UTG Inc is a life insurance holding company. Along with its subsidiaries, its 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.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	2.17
Equity-to-Asset	0.37
Debt-to-Equity	0.12
Debt-to-EBITDA	7.08
Interest Coverage	67.38
Piotroski F-Score	2/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.24	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.7
	3-Year EBITDA Growth Rate	-13.7
	3-Year EPS without NRI Growth Rate	-1.6
	3-Year FCF Growth Rate	9.1
	3-Year Book Growth Rate	5.8

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	13.95
	9-Day RSI	26.36
	14-Day RSI	33.71
	6-1 Month Momentum %	-8.82
	12-1 Month Momentum %	19.23

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.1
	Shareholder Yield %	-7.48

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	7.67
	FCF Margin %	-38.34
	ROE %	1.26
	ROA %	0.46
	ROIC %	0.55
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	47.7
	PE Ratio without NRI	47.7
	Shiller PE Ratio	9.5
	PS Ratio	3.73
	PB Ratio	0.59
	Price-to-Tangible-Book	0.59
	EV-to-EBIT	37.32
	EV-to-EBITDA	27.18
	EV-to-Revenue	2.86
	EV-to-FCF	-7.45
	Price-to-Projected-FCF	2.38
	Price-to-Median-PS-Value	1.74
	Price-to-Graham-Number	1.12
	Earnings Yield (Greenblatt) %	2.68
	FCF Yield %	-10.29
	Forward Rate of Return (Yacktman) %	-20.78

GF Value: $15.75

UTGN

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