13.93 USD
-0.46 (-3.2%)
13.93 USD
0 (0%)
Overall AFYA gets a fundamental rating of 6 out of 10. We evaluated AFYA against 76 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.
- 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
- With a decent Return On Assets value of 7.94%, AFYA is doing good in the industry, outperforming 73.68% of the companies in the same industry.
- AFYA has a better Return On Equity (15.37%) than 71.05% of its industry peers.
- AFYA's Return On Invested Capital of 12.76% is amongst the best of the industry. AFYA outperforms 86.84% of its industry peers.
- AFYA had an Average Return On Invested Capital over the past 3 years of 9.34%. This is in line with the industry average of 10.30%.
- The 3 year average ROIC (9.34%) for AFYA is below the current ROIC(12.76%), indicating increased profibility in the last year.
| 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
- The Profit Margin of AFYA (20.08%) is better than 90.79% of its industry peers.
- 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 97.37% of its industry peers.
- AFYA's Operating Margin has improved in the last couple of years.
- AFYA's Gross Margin of 64.98% is fine compared to the rest of the industry. AFYA outperforms 78.95% 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 | 32.84% | ||
| 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so AFYA is still 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 2.17 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.17, AFYA is in the better half of the industry, outperforming 64.47% of the companies in the same industry.
- 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.
- AFYA's Debt to FCF ratio of 2.43 is fine compared to the rest of the industry. AFYA outperforms 76.32% of its industry peers.
- AFYA has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
- AFYA has a Debt to Equity ratio of 0.42. This is comparable to the rest of the industry: AFYA outperforms 46.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.23
WACC10.4%
2.3 Liquidity
- A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
- With a Current ratio value of 0.98, AFYA perfoms like the industry average, outperforming 42.11% of the companies in the same industry.
- 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.
- Looking at the Quick ratio, with a value of 0.98, AFYA is in line with its industry, outperforming 44.74% of the companies in the same industry.
| 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.
- AFYA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.07%.
- 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.
- AFYA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.24% yearly.
EPS Next Y1.45%
EPS Next 2Y5.91%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue Next Year12.4%
Revenue Next 2Y10.01%
Revenue Next 3Y9.24%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.74, the valuation of AFYA can be described as very cheap.
- Based on the Price/Earnings ratio, AFYA is valued cheaper than 88.16% of the companies in the same industry.
- AFYA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- The Price/Forward Earnings ratio is 7.48, which indicates a rather cheap valuation of AFYA.
- Based on the Price/Forward Earnings ratio, AFYA is valued cheaply inside the industry as 94.74% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of AFYA to the average of the S&P500 Index (24.29), we can say AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.74 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaper than 80.26% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, AFYA is valued cheaply inside the industry as 97.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.73 | ||
| EV/EBITDA | 5.77 |
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)5.32
PEG (5Y)0.31
EPS Next 2Y5.91%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.61%, 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 0.35. AFYA pays more dividend than 89.47% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, AFYA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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 2Y5.91%
EPS Next 3Y8.1%
13.93
-0.46 (-3.2%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-11 2026-03-11/amc
Inst Owners19.83%
Inst Owner Change0%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.31B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target18.58 (33.38%)
Short Float %1.71%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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)-3.41%
PT rev (3m)-2.67%
EPS NQ rev (1m)-5.94%
EPS NQ rev (3m)-9.74%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.74 | ||
| Fwd PE | 7.48 | ||
| P/S | 1.93 | ||
| P/FCF | 5.73 | ||
| P/OCF | 4.49 | ||
| P/B | 1.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.77 |
EPS(TTM)1.8
EY12.92%
EPS(NY)1.86
Fwd EY13.37%
FCF(TTM)2.43
FCFY17.45%
OCF(TTM)3.1
OCFY22.28%
SpS7.22
BVpS9.43
TBVpS-1.65
PEG (NY)5.32
PEG (5Y)0.31
Graham Number19.54
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 | 2.17 |
F-Score7
WACC10.4%
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 Y1.45%
EPS Next 2Y5.91%
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 Year12.4%
Revenue Next 2Y10.01%
Revenue Next 3Y9.24%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.61%
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.
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.