STRA (63) AFYA (46) PXED (45) PRDO (66) ⌘ Pro Terminal →

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

$23.61 +6.59% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.85

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.

📊 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) →

ROARABLE C • HOLD / WATCH Cap $1.30B

📤 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 2026-11-02, 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 $23.61 (+6.59% 1D, market cap $1.30B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 16/20. Across 51 tracked Real Estate issuers, UTI ranks #18 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 STRA and AFYA in the Real Estate sector?

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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, STRA (Strategic Education Inc.) holds a C grade (63/100 RQD, P/E 13.6x, ROIC 9.1%, cap $1.73B) and AFYA (Afya Limited (Class A)) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $953.2M). 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: $23.85 (+1.00%)🧬 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

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-

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UTI)Realized 20D OHLCV Swing Band: ±9.7%

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 (65.9) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$20.86-0.2% Next Q

Q2 (-2Q)

Grade C$20.81+5.7% Next Q

Q3 (-1Q)

Grade C$21.99+7.4% Next Q

Current

Grade C$23.61+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 ($20.91) or 200D SMA ($32.29) invalidates the momentum regime and cuts Target Base ($24.14) toward Bear Floor ($18.83).

🎲 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

65.930 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 RANGE17% OF RANGE

L: $18$23.61H: $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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UTI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -36.31%▲ RESISTANCE BREAKOUT

2026-11-02O $22.15H $23.61L $22.15C $23.61VOL 2.14M

RES: $23.01SUP: $14.77SMA50: $20.91SMA200: $32.29

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #18 of 51 ⚔️ STRA vs UTI Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (UTI vs. STRA, AFYA, 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 #18 by composite RQD confidence (63/100, grade C) and #14 by equity capitalization ($1.30B). 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 66/100 (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%	+6.59%	$1.30B	Benchmark Subject
STRA Strategic Education Inc.	C	63/100	13.6x	—	9.1%	+0.34%	$1.73B	/stra-vs-uti →
AFYA Afya Limited (Class A)	D	46/100	—	—	—	-0.68%	$953.2M	/afya-vs-uti →
PXED Phoenix Education Partners Inc.	D	45/100	—	—	—	+2.30%	$896.5M	/pxed-vs-uti →
PRDO Perdoceo Education Corporation	C+	66/100	12.3x	—	18.0%	-0.32%	$1.96B	/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?

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

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

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

UTI last traded at $23.61 (+6.59% on volume of 2,141,192 shares), positioning the stock +12.91% above its 50-day simple moving average ($20.91) and -26.88% below its 200-day simple moving average ($32.29). Across its 52-week range of $18.02 to $51.34, UTI sits at the 16.8% percentile with a 14-day RSI of 65.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.7% ($21.32 to $25.90).

UTI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell UTI stock right now?

Universal Technical Institute Inc (UTI) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (19% return on capital), mixed timing at 21x P/E—hold if owned, no rush to chase.

What is UTI's 12-month price target and RQD AI Jury consensus?

UTI's 12-month base price target is $24.14 (range $18.83 to $53.91), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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