UTG, Inc. (UTGN)

UTG, Inc. Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 18, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	179	93	95	79	86	84
Market Cap Growth	145.05%	-2.33%	20.20%	-7.99%	2.35%	-27.65%
Enterprise Value	130	58	68	63	63	60
PE Ratio	6.30	1.89	35.85	2.31	8.91	40.29
PS Ratio	3.06	1.10	3.62	1.14	2.42	3.09
PB Ratio	0.77	0.44	0.59	0.50	0.61	0.61
EV/Sales Ratio	2.22	0.68	2.59	0.90	1.76	2.20
EV/EBITDA Ratio	3.48	0.90	19.11	1.37	4.29	14.11
EV/EBIT Ratio	3.62	0.93	24.02	1.43	5.29	23.48
Debt / Equity Ratio	-	-	0.12	0.12	0.17	-
Debt / EBITDA Ratio	-	-	5.32	0.41	1.65	-
Net Debt / Equity Ratio	-0.21	-0.21	-0.14	-0.17	-0.05	-0.28
Net Debt / EBITDA Ratio	-1.32	-0.71	-6.22	-0.57	-0.46	-9.17
Net Debt / FCF Ratio	9.10	28.87	2.27	4.93	0.55	2.95
Quick Ratio	2.81	2.60	1.91	1.16	0.75	2.02
Current Ratio	4.41	4.18	2.72	1.88	1.46	3.61
Asset Turnover	0.12	0.19	0.06	0.16	0.08	0.07
Return on Equity (ROE)	13.07%	26.54%	1.73%	22.96%	7.01%	1.65%
Return on Assets (ROA)	4.62%	8.47%	0.40%	6.21%	1.72%	0.38%
Return on Invested Capital (ROIC)	12.57%	25.25%	1.56%	20.13%	5.98%	1.65%
Earnings Yield	15.92%	53.00%	2.79%	43.23%	11.22%	2.48%
FCF Yield	-	-1.69%	-10.27%	-6.73%	-14.46%	-15.74%
Buyback Yield / Dilution	0.40%	0.35%	-0.29%	0.13%	1.91%	1.58%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.