$40.06

+3.46 (+9.45%)

Weekly Expected Move ±7.3%

$34 $37 $40 $42 $45

NYSE · Consumer Defensive · Education & Training Services · Alpha Radar Buy · Power 57 · $2.2B mcap · 53M float · 1.31% daily turnover · Short 66% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

46.8 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 9.5% · 5Y Avg: 12.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. UTI shows a Weak competitive edge (46.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 9.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$41

Low

$42

Avg Target

$42

High

Based on 2 analysts since May 6, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 8Hold: 1Sell: 2Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$44.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-07	Barrington	Alexander Paris	$10	$42	+32	+21.8%	$34.47
2026-05-07	Northland Securities	—	Initiated	$41	—	+19.1%	$34.43
2026-04-30	Griffin	Griffin Boss	Initiated	$49	—	+29.8%	$37.74
2024-11-21	Truist Financial	Jasper Bibb	Initiated	$26	—	+10.1%	$23.61
2024-11-21	Loop Capital Markets	Eric Martinuzzi	Initiated	$22	—	-6.8%	$23.61
2024-09-11	Rosenblatt Securities	Steve Frankel	$20	$22	+2	+39.6%	$15.76
2024-05-30	B.Riley Financial	Raj Sharma	Initiated	$22	—	+35.8%	$16.20
2024-05-09	Lake Street	Eric Martinuzzi	$10	$19	+9	+24.8%	$15.22
2024-05-09	Rosenblatt Securities	Steve Frankel	$9	$20	+11	+36.9%	$14.61
2022-12-13	Lake Street	—	Initiated	$10	—	+75.7%	$5.69
2022-12-13	Rosenblatt Securities	—	$10	$9	-1	+52.5%	$5.90
2022-08-04	Rosenblatt Securities	—	Initiated	$10	—	+34.8%	$7.42
2022-05-03	Barrington	Alexander Paris	Initiated	$10	—	-5.8%	$10.62

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. UTI receives an overall rating of C+. Strongest factors: ROE (4/5), ROA (4/5). Areas of concern: DCF (1/5), D/E (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-05-06	B-	C+
2026-04-01	C+	B-
2026-02-24	B-	C+
2026-02-05	B	B-
2026-01-03	B-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 40 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. UTI scores highest in Safety (90/100) and lowest in Cash Flow (26/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

3.90

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✗ ✗ ✓

Beneish M-Score

-2.33

Unlikely Manipulator

Ohlson O-Score

-6.35

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

Score: 72.4/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 1.93x

Accruals: -5.0%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. UTI scores 3.90, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. UTI scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. UTI's score of -2.33 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. UTI's implied 0.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. UTI receives an estimated rating of A (score: 72.4/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). UTI's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

52.66x

PEG

-2.07x

P/S

2.60x

P/B

6.61x

P/FCF

1070.80x

P/OCF

24.47x

EV/EBITDA

18.94x

EV/Revenue

2.44x

EV/EBIT

36.49x

EV/FCF

1129.21x

Earnings Yield

2.12%

FCF Yield

0.09%

Shareholder Yield

0.37%

Graham Number

$10.07

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 52.7x earnings, UTI is priced for high growth expectations. Graham's intrinsic value formula yields $10.07 per share, 298% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.755

NI / EBT

Interest Burden

0.972

EBT / EBIT

EBIT Margin

0.067

EBIT / Rev

Asset Turnover

1.106

Rev / Assets

Equity Multiplier

2.670

Assets / Equity

ROE

14.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. UTI's ROE of 14.5% is driven by Asset Turnover (1.106), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

39.25%

Fair P/E

86.99x

Intrinsic Value

$66.61

Price/Value

0.54x

Margin of Safety

45.81%

Premium

-45.81%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with UTI's realized 39.2% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $66.61, UTI appears undervalued with a 46% margin of safety. The adjusted fair P/E of 87.0x compares to the current market P/E of 52.7x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$40.10

