UTG (UTGN) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)


UTGN UTG Inc UTGN
69 GF Score
Price $55.00
GF Value $51.60
Valuation Fairly Valued
! 2 Warning Signs
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What is UTG LT-Debt-to-Total-Asset?

UTG UTGN 69 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates UTGN with a GF Score™ of 69/100 and a GF Value™ of $51.60 (Fairly Valued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. UTG's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

UTG's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

UTG  (OTCPK:UTGN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

UTG LT-Debt-to-Total-Asset Related Terms

UTG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for UTG's LT-Debt-to-Total-Asset 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.

UTG LT-Debt-to-Total-Asset Chart

UTG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.06 0.04 0.04 0.00 0.00

UTG Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
UTGN
69GF Score
UTG Inc UTGN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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UTG LT-Debt-to-Total-Asset Calculation

UTG's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=0/491.369
=0.00

UTG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=0/521.393
=

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.00 mean?
UTG (UTGN) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on UTG and its competitors.
Is UTG's LT-Debt-to-Total-Asset too high?
UTG's current LT-Debt-to-Total-Asset is 0.00. Overall, UTG has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UTG's LT-Debt-to-Total-Asset compare to SNFCA and AAME?
UTG's LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on UTG and its competitors. UTG's current LT-Debt-to-Total-Asset is 0.00. 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 $51.60, compared to a current price of $55.00 — trading 6.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. UTG's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For UTG (UTGN), the current LT-Debt-to-Total-Asset is 0.00 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 6.6% above its estimated GF Value™ of $51.60. GuruFocus considers UTG to be Fairly Valued.

Key valuation signals for UTGN:

  • LT-Debt-to-Total-Asset: 0.00
  • GF Value™: $51.60 vs. price of $55.00 (6.6% above fair value)
  • GF Score™: 69/100 with 2 warning signs

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 Business Description

Address 205 North Depot Street, Stanford, KY, USA, 40484
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.
69GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$51.60
GF Value