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Side-by-side financial comparison of Skyward Specialty Insurance Group, Inc. (SKWD) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Skyward Specialty Insurance Group, Inc. is the larger business by last-quarter revenue ($385.6M vs $220.8M, roughly 1.7× UNIVERSAL TECHNICAL INSTITUTE INC). Skyward Specialty Insurance Group, Inc. runs the higher net margin — 11.2% vs 5.8%, a 5.4% gap on every dollar of revenue. On growth, Skyward Specialty Insurance Group, Inc. posted the faster year-over-year revenue change (26.7% vs 9.6%). Skyward Specialty Insurance Group, Inc. produced more free cash flow last quarter ($402.6M vs $-19.2M). Over the past eight quarters, Skyward Specialty Insurance Group, Inc.'s revenue compounded faster (20.6% CAGR vs 9.5%).
Skyward Specialty Insurance Group, Inc. is a specialty property and casualty insurance provider offering tailored coverage solutions including commercial auto, general liability, professional indemnity, and specialty property policies. It primarily serves small-to-medium enterprises and niche industry segments across the United States, focusing on underwriting complex, hard-to-place risks for underserved client groups.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
SKWD vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $385.6M | $220.8M |
| Net Profit | $43.2M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 14.2% | 7.1% |
| Net Margin | 11.2% | 5.8% |
| Revenue YoY | 26.7% | 9.6% |
| Net Profit YoY | 200.1% | -42.1% |
| EPS (diluted) | $1.03 | $0.23 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $385.6M | $220.8M | ||
| Q3 25 | $382.5M | $222.4M | ||
| Q2 25 | $319.9M | $204.3M | ||
| Q1 25 | $328.5M | $207.4M | ||
| Q4 24 | $304.4M | $201.4M | ||
| Q3 24 | $300.9M | $196.4M | ||
| Q2 24 | $279.9M | $177.5M | ||
| Q1 24 | $265.0M | $184.2M |
| Q4 25 | $43.2M | $12.8M | ||
| Q3 25 | $45.9M | $18.8M | ||
| Q2 25 | $38.8M | $10.7M | ||
| Q1 25 | $42.1M | $11.4M | ||
| Q4 24 | $14.4M | $22.2M | ||
| Q3 24 | $36.7M | $18.8M | ||
| Q2 24 | $31.0M | $5.0M | ||
| Q1 24 | $36.8M | $7.8M |
| Q4 25 | 14.2% | 7.1% | ||
| Q3 25 | 15.8% | 11.2% | ||
| Q2 25 | 15.6% | 6.9% | ||
| Q1 25 | 15.7% | 8.1% | ||
| Q4 24 | 6.1% | 13.6% | ||
| Q3 24 | 15.6% | 13.3% | ||
| Q2 24 | 14.4% | 4.2% | ||
| Q1 24 | 17.7% | 6.1% |
| Q4 25 | 11.2% | 5.8% | ||
| Q3 25 | 12.0% | 8.4% | ||
| Q2 25 | 12.1% | 5.2% | ||
| Q1 25 | 12.8% | 5.5% | ||
| Q4 24 | 4.7% | 11.0% | ||
| Q3 24 | 12.2% | 9.6% | ||
| Q2 24 | 11.1% | 2.8% | ||
| Q1 24 | 13.9% | 4.2% |
| Q4 25 | $1.03 | $0.23 | ||
| Q3 25 | $1.10 | $0.33 | ||
| Q2 25 | $0.93 | $0.19 | ||
| Q1 25 | $1.01 | $0.21 | ||
