UTG, Inc.
UTG, Inc. Fundamental Analysis
UTG, Inc. (UTGN) shows moderate financial fundamentals with a PE ratio of 10.58, profit margin of 40.28%, and ROE of 7.51%. The company generates $0.0B in annual revenue with weak year-over-year growth of 2.04%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze UTGN's fundamental strength across five key dimensions:
Efficiency Score
WeakUTGN struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUTGN trades at attractive valuation levels.
Growth Score
ModerateUTGN shows steady but slowing expansion.
Financial Health Score
ModerateUTGN shows balanced financial health with some risks.
Profitability Score
WeakUTGN struggles to sustain strong margins.
Key Financial Metrics
Is UTGN Expensive or Cheap?
P/E Ratio
UTGN trades at 10.58 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UTGN's PEG of -0.26 indicates potential undervaluation.
Price to Book
The market values UTG, Inc. at 0.78 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.12 times EBITDA. This is generally considered low.
How Well Does UTGN Make Money?
Net Profit Margin
For every $100 in sales, UTG, Inc. keeps $40.28 as profit after all expenses.
Operating Margin
Core operations generate 51.58 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.51 in profit for every $100 of shareholder equity.
ROA
UTG, Inc. generates $3.68 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UTG, Inc. generates limited operating cash flow of $-6.52M, signaling weaker underlying cash strength.
Free Cash Flow
UTG, Inc. generates weak or negative free cash flow of $-6.52M, restricting financial flexibility.
FCF Per Share
Each share generates $-2.07 in free cash annually.
FCF Yield
UTGN converts -3.61% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.58
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.26
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.78
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.26
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How UTGN Stacks Against Its Sector Peers
| Metric | UTGN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.58 | 19.11 | Better (Cheaper) |
| ROE | 7.51% | 821.00% | Weak |
| Net Margin | 40.28% | 1655.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 659.22 | Weak Liquidity |
| ROA | 3.68% | 1976.00% | Weak |
UTGN outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UTG, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
82.26%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
214.52%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
74.88%
Industry Style: Value, Dividend, Cyclical
High Growth