UTG (UTGN) Stock Analysis & Winston Score

UTG, Inc. is a small insurance holding company based in the United States. It sells life insurance and annuity products to individual customers, primarily in the Midwest and South. The company operates through its main subsidiary, United Home Life Insurance Company, which has been providing basic life coverage to everyday consumers for decades.

UTG earns money by collecting premiums from policyholders and investing those funds to generate returns over time. It is a very small company with a market cap of around $200 million, competing in a crowded life insurance market dominated by much larger players. Its high operating margins suggest lean operations, but its small size and limited scale make it harder to compete for new customers and talent against bigger insurers — and slow organic growth remains the key long-term challenge the business faces.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+66.4% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+84.2% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

14.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~5 years

$47M cash & investments

$47M cash & investments at current burn rate

Revenue accelerating

UTG grew revenue 66% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.6% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 3.2M (2021) → 3.2M (2025)

Score breakdown

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Quality

Gross Margin

0.0%

Thin — 0.0% gross margin

Operating Margin

0.0%

Thin — 0.0% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-30.2%

Shrinking sales (-30.2% YoY)

EPS YoY

-47.2%

Earnings shrinking (-47.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

-21%

Weak — only -21% of profit becomes cash

FCF Margin

-10.3%

Burning cash (-10.3%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

6.6x

Attractive valuation — P/E 6.6

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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