Median 1Y

$49.34

5th Pctile

$20.79

95th Pctile

$116.86

Ann. Volatility

52.9%

Analyst Target

$44.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Jerome Grant Chief Executive Officer	$723,077	$3,506,070	$5,149,264
Todd Hitchcock President, Vice President, Chief Operating Officer	$473,077	$959,772	$1,837,659
Bruce Schuman President, Vice President, Chief Financial Officer	$246,635	$979,410	$1,622,934
Christopher Kevane President, Vice President, Chief Legal Officer	$421,923	$599,851	$1,397,876
Christine Kline President, e President, Chief Accounting Officer & Former Interim Chief Financial Officer	$367,308	$599,851	$1,353,715
Sherrell Smith President, Vice President, Chief Academic Officer	$408,000	$479,886	$1,241,373
Troy R. Anderson Former Executive Vice President Chief Financial Officer	$25,962	$—	$27,605

CEO Pay Ratio

64:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $5,149,264

Avg Employee Cost (SGA/emp): $80,892

Employees: 4,100

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

4,100

+10.8% YoY

Revenue / Employee

$203,809

Rev: $835,616,000

Profit / Employee

$15,370

NI: $63,018,000

SGA / Employee

$80,892

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	6.2%	8.0%	15.5%	20.4%	19.2%	12.8%	6.8%	4.9%	4.2%	5.6%	9.1%	11.0%	13.5%	17.3%	22.1%	23.6%	26.0%	21.4%	18.3%	14.5%	14.51%
ROA	2.5%	3.1%	5.9%	7.8%	7.3%	4.9%	2.6%	1.8%	1.6%	1.9%	3.1%	3.8%	4.6%	5.7%	7.2%	7.7%	8.5%	8.0%	6.8%	5.4%	5.43%
ROIC	3.7%	5.7%	11.3%	15.1%	14.7%	8.6%	4.9%	3.4%	3.1%	3.4%	5.4%	6.4%	7.6%	11.2%	14.1%	14.9%	16.1%	14.3%	12.0%	9.5%	9.52%
ROCE	2.7%	3.9%	7.3%	8.6%	8.3%	5.5%	3.3%	4.4%	4.0%	4.2%	6.0%	6.6%	7.8%	11.2%	14.0%	15.3%	16.6%	14.8%	12.8%	9.7%	9.75%
Gross Margin	49.6%	54.1%	54.4%	51.8%	47.3%	48.6%	48.8%	46.9%	42.3%	45.3%	47.1%	47.1%	46.3%	49.4%	50.3%	50.6%	48.0%	49.8%	50.0%	46.7%	46.70%
Operating Margin	3.6%	13.1%	12.9%	3.3%	1.9%	3.1%	3.7%	3.6%	0.4%	6.1%	8.1%	6.1%	4.2%	13.3%	13.6%	8.1%	6.9%	11.2%	7.1%	0.2%	0.15%
Net Margin	3.6%	12.4%	14.1%	7.2%	0.8%	2.6%	2.2%	2.1%	-0.3%	3.9%	5.9%	4.2%	2.8%	9.6%	11.0%	5.5%	5.2%	8.4%	5.8%	0.2%	0.20%
EBITDA Margin	12.4%	20.6%	20.7%	11.7%	9.9%	10.7%	11.5%	12.6%	8.3%	13.0%	15.3%	12.9%	11.5%	20.8%	21.2%	15.6%	14.0%	15.7%	14.7%	7.2%	7.21%
FCF Margin	-6.5%	-1.9%	6.8%	-4.3%	-7.1%	-8.0%	-6.7%	-6.8%	-4.6%	-1.2%	0.5%	5.0%	6.7%	8.4%	9.8%	9.1%	9.2%	6.6%	1.9%	0.2%	0.22%
OCF Margin	11.4%	16.5%	13.7%	12.4%	11.9%	11.0%	10.7%	6.3%	6.1%	8.1%	8.6%	9.1%	10.2%	11.7%	12.9%	12.7%	13.3%	11.6%	9.1%	9.5%	9.46%
