AFYA LTD-CLASS A (AFYA) Fundamental Analysis & Valuation

NASDAQ:AFYA • KYG011251066

13.86 USD
+0.05 (+0.36%)
Last: Mar 6, 2026, 08:00 PM
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This AFYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

Taking everything into account, AFYA scores 6 out of 10 in our fundamental rating. AFYA was compared to 75 industry peers in the Diversified Consumer Services industry. AFYA has an excellent profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFYA.


Dividend Valuation Growth Profitability Health

8

1. AFYA Profitability Analysis

1.1 Basic Checks

  • AFYA had positive earnings in the past year.
  • AFYA had a positive operating cash flow in the past year.
  • Each year in the past 5 years AFYA has been profitable.
  • AFYA had a positive operating cash flow in each of the past 5 years.
AFYA Yearly Net Income VS EBIT VS OCF VS FCFAFYA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • AFYA has a better Return On Assets (7.94%) than 76.00% of its industry peers.
  • With a decent Return On Equity value of 15.37%, AFYA is doing good in the industry, outperforming 72.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 12.76%, AFYA belongs to the top of the industry, outperforming 81.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AFYA is in line with the industry average of 11.21%.
  • The last Return On Invested Capital (12.76%) for AFYA is above the 3 year average (9.34%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 7.94%
ROE 15.37%
ROIC 12.76%
ROA(3y)5.81%
ROA(5y)5.4%
ROE(3y)12.4%
ROE(5y)11.05%
ROIC(3y)9.34%
ROIC(5y)8.2%
AFYA Yearly ROA, ROE, ROICAFYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80 100

1.3 Margins

  • AFYA has a better Profit Margin (20.08%) than 94.67% of its industry peers.
  • AFYA's Profit Margin has declined in the last couple of years.
  • AFYA's Operating Margin of 32.84% is amongst the best of the industry. AFYA outperforms 98.67% of its industry peers.
  • AFYA's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 64.98%, AFYA belongs to the top of the industry, outperforming 81.33% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AFYA has remained more or less at the same level.
Industry RankSector Rank
OM 32.84%
PM (TTM) 20.08%
GM 64.98%
OM growth 3Y6.1%
OM growth 5Y2.29%
PM growth 3Y13.74%
PM growth 5Y-3.65%
GM growth 3Y0.61%
GM growth 5Y1.44%
AFYA Yearly Profit, Operating, Gross MarginsAFYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

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.
  • The number of shares outstanding for AFYA remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, AFYA has more shares outstanding
  • The debt/assets ratio for AFYA is higher compared to a year ago.
AFYA Yearly Shares OutstandingAFYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
AFYA Yearly Total Debt VS Total AssetsAFYA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • An Altman-Z score of 2.14 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of AFYA (2.14) is better than 64.00% of its industry peers.
  • The Debt to FCF ratio of AFYA is 2.43, which is a good value as it means it would take AFYA, 2.43 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 2.43, AFYA is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.42 indicates that AFYA is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.42, AFYA perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 2.43
Altman-Z 2.14
ROIC/WACC1.23
WACC10.35%
AFYA Yearly LT Debt VS Equity VS FCFAFYA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
  • AFYA has a Current ratio of 0.98. This is comparable to the rest of the industry: AFYA outperforms 42.67% of its industry peers.
  • AFYA has a Quick Ratio of 0.98. This is a bad value and indicates that AFYA is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of AFYA (0.98) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
AFYA Yearly Current Assets VS Current LiabilitesAFYA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AFYA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.08% over the past year.
  • The Earnings Per Share has been growing by 25.00% on average over the past years. This is a very strong growth
  • Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 14.07% in the last year.
  • The Revenue has been growing by 34.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)12.08%
EPS 3Y30.22%
EPS 5Y25%
EPS Q2Q%16.2%
Revenue 1Y (TTM)14.07%
Revenue growth 3Y24.33%
Revenue growth 5Y34.5%
Sales Q2Q%10.38%

3.2 Future

  • AFYA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.49% yearly.
  • The Revenue is expected to grow by 9.28% on average over the next years. This is quite good.
EPS Next Y1.6%
EPS Next 2Y4.41%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year12.37%
Revenue Next 2Y10.08%
Revenue Next 3Y9.28%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AFYA Yearly Revenue VS EstimatesAFYA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
AFYA Yearly EPS VS EstimatesAFYA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. AFYA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.53 indicates a rather cheap valuation of AFYA.
  • AFYA's Price/Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 88.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, AFYA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.48 indicates a rather cheap valuation of AFYA.
  • Based on the Price/Forward Earnings ratio, AFYA is valued cheaper than 93.33% of the companies in the same industry.
  • AFYA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 7.53
Fwd PE 7.48
AFYA Price Earnings VS Forward Price EarningsAFYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 82.67% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 96.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.57
EV/EBITDA 5.63
AFYA Per share dataAFYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The excellent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)4.72
PEG (5Y)0.3
EPS Next 2Y4.41%
EPS Next 3Y7.49%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. AFYA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.71%, AFYA has a reasonable but not impressive dividend return.
  • AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.39. AFYA pays more dividend than 90.67% of the companies in the same industry.
  • AFYA's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.71%

