UTG (UTGN) Moat Score: 2/10 (As of Jul. 01, 2026)


UTGN UTG Inc UTGN
69 GF Score
Price $55.00
GF Value $51.41
Valuation Fairly Valued
! 2 Warning Signs
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What is UTG Moat Score?

UTG UTGN 69 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates UTGN with a GF Score™ of 69/100 and a GF Value™ of $51.41 (Fairly Valued). The stock has 2 warning signs investors should review. Among 600 Insurance companies, UTG ranks better than 69.83% on this metric.

UTG has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

UTG has No Moat: UTG Inc lacks significant market leadership or customer loyalty. It does not possess valuable intellectual property or strong brand strength. The company faces low switching costs and lacks durable cost advantages or regulatory barriers, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UTG might have No Moat - Very weak/transient advantages.

UTG  (OTCPK:UTGN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UTG Moat Score Related Terms

UTGN vs SNFCA, AAME, CIA: Moat Score Comparison

For the Insurance - Life subindustry, UTG's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, UTG's Moat Score distribution charts can be found below:

* The bar in red indicates where UTG's Moat Score falls into.


UTGN
69GF Score
UTG Inc UTGN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
UTG (UTGN) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, UTG ranks #181 out of 600 companies in the Insurance industry, placing it in the top 30.2%.
Is UTG's Moat Score too high?
UTG's current Moat Score is 2. Based on the distribution chart, UTG ranks #181 out of 600 companies in the Insurance industry, which is above the industry midpoint. 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 Moat Score compare to SNFCA and AAME?
According to the Insurance industry distribution chart, UTG ranks #181 out of 600 companies for Moat Score. This puts UTG in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. UTG's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For UTG (UTGN), the current Moat Score is 2 as of Jul. 01, 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:

  • Moat Score: 2
  • GF Value™: $51.41 vs. price of $55.00 (7% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$51.41
GF Value