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Universal Technical InstituteUTI -2.67%85 Debt-to-EBITDA is 4.23 as of Jun. 2026, which is 39% above its 10-year median of 3.04. GuruFocus rates UTI with a GF Score™ of 85/100 and a GF Value™ of $28.48 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 189 Education companies, Universal Technical Institute ranks worse than 68.25% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Universal Technical Institute's Debt-to-EBITDA or its related term are showing as below:
UTI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -130.34 Med: 3.04 Max: 4.75
Current: 3.21
During the past 13 years, the highest Debt-to-EBITDA Ratio of Universal Technical Institute was 4.75. The lowest was -130.34. And the median was 3.04.
UTI's Debt-to-EBITDA is ranked worse than 68.25% of 189
companies
in the Education industry
Industry Median: 1.47
vs UTI: 3.21
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Universal Technical Institute Debt-to-EBITDA Related Terms
Universal Technical Institute Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Universal Technical Institute Debt-to-EBITDA Chart
For the Education & Training Services subindustry, Universal Technical Institute's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Universal Technical Institute Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, Universal Technical Institute's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Universal Technical Institute's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Universal Technical Institute (UTI) has a Debt-to-EBITDA of 4.23 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Universal Technical Institute. This is 39% above median its historical median of 3.04. According to the industry distribution chart, Universal Technical Institute ranks #129 out of 189 companies in the Education industry, placing it in the top 68.3%.
Is Universal Technical Institute's Debt-to-EBITDA too high?
Universal Technical Institute's current Debt-to-EBITDA of 4.23 is 39% above median its 10-year median of 3.04. The Education industry median Debt-to-EBITDA is 1.47. Universal Technical Institute's value of 4.23 is 187.8% above this industry median. Based on the distribution chart, Universal Technical Institute ranks #129 out of 189 companies in the Education industry, which is below the industry midpoint. Overall, Universal Technical Institute has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Universal Technical Institute's Debt-to-EBITDA compare to PRDO and MH?
According to the Education industry distribution chart, Universal Technical Institute ranks #129 out of 189 companies for Debt-to-EBITDA. This places Universal Technical Institute in the lower half of its industry. The industry median Debt-to-EBITDA is 1.47. Universal Technical Institute's value of 4.23 is 187.8% above this benchmark. While the company's 10-year median is 3.04 vs. the industry median of 1.47, Universal Technical Institute has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Education company?
The median Debt-to-EBITDA among Education companies is 1.47, based on 189 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Technical Institute's current Debt-to-EBITDA of 4.23 is 187.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Universal Technical Institute. For the Education industry, the median Debt-to-EBITDA is 1.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Technical Institute's current Debt-to-EBITDA is 4.23, which is 39% above median its own 10-year median of 3.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Technical Institute stock overvalued right now?
Based on GuruFocus' analysis, Universal Technical Institute (UTI) is currently considered Modestly Undervalued. The stock's GF Value™ is $28.48, compared to a current price of $25.15 — trading 11.7% below its estimated fair value. The current Debt-to-EBITDA is 4.23, which is 39% above median its 10-year median of 3.04 and 187.8% above the Education industry median of 1.47. Universal Technical Institute's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Universal Technical Institute (UTI), the current Debt-to-EBITDA is 4.23 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Universal Technical Institute (UTI) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Technical Institute stock appears to be undervalued.
The current stock price of $25.15 is trading 11.7% below its estimated GF Value™ of $28.48.
GuruFocus considers Universal Technical Institute to be Modestly Undervalued.
Key valuation signals for UTI:
Debt-to-EBITDA: 4.23 (39% above median its 10-year median of 3.04)
GF Value™: $28.48 vs. price of $25.15 (11.7% below fair value)
Industry Position: 187.8% above the Education median (#129 of 189)
No single metric tells the full story. See the UTI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universal Technical Institute Inc is an educational institution. It provides undergraduate degree, as well as certificate programs for technicians in the automotive, diesel, collision repair, motorcycle and marine fields. The company's reportable segment which includes Universal Technical Institute (UTI) and Concorde Career Colleges, Corporate. Majority of the revenue is generated from UTI segment which provides different kinds of degree and non-degree transportation and skilled trades technical training programs under brands such as Universal Technical Institute, Motorcycle Mechanics Institute, Marine Mechanics Institute and others. It also provides dealer technician training or instructor staffing services to manufacturers.
85GF Score
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