UTG

UTG — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

ModelIntrinsic Valuevs Price ($41.80)
DCF$-6.95-116.6%
Graham Number$86.56+107.1%
Reverse DCFimplied g: 60.4%
DDM$49.44+18.3%
EV/EBITDA

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: $13.64M
Rev: -5.6% / EPS: -0.9%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$-6.95
Current Price$41.80
Upside / Downside-116.6%
Net Debt (used)$875.00M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term-3.0%1.0%5.0%9.0%13.0%
7.0%$-6.93$-6.39$-5.77$-5.05$-4.22
8.0%$-7.40$-6.97$-6.47$-5.89$-5.23
9.0%$-7.72$-7.37$-6.95$-6.47$-5.92
10.0%$-7.96$-7.66$-7.30$-6.90$-6.43
11.0%$-8.15$-7.88$-7.57$-7.22$-6.82

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $8.57
Yahoo: $38.85

Results

Graham Number$86.56
Current Price$41.80
Margin of Safety+107.1%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Current Price$41.80
Implied Near-term FCF Growth60.4%
Historical Revenue Growth-5.6%
Historical Earnings Growth-0.9%
Base FCF (TTM)$13.64M
Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Yahoo: $2.40

Results

DDM Intrinsic Value / share$49.44
Current Price$41.80
Upside / Downside+18.3%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: $875.00M

Results

Implied Equity Value / share$-9.57
Current Price$41.80
Upside / Downside-122.9%
Implied EV$0