ROE 3Y Avg	snapshot only																				15.29%
ROE 5Y Avg	snapshot only																				14.03%
ROA 3Y Avg	snapshot only																				5.39%
ROIC 3Y Avg	snapshot only																				9.78%
ROIC Economic	snapshot only																				7.07%
Cash ROA	snapshot only																				9.95%
Cash ROIC	snapshot only																				18.78%
CROIC	snapshot only																				0.43%
NOPAT Margin	snapshot only																				4.79%
Pretax Margin	snapshot only																				6.50%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				42.36%
SBC / Revenue	snapshot only																				0.60%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	23.86	15.47	9.27	7.95	6.76	7.21	16.91	26.02	27.86	23.68	23.36	35.82	28.94	21.45	26.49	24.79	29.88	28.78	27.13	47.14	52.656
P/S Ratio	0.68	0.67	0.72	0.76	0.58	0.45	0.53	0.51	0.43	0.48	0.71	1.28	1.22	1.23	1.88	1.82	2.33	2.17	1.70	2.32	2.599
P/B Ratio	1.21	1.20	1.39	1.57	1.26	0.87	1.07	1.18	1.09	1.29	2.07	3.86	3.83	3.46	5.47	5.47	7.25	5.53	4.44	6.13	6.612
P/FCF	-10.52	-35.24	10.60	-17.66	-8.28	-5.58	-7.96	-7.58	-9.31	-38.72	137.02	25.67	18.15	14.63	19.19	20.08	25.23	32.77	87.87	1070.80	1070.800
P/OCF	5.97	4.09	5.27	6.16	4.91	4.05	4.98	8.14	7.05	5.94	8.20	14.12	11.97	10.49	14.53	14.28	17.50	18.64	18.81	24.47	24.470
EV/EBITDA	6.40	6.50	5.65	5.62	4.73	5.42	7.27	6.57	5.94	7.08	8.12	12.55	11.43	9.26	12.19	11.42	13.96	13.86	12.20	18.94	18.937
EV/Revenue	0.82	0.87	0.90	0.93	0.74	0.72	0.80	0.75	0.64	0.81	1.01	1.57	1.50	1.41	2.05	1.99	2.49	2.30	1.83	2.44	2.442
EV/EBIT	29.24	19.34	11.76	11.00	9.52	13.26	25.49	20.45	20.86	21.00	20.14	29.41	24.59	17.08	20.63	18.80	22.56	21.78	20.53	36.49	36.493
EV/FCF	-12.62	-45.29	13.19	-21.49	-10.52	-9.00	-11.89	-10.98	-13.83	-65.00	194.92	31.50	22.30	16.78	20.98	21.96	27.01	34.75	94.49	1129.21	1129.214
Earnings Yield	4.2%	6.5%	10.8%	12.6%	14.8%	13.9%	5.9%	3.8%	3.6%	4.2%	4.3%	2.8%	3.5%	4.7%	3.8%	4.0%	3.3%	3.5%	3.7%	2.1%	2.12%
FCF Yield	-9.5%	-2.8%	9.4%	-5.7%	-12.1%	-17.9%	-12.6%	-13.2%	-10.7%	-2.6%	0.7%	3.9%	5.5%	6.8%	5.2%	5.0%	4.0%	3.1%	1.1%	0.1%	0.09%
Price/Tangible Book	snapshot only																				7.127
EV/OCF	snapshot only																				25.804
EV/Gross Profit	snapshot only																				5.020
Acquirers Multiple	snapshot only																				38.463
Shareholder Yield	snapshot only																				0.37%
Graham Number	snapshot only																				$10.07

