UTGUTGN 74 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates UTGN with a GF Score™ of 74/100 and a GF Value™ of $51.41 (Fairly Valued). The stock has 2 warning signs investors should review. Among 351 Insurance companies, UTG ranks better than 99.43% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. UTG's
EBIT
for the
three
months ended in Mar. 2026 was $0.00 Mil. UTG's Interest Expense for the
three
months ended in Mar. 2026 was $0.00 Mil.
UTG has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
UTG Inc has no debt.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for UTG's Interest Coverage or its related term are showing as below:
UTGN'
s Interest Coverage Range Over the Past 10 Years
Min: 101.43 Med: No Debt Max: No Debt
Current: No Debt
UTGN's Interest Coverage is ranked better than 99.43% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs UTGN: No Debt
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
UTG Interest Coverage Related Terms
UTG Interest Coverage Historical Data
* Premium members only.
The historical data trend for UTG's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
UTGN vs SNFCA, CIA, AAME: Interest Coverage Comparison
For the Insurance - Life subindustry, UTG's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, UTG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where UTG's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
UTG (UTGN) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on UTG and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, UTG's Interest Coverage has ranged from 101.43 to 10,000.00. According to the industry distribution chart, UTG ranks #2 out of 351 companies in the Insurance industry, placing it in the top 0.59999999999999%.
Is UTG's Interest Coverage too high?
UTG's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 101.43 to a high of 10,000.00. Based on the distribution chart, UTG ranks #2 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, UTG has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UTG's Interest Coverage compare to SNFCA and CIA?
According to the Insurance industry distribution chart, UTG ranks #2 out of 351 companies for Interest Coverage. This places UTG in the top 1% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Historically, UTG's own Interest Coverage has ranged from 101.43 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on UTG and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UTG's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 $51.41, compared to a current price of $55.00 — trading 7% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. UTG's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For UTG (UTGN), the current Interest Coverage is No Debt (1) as of Mar. 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 $55.00 is trading 7% above its estimated GF Value™ of $51.41.
GuruFocus considers UTG to be Fairly Valued.
Key valuation signals for UTGN:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $51.41 vs. price of $55.00 (7% 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.
74GF Score
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