UTG (UTGN) ROCE %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UTGN UTG Inc UTGN
76 GF Score
Price $59.00
GF Value $52.34
Valuation Modestly Overvalued
! 4 Warning Signs
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What is UTG ROCE %?

UTG UTGN 76 ROCE % is % as of Mar. 2026. GuruFocus rates UTGN with a GF Score™ of 76/100 and a GF Value™ of $52.34 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

UTGN
76GF Score
UTG Inc UTGN
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
UTG (UTGN) has a ROCE % of % as of Mar. 2026.
Is UTG's ROCE % too high?
UTG's current ROCE % is %. Overall, UTG has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UTG's ROCE % compare to CIA and SNFCA?
UTG's ROCE % of % can be compared against companies in the Insurance industry. The industry median ROCE % is 7.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for an Insurance company?
The median ROCE % among Insurance companies is 7.52, based on 64 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median ROCE % is 7.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UTG's current ROCE % is %. 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 $52.34, compared to a current price of $59.00 — trading 12.7% above its estimated fair value. The current ROCE % is %. UTG's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For UTG (UTGN), the current ROCE % is % 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 $59.00 is trading 12.7% above its estimated GF Value™ of $52.34. GuruFocus considers UTG to be Modestly Overvalued.

Key valuation signals for UTGN:

  • ROCE %: %
  • GF Value™: $52.34 vs. price of $59.00 (12.7% above fair value)
  • GF Score™: 76/100 with 4 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.
76GF Score

Get the complete analysis for UTGN

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.00
Price
$52.34
GF Value