What is UTG Inc's earnings per share (EPS)?

UTG Inc (UTGN) reported diluted earnings per share of $5.42 for fiscal year 2025. This represents a -65.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

UTG Inc Financials

UTGN

Source SEC Filings (10-K/10-Q) Updated Mar 25, 2026 Currency USD FYE March

This page shows UTG Inc (UTGN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

2/9

UTG Inc passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

-0.38x

For every $1 of reported earnings, UTG Inc generates $-0.38 in operating cash flow (-$6.5M OCF vs $17.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$42.3M

YoY-50.1%

5Y CAGR+9.2%

10Y CAGR+3.9%

UTG Inc generated $42.3M in revenue in fiscal year 2025. This represents a decrease of 50.1% from the prior year.

EBITDA

N/A

Net Income

$17.1M

YoY-65.4%

5Y CAGR+52.2%

10Y CAGR+34.0%

UTG Inc reported $17.1M in net income in fiscal year 2025. This represents a decrease of 65.4% from the prior year.

EPS (Diluted)

$5.42

YoY-65.2%

5Y CAGR+52.8%

10Y CAGR+36.0%

UTG Inc earned $5.42 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 65.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$30.5M

YoY-32.5%

5Y CAGR-4.8%

10Y CAGR+10.0%

UTG Inc held $30.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY-0.5%

5Y CAGR-0.2%

10Y CAGR-1.6%

UTG Inc had 3M shares outstanding in fiscal year 2025. This represents a decrease of 0.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

40.3%

YoY-17.7pp

5Y CAGR+32.7pp

10Y CAGR+37.1pp

UTG Inc's net profit margin was 40.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 17.7 percentage points from the prior year.

Return on Equity

7.3%

YoY-16.1pp

5Y CAGR+5.8pp

10Y CAGR+6.1pp

UTG Inc's ROE was 7.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 16.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$783K

YoY+20.8%

5Y CAGR-25.1%

10Y CAGR+20.6%

UTG Inc spent $783K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 20.8% from the prior year.

Capital Expenditures

N/A

UTGN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$42.3M-50.1%	$84.9M+222.8%	$26.3M-62.3%	$69.7M+95.7%	$35.6M+30.7%	$27.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.0M+7.3%	$7.5M-5.4%	$7.9M+0.6%	$7.9M+15.2%	$6.8M-6.0%	$7.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$0-100.0%	$12K-59.1%	$28K-73.9%	$109K+2583.8%	$4K	$0
Income Tax	$4.7M-63.3%	$12.8M+30562.3%	$42K-99.6%	$9.6M+362.5%	$2.1M+507.8%	$340K
Net Income	$17.1M-65.4%	$49.3M+1755.8%	$2.7M-92.2%	$34.3M+254.5%	$9.7M+362.7%	$2.1M
EPS (Diluted)	$5.42-65.2%	$15.57+1753.6%	$0.84-92.2%	$10.81+254.4%	$3.05+369.2%	$0.65

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$17.3M+411.1%	$3.4M-84.5%	$21.9M+37.1%	$16.0M-60.5%	$40.4M+248.0%	$11.6M-31.3%	$16.9M+64.2%	$10.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$0	$0	$0	$0	$0	$0-100.0%	$12K+0.3%	$12K
Income Tax	$2.3M+627.6%	-$429K-111.4%	$3.8M+116.2%	$1.7M-76.0%	$7.2M+479.5%	$1.2M-52.1%	$2.6M+100.4%	$1.3M
Net Income	$10.3M+679.4%	-$1.8M-113.9%	$12.8M+75.6%	$7.3M-73.5%	$27.5M+415.0%	$5.3M-42.3%	$9.2M+114.2%	$4.3M
EPS (Diluted)	$3.25+680.4%	$-0.56-113.8%	$4.05	N/A	$8.67+416.1%	$1.68-42.5%	$2.92	N/A

UTGN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$491.4M+3.0%	$476.9M+8.0%	$441.7M-1.3%	$447.5M+2.1%	$438.5M+4.6%	$419.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$30.5M-32.5%	$45.3M+9.9%	$41.2M-9.1%	$45.3M+47.1%	$30.8M-21.1%	$39.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$258.7M-2.9%	$266.4M-4.9%	$280.0M-3.3%	$289.5M-2.6%	$297.2M+5.4%	$281.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$232.2M+10.5%	$210.1M+30.3%	$161.2M+2.3%	$157.6M+11.9%	$140.8M+3.0%	$136.7M
Retained Earnings	$198.4M+9.8%	$180.6M+37.5%	$131.3M-0.5%	$132.0M+35.1%	$97.7M+11.0%	$88.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$499.6M+2.3%	$488.4M-0.6%	$491.1M+3.0%	$476.9M+0.8%	$473.0M+8.3%	$436.7M+1.4%	$430.8M-2.5%	$441.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$49.5M+28.8%	$38.4M+4.4%	$36.8M-18.8%	$45.3M+25.7%	$36.0M+1.4%	$35.5M-13.1%	$40.8M-0.9%	$41.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$266.7M+0.3%	$265.9M-0.4%	$267.1M+0.3%	$266.4M-0.6%	$267.9M+2.7%	$261.0M0.0%	$260.9M-6.8%	$280.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$232.4M+4.7%	$222.0M-0.7%	$223.6M+6.4%	$210.1M+2.8%	$204.5M+16.7%	$175.2M+3.4%	$169.4M+5.1%	$161.2M
Retained Earnings	$201.9M+5.3%	$191.6M-0.9%	$193.4M+7.1%	$180.6M+3.0%	$175.4M+17.6%	$149.1M+4.5%	$142.6M+8.6%	$131.3M

