13.93 USD
-0.46 (-3.2%)
13.93 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to AFYA. AFYA was compared to 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 growing strongly while it also seems undervalued. This is an interesting combination
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.
- In the past 5 years AFYA has always been profitable.
- In the past 5 years AFYA always reported a positive cash flow from operatings.
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.
- With an excellent Return On Invested Capital value of 12.76%, AFYA belongs to the best of the industry, outperforming 86.84% of the companies in the same industry.
- 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 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
- Looking at the Profit Margin, with a value of 20.08%, AFYA belongs to the top of the industry, outperforming 90.79% of the companies in the same industry.
- AFYA's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 32.84%, AFYA belongs to the top of the industry, outperforming 97.37% of the companies in the same industry.
- AFYA's Operating Margin has improved in the last couple of years.
- AFYA has a Gross Margin of 64.98%. This is in the better half 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.
- AFYA has about the same amout of shares outstanding than it did 1 year ago.
- AFYA has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AFYA has a worse debt to assets ratio.
2.2 Solvency
- AFYA has an Altman-Z score of 2.17. 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.
- With a decent Altman-Z score value of 2.17, AFYA is doing good in 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.
- Looking at the Debt to Equity ratio, with a value of 0.42, AFYA is in line with its industry, outperforming 46.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.22
WACC10.47%
2.3 Liquidity
- AFYA has a Current 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.
- AFYA's Current ratio of 0.98 is in line compared to the rest of the industry. AFYA outperforms 42.11% 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.
- AFYA has a Quick ratio (0.98) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
- AFYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.08%, which is quite good.
- 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
- The Earnings Per Share is expected to grow by 8.10% on average over the next years. This is quite good.
- The Revenue is expected to grow by 9.24% on average over the next years. This is quite good.
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.
- 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
- AFYA is valuated cheaply with a Price/Earnings ratio of 7.74.
- AFYA's Price/Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 88.16% of the companies in the same industry.
- When comparing the Price/Earnings ratio of AFYA to the average of the S&P500 Index (27.47), we can say AFYA is valued rather cheaply.
- A Price/Forward Earnings ratio of 7.48 indicates a rather cheap valuation of AFYA.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 94.74% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.74 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
- AFYA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AFYA is cheaper than 80.26% of the companies in the same industry.
- 97.37% 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 | 5.73 | ||
| 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
- AFYA has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
- AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.36. AFYA pays more dividend than 89.47% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.87, AFYA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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
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
WACC10.47%
ROIC/WACC1.22
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.