UTIUniversal Technical Institute, Inc.
Is it safe?
Forensics clean, with a caveat: a safe balance sheet and insiders buying, but big price swings.
Financially healthy, low distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Insiders were net buyers (+$335K, 90 days to Oct 8, 2026). SEC Form 4 filings: officers and directors must report their own trades within two business days.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -62% · now 57% below its 52-week high.
Unless marked, from SEC EDGAR, as of Sep 30, 2025.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can UTI take a bad year?
Universal Technical Institute, Inc. holds $10M more cash than debt, and is burning $5.7M a quarter, about 7.5 years of cover.
Net cash
- Net debt / EBITDA
- net cash
Net debt / EBITDA · no net borrowings to measure against earnings
- Altman Z-score
- 4.20
Altman Z-score · safe zone, above 3
- Cash runway
- 5+ years
Cash runway · burning $5.7M a quarter at the current rate
Details›
- Total debtQ3 2026
- $160M
- Cash and short-term investments
- $170M
- Net cash
- $10M
- EBITDA, trailing twelve months
- $81M
- Operating profit, trailing twelve months
- $44M
- Debt / equity
- 0.47×
- Total debt / EBITDA
- 1.97×
- Annualised volatilitytwo years of daily moves
- 61%
- Worst drawdown on file
- −62%
- Below its 52-week high
- 57%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Education & Training Services
Ranks #11 of 15 by RyuScore