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UTG cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$2.9M in Q2 2026 · −$7.7M over twelve months

Operating cash flow−$2.9M
Free cash flow−$2.9M
Cash / net income-0.4×

Analysis

In Q2 2026, UTG generated −$2.9M of operating cash flow. That is $1.8M less than in Q2 2025 (−$1.1M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$7.7M; the largest uses were operating cash flow ($7.7M), real estate bought ($5.4M), other financing ($1.4M); besides operations, cash came from other investing ($19.7M); the cash balance rose by $4.2M.

Operating cash flow was −$2.9M against net income of $6.3M — -0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: income taxes payable −$2.3M, deferred taxes +$880K, other operating capital +$729K.

Free cash flow

UTG: free cash flow by quarterUTG: free cash flow by quarter$889KQ3 2024−$1.0MQ4 2024−$3.3MQ1 2025−$1.1MQ2 2025−$107KQ3 2025−$2.1MQ4 2025−$2.6MQ1 2026−$2.9MQ2 2026
Operating cash flow less capital spending.
UTG: operating cash flow against capital spendingUTG: operating cash flow against capital spendingOperating cash flowCapital spending$889K$0Q3 2024−$1.0M$0Q4 2024−$3.3M$0Q1 2025−$1.1M$0Q2 2025−$107K$0Q3 2025−$2.1M$0Q4 2025−$2.6M$0Q1 2026−$2.9M$0Q2 2026
Latest (Q2 2026): Operating cash flow −$2.9M, Capital spending $0.

Capital allocation, year by year

UTG: where the cash came from (up) and went (down), by fiscal yearUTG: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesBuybacksDividendsFY2021: Operating cash flow −$12.5MFY2021: Net borrowing $24.0MFY2021: Shares issued $5KFY2021: Asset sales $1.3MFY2021: Buybacks −$537KFY2021: Dividends −$5.0M$25.3MFY2021FY2022: Operating cash flow −$5.3MFY2022: Net borrowing −$5.0MFY2022: Buybacks −$686KFY2022: Dividends −$3.0MFY2022FY2023: Operating cash flow −$9.8MFY2023: Asset sales $16.5MFY2023: Buybacks −$882KFY2023: Dividends −$2.0M$16.5MFY2023FY2024: Operating cash flow −$1.6MFY2024: Net borrowing −$19.0MFY2024: Asset sales $3.2MFY2024: Buybacks −$648K$3.2MFY2024FY2025: Operating cash flow −$6.5MFY2025: Asset sales $88KFY2025: Buybacks −$783K$88KFY2025
Over these 5 years operating cash flow totalled −$35.7M; the largest uses were operating cash flow ($35.7M) and net borrowing ($24.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$42.6M
Debtnone
Net cash$42.6M
Cash runway5.6 years

UTG is burning cash: its operations consume cash, a free cash flow of −$7.7M a year at the current rate against $42.6M of cash and investments: a runway of about 5.6 years before any new financing.

Where the cash came from and went

UTG: sources (+) and uses (−) of cash, Q2 2026UTG: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)$4.2MOperating cash flow−$2.9MOther investing−$935KBuybacks−$215KReal estate bought−$120KOther financing−$47K
UTG: sources (+) and uses (−) of cash, TTM to Q2 2026UTG: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing$19.7MOperating cash flow−$7.7MReal estate bought−$5.4MCash drawn (+) / kept (−)−$4.2MOther financing−$1.4MBuybacks−$990K

From profit to cash

UTG: net income to operating cash flow, Q2 2026UTG: net income to operating cash flow, Q2 2026Net income$6.3MDepreciation & amortization$378KStock-based pay$88KDeferred taxes$880KIncome taxes payable−$2.3MOther operating capital$729KOperating cash flow−$2.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksCash drawn (+) / kept (−)Free cash flow
Q2 2026−$2.9M−$215K$4.2M−$2.9M
Q1 2026−$2.6M−$196K−$16.2M−$2.6M
Q4 2025−$2.1M−$263K$18.9M−$2.1M
Q3 2025−$107K−$316K−$11.1M−$107K
Q2 2025−$1.1M−$108K−$1.6M−$1.1M
Q1 2025−$3.3M−$96K$8.5M−$3.3M
Q4 2024−$1.0M−$321K−$9.3M−$1.0M
Q3 2024$889K−$110K−$514K$889K

UTG: income statement and cash flow

UTG, Q2 2026: revenue $13.9M (+309% year over year), operating margin 57.6%. The chart follows the revenue to costs, profit and cash.

UTG: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.