AFYA LTD-CLASS A (AFYA) Fundamental Analysis & Valuation
NASDAQ:AFYA • KYG011251066
Current stock price
15.545 USD
+0.47 (+3.15%)
Last:
This AFYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. AFYA Profitability Analysis
1.1 Basic Checks
- AFYA had positive earnings in the past year.
- In the past year AFYA had a positive cash flow from operations.
- In the past 5 years AFYA has always been profitable.
- Each year in the past 5 years AFYA had a positive operating cash flow.
1.2 Ratios
- AFYA has a better Return On Assets (8.04%) than 77.78% of its industry peers.
- AFYA's Return On Equity of 15.51% is fine compared to the rest of the industry. AFYA outperforms 72.22% of its industry peers.
- AFYA has a Return On Invested Capital of 11.31%. This is amongst the best in the industry. AFYA outperforms 81.94% of its industry peers.
- AFYA had an Average Return On Invested Capital over the past 3 years of 10.33%. This is significantly below the industry average of 15.36%.
- The last Return On Invested Capital (11.31%) for AFYA is above the 3 year average (10.33%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.04% | ||
| ROE | 15.51% | ||
| ROIC | 11.31% |
ROA(3y)6.76%
ROA(5y)5.79%
ROE(3y)13.68%
ROE(5y)12.06%
ROIC(3y)10.33%
ROIC(5y)9.09%
1.3 Margins
- The Profit Margin of AFYA (20.35%) is better than 93.06% of its industry peers.
- AFYA's Profit Margin has declined in the last couple of years.
- AFYA has a Operating Margin of 32.81%. This is amongst the best in the industry. AFYA outperforms 97.22% of its industry peers.
- AFYA's Operating Margin has improved in the last couple of years.
- AFYA's Gross Margin of 64.46% is fine compared to the rest of the industry. AFYA outperforms 79.17% of its industry peers.
- In the last couple of years the Gross Margin of AFYA has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 32.81% | ||
| PM (TTM) | 20.35% | ||
| GM | 64.46% |
OM growth 3Y4.79%
OM growth 5Y1.64%
PM growth 3Y8.26%
PM growth 5Y-3.5%
GM growth 3Y0.72%
GM growth 5Y0.2%
2. AFYA Health Analysis
2.1 Basic Checks
- AFYA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- AFYA has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for AFYA has been increased compared to 5 years ago.
- The debt/assets ratio for AFYA has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.29 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- AFYA has a better Altman-Z score (2.29) than 65.28% of its industry peers.
- The Debt to FCF ratio of AFYA is 2.67, which is a good value as it means it would take AFYA, 2.67 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.67, AFYA is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
- A Debt/Equity ratio of 0.62 indicates that AFYA is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.62, AFYA is in line with its industry, outperforming 40.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 2.67 | ||
| Altman-Z | 2.29 |
ROIC/WACC1.11
WACC10.21%
2.3 Liquidity
- A Current Ratio of 2.20 indicates that AFYA has no problem at all paying its short term obligations.
- AFYA's Current ratio of 2.20 is fine compared to the rest of the industry. AFYA outperforms 77.78% of its industry peers.
- A Quick Ratio of 2.20 indicates that AFYA has no problem at all paying its short term obligations.
- The Quick ratio of AFYA (2.20) is better than 79.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 |
3. AFYA Growth Analysis
3.1 Past
- AFYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.87%, which is quite good.
- Measured over the past years, AFYA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.24% on average per year.
- Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 11.89% in the last year.
- Measured over the past years, AFYA shows a very strong growth in Revenue. The Revenue has been growing by 25.21% on average per year.
EPS 1Y (TTM)9.87%
EPS 3Y20.44%
EPS 5Y18.24%
EPS Q2Q%7.14%
Revenue 1Y (TTM)11.89%
Revenue growth 3Y16.65%
Revenue growth 5Y25.21%
Sales Q2Q%7.54%
3.2 Future
- Based on estimates for the next years, AFYA will show a small growth in Earnings Per Share. The EPS will grow by 5.26% on average per year.
- The Revenue is expected to grow by 7.47% on average over the next years.
EPS Next Y-4.06%
EPS Next 2Y5.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.79%
Revenue Next 2Y7.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. AFYA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.01, the valuation of AFYA can be described as reasonable.
- AFYA's Price/Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 83.33% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.86. AFYA is valued rather cheaply when compared to this.
- AFYA is valuated reasonably with a Price/Forward Earnings ratio of 8.36.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 93.06% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 37.39, AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.01 | ||
| Fwd PE | 8.36 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaper than 86.11% of the companies in the same industry.
- 95.83% of the companies in the same industry are more expensive than AFYA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.05 | ||
| EV/EBITDA | 5.57 |
4.3 Compensation for Growth
- The decent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.44
EPS Next 2Y5.26%
EPS Next 3YN/A
5. AFYA Dividend Analysis
5.1 Amount
- AFYA has a Yearly Dividend Yield of 4.31%, which is a nice return.