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.48	1.38	1.38	1.38	1.38	0.99	0.99	0.99	0.99	1.11	1.11	1.11	1.11	1.08	1.08	1.08	1.08	1.07	1.07	1.07	1.074
Quick Ratio	1.48	1.38	1.38	1.38	1.38	0.92	0.92	0.92	0.92	1.11	1.11	1.11	1.11	1.08	1.08	1.08	1.08	1.07	1.07	1.07	1.074
Debt/Equity	0.89	1.05	1.05	1.05	1.05	0.97	0.97	0.97	0.97	1.55	1.55	1.55	1.55	1.13	1.13	1.13	1.13	0.85	0.85	0.85	0.850
Net Debt/Equity	0.24	0.34	0.34	0.34	0.34	0.53	0.53	0.53	0.53	0.88	0.88	0.88	0.88	0.51	0.51	0.51	0.51	0.33	0.33	0.33	0.335
Debt/Assets	0.36	0.39	0.39	0.39	0.39	0.38	0.38	0.38	0.38	0.47	0.47	0.47	0.47	0.40	0.40	0.40	0.40	0.34	0.34	0.34	0.338
Debt/EBITDA	3.92	4.44	3.42	3.09	3.11	3.78	4.41	3.73	3.56	5.06	4.26	4.10	3.76	2.64	2.31	2.16	2.04	2.01	2.17	2.49	2.489
Net Debt/EBITDA	1.07	1.44	1.11	1.00	1.01	2.06	2.41	2.04	1.94	2.86	2.41	2.32	2.13	1.19	1.04	0.97	0.92	0.79	0.85	0.98	0.980
Interest Coverage	63.76	41.07	46.64	30.87	21.34	11.33	4.25	3.37	2.16	2.42	2.98	3.42	4.39	6.39	9.12	10.69	12.80	15.68	15.47	13.25	13.253
Equity Multiplier	2.50	2.72	2.72	2.72	2.72	2.57	2.57	2.57	2.57	3.28	3.28	3.28	3.28	2.86	2.86	2.86	2.86	2.52	2.52	2.52	2.518
Cash Ratio	snapshot only																				0.736
Debt Service Coverage	snapshot only																				25.540
Cash to Debt	snapshot only																				0.606
FCF to Debt	snapshot only																				0.007
Defensive Interval	snapshot only																				220.3 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.88	0.70	0.76	0.81	0.85	0.79	0.81	0.93	1.03	0.94	1.02	1.06	1.09	0.99	1.02	1.05	1.09	1.06	1.09	1.11	1.106
Inventory Turnover	14.41	—	—	—	—	42.80	45.59	53.38	60.65	68.13	74.54	76.72	78.14	—	—	—	—	—	—	—	—
Receivables Turnover	14.64	14.58	15.84	16.90	17.65	22.07	22.85	26.11	28.86	26.70	29.11	30.00	31.07	28.47	29.51	30.41	31.46	23.25	23.79	24.17	24.174
Payables Turnover	14.19	12.75	13.40	14.07	14.91	11.69	12.45	14.58	16.57	18.23	19.95	20.53	20.91	18.89	19.27	19.52	20.05	6.42	6.58	6.82	6.818
DSO	25	25	23	22	21	17	16	14	13	14	13	12	12	13	12	12	12	16	15	15	15.1 days
DIO	25	0	0	0	0	9	8	7	6	5	5	5	5	0	0	0	0	0	0	0	0.0 days
DPO	26	29	27	26	24	31	29	25	22	20	18	18	17	19	19	19	18	57	55	54	53.5 days
Cash Conversion Cycle	25	-4	-4	-4	-4	-6	-5	-4	-3	-1	-1	-1	-1	-7	-7	-7	-7	-41	-40	-38	-38.4 days
Fixed Asset Turnover	snapshot only																				1.804
Cash Velocity	snapshot only																				5.138
Capital Intensity	snapshot only																				0.951

