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MARKETS / BALCAO / Financials / Insurance / UTGN
BALCAO · LIFE INSURANCE · SMALL CAP

UTG Inc. UTGN

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$42.3M
▼ 50.1% YoY
$17.1M
▼ 65.8% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Universal Guaranty Life Insurance Company is an Ohio domiciled life insurance company and is licensed in 37 states. The Company's dominant 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. The holding company has no significant business operations of its own and relies on fees, dividends and other distributions from its operating subsidiary as the principal source of cash flows to meet its obligations. As of December 31, 2025, UTG and its subsidiaries had 40 full-time employees located in Kentucky and Illinois.

Written from the business description in UTG, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 25 March 2026. Every sentence was checked against that document before publication.

Growth

USD 42.3M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 42.3 · Net income 17.1
30M60M
201020132016201920222025
Compound annual growth
−15.3%
+9.2%
+3.9%
+0.6%
−20.7%
+52.2%
+34.0%
+5.5%
−20.6%
+52.8%
+36.0%
+7.0%
+4.5%
−25.1%
+20.6%
+5.5%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +9.2% a year over the five years to FY2025 — but profit grew faster: net income at +52.2%, earnings per share at +52.8%.

The share count fell from 0.00B to 0.00B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

41 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 51.6% · Net 40.5%
20%40%60%
201020172025
ROE
FY2025 · ROE 7.6%
10%20%
201020172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin51.6%
Net margin40.5%
EBITDAUSD 23.1M

Each USD of equity produced 8 cents of profit this year.

Cash & shareholders

USD 782,812.00
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2018 · FCF -5.1
-10M-20M
201020172025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 0.8
2M4M
201020122014201620182020202220242025
Dividends paid·
Net buybacksUSD 782,812.00
Share of profit4.6%
Consecutive raises·

USD 782,812.00 in buybacks — 5% of the year's profit went back to shareholders.

Total assetsUSD 491.4M
EquityUSD 232.2M
CashUSD 30.5M

Equity funds 47% of total assets.

The 16-year record

16 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
UTGN, 16-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.00.10.00.10.00.00.00.00.00.00.00.00.00.00.00.0
Operating income $B0.00.10.00.00.00.0◌◌◌◌◌◌◌◌◌◌
EBITDA $B0.00.10.00.00.00.0◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.00.00.00.00.00.00.0−0.00.0−0.00.00.00.00.00.0
Net income $B0.00.10.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B◌◌◌◌◌◌◌−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0
EPS, diluted $5.4215.800.8410.813.050.654.953.751.440.330.251.860.862.431.651.96
Dividend / sh $◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend————————————————
ROE %7.626.51.723.07.01.613.711.54.81.41.29.04.412.710.414.8
Shares out B0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityLife Insurance
Listed onOTC market
Incorporated innot stated in the filings
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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