- Compared to an average industry Dividend Yield of 0.44, AFYA pays a better dividend. On top of this AFYA pays more dividend than 98.61% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, AFYA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
5.2 History
- AFYA does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y5.26%
EPS Next 3YN/A
AFYA Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:AFYA (4/13/2026, 3:17:46 PM)
15.545
+0.47 (+3.15%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)03-12 2026-03-12/amc
Earnings (Next)05-07 2026-05-07
Inst Owners20.19%
Inst Owner Change0%
Ins Owners9.45%
Ins Owner Change-29.2%
Market Cap1.40B
Revenue(TTM)3.70B
Net Income(TTM)752.46M
Analysts50.77
Price Target16.9 (8.72%)
Short Float %3.96%
Short Ratio5.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date03-25 2026-03-25 (0.656028)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.96%
Min EPS beat(2)14.79%
Max EPS beat(2)21.12%
EPS beat(4)4
Avg EPS beat(4)14.48%
Min EPS beat(4)7.76%
Max EPS beat(4)21.12%
EPS beat(8)7
Avg EPS beat(8)12.33%
EPS beat(12)8
Avg EPS beat(12)8.1%
EPS beat(16)10
Avg EPS beat(16)7.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.53%
Min Revenue beat(2)-3.22%
Max Revenue beat(2)-1.83%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-3.22%
Max Revenue beat(4)-0.92%
Revenue beat(8)0
Avg Revenue beat(8)-1.94%
Revenue beat(12)3
Avg Revenue beat(12)-1.01%
Revenue beat(16)4
Avg Revenue beat(16)-0.97%
PT rev (1m)-6.45%
PT rev (3m)-9.73%
EPS NQ rev (1m)-1.1%
EPS NQ rev (3m)-5.69%
EPS NY rev (1m)0.69%
EPS NY rev (3m)-6.03%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.01 | ||
| Fwd PE | 8.36 | ||
| P/S | 1.91 | ||
| P/FCF | 6.05 | ||
| P/OCF | 4.61 | ||
| P/B | 1.46 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.57 |
EPS(TTM)1.94
EY12.48%
EPS(NY)1.86
Fwd EY11.97%
FCF(TTM)2.57
FCFY16.54%
OCF(TTM)3.37
OCFY21.69%
SpS8.14
BVpS10.68
TBVpS-1.62
PEG (NY)N/A
PEG (5Y)0.44
Graham Number21.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.04% | ||
| ROE | 15.51% | ||
| ROCE | 14.32% | ||
| ROIC | 11.31% | ||
| ROICexc | 13.04% | ||
| ROICexgc | 54.44% | ||
| OM | 32.81% | ||
| PM (TTM) | 20.35% | ||
| GM | 64.46% | ||
| FCFM | 31.58% |
ROA(3y)6.76%
ROA(5y)5.79%
ROE(3y)13.68%
ROE(5y)12.06%
ROIC(3y)10.33%
ROIC(5y)9.09%
ROICexc(3y)11.65%
ROICexc(5y)10.42%
ROICexgc(3y)56.43%
ROICexgc(5y)49.66%
ROCE(3y)13.08%
ROCE(5y)11.51%
ROICexgc growth 3Y6.35%
ROICexgc growth 5Y2.12%
ROICexc growth 3Y8.94%
ROICexc growth 5Y7.5%
OM growth 3Y4.79%
OM growth 5Y1.64%
PM growth 3Y8.26%
PM growth 5Y-3.5%
GM growth 3Y0.72%
GM growth 5Y0.2%
F-Score8
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 2.67 | ||
| Debt/EBITDA | 1.89 | ||
| Cap/Depr | 97.5% | ||
| Cap/Sales | 9.85% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.54% | ||
| Profit Quality | 155.17% | ||
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 | ||
| Altman-Z | 2.29 |
F-Score8
WACC10.21%
ROIC/WACC1.11
Cap/Depr(3y)100.02%
Cap/Depr(5y)124.72%
Cap/Sales(3y)10.09%
Cap/Sales(5y)11.82%
Profit Quality(3y)175.49%
Profit Quality(5y)166.29%
High Growth Momentum
Growth
EPS 1Y (TTM)9.87%
EPS 3Y20.44%
EPS 5Y18.24%
EPS Q2Q%7.14%
EPS Next Y-4.06%
EPS Next 2Y5.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.89%
Revenue growth 3Y16.65%
Revenue growth 5Y25.21%
Sales Q2Q%7.54%
Revenue Next Year7.79%
Revenue Next 2Y7.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y19.83%
EBIT growth 3Y22.24%
EBIT growth 5Y27.27%
EBIT Next Year37.84%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.26%
FCF growth 3Y28.76%
FCF growth 5Y37.93%
OCF growth 1Y6.91%
OCF growth 3Y21.98%
OCF growth 5Y32.75%
AFYA LTD-CLASS A / AFYA Fundamental Analysis FAQ
What is the ChartMill fundamental rating of AFYA LTD-CLASS A (AFYA) stock?
ChartMill assigns a fundamental rating of 6 / 10 to AFYA.
Can you provide the valuation status for AFYA LTD-CLASS A?
ChartMill assigns a valuation rating of 8 / 10 to AFYA LTD-CLASS A (AFYA). This can be considered as Undervalued.
Can you provide the profitability details for AFYA LTD-CLASS A?
AFYA LTD-CLASS A (AFYA) has a profitability rating of 7 / 10.
What is the financial health of AFYA LTD-CLASS A (AFYA) stock?
The financial health rating of AFYA LTD-CLASS A (AFYA) is 6 / 10.
Can you provide the expected EPS growth for AFYA stock?
The Earnings per Share (EPS) of AFYA LTD-CLASS A (AFYA) is expected to decline by -4.06% in the next year.