UTI · CIK 0001261654 · FY2025 live · 2025-09-30
UNIVERSAL TECHNICAL INSTITUTE INC
View as
Model
Z″
FY2025
1.91
Zone
Grey
Prior
—
Market DD
—
1y PD
—
Meridian Rank
57.55
0–100 · Z″ tape · not a PD
Book standing
60
Year change
—
Market PD
—
O-score
51
Events on this name
Same published rows as Today. Not a live recompute.
No published events on this print.
1.91
Classic Z 1.94
Z″ 1.91 · distress below 1.10, grey to 2.60, safe above.
Z″ factor contributions
X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.026.56 × = 0.13X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.123.26 × = 0.40X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.106.72 × = 0.68X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
0.661.05 × = 0.69
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.
Overview
rule-v1
UNIVERSAL TECHNICAL INSTITUTE INC is on Z″ at 1.91 (grey) for FY2025, from an SEC 10-K. Book equity / liabilities is the line that sets the print; EBIT / assets is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.
Book screen Grey; market PD —. Tape not priced — not a single default call.
Market DD · naive Merton
No market tape yet.
Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.
Sector peers
Closest Z″ scores · 73rd percentile in Unclassified.
- LINCGreyLINCOLN EDUCATIONAL SERVICES CORP1.60
- FEDUGreyFour Seasons Education (Cayman) Inc.2.22
- GAINGreyGLADSTONE INVESTMENT CORPORATIONDE1.52
- CRAIGreyCRA INTERNATIONAL, INC.2.29
- MAINGreyMain Street Capital CORP1.48
- OTFGreyBlue Owl Technology Finance Corp.1.37
- FDUSGreyFIDUS INVESTMENT Corp1.37
- YOULGreyYoulife Group Inc.2.59
KPI widgets
Current assets
$247M
Total assets
$826M
Current liabilities
$230M
Total liabilities
$498M
Working capital
$17M
Retained earnings
$102M
EBIT
$83M
Total sales
$836M
Book equity
$328M
Accession 0001261654-25-000025. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-09-30). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.