14.82 USD
-0.36 (-2.37%)
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.
In the past year AFYA had a positive cash flow from operations.
Each year in the past 5 years AFYA has 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.
The Return On Equity of AFYA (15.37%) is better than 71.05% of its industry peers.
AFYA has a better Return On Invested Capital (12.76%) than 86.84% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AFYA 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's Gross Margin of 64.98% is fine compared to the rest of the industry. AFYA outperforms 78.95% of its industry peers.
AFYA's Gross Margin has been stable in the last couple of years.
| 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
AFYA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
AFYA has a worse debt/assets ratio than last year.
2.2 Solvency
AFYA has an Altman-Z score of 2.26. 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.
AFYA has a Altman-Z score of 2.26. This is in the better half of the industry: AFYA outperforms 65.79% 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.
The Debt to FCF ratio of AFYA (2.43) is better 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 | 2.26 |
ROIC/WACC1.19
WACC10.69%
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.
The Current ratio of AFYA (0.98) is comparable to the rest of the industry.
A Quick Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
With a Quick ratio value of 0.98, AFYA perfoms like the industry average, 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
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.
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.
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.
Based on estimates for the next years, AFYA will show a quite strong growth in Revenue. The Revenue will grow by 9.35% on average per year.
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
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.
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
The Price/Earnings ratio is 8.28, which indicates a very decent valuation of AFYA.
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.
The average S&P500 Price/Earnings ratio is at 27.25. AFYA is valued rather cheaply when compared to this.
AFYA is valuated cheaply with a Price/Forward Earnings ratio of 7.96.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 93.42% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.98. AFYA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.28 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaply inside the industry as 80.26% of the companies are valued more expensively.
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 | 6.1 | ||
| EV/EBITDA | 6.18 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AFYA does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)5.69
PEG (5Y)0.33
EPS Next 2Y5.91%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
AFYA has a Yearly Dividend Yield of 1.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 0.31, AFYA pays a better dividend. On top of this AFYA pays more dividend than 90.79% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, AFYA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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%
NASDAQ:AFYA (1/13/2026, 3:22:07 PM)
14.82
-0.36 (-2.37%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)
Earnings (Next)
Inst Owners19.83%
Inst Owner Change0%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.39B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target18.72 (26.32%)
Short Float %1.71%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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)-1.91%
EPS NQ rev (1m)-4.04%
EPS NQ rev (3m)-7.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.84%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.45%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.28 | ||
| Fwd PE | 7.96 | ||
| P/S | 2.06 | ||
| P/FCF | 6.1 | ||
| P/OCF | 4.78 | ||
| P/B | 1.57 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.18 |
EPS(TTM)1.79
EY12.08%
EPS(NY)1.86
Fwd EY12.56%
FCF(TTM)2.43
FCFY16.39%
OCF(TTM)3.1
OCFY20.93%
SpS7.21
BVpS9.42
TBVpS-1.64
PEG (NY)5.69
PEG (5Y)0.33
Graham Number19.48
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 | 2.26 |
F-Score7
WACC10.69%
ROIC/WACC1.19
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.