5.2 History

  • AFYA is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AFYA Yearly Dividends per shareAFYA Yearly Dividends per shareYearly Dividends per share 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

DPN/A
EPS Next 2Y4.41%
EPS Next 3Y7.49%
AFYA Yearly Income VS Free CF VS DividendAFYA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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AFYA Fundamentals: All Metrics, Ratios and Statistics

AFYA LTD-CLASS A

NASDAQ:AFYA (3/6/2026, 8:00:00 PM)

13.86

+0.05 (+0.36%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)11-12
Earnings (Next)03-27
Inst Owners19.83%
Inst Owner Change4.34%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.30B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts74.29
Price Target18.07 (30.38%)
Short Float %3.06%
Short Ratio4.18
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.27%
Min EPS beat(2)7.76%
Max EPS beat(2)14.79%
EPS beat(4)4
Avg EPS beat(4)14.57%
Min EPS beat(4)7.76%
Max EPS beat(4)21.5%
EPS beat(8)7
Avg EPS beat(8)11.36%
EPS beat(12)7
Avg EPS beat(12)6.24%
EPS beat(16)10
Avg EPS beat(16)7.31%
Revenue beat(2)0
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-3.1%
Max Revenue beat(2)-1.83%
Revenue beat(4)0
Avg Revenue beat(4)-1.98%
Min Revenue beat(4)-3.1%
Max Revenue beat(4)-0.92%
Revenue beat(8)1
Avg Revenue beat(8)-1.29%
Revenue beat(12)3
Avg Revenue beat(12)-1.21%
Revenue beat(16)4
Avg Revenue beat(16)-0.95%
PT rev (1m)-2.75%
PT rev (3m)-6.06%
EPS NQ rev (1m)-2.49%
EPS NQ rev (3m)-8.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.03%
Valuation
Industry RankSector Rank
PE 7.53
Fwd PE 7.48
P/S 1.88
P/FCF 5.57
P/OCF 4.36
P/B 1.44
P/tB N/A
EV/EBITDA 5.63
EPS(TTM)1.84
EY13.28%
EPS(NY)1.85
Fwd EY13.37%
FCF(TTM)2.49
FCFY17.95%
OCF(TTM)3.18
OCFY22.92%
SpS7.39
BVpS9.65
TBVpS-1.68
PEG (NY)4.72
PEG (5Y)0.3
Graham Number19.99
Profitability
Industry RankSector Rank
ROA 7.94%
ROE 15.37%
ROCE 16.15%
ROIC 12.76%
ROICexc 14.75%
ROICexgc 115.61%
OM 32.84%
PM (TTM) 20.08%
GM 64.98%
FCFM 33.68%
ROA(3y)5.81%
ROA(5y)5.4%
ROE(3y)12.4%
ROE(5y)11.05%
ROIC(3y)9.34%
ROIC(5y)8.2%
ROICexc(3y)10.67%
ROICexc(5y)9.63%
ROICexgc(3y)53.37%
ROICexgc(5y)48.58%
ROCE(3y)11.82%
ROCE(5y)10.37%
ROICexgc growth 3Y23.68%
ROICexgc growth 5Y4.99%
ROICexc growth 3Y18.62%
ROICexc growth 5Y3.52%
OM growth 3Y6.1%
OM growth 5Y2.29%
PM growth 3Y13.74%
PM growth 5Y-3.65%
GM growth 3Y0.61%
GM growth 5Y1.44%
F-Score7
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 2.43
Debt/EBITDA 1.29
Cap/Depr 92.89%
Cap/Sales 9.33%
Interest Coverage 250
Cash Conversion 100.29%
Profit Quality 167.73%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 2.14
F-Score7
WACC10.35%
ROIC/WACC1.23
Cap/Depr(3y)115.53%
Cap/Depr(5y)130.54%
Cap/Sales(3y)11.06%
Cap/Sales(5y)12.14%
Profit Quality(3y)172.56%
Profit Quality(5y)151.27%
High Growth Momentum
Growth
EPS 1Y (TTM)12.08%
EPS 3Y30.22%
EPS 5Y25%
EPS Q2Q%16.2%
EPS Next Y1.6%
EPS Next 2Y4.41%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue 1Y (TTM)14.07%
Revenue growth 3Y24.33%
Revenue growth 5Y34.5%
Sales Q2Q%10.38%
Revenue Next Year12.37%
Revenue Next 2Y10.08%
Revenue Next 3Y9.28%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.8%
EBIT Next 3Y21.93%
EBIT Next 5YN/A
FCF growth 1Y61.18%
FCF growth 3Y43.21%
FCF growth 5Y42.42%
OCF growth 1Y52.58%
OCF growth 3Y31.44%
OCF growth 5Y36.78%

AFYA LTD-CLASS A / AFYA 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.


How profitable is AFYA LTD-CLASS A (AFYA) stock?

AFYA LTD-CLASS A (AFYA) has a profitability rating of 8 / 10.


Can you provide the financial health for AFYA stock?

The financial health rating of AFYA LTD-CLASS A (AFYA) is 4 / 10.