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	0.6%	11.4%	25.7%	36.5%	29.2%	25.0%	19.1%	27.6%	35.0%	45.0%	52.7%	37.8%	29.0%	20.6%	14.7%	14.7%	14.6%	14.0%	12.6%	11.0%	11.03%
Net Income	27.7%	82.1%	5.4%	6.1%	2.9%	77.3%	-51.7%	-73.7%	-75.9%	-52.3%	46.7%	1.5%	2.5%	2.4%	1.7%	1.4%	1.1%	50.0%	-0.1%	-25.7%	-25.68%
EPS	26.1%	79.9%	5.3%	6.0%	2.9%	72.6%	-52.9%	-74.5%	-76.5%	-53.1%	34.8%	56.9%	1.2%	1.1%	81.1%	1.3%	1.1%	49.2%	-0.7%	-26.1%	-26.07%
FCF	-3.0%	-4.6%	1.6%	53.9%	-40.5%	-4.2%	-2.2%	-1.0%	11.7%	77.5%	1.1%	2.0%	2.9%	9.2%	20.7%	1.1%	56.9%	-10.1%	-77.7%	-97.3%	-97.35%
EBITDA	48.0%	35.3%	1.0%	1.5%	58.4%	24.3%	-17.8%	-12.3%	-7.6%	24.7%	72.6%	51.7%	57.9%	61.5%	55.6%	59.7%	55.5%	24.2%	0.5%	-17.8%	-17.78%
Op. Income	2.8%	4.9%	4.8%	4.9%	2.8%	49.7%	-52.3%	-51.8%	-54.2%	-4.4%	1.4%	1.3%	2.0%	1.8%	1.3%	1.1%	95.6%	41.7%	-0.6%	-29.1%	-29.09%
OCF Growth	snapshot only																				-17.55%
Asset Growth	snapshot only																				10.95%
Equity Growth	snapshot only																				26.08%
Debt Growth	snapshot only																				-5.37%
Shares Change	snapshot only																				0.53%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	-0.4%	1.9%	4.5%	6.7%	7.8%	8.1%	8.9%	13.7%	20.6%	26.4%	31.7%	33.8%	31.1%	29.8%	27.8%	26.3%	25.9%	25.9%	25.4%	20.6%	20.60%
Revenue 5Y	-2.2%	-0.7%	1.3%	3.0%	4.2%	5.2%	6.2%	9.2%	11.5%	13.9%	15.7%	16.4%	16.9%	17.2%	17.7%	18.4%	21.0%	22.7%	24.2%	25.0%	25.01%
EPS 3Y	—	—	—	—	—	—	33.9%	-25.9%	4.8%	13.4%	58.4%	—	25.9%	20.2%	4.8%	-2.4%	2.5%	14.5%	34.3%	39.2%	39.25%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	42.4%	8.3%	39.4%	36.0%	48.2%	—	—
Net Income 3Y	—	—	—	—	—	—	44.5%	-21.1%	6.3%	15.4%	65.7%	—	49.2%	42.3%	23.8%	15.5%	21.6%	34.6%	57.8%	63.3%	63.30%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	64.0%	23.6%	55.1%	51.1%	64.9%	—	—
EBITDA 3Y	—	—	—	—	—	70.9%	20.5%	16.4%	29.4%	28.0%	42.6%	49.0%	32.2%	35.8%	30.2%	28.6%	31.4%	35.8%	39.3%	25.8%	25.84%
EBITDA 5Y	—	—	91.7%	50.7%	42.6%	38.4%	53.1%	—	—	—	—	—	—	58.6%	36.3%	30.8%	39.7%	33.3%	35.3%	34.1%	34.13%
Gross Profit 3Y	3.7%	7.8%	11.9%	14.6%	14.1%	11.4%	9.9%	13.0%	19.2%	24.2%	30.0%	32.2%	28.6%	27.4%	24.9%	23.6%	24.0%	25.2%	25.8%	21.3%	21.27%
Gross Profit 5Y	0.1%	2.0%	4.7%	6.5%	7.6%	8.1%	8.2%	11.0%	12.9%	15.6%	17.5%	18.0%	18.3%	17.8%	18.0%	18.6%	21.8%	23.4%	25.3%	25.7%	25.70%
Op. Income 3Y	—	—	—	—	—	—	53.6%	21.9%	—	—	—	—	73.2%	57.9%	37.5%	33.4%	38.7%	55.1%	75.6%	51.7%	51.65%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	81.6%	54.9%	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	44.2%	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	32.1%	31.4%	25.2%	48.3%	99.1%	—	—	—
