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

NASDAQ:AFYA • KYG011251066

Current stock price

14.75 USD
-0.19 (-1.27%)
At close:
14.75 USD
0 (0%)
After Hours:

This AFYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. AFYA Profitability Analysis

1.1 Basic Checks

  • In the past year AFYA was profitable.
  • AFYA had a positive operating cash flow in the past year.
  • Each year in the past 5 years AFYA has been profitable.
  • Each year in the past 5 years AFYA had a positive operating cash flow.
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 2025 500M 1B 1.5B

1.2 Ratios

  • The Return On Assets of AFYA (8.04%) is better than 78.08% of its industry peers.
  • With a decent Return On Equity value of 15.51%, AFYA is doing good in the industry, outperforming 72.60% of the companies in the same industry.
  • AFYA's Return On Invested Capital of 11.31% is amongst the best of the industry. AFYA outperforms 82.19% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for AFYA is below the industry average of 15.17%.
  • 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 RankSector 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%
AFYA Yearly ROA, ROE, ROICAFYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

1.3 Margins

  • AFYA's Profit Margin of 20.35% is amongst the best of the industry. AFYA outperforms 94.52% of its industry peers.
  • In the last couple of years the Profit Margin of AFYA has declined.
  • Looking at the Operating Margin, with a value of 32.81%, AFYA belongs to the top of the industry, outperforming 98.63% of the companies in the same industry.
  • AFYA's Operating Margin has improved in the last couple of years.
  • AFYA has a better Gross Margin (64.46%) than 79.45% 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 RankSector 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%
AFYA Yearly Profit, Operating, Gross MarginsAFYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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7

2. AFYA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so AFYA is still creating some value.
  • The number of shares outstanding for AFYA remains at a similar level compared to 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.
AFYA Yearly Shares OutstandingAFYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • AFYA has an Altman-Z score of 2.35. This is not the best score and indicates that AFYA is in the grey zone with still only limited risk for bankruptcy at the moment.
  • The Altman-Z score of AFYA (2.35) is better than 65.75% of its industry peers.
  • AFYA has a debt to FCF ratio of 2.67. This is a good value and a sign of high solvency as AFYA would need 2.67 years to pay back of all of its debts.
  • The Debt to FCF ratio of AFYA (2.67) is better than 80.82% of its industry peers.
  • 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 42.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 2.67
Altman-Z 2.35
ROIC/WACC1.1
WACC10.3%
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 2025 1B 2B 3B 4B

2.3 Liquidity

  • AFYA has a Current Ratio of 2.20. This indicates that AFYA is financially healthy and has no problem in meeting its short term obligations.
  • AFYA has a Current ratio of 2.20. This is in the better half of the industry: AFYA outperforms 78.08% of its industry peers.
  • AFYA has a Quick Ratio of 2.20. This indicates that AFYA is financially healthy and has no problem in meeting its short term obligations.
  • AFYA has a better Quick ratio (2.20) than 79.45% of its industry peers.
Industry RankSector Rank
Current Ratio 2.2
Quick Ratio 2.2
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 2025 500M 1B 1.5B

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

5

3. AFYA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.87% over the past year.
  • 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.
  • The Revenue has grown by 11.89% in the past year. This is quite good.
  • 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

  • The Earnings Per Share is expected to grow by 4.70% on average over the next years.
  • The Revenue is expected to grow by 7.52% on average over the next years.
EPS Next Y-4.72%
EPS Next 2Y4.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.47%
Revenue Next 2Y7.52%
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.
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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Find the best growth stocksShow best growing peers

8

4. AFYA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.93, the valuation of AFYA can be described as very cheap.
  • Based on the Price/Earnings ratio, AFYA is valued cheaply inside the industry as 87.67% of the companies are valued more expensively.
  • AFYA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.89.
  • AFYA is valuated reasonably with a Price/Forward Earnings ratio of 8.30.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 91.78% of the companies listed 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 22.19.
Industry RankSector Rank
PE 7.93
Fwd PE 8.3
AFYA Price Earnings VS Forward Price EarningsAFYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaper than 86.30% of the companies in the same industry.
  • 95.89% of the companies in the same industry are more expensive than AFYA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.22
EV/EBITDA 5.84
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

  • AFYA has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y4.7%
EPS Next 3YN/A

More info and screens

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

4

5. AFYA Dividend Analysis

5.1 Amount

  • AFYA has a Yearly Dividend Yield of 4.39%, 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 98.63% of the companies listed in the same industry.
  • AFYA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.39%

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 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 2Y4.7%
EPS Next 3YN/A
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 2025 200M 400M 600M 800M 1B

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AFYA Fundamentals: All Metrics, Ratios and Statistics

AFYA LTD-CLASS A

NASDAQ:AFYA (3/27/2026, 8:00:00 PM)

After market: 14.75 0 (0%)

14.75

-0.19 (-1.27%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners20.63%
Inst Owner Change4.34%
Ins Owners9.76%
Ins Owner Change-0.99%
Market Cap1.38B
Revenue(TTM)3.70B
Net Income(TTM)752.46M
Analysts52.31
Price Target16.9 (14.58%)
Short Float %3.58%
Short Ratio4.9
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
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)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)-3.97%
EPS NY rev (3m)-6.68%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-0.42%
Valuation
Industry RankSector Rank
PE 7.93
Fwd PE 8.3
P/S 1.97
P/FCF 6.22
P/OCF 4.74
P/B 1.5
P/tB N/A
EV/EBITDA 5.84
EPS(TTM)1.86
EY12.61%
EPS(NY)1.78
Fwd EY12.04%
FCF(TTM)2.37
FCFY16.07%
OCF(TTM)3.11
OCFY21.08%
SpS7.51
BVpS9.85
TBVpS-1.49
PEG (NY)N/A
PEG (5Y)0.43
Graham Number20.3
Profitability
Industry RankSector 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 RankSector 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 2.35
F-Score8
WACC10.3%
ROIC/WACC1.1
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-4.72%
EPS Next 2Y4.7%
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 Year7.47%
Revenue Next 2Y7.52%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y19.83%
EBIT growth 3Y22.24%
EBIT growth 5Y27.27%
EBIT Next Year39.18%
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 7 / 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 7 / 10.


Can you provide the financial health for AFYA stock?

The financial health rating of AFYA LTD-CLASS A (AFYA) is 7 / 10.