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UTGUTGN 75 3-Year EBITDA Growth Rate is -20.40% as of Jun. 2026. GuruFocus rates UTGN with a GF Score™ of 75/100 and a GF Value™ of $53.01 (Fairly Valued). The stock has 3 warning signs investors should review. Among 289 Insurance companies, UTG ranks worse than 95.85% on this metric.
During the past 12 months, UTG's average EBITDA Per Share Growth Rate was -81.70% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was -20.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 35.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of UTG was 64.70% per year. The lowest was -68.00% per year. And the median was -0.95% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
UTG 3-Year EBITDA Growth Rate Related Terms
UTGN vs CIA, SNFCA, AAME: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Life subindustry, UTG's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UTG 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, UTG's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where UTG's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -20.40% mean?
UTG (UTGN) has a 3-Year EBITDA Growth Rate of -20.40% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for UTG and its competitors. According to the industry distribution chart, UTG ranks #277 out of 289 companies in the Insurance industry, placing it in the top 95.8%.
Is UTG's 3-Year EBITDA Growth Rate too high?
UTG's current 3-Year EBITDA Growth Rate is -20.40%. Based on the distribution chart, UTG ranks #277 out of 289 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, UTG has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UTG's 3-Year EBITDA Growth Rate compare to CIA and SNFCA?
According to the Insurance industry distribution chart, UTG ranks #277 out of 289 companies for 3-Year EBITDA Growth Rate. This places UTG in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 15.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 15.60, based on 289 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for UTG and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 15.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UTG's current 3-Year EBITDA Growth Rate is -20.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UTG stock overvalued right now?
Based on GuruFocus' analysis, UTG (UTGN) is currently considered Fairly Valued. The stock's GF Value™ is $53.01, compared to a current price of $54.18 — trading 2.2% above its estimated fair value. The current 3-Year EBITDA Growth Rate is -20.40%. UTG's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For UTG (UTGN), the current 3-Year EBITDA Growth Rate is -20.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UTG (UTGN) Overvalued in 2026?
Based on GuruFocus' analysis, UTG stock appears to be overvalued.
The current stock price of $54.18 is trading 2.2% above its estimated GF Value™ of $53.01.
GuruFocus considers UTG to be Fairly Valued.
Key valuation signals for UTGN:
3-Year EBITDA Growth Rate: -20.40%
GF Value™: $53.01 vs. price of $54.18 (2.2% above fair value)
No single metric tells the full story. See the UTGN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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, the acquisition of other companies in the insurance business, and the 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.
75GF Score
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