Tax-loss harvesting alternatives for UTI

Among the 8 Education Services peers screened, PRDO (Perdoceo Education Corp.) has tracked UTI most closely over the past year, with a return correlation of 0.50. The strongest fund stand-in is PEJ (Invesco Leisure & Entertainment) at 0.24 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
PRDO	Perdoceo Education Corp.	Education Services	0.50	0.39	0.35	0.27
STRA	Strategic Education, Inc.	Education Services	0.45	0.37	0.30	0.26
CVSA	Covista Inc.	Education Services	0.45	0.43	0.32	0.28
LOPE	Grand Canyon Education	Education Services	0.40	0.30	0.26	0.24
LAUR	Laureate Education, Inc.	Education Services	0.36	0.30	0.21	0.23
GHC	Graham Holdings	Education Services	0.23	0.29	0.29	0.28
LRN	Stride, Inc.	Education Services	0.22	0.22	0.20	0.12
DUOL	Duolingo	Education Services	0.15	0.19	0.19	—

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
PEJ	Invesco Leisure & Entertainment	Leisure & Entertainment	INDUSTRY	0.24	0.29	0.30	0.33
XRT	SPDR S&P Retail ETF	Retail	INDUSTRY	0.21	0.21	0.28	0.27
DRIV	Global X Autonomous & EV ETF	Autonomous & EV	INDUSTRY	0.17	0.21	0.25	0.28
FDIS	Fidelity MSCI Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.16	0.25	0.28	0.28
ITB	iShares US Home Construction	Homebuilders	SUB-IND	0.15	0.17	0.22	0.25
IYC	iShares US Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.15	0.24	0.28	0.29
VCR	Vanguard Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.15	0.24	0.28	0.28
XHB	SPDR S&P Homebuilders ETF	Homebuilders	SUB-IND	0.15	0.18	0.25	0.27
BETZ	Roundhill Sports Betting iGaming	Sports Betting	SUB-IND	0.14	0.21	0.26	0.24
CARZ	First Trust S-Network EV & FV	Autos & EVs	INDUSTRY	0.14	0.21	0.24	0.26
XLY	Consumer Discretionary SPDR	Cons Discretionary Sector	SECTOR	0.12	0.22	0.27	0.27
RTH	VanEck Retail ETF	Retail	INDUSTRY	0.11	0.19	0.24	0.24

NEXT STEPS

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Replacement research for UTI's peers

PRDO STRA CVSA LOPE LAUR GHC LRN DUOL

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.