OCF 3Y	—	—	—	—	2.0%	28.4%	23.8%	1.6%	21.2%	64.5%	69.7%	51.8%	26.2%	15.9%	25.3%	27.5%	30.7%	28.4%	18.6%	38.0%	37.96%
OCF 5Y	—	49.5%	—	—	—	—	57.4%	79.0%	—	—	—	—	1.1%	31.6%	32.0%	27.3%	41.9%	54.6%	46.0%	36.0%	36.02%
Assets 3Y	17.3%	22.0%	22.0%	22.0%	22.0%	26.9%	26.9%	26.9%	26.9%	18.8%	18.8%	18.8%	18.8%	13.3%	13.3%	13.3%	13.3%	14.3%	14.3%	14.3%	14.32%
Assets 5Y	10.0%	11.5%	11.5%	11.5%	11.5%	15.1%	15.1%	15.1%	15.1%	21.3%	21.3%	21.3%	21.3%	22.4%	22.4%	22.4%	22.4%	13.3%	13.3%	13.3%	13.33%
Equity 3Y	12.0%	14.2%	14.2%	14.2%	14.2%	23.5%	23.5%	23.5%	23.5%	8.6%	8.6%	8.6%	8.6%	11.3%	11.3%	11.3%	11.3%	15.1%	15.1%	15.1%	15.06%
Book Value 3Y	2.3%	4.0%	3.9%	4.2%	4.5%	12.8%	14.5%	16.0%	21.7%	6.6%	3.7%	-8.5%	-8.4%	-6.0%	-5.8%	-5.9%	-6.2%	-2.1%	-2.0%	-1.9%	-1.89%
Dividend 3Y	-8.9%	-9.6%	-10.0%	-9.4%	-8.7%	-9.2%	-7.7%	-7.1%	-2.5%	-2.4%	1.4%	-24.6%	-24.4%	-49.3%	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.77	0.20	0.00	0.05	0.25	0.37	0.45	0.51	0.61	0.64	0.65	0.72	0.78	0.80	0.83	0.89	0.95	0.97	0.97	0.99	0.987
Earnings Stability	0.78	0.74	0.72	0.49	0.77	0.72	0.52	0.41	0.64	0.73	0.62	0.41	0.59	0.75	0.64	0.37	0.59	0.75	0.72	0.55	0.548
Margin Stability	0.94	0.93	0.92	0.92	0.93	0.94	0.95	0.94	0.93	0.93	0.92	0.92	0.93	0.95	0.95	0.95	0.95	0.96	0.97	0.97	0.970
Rev. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.20	0.50	0.50	0.50	0.50	0.50	0.50	0.81	0.50	0.50	0.50	0.50	0.50	0.50	0.50	1.00	0.90	0.897
Earnings Smoothness	0.76	0.42	0.00	—	0.00	0.44	0.30	0.00	0.00	0.29	0.62	0.15	0.00	0.00	0.09	0.19	0.28	0.60	1.00	0.71	0.705
ROE Trend	0.12	0.09	0.12	0.13	0.13	0.06	-0.02	-0.03	-0.08	-0.04	-0.02	-0.01	0.02	0.07	0.13	0.14	0.16	0.08	0.02	-0.03	-0.034
Gross Margin Trend	0.03	0.03	0.04	0.05	0.03	0.01	-0.01	-0.02	-0.04	-0.05	-0.05	-0.05	-0.03	-0.01	0.01	0.03	0.03	0.03	0.03	0.01	0.012
FCF Margin Trend	-0.07	-0.05	0.11	-0.01	-0.05	-0.07	-0.03	0.02	0.02	0.04	0.00	0.11	0.13	0.13	0.13	0.10	0.08	0.03	-0.03	-0.07	-0.068
Sustainable Growth Rate	2.5%	5.1%	12.7%	17.5%	16.3%	10.2%	4.2%	2.3%	1.7%	3.3%	6.3%	9.4%	11.9%	16.8%	22.1%	23.6%	26.0%	21.4%	18.3%	14.5%	14.51%
Internal Growth Rate	1.0%	2.0%	5.1%	7.2%	6.7%	4.0%	1.6%	0.9%	0.6%	1.1%	2.2%	3.3%	4.2%	5.8%	7.8%	8.4%	9.3%	8.7%	7.3%	5.7%	5.75%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	4.00	3.78	1.76	1.29	1.38	1.78	3.39	3.20	3.95	3.99	2.85	2.54	2.42	2.05	1.82	1.74	1.71	1.54	1.44	1.93	1.927
