UTI · NYSE · STOCK
Universal Technical Institute (UTI) Stock Analysis
$20.64
52W $18.02 – $51.34
54/100
$1.14B
32.9
1.19
Is UTI Bullish or Bearish?
Mixed.
Innellis AI committee rates Universal Technical Institute, Inc. (UTI) Watch with a composite score of 54/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.55 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.45 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.27) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.17 across 6 articles, 14d) — News
Bear Case
- P/E of 32.8 is moderate-to-rich — Value
- Price-to-book of 5.4x prices in significant intangible value — Value
- EPS declining -45.7% YoY despite any revenue growth — Growth
- Price structure making lower highs and lower lows — Technical
- Trend and market structure agree -- coherent bearish picture — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
54/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 63%
of 72 Consumer Defensive peers
Value Analyst
neutral
47
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 32.8 is moderate-to-rich
Growth Analyst
neutral
48
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− EPS declining -45.7% YoY despite any revenue growth
Technical Analyst
neutral
46
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.27) -- balance sheet can absorb a shock
− Bollinger bandwidth of 17.2% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 54.5 to 54.5.
- New bearish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
63.5
Neutral
MACD Histogram
0.438
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Lh Ll
Bollinger %B
0.68
Inside Bands
Price vs Moving Averages
EMA 9
$19.90
Above
EMA 21
$20.43
Above
EMA 50
$24.07
Below
EMA 200
$30.76
Below
Fundamental Analysis
Valuation
67
Growth
72
Profitability
66
Financial Health
57
Cash Flow
15
Valuation
P/E Ratio
32.9×
P/B Ratio
3.30×
PEG Ratio
-0.71
Dividend Yield
0.00%
52W High
$51.34
52W Low
$18.02
Quality & Growth
ROE
1920.6%
ROA
762.8%
Gross Margin
4922.3%
Operating Margin
500.9%
Revenue Growth YoY
—
Debt / Equity
1.04
AI Fundamental Assessment
P/E ratio of 32.9 (rich relative to a 15-40x range); Price-to-book of 3.3x; PEG ratio of -0.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 19.2%; Return on assets of 7.6%; Net margin of 3.9%; Gross margin of 49.2%; Current ratio of 1.30 (tight short-term liquidity); Debt-to-equity of 1.04; Free cash flow per share is negative (-0.42); Most recent quarter beat estimates by 116.2%; EPS growth accelerating (-95.7% -> +300.0% QoQ); Analyst estimates falling over recent quarters
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