UTG INC (UTGN)
Life Insurance · Financial Services · $168M
Intrinsic Value (Consensus)
$85.33
Current Price
$53.50
Margin of Safety
+59.5%
59.5% Below Intrinsic Value
Value: $85
Price: $54
Valuation Model Estimates
Current Price: $53.50
DCF (Discounted Cash Flow)
Not applicable
—
Graham Number
$94.96
Earnings Power Value
$52.62
Relative Value (P/E)
$108.40
Dividend Discount Model
Not applicable
—
Consensus Value
$85.33
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
55
Profitability
15/25
Strength
14/25
Valuation
22/25
Growth
4/25
Financial Health Signals
Negative free cash flow — company is burning cash
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $5.42
- EPS (Forward)
- $5.53
- Book Value
- $73.95
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 7.4%
- Debt/Equity
- 4%
- Revenue Growth
- -50.1%
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance