15.41 USD
+0.35 (+2.32%)
15.41 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 scores excellent on profitability, 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
In the past year AFYA was profitable.
AFYA had a positive operating cash flow in the past year.
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
AFYA has a Return On Assets of 7.94%. This is in the better half of the industry: AFYA outperforms 73.68% of its industry peers.
AFYA has a Return On Equity of 15.37%. This is in the better half of the industry: AFYA outperforms 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.
Measured over the past 3 years, the Average Return On Invested Capital for AFYA is in line with the industry average of 10.41%.
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.
In the last couple of years the Operating Margin of AFYA has grown nicely.
The Gross Margin of AFYA (64.98%) is better than 77.63% 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.
Compared to 1 year ago, AFYA has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.28 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of AFYA (2.28) is better than 64.47% 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 better Debt to FCF ratio (2.43) than 76.32% of its industry peers.
A Debt/Equity ratio of 0.42 indicates that AFYA is not too dependend on debt financing.
AFYA has a Debt to Equity ratio (0.42) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.28 |
ROIC/WACC1.18
WACC10.79%
2.3 Liquidity
A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.98, AFYA is in line with its industry, outperforming 40.79% 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.
The Quick ratio of AFYA (0.98) is comparable to the rest of the 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.
Measured over the past years, AFYA shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.00% on average per year.
Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 14.07% in the last year.
Measured over the past years, AFYA shows a very strong growth in Revenue. The Revenue has been growing by 34.50% on average per year.
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
Based on estimates for the next years, AFYA will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.10% on average per year.
The Revenue is expected to grow by 9.35% 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 Year12.37%
Revenue Next 2Y10.11%
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.
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
The Price/Earnings ratio is 8.81, which indicates a very decent valuation of AFYA.
Based on the Price/Earnings ratio, AFYA is valued cheaply inside the industry as 86.84% of the companies are valued more expensively.
AFYA is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.51 indicates a reasonable valuation of AFYA.
92.11% of the companies in the same industry are more expensive than AFYA, based on the Price/Forward Earnings ratio.
AFYA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.51 |
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 | 6.52 | ||
| EV/EBITDA | 6.27 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
AFYA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)6.06
PEG (5Y)0.35
EPS Next 2Y5.91%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.58%, AFYA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 0.32, AFYA pays a better dividend. On top of this AFYA pays more dividend than 90.79% of the companies listed in the same industry.
AFYA's Dividend Yield is slightly below the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
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%
15.41
+0.35 (+2.32%)
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 Cap1.44B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target18.72 (21.48%)
Short Float %1.71%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
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)-2.65%
PT rev (3m)-1.53%
EPS NQ rev (1m)-4.04%
EPS NQ rev (3m)-8.25%
EPS NY rev (1m)0.8%
EPS NY rev (3m)-1.84%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.51 | ||
| P/S | 2.2 | ||
| P/FCF | 6.52 | ||
| P/OCF | 5.1 | ||
| P/B | 1.68 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.27 |
EPS(TTM)1.75
EY11.36%
EPS(NY)1.81
Fwd EY11.76%
FCF(TTM)2.36
FCFY15.34%
OCF(TTM)3.02
OCFY19.59%
SpS7.02
BVpS9.17
TBVpS-1.6
PEG (NY)6.06
PEG (5Y)0.35
Graham Number19
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 | 2.28 |
F-Score7
WACC10.79%
ROIC/WACC1.18
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 Year12.37%
Revenue Next 2Y10.11%
Revenue Next 3Y9.35%
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.