FCF/OCF	-0.57	-0.12	0.50	-0.35	-0.59	-0.73	-0.63	-1.07	-0.76	-0.15	0.06	0.55	0.66	0.72	0.76	0.71	0.69	0.57	0.21	0.02	0.023
FCF/Net Income	snapshot only																				0.044
OCF/EBITDA	snapshot only																				0.734
CapEx/Revenue	17.9%	18.4%	6.9%	16.7%	19.0%	19.0%	17.4%	13.1%	10.7%	9.3%	8.1%	4.1%	3.5%	3.3%	3.1%	3.7%	4.1%	5.0%	7.1%	9.2%	9.25%
CapEx/Depreciation	snapshot only																				1.491
Accruals Ratio	-0.08	-0.09	-0.05	-0.02	-0.03	-0.04	-0.06	-0.04	-0.05	-0.06	-0.06	-0.06	-0.07	-0.06	-0.06	-0.06	-0.06	-0.04	-0.03	-0.05	-0.050
Sloan Accruals	snapshot only																				-0.069
Cash Flow Adequacy	snapshot only																				1.023
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	2.5%	2.3%	2.0%	1.8%	2.2%	2.8%	2.2%	2.0%	2.2%	1.7%	1.3%	0.4%	0.4%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.16	$0.16	$0.16	$0.16	$0.16	$0.15	$0.15	$0.15	$0.15	$0.15	$0.16	$0.07	$0.07	$0.02	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	58.8%	36.0%	18.4%	14.1%	14.9%	20.0%	37.7%	51.7%	60.0%	41.1%	30.7%	14.9%	12.2%	2.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	—	—	21.1%	—	—	—	—	—	—	—	1.8%	10.7%	7.6%	1.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	63.3%	38.9%	20.3%	15.8%	16.8%	22.5%	44.1%	57.3%	66.6%	45.7%	87.3%	62.3%	50.8%	30.0%	0.3%	0.0%	0.3%	0.0%	13.9%	17.5%	17.54%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—
Chowder Number	0.02	0.00	-0.01	-0.00	0.01	0.01	0.01	-0.01	-0.01	-0.00	0.21	-0.28	-0.28	-0.78	—	—	—	—	—	—	—
Buyback Yield	0.2%	0.2%	0.2%	0.2%	0.3%	0.3%	0.4%	0.2%	0.2%	0.2%	2.4%	1.3%	1.3%	1.3%	0.0%	0.0%	0.0%	0.0%	0.5%	0.4%	0.37%
Net Buyback Yield	0.2%	0.2%	0.2%	0.2%	0.3%	0.3%	0.4%	0.2%	0.2%	0.2%	2.4%	1.3%	1.3%	1.3%	0.0%	0.0%	0.0%	0.0%	0.5%	0.4%	0.37%
Total Shareholder Return	2.6%	2.5%	2.2%	2.0%	2.5%	3.1%	2.6%	2.2%	2.4%	1.9%	3.7%	1.7%	1.8%	1.4%	0.0%	0.0%	0.0%	0.0%	0.5%	0.4%	0.37%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.98	0.96	1.03	1.17	1.17	1.26	1.23	0.72	0.71	0.68	0.73	0.74	0.74	0.75	0.77	0.75	0.75	0.75	0.74	0.76	0.755
Interest Burden (EBT/EBIT)	1.04	1.01	0.99	0.97	0.95	0.90	0.82	0.75	0.71	0.78	0.83	0.90	0.93	0.93	0.93	0.92	0.94	0.95	0.96	0.97	0.972
EBIT Margin	0.03	0.04	0.08	0.08	0.08	0.05	0.03	0.04	0.03	0.04	0.05	0.05	0.06	0.08	0.10	0.11	0.11	0.11	0.09	0.07	0.067
Asset Turnover	0.88	0.70	0.76	0.81	0.85	0.79	0.81	0.93	1.03	0.94	1.02	1.06	1.09	0.99	1.02	1.05	1.09	1.06	1.09	1.11	1.106
Equity Multiplier	2.45	2.61	2.61	2.61	2.61	2.64	2.64	2.64	2.64	2.93	2.93	2.93	2.93	3.05	3.05	3.05	3.05	2.67	2.67	2.67	2.670

