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Universal Technical Institute Inc (UTI) — RQD Stock Rating Cockpit

$21.87 -3.40% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.69

Universal Technical Institute Inc (UTI) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.25B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UTI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UTI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Universal Technical Institute Inc (NYSE: UTI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $21.87 (-3.40% 1D, market cap $1.25B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 51 tracked Real Estate issuers, UTI ranks #14 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UTI compare to AFYA and STRA in the Real Estate sector?
▼

Within the Real Estate sector (Other Consumer Services), UTI carries a Roarable C (63/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 19.3%. By comparison, AFYA (Afya Limited (Class A)) holds a D grade (46/100 RQD, P/E N/A, ROIC —, cap $979.4M) and STRA (Strategic Education Inc.) posts a C- grade (59/100 RQD, P/E 13.6x, ROIC 9.1%, cap $1.62B). Among the 5-stock peer group, PRDO leads on earnings multiple (12.3x) while UTI leads on capital efficiency (19.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UTI?
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Per UTI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001261654), Universal Technical Institute Inc generated $835.6M in revenue (+14.0% YoY), $63.0M in net income, and $55.4M in free cash flow against $834.0M in total assets and $98.5M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.70 (-0.80%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 6.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C-
Cash (13)Whales (10)SEC (14)Macro (10)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
$54 Bull$22 Base$17 Bear
📬 FREE UTI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UTI)Realized 20D OHLCV Swing Band: ±9.8%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY UTI SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+14/20 pts (22% of score)

Altman Z-Score 3.14 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (57) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$20.66-0.3% Next Q
Q2 (-2Q)
58
Grade C$20.59+7.6% Next Q
Q3 (-1Q)
60
Grade C$22.15-1.3% Next Q
Current
63
Grade C$21.87+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UTI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, UTI faces multiple-compression risk if 20.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($20.92) or 200D SMA ($32.27) invalidates the momentum regime and cuts Target Base ($22.36) toward Bear Floor ($17.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UTI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UTI Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
5730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.14>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE12% OF RANGE
L: $18$21.87H: $51
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on UTI

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

19.3% ROIC with 42.0% gross margin and 4.26% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (70)

Altman-Z 3.14 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

26/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like UTI
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UTI Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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UTI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -41.00%⚡ TESTING RESISTANCE
2026-11-03O $23.61H $23.61L $21.87C $21.87VOL 1.84M
RES: $22.67SUP: $14.64SMA50: $20.92SMA200: $32.27
$53.67$44.01$34.35$24.68$15.02RES $22.67SUP $14.64$21.872026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UTI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UTI Butterfly Map → + Track UTI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
14.2%/yr Implied 5Y Growth

vs. +14.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on UTI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UTI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UTI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UTI)

Real Estate Rank #14 of 51 ⚔️ AFYA vs UTI Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (UTI vs. AFYA, STRA, PXED, PRDO)

Industry: Other Consumer Services (73 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, Universal Technical Institute Inc (UTI) ranks #14 by composite RQD confidence (63/100, grade C) and #14 by equity capitalization ($1.25B). Within this direct 5-issuer industry benchmark cohort, PRDO leads on earnings valuation at 12.3x trailing P/E, while UTI leads on capital efficiency and profitability with 19.3% ROIC and — gross margin. PRDO currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with UTI at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UTI ACTIVE
Universal Technical Institute Inc
C 63/100 20.6x — 19.3% -3.40% $1.25B Benchmark Subject
AFYA
Afya Limited (Class A)
D 46/100 — — — +1.82% $979.4M /afya-vs-uti →
STRA
Strategic Education Inc.
C- 59/100 13.6x — 9.1% -0.53% $1.62B /stra-vs-uti →
PXED
Phoenix Education Partners Inc.
D- 43/100 — — — -0.08% $862.6M /pxed-vs-uti →
PRDO
Perdoceo Education Corporation
C 64/100 12.3x — 18.0% -0.50% $1.87B /prdo-vs-uti →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001261654 ↗

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Universal Technical Institute Inc (UTI) reported GAAP revenue of $835.6M (+14.0% vs. FY2024 revenue of $732.7M , and +37.6% cumulative change since FY2023) , GAAP net income of $63.0M, operating cash flow of $97.3M, and free cash flow of $55.4M (-10.1% YoY). On the balance sheet, UTI closed FY2025 with $834.0M in total assets against $98.5M in total debt (Altman Z-Score: 3.14, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-09-30 $835.6M $63.0M $97.3M $55.4M $834.0M $98.5M
FY2024 (FY) 2024-09-30 $732.7M $42.0M $85.9M $61.6M $753.8M $117.3M
FY2023 (FY) 2023-09-30 $607.4M $12.3M $49.1M $49.1M — —

3. UTI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UTI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Universal Technical Institute Inc (NYSE: UTI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $21.87 (-3.40% 1D, market cap $1.25B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 51 tracked Real Estate issuers, UTI ranks #14 in composite RQD confidence.

How does UTI compare to AFYA and STRA in the Real Estate sector?

Within the Real Estate sector (Other Consumer Services), UTI carries a Roarable C (63/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 19.3%. By comparison, AFYA (Afya Limited (Class A)) holds a D grade (46/100 RQD, P/E N/A, ROIC —, cap $979.4M) and STRA (Strategic Education Inc.) posts a C- grade (59/100 RQD, P/E 13.6x, ROIC 9.1%, cap $1.62B). Among the 5-stock peer group, PRDO leads on earnings multiple (12.3x) while UTI leads on capital efficiency (19.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UTI?

Per UTI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001261654), Universal Technical Institute Inc generated $835.6M in revenue (+14.0% YoY), $63.0M in net income, and $55.4M in free cash flow against $834.0M in total assets and $98.5M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UTI trading relative to its 50-day, 200-day, and 52-week technical levels?

UTI last traded at $21.87 (-3.40% on volume of 1,742,871 shares), positioning the stock +4.54% above its 50-day simple moving average ($20.92) and -32.23% below its 200-day simple moving average ($32.27). Across its 52-week range of $18.02 to $51.34, UTI sits at the 11.6% percentile with a 14-day RSI of 57.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.8% ($19.73 to $24.01).

Direct Sub-Reports: UTI RQD Cockpit UTI 12M Forecast UTI Earnings & Move UTI Dividends & DRIP UTI Insiders & 13F UTI Whale Options UTI Profit Sankey UTI News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

UTI — Universal Technical Institute Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-09-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Universal Technical Institute Inc (UTI) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $21.87 (-3.40% 1D, market capitalization $1.25B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 19.3%, gross margin of —, operating margin of 10.0%, and free cash flow yield of 4.26%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (14/20): Incorporates a 1.00x equity beta, Altman Z-Score of 3.14, Piotroski F-Score of 8/9, and Debt/Equity of 0.29x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Universal Technical Institute Inc (UTI) is a NYSE-listed issuer. It operates in the Real Estate sector and the Other Consumer Services industry. Its market capitalization is $1.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-09-30), Universal Technical Institute Inc (UTI) reported $835.6M in annual revenue (up from $732.7M in FY2024, +14.0% YoY) and $63.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($607.4M revenue, $12.3M net income) through FY2025, UTI scaled operating cash flow to $97.3M and free cash flow to $55.4M, backed by $834.0M in total assets against $98.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.26% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $18.02 – $51.34 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 20.6x trailing P/E and 11.0x EV/EBITDA against 10.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are recorded (supply chain: NONE; butterfly links: none; proprietary signals: none). Sector correlations and second-order bottlenecks beyond the sector and industry labels are — Per the news feed, the demand-for-technicians theme and customer-acquisition headwinds are the only ripple-type themes identified, and a prospective investor should monitor how these interact with the cut 2026 outlook noted in the RED-flag item.

  • Key Question #1: Can UTI sustain or expand its 10.0% operating margin and 19.3% ROIC against Other Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $835.6M and free cash flow of $55.4M, how will capital allocation balance growth reinvestment against $98.5M in total debt?
  • Key Question #3: How sensitive is UTI's 17.3x forward P/E multiple to Real Estate capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

UTI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Universal Technical Institute Inc (UTI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UTI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UTI Bull vs. Bear Conversation Board — What's Your Call at $21.87?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UTI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UTI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $28.30 (+25.0%)
📌 Pinned Debate

Strong 19.3% ROIC, a 3.14 Altman Z-Score, an 8/9 Piotroski F-Score, and insider flow scoring 16/20 underpin a financially sound profile

Don't sleep on UTI's setup in Real Estate. Strong 19.3% ROIC, a 3.14 Altman Z-Score, an 8/9 Piotroski F-Score, and insider flow scoring 16/20 underpin a financially sound profile.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (63/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@RedlineAuditor Fair point on 20.6x trailing P/E, but you're ignoring the forward operating leverage in Other Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $18.34 (-19.0%)
Spot @ $22.64

A RED-flagged report of a 2026 outlook cut, a 10/20 whale flow score, and a 4.26% FCF yield leave valuation and momentum exposed.

Sitting on the sidelines or leaning short UTI above $22.64. A RED-flagged report of a 2026 outlook cut, a 10/20 whale flow score, and a 4.26% FCF yield leave valuation and momentum exposed.. Until Fundamental Cash Engine (13/20) and FCF yield (4.26%) inflect higher, upside is capped near $51.34.

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