| Q4 24 | $0.33 | $0.40 | ||
| Q3 24 | $0.89 | $0.35 | ||
| Q2 24 | $0.75 | $0.09 | ||
| Q1 24 | $0.90 | $0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $168.5M | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $1.0B | $335.9M |
| Total Assets | $4.8B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $168.5M | $162.8M | ||
| Q3 25 | $160.1M | $169.1M | ||
| Q2 25 | $136.6M | $70.7M | ||
| Q1 25 | $112.9M | $96.0M | ||
| Q4 24 | $121.6M | $172.0M | ||
| Q3 24 | $105.6M | $161.9M | ||
| Q2 24 | $73.0M | $115.5M | ||
| Q1 24 | $85.1M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $1.0B | $335.9M | ||
| Q3 25 | $961.4M | $328.1M | ||
| Q2 25 | $899.9M | $306.8M | ||
| Q1 25 | $850.7M | $293.9M | ||
| Q4 24 | $794.0M | $280.0M | ||
| Q3 24 | $797.5M | $260.2M | ||
| Q2 24 | $723.6M | $239.4M | ||
| Q1 24 | $692.3M | $232.6M |
| Q4 25 | $4.8B | $834.0M | ||
| Q3 25 | $4.6B | $826.1M | ||
| Q2 25 | $4.3B | $740.8M | ||
| Q1 25 | $4.0B | $720.4M | ||
| Q4 24 | $3.7B | $753.8M | ||
| Q3 24 | $3.6B | $744.6M | ||
| Q2 24 | $3.4B | $706.0M | ||
| Q1 24 | $3.2B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $408.1M | $3.1M |
| Free Cash FlowOCF − Capex | $402.6M | $-19.2M |
| FCF MarginFCF / Revenue | 104.4% | -8.7% |
| Capex IntensityCapex / Revenue | 1.4% | 10.1% |
| Cash ConversionOCF / Net Profit | 9.44× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $755.2M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $408.1M | $3.1M | ||
| Q3 25 | $171.4M | $57.1M | ||
| Q2 25 | $88.2M | $18.1M | ||
| Q1 25 | $96.8M | $-789.0K | ||
| Q4 24 | $305.1M | $23.0M | ||
| Q3 24 | $168.0M | $67.5M | ||
| Q2 24 | $21.0M | $10.0M | ||
| Q1 24 | $94.3M | $-2.5M |
| Q4 25 | $402.6M | $-19.2M | ||
| Q3 25 | $168.9M | $40.6M | ||
| Q2 25 | $87.1M | $6.8M | ||
| Q1 25 | $96.6M | $-11.7M | ||
| Q4 24 | $300.9M | $19.6M | ||
| Q3 24 | $167.6M | $60.0M | ||
| Q2 24 | $18.4M | $3.0M | ||
| Q1 24 | $94.0M | $-8.4M |
| Q4 25 | 104.4% | -8.7% | ||
| Q3 25 | 44.2% | 18.3% | ||
| Q2 25 | 27.2% | 3.4% | ||
| Q1 25 | 29.4% | -5.7% | ||
| Q4 24 | 98.8% | 9.7% | ||
| Q3 24 | 55.7% | 30.6% | ||
| Q2 24 | 6.6% | 1.7% | ||
| Q1 24 | 35.5% | -4.6% |
| Q4 25 | 1.4% | 10.1% | ||
| Q3 25 | 0.6% | 7.4% | ||
| Q2 25 | 0.3% | 5.5% | ||
| Q1 25 | 0.1% | 5.3% | ||
| Q4 24 | 1.4% | 1.7% | ||
| Q3 24 | 0.1% | 3.8% | ||
| Q2 24 | 0.9% | 4.0% | ||
| Q1 24 | 0.1% | 3.2% |
| Q4 25 | 9.44× | 0.24× | ||
| Q3 25 | 3.73× | 3.04× | ||
| Q2 25 | 2.27× | 1.69× | ||
| Q1 25 | 2.30× | -0.07× | ||
| Q4 24 | 21.18× | 1.04× | ||
| Q3 24 | 4.58× | 3.58× | ||
| Q2 24 | 0.68× | 2.01× | ||
| Q1 24 | 2.56× | -0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SKWD
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
