Stock fact sheet · data as of
UTG, Inc. (UTGN): fair value, margin of safety and Wheel Score
Ticker symbol UTGN · Financial Services · Insurance - Life · United States · Value
Is UTGN undervalued?
UTGN has a margin of safety of 48%: the stock closed at 61.28 on 5 Nov 2026 against a GLS average fair value of 118.07. 4 of the 7 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 7 models disagree widely: 10 Cap gives 10.43 while DCF gives 279.44. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, UTGN is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 83, growth score 10, out of 100).
Nine valuation models for UTGN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 279.44 | +356% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 146.53 | +139% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 184.18 | +201% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 45.66 | -25% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 33.42 | -45% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 10.43 | -83% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 126.84 | +107% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -64.31 | -205% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: UTGN passes 4 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 7.4%, ROE 7.4%, ROA 3.7% - with debt at 0.00 times equity and negative free cash flow.
UTG, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 7.4% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 7.4% |
| Debt / equity | 0.00 | ROA | 3.7% |
| Free-cash-flow yield | -4.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 32: No options
UTGN has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (32 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $192M, with a beta of 0.12 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $192M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 48% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.0/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.12, $192M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for UTGN in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Life
The 12 companies below are the closest to UTG, Inc. by market cap within the Insurance - Life industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PKIN Pekin Life Insurance Company | 11.75 | 5.43 | -116% | 11No options | $201M |
| CIA Citizens, Inc. | 4.13 | 5.70 | +28% | 35Weak | $209M |
| SNFCA Security National Financial Corporation | 9.44 | 144.93 | +93% | 35No options | $223M |
| KCLI Kansas City Life Insurance Company | 34.60 | 21.07 | -64% | 13No options | $335M |
| ABX Abacus Global Management, Inc. | 9.05 | 33.54 | +73% | 43Weak | $885M |
| MHNC Maiden Holdings North America, Ltd. | 10.95 | 28.51 | +62% | 28No options | $1.1B |
| AAME Atlantic American Corporation | 1.19 | 13.99 | +91% | 32No options | $24M |
| BHFAP Brighthouse Financial, Inc. | 12.54 | 124.47 | +90% | 29No options | $2.1B |
| BHF Brighthouse Financial, Inc. | 42.45 | 181.74 | +77% | 39Weak | $2.4B |
| BHFAM Brighthouse Financial, Inc. | 9.37 | 118.40 | +92% | 29No options | $2.5B |
| BHFAN Brighthouse Financial, Inc. | 10.54 | 120.64 | +91% | 29No options | $2.5B |
| BHFAO Brighthouse Financial, Inc. | 12.89 | 125.14 | +90% | 29No options | $2.5B |
⚖ Compare UTGN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about UTGN
Is UTGN undervalued right now?
By the GLS models, yes: at 61.28 the stock is 48% below the average fair value of 118.07 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of UTGN and what does it mean?
UTGN has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for UTGN?
118.07 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does UTG, Inc. report earnings next?
No upcoming earnings date is recorded for UTGN in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does UTGN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on UTGN, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.