UTGUTGN +5.44%74 Return-on-Tangible-Equity is 0.00% as of Mar. 2026. GuruFocus rates UTGN with a GF Score™ of 74/100 and a GF Value™ of $51.68 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, UTG ranks worse than 70.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. UTG's annualized net income for the quarter that ended in Mar. 2026 was $0.00 Mil. UTG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $244.17 Mil. Therefore, UTG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for UTG's Return-on-Tangible-Equity or its related term are showing as below:
UTGN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.4 Med: 7.29 Max: 26.49
Current: 7.32
During the past 13 years, UTG's highest Return-on-Tangible-Equity was 26.49%. The lowest was 1.40%. And the median was 7.29%.
UTGN's Return-on-Tangible-Equity is ranked worse than 70.34% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs UTGN: 7.32
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
UTG Return-on-Tangible-Equity Related Terms
UTG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for UTG's Return-on-Tangible-Equity 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.
UTGN vs SNFCA, AAME, CIA: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, UTG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, UTG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where UTG's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 0.00% mean?
UTG (UTGN) has a Return-on-Tangible-Equity of 0.00% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UTG and its competitors. Over the past decade, UTG's Return-on-Tangible-Equity has ranged from 1.40 to 26.49. According to the industry distribution chart, UTG ranks #351 out of 499 companies in the Insurance industry, placing it in the top 70.3%.
Is UTG's Return-on-Tangible-Equity too high?
UTG's current Return-on-Tangible-Equity is 0.00%. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 26.49. Based on the distribution chart, UTG ranks #351 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, UTG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UTG's Return-on-Tangible-Equity compare to SNFCA and AAME?
According to the Insurance industry distribution chart, UTG ranks #351 out of 499 companies for Return-on-Tangible-Equity. This places UTG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Historically, UTG's own Return-on-Tangible-Equity has ranged from 1.40 to 26.49 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UTG and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UTG's current Return-on-Tangible-Equity 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 Modestly Overvalued. The stock's GF Value™ is $51.68, compared to a current price of $57.99 — trading 12.2% above its estimated fair value. The current Return-on-Tangible-Equity is 0.00%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For UTG (UTGN), the current Return-on-Tangible-Equity 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 $57.99 is trading 12.2% above its estimated GF Value™ of $51.68.
GuruFocus considers UTG to be Modestly Overvalued.
Key valuation signals for UTGN:
Return-on-Tangible-Equity: 0.00%
GF Value™: $51.68 vs. price of $57.99 (12.2% 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.
74GF Score
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