AFYA LTD-CLASS A (AFYA) Fundamental Analysis & Valuation
NASDAQ:AFYA • KYG011251066
Current stock price
15.07 USD
-0.16 (-1.05%)
At close:
15.07 USD
0 (0%)
After Hours:
This AFYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- Each year in the past 5 years AFYA has been profitable.
- AFYA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of AFYA (8.04%) is better than 78.08% of its industry peers.
- With a decent Return On Equity value of 15.51%, AFYA is doing good in the industry, outperforming 72.60% of the companies in the same industry.
- 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 15.36%.
- The 3 year average ROIC (10.33%) for AFYA is below the current ROIC(11.31%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
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.
- AFYA's Operating Margin has improved in the last couple of years.
- AFYA's Gross Margin of 64.46% is fine compared to the rest of the industry. AFYA outperforms 79.45% of its industry peers.
- AFYA's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. AFYA Health Analysis
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.
- The debt/assets ratio for AFYA has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.29 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of AFYA (2.29) is better than 65.75% 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.
- Looking at the Debt to FCF ratio, with a value of 2.67, AFYA is in the better half of the industry, outperforming 79.45% of the companies in the same industry.
- A Debt/Equity ratio of 0.62 indicates that AFYA is somewhat dependend on debt financing.
- The Debt to Equity ratio of AFYA (0.62) is worse than 60.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 2.67 | ||
| Altman-Z | 2.29 |
ROIC/WACC1.11
WACC10.21%
2.3 Liquidity
- AFYA has a Current Ratio of 2.20. This indicates that AFYA is financially healthy and has no problem in meeting its short term obligations.
- With a decent Current ratio value of 2.20, AFYA is doing good in the industry, outperforming 78.08% of the companies in the same industry.
- AFYA has a Quick Ratio of 2.20. This indicates that AFYA is financially healthy and has no problem in meeting its short term obligations.
- AFYA's Quick ratio of 