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.27	$0.44	$0.84	$1.11	$1.05	$0.75	$0.40	$0.28	$0.25	$0.35	$0.54	$0.44	$0.54	$0.76	$0.97	$1.04	$1.13	$1.13	$0.96	$0.77	$0.77
Book Value/Share	$5.34	$5.65	$5.62	$5.64	$5.67	$6.28	$6.26	$6.23	$6.32	$6.49	$6.04	$4.13	$4.11	$4.70	$4.70	$4.69	$4.68	$5.89	$5.89	$5.89	$6.20
Tangible Book/Share	$5.09	$5.40	$5.37	$5.39	$5.42	$5.38	$5.36	$5.33	$5.41	$5.13	$4.77	$3.26	$3.25	$3.85	$3.85	$3.85	$3.84	$5.07	$5.06	$5.07	$5.07
Revenue/Share	$9.50	$10.04	$10.84	$11.62	$12.20	$12.22	$12.60	$14.34	$16.08	$17.44	$17.68	$12.46	$12.86	$13.22	$13.71	$14.12	$14.55	$14.99	$15.34	$15.59	$15.86
FCF/Share	$-0.62	$-0.19	$0.74	$-0.50	$-0.86	$-0.98	$-0.84	$-0.97	$-0.74	$-0.22	$0.09	$0.62	$0.87	$1.11	$1.34	$1.28	$1.34	$0.99	$0.30	$0.03	$0.03
OCF/Share	$1.09	$1.65	$1.49	$1.44	$1.45	$1.34	$1.35	$0.91	$0.98	$1.41	$1.53	$1.13	$1.31	$1.55	$1.77	$1.80	$1.94	$1.75	$1.39	$1.48	$1.50
Cash/Share	$3.48	$4.01	$3.98	$4.00	$4.02	$2.78	$2.77	$2.76	$2.80	$4.35	$4.05	$2.77	$2.76	$2.92	$2.92	$2.92	$2.91	$3.04	$3.03	$3.03	$2.96
EBITDA/Share	$1.22	$1.34	$1.72	$1.92	$1.92	$1.62	$1.38	$1.63	$1.73	$1.99	$2.19	$1.56	$1.69	$2.02	$2.31	$2.46	$2.60	$2.49	$2.30	$2.01	$2.01
Debt/Share	$4.78	$5.93	$5.90	$5.92	$5.95	$6.12	$6.10	$6.07	$6.16	$10.04	$9.34	$6.38	$6.36	$5.32	$5.32	$5.32	$5.30	$5.00	$5.00	$5.00	$5.00
Net Debt/Share	$1.30	$1.93	$1.92	$1.92	$1.93	$3.34	$3.33	$3.31	$3.36	$5.69	$5.29	$3.62	$3.60	$2.40	$2.40	$2.40	$2.39	$1.97	$1.97	$1.97	$1.97

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.905
Altman Z-Prime	snapshot only																				5.250
Piotroski F-Score	6	7	7	7	6	6	5	5	5	6	7	8	8	7	7	7	7	7	5	5	5
Beneish M-Score	-2.25	-3.13	-2.90	-2.84	-2.86	-2.44	-2.55	-2.24	-2.31	-2.18	-2.22	-2.29	-2.38	-2.59	-2.58	-2.59	-2.58	-2.36	-2.30	-2.33	-2.332
Ohlson O-Score	snapshot only																				-6.348
ROIC (Greenblatt)	snapshot only																				11.66%
Net-Net WC	snapshot only																				$-4.51
EVA	snapshot only																				$-2121513.03

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A
Credit Score	53.85	52.06	56.88	52.87	52.92	48.76	37.76	39.14	35.24	32.29	34.77	45.86	48.81	56.92	68.23	72.03	71.44	75.01	70.41	72.40	72.404
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				0.378
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				64
Sector Credit Rank	snapshot only																				60

UTI NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet