14.71 USD
-0.49 (-3.22%)
We assign a fundamental rating of 6 out of 10 to AFYA. AFYA was compared to 77 industry peers in the Diversified Consumer Services industry. AFYA has an excellent profitability rating, but there are some minor concerns on its financial health. AFYA is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.94%, AFYA is in the better half of the industry, outperforming 75.32% of the companies in the same industry.
AFYA's Return On Equity of 15.37% is fine compared to the rest of the industry. AFYA outperforms 74.03% of its industry peers.
AFYA has a Return On Invested Capital of 12.76%. This is amongst the best in the industry. AFYA outperforms 87.01% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AFYA is in line with the industry average of 9.42%.
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 Rank | Sector 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%
1.3 Margins
With an excellent Profit Margin value of 20.08%, AFYA belongs to the best of the industry, outperforming 93.51% of the companies in the same industry.
In the last couple of years the Profit Margin of AFYA has declined.
AFYA's Operating Margin of 32.84% is amongst the best of the industry. AFYA outperforms 97.40% of its industry peers.
In the last couple of years the Operating Margin of AFYA has grown nicely.
AFYA has a better Gross Margin (64.98%) than 76.62% of its industry peers.
AFYA's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
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.
Compared to 1 year ago, AFYA has about the same amount of shares outstanding.
The number of shares outstanding for AFYA has been increased compared to 5 years ago.
AFYA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.21 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of AFYA (2.21) is better than 62.34% of its industry peers.
AFYA has a debt to FCF ratio of 2.43. This is a good value and a sign of high solvency as AFYA would need 2.43 years to pay back of all of its debts.
AFYA has a Debt to FCF ratio of 2.43. This is in the better half of the industry: AFYA outperforms 75.32% of its industry peers.
A Debt/Equity ratio of 0.42 indicates that AFYA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.42, AFYA is in line with its industry, outperforming 44.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.21 |
ROIC/WACC1.17
WACC10.94%
2.3 Liquidity
A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
AFYA's Current ratio of 0.98 is on the low side compared to the rest of the industry. AFYA is outperformed by 61.04% of its industry peers.
A Quick Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
AFYA's Quick ratio of 0.98 is in line compared to the rest of the industry. AFYA outperforms 41.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.08% over the past year.
AFYA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.00% yearly.
The Revenue has grown by 14.07% in the past year. This is quite good.
AFYA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.50% yearly.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
Based on estimates for the next years, AFYA will show a quite strong growth in Revenue. The Revenue will grow by 9.35% on average per year.
EPS Next Y1.45%
EPS Next 2Y6.82%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue Next Year12.31%
Revenue Next 2Y10.31%
Revenue Next 3Y9.35%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.08, the valuation of AFYA can be described as reasonable.
89.61% of the companies in the same industry are more expensive than AFYA, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.46. AFYA is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.68, the valuation of AFYA can be described as very cheap.
Based on the Price/Forward Earnings ratio, AFYA is valued cheaply inside the industry as 94.81% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.10. AFYA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.08 | ||
| Fwd PE | 7.68 |
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 83.12% of the companies listed in the same industry.
96.10% 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 | 5.98 | ||
| EV/EBITDA | 5.97 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AFYA does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)5.56
PEG (5Y)0.32
EPS Next 2Y6.82%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
AFYA has a Yearly Dividend Yield of 1.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.13, AFYA pays a better dividend. On top of this AFYA pays more dividend than 90.91% of the companies listed in the same industry.
AFYA's Dividend Yield is slightly below the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y6.82%
EPS Next 3Y8.1%
NASDAQ:AFYA (12/5/2025, 8:02:19 PM)
14.71
-0.49 (-3.22%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)
Earnings (Next)
Inst Owners19.8%
Inst Owner Change0.29%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.38B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target19.23 (30.73%)
Short Float %1.95%
Short Ratio2.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0%
PT rev (3m)-0.75%
EPS NQ rev (1m)-0.5%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0.8%
EPS NY rev (3m)-4.97%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.08 | ||
| Fwd PE | 7.68 | ||
| P/S | 2.02 | ||
| P/FCF | 5.98 | ||
| P/OCF | 4.69 | ||
| P/B | 1.54 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.97 |
EPS(TTM)1.82
EY12.37%
EPS(NY)1.92
Fwd EY13.03%
FCF(TTM)2.46
FCFY16.71%
OCF(TTM)3.14
OCFY21.34%
SpS7.3
BVpS9.53
TBVpS-1.66
PEG (NY)5.56
PEG (5Y)0.32
Graham Number19.76
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.21 |
F-Score7
WACC10.94%
ROIC/WACC1.17
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 Y1.45%
EPS Next 2Y6.82%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue 1Y (TTM)14.07%
Revenue growth 3Y24.33%
Revenue growth 5Y34.5%
Sales Q2Q%10.38%
Revenue Next Year12.31%
Revenue Next 2Y10.31%
Revenue Next 3Y9.35%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.42%
EBIT Next 3Y22.67%
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.
What is the valuation status of AFYA LTD-CLASS A (AFYA) stock?
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.
What is the financial health of AFYA LTD-CLASS A (AFYA) stock?
The financial health rating of AFYA LTD-CLASS A (AFYA) is 4 / 10.