Universal Technical Institute, Inc. (UTI)
NYSEConsumer StaplesEducation & Training ServicesSnapshot 2026-09-04
$22.20+2.78%
Close 2026-09-04 · 1-day change
NYSEConsumer StaplesEducation & Training ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · UTI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -12.2% |
| Our one-year growth estimate | diamond | 9.4% |
Growth built into the price is above our model estimate.
The price assumes 21.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 10 industry peers · Company calendar date is not available
UTI — credit agreement
Dated 2026-08-18
Entry into a Material Definitive Agreement. New Secured Revolving Credit Facility. On August 12, 2026, Universal Technical Institute, Inc., a Delaware corporation (the “ Company ”), as borrower, and certain of its subsidiaries (collectively with the Company, the “ Loan Parties ”), entered into a Credit Agreement (“ Credit Agreement ”) with Fifth Third Bank, a national banking association, as lender and as administrative agent, joint lead arranger and sole bookrunner, JPMorgan Chase Bank, N.A.…
Why it matters: New student starts are key for revenue growth. A drop below this number signals weaker demand.
Worry ifNew student starts reported below 31,900 for fiscal 2026.
Less concerning ifNew student starts exceed 32,300, indicating strong demand.
Why it matters: Lower revenue growth may show trouble in keeping demand and making money.
Worry ifQ2 revenue growth is below 6.7%. This may mean problems in execution.
Less concerning ifQ2 revenue growth exceeds 6.7%, reinforcing strong demand.
Why it matters: Meeting the target for new student starts shows demand for UTI's programs. It is crucial for future revenue.
Supportive ifNew student starts reported between 31,500 and 33,000 for fiscal 2026.
Worry ifNew student starts fall below 31,500 for fiscal 2026.
Why it matters: Management is confident in future profits. They have confirmed their EPS guidance.
Supportive ifManagement confirms full-year EPS guidance is between $0.71 and $0.80.
Worry ifManagement lowers EPS guidance because of ongoing growth costs.
Why it matters: Better EPS means more profit. It shows progress toward management's goals.
Supportive ifDiluted EPS for Q3 is reported above $0.01.
Worry ifDiluted EPS for Q3 remains at or below $0.01.
Why it matters: Higher new student starts signal strong demand and growth potential for UTI's programs.
Supportive ifIn Q2, new student starts are over 8,000. This shows strong enrollment growth.
Worry ifNew student starts fall below 7,500, suggesting weaker demand.
Why it matters: Lower revenue guidance may mean there are still problems with execution and demand.
Worry ifFiscal 2026 revenue guidance is still below $893 million.
Less concerning ifFiscal 2026 revenue guidance is raised above $900 million.
Why it matters: Doing well with this strategy could lead to long-term growth and better finances.
Supportive ifManagement says they are improving the North Star strategy. They have better enrollment.
Worry ifManagement reports delays or problems with the North Star strategy.
Why it matters: High growth expenses can hurt profitability. If they exceed this amount, it signals potential financial strain.
Worry ifGrowth expenses were above $9 million in a quarter.
Less concerning ifGrowth expenses stayed at or below $9 million. This shows better cost control.
Why it matters: Reaffirming guidance shows management's confidence in meeting revenue targets. A failure to do so raises concerns.
Supportive ifManagement says full-year revenue will be between $905 million and $915 million.
Worry ifManagement lowers or withdraws its revenue guidance for the full year.
Why it matters: How UTI uses the new credit facility shows its financial plans and growth.
Watch forThey shared details about projects funded by the new $200 million credit line.
Also watch forThere was no news on new projects funded by the credit facility.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$256 on $10,000 · ±2.6% | How much price usually moves either way. |
| Bad day | $526 loss on $10,000 · 5.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,928 loss on $10,000 · 59.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.