UTGN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$6.5M-315.8%	-$1.6M+84.0%	-$9.8M-83.4%	-$5.3M+57.2%	-$12.5M+6.0%	-$13.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$6.9M-126.0%	$26.5M+283.9%	$6.9M-73.7%	$26.2M+245.1%	-$18.1M-167.1%	$26.9M
Financing Cash Flow	-$1.3M+93.7%	-$20.9M-1604.2%	-$1.2M+80.8%	-$6.4M-128.6%	$22.3M+747.5%	-$3.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$783K+20.8%	$648K-26.5%	$882K+28.6%	$686K+27.6%	$537K-83.8%	$3.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$107K+89.9%	-$1.1M+67.5%	-$3.3M-220.4%	-$1.0M-214.3%	$889K+54.7%	$575K+128.5%	-$2.0M-3211.2%	-$61K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$11.7M+351.5%	$2.6M+151.5%	-$5.0M-144.4%	$11.3M+38180.2%	$30K+100.5%	-$5.5M-126.8%	$20.7M+511.4%	-$5.0M
Financing Cash Flow	-$491K-618.8%	$95K+141.3%	-$229K+78.2%	-$1.0M-159.4%	-$405K-12.6%	-$359K+98.1%	-$19.0M-201.8%	$18.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$316K+194.2%	$108K+12.0%	$96K-70.1%	$321K+192.2%	$110K+2.0%	$108K-1.0%	$109K-6.8%	$117K

UTGN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	40.3%-17.7pp	58.1%+48.0pp	10.1%-39.0pp	49.1%+22.0pp	27.1%+19.5pp	7.7%
Return on Equity	7.3%-16.1pp	23.5%+21.8pp	1.7%-20.1pp	21.7%+14.9pp	6.9%+5.3pp	1.5%
Return on Assets	3.5%-6.9pp	10.3%+9.7pp	0.6%-7.0pp	7.6%+5.5pp	2.2%+1.7pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.11-0.2	1.27-0.5	1.74-0.1	1.84-0.3	2.11+0.0	2.06
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	59.1%+111.2pp	-52.1%-110.4pp	58.3%+12.8pp	45.5%-22.4pp	67.9%+22.0pp	45.9%-8.7pp	54.6%+12.8pp	41.9%
Return on Equity	4.4%+5.2pp	-0.8%-6.5pp	5.7%+2.3pp	3.5%-10.0pp	13.4%+10.4pp	3.0%-2.4pp	5.5%+2.8pp	2.7%
Return on Assets	2.1%+2.4pp	-0.4%-3.0pp	2.6%+1.1pp	1.5%-4.3pp	5.8%+4.6pp	1.2%-0.9pp	2.1%+1.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.15-0.1	1.200.0	1.19-0.1	1.27-0.0	1.31-0.2	1.49-0.1	1.54-0.2	1.74
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is UTG Inc's annual revenue?

UTG Inc (UTGN) reported $42.3M in total revenue for fiscal year 2025. This represents a -50.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is UTG Inc's revenue growing?

UTG Inc (UTGN) revenue declined by 50.1% year-over-year, from $84.9M to $42.3M in fiscal year 2025.

Is UTG Inc profitable?

Yes, UTG Inc (UTGN) reported a net income of $17.1M in fiscal year 2025, with a net profit margin of 40.3%.

What is UTG Inc's net profit margin?

UTG Inc (UTGN) had a net profit margin of 40.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is UTG Inc's return on equity (ROE)?

UTG Inc (UTGN) has a return on equity of 7.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is UTG Inc's operating cash flow?

UTG Inc (UTGN) generated -$6.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are UTG Inc's total assets?

UTG Inc (UTGN) had $491.4M in total assets as of fiscal year 2025, including both current and long-term assets.

Does UTG Inc buy back shares?

Yes, UTG Inc (UTGN) spent $783K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does UTG Inc have outstanding?

UTG Inc (UTGN) had 3M shares outstanding as of fiscal year 2025.

What is UTG Inc's debt-to-equity ratio?

UTG Inc (UTGN) had a debt-to-equity ratio of 1.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is UTG Inc's return on assets (ROA)?

UTG Inc (UTGN) had a return on assets of 3.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is UTG Inc's cash runway?

Based on fiscal year 2025 data, UTG Inc (UTGN) had $30.5M in cash against an annual operating cash burn of $6.5M. This gives an estimated cash runway of approximately 56 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is UTG Inc's Piotroski F-Score?

UTG Inc (UTGN) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are UTG Inc's earnings high quality?

UTG Inc (UTGN) has an earnings quality ratio of -0.38x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.