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

NASDAQ:AFYA • KYG011251066

Current stock price

14.06 USD
+0.15 (+1.08%)
Last:

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

  • AFYA had positive earnings in the past year.
  • AFYA had a positive operating cash flow in the past year.
  • AFYA had positive earnings in each of the past 5 years.
  • 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 2025 500M 1B 1.5B

1.2 Ratios

  • With a decent Return On Assets value of 8.04%, AFYA is doing good in the industry, outperforming 75.34% of the companies in the same industry.
  • AFYA's Return On Equity of 15.51% is fine compared to the rest of the industry. AFYA outperforms 72.60% of its industry peers.
  • AFYA's Return On Invested Capital of 11.31% is amongst the best of the industry. AFYA outperforms 82.19% 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 15.52%.
  • 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

  • The Profit Margin of AFYA (20.35%) is better than 93.15% of its industry peers.
  • In the last couple of years the Profit Margin of AFYA has declined.
  • The Operating Margin of AFYA (32.81%) is better than 97.26% of its industry peers.
  • In the last couple of years the Operating Margin of AFYA has grown nicely.
  • With a decent Gross Margin value of 64.46%, AFYA is doing good in the industry, outperforming 79.45% of the companies in the same industry.
  • AFYA's Gross Margin has been stable in the last couple of years.
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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6

2. AFYA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), AFYA 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.
  • 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

  • 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 64.38% 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.
  • AFYA has a better Debt to FCF ratio (2.67) than 79.45% of its industry peers.
  • AFYA has a Debt/Equity ratio of 0.62. This is a neutral value indicating AFYA is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.62, AFYA is not doing good in the industry: 61.64% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 2.67
Altman-Z 2.21
ROIC/WACC1.12
WACC10.12%
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

  • A Current Ratio of 2.20 indicates that AFYA has no problem at all paying its short term obligations.
  • AFYA has a better Current ratio (2.20) than 78.08% of its industry peers.
  • A Quick Ratio of 2.20 indicates that AFYA has no problem at all paying its short term obligations.
  • AFYA has a Quick ratio of 2.20. This is in the better half of the industry: AFYA outperforms 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

  • 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.
  • The Earnings Per Share has been growing by 18.24% on average over the past years. This is quite good.
  • AFYA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.89%.
  • 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

  • AFYA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.26% yearly.
  • AFYA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.47% yearly.
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

  • 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.
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

  • Based on the Price/Earnings ratio of 7.14, the valuation of AFYA can be described as very cheap.
  • Based on the Price/Earnings ratio, AFYA is valued cheaper than 83.56% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AFYA to the average of the S&P500 Index (27.15), we can say AFYA is valued rather cheaply.
  • AFYA is valuated cheaply with a Price/Forward Earnings ratio of 7.43.
  • Based on the Price/Forward Earnings ratio, AFYA is valued cheaply inside the industry as 94.52% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.12, AFYA is valued rather cheaply.
Industry RankSector Rank
PE 7.14
Fwd PE 7.43
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

  • AFYA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AFYA is cheaper than 83.56% of the companies 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 97.26% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.38
EV/EBITDA 5.17
AFYA Per share dataAFYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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)0.39
EPS Next 2Y5.26%
EPS Next 3YN/A

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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 4.57%, which is a nice return.
  • AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.44. AFYA pays more dividend than 98.63% of the companies in the same industry.
  • AFYA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.57%

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
AFYA Yearly Dividends per shareAFYA Yearly Dividends per shareYearly Dividends per share 2025 2026 0.2 0.4 0.6

5.3 Sustainability

DPN/A
EPS Next 2Y5.26%
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 (4/28/2026, 12:42:03 PM)

14.06

+0.15 (+1.08%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners20.19%
Inst Owner Change-0.01%
Ins Owners9.45%
Ins Owner Change-9.22%
Market Cap1.26B
Revenue(TTM)3.70B
Net Income(TTM)752.46M
Analysts50.77
Price Target16.9 (20.2%)
Short Float %2.56%
Short Ratio4.36
Dividend
Industry RankSector Rank
Dividend Yield 4.57%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date03-25
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)-9.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.48%
EPS NY rev (1m)0.69%
EPS NY rev (3m)-4.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 7.14
Fwd PE 7.43
P/S 1.7
P/FCF 5.38
P/OCF 4.1
P/B 1.29
P/tB N/A
EV/EBITDA 5.17
EPS(TTM)1.97
EY14.01%
EPS(NY)1.89
Fwd EY13.46%
FCF(TTM)2.62
FCFY18.6%
OCF(TTM)3.43
OCFY24.4%
SpS8.28
BVpS10.87
TBVpS-1.65
PEG (NY)N/A
PEG (5Y)0.39
Graham Number21.9469 (56.09%)
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 2.21
F-Score8
WACC10.12%
ROIC/WACC1.12
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.