. The second is the annuity product, which is a five-year, single premium product. The company's investment portfolio consists of fixed maturities, equity securities, trading securities, mortgage loans, notes receivable and real estate to provide funding for future policy contractual obligations.

SEC Filings

Direct access to Utg Inc (UTGN) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Utg Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Utg Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 13%

Stability 11%

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Utg Inc Discounted Cash Flow

Fully customizable DCF calculator online for Utg Inc.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	16%	3%	4%	17%	30%	37%	8%	27%	49%	8%	61%
ROA	-	0%	1%	1%	-	-	-	3%	10%	0%	12%
ROE	-	1%	1%	4%	12%	12%	2%	7%	22%	1%	22%

Good Net Margins (61.07%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	19%	94%	100%	13%	13%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (13%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-34%	-3%	3%	44%	7%	-38%	31%	96%	-64%	20%
Earnings YoY growth	-	-87%	27%	312%	158%	31%	-87%	363%	255%	-94%	16%
Equity YoY growth	-	-8%	22%	17%	-3%	23%	4%	3%	12%	2%	8%
FCF YoY growth	-	-27%	2%	16%	-59%	-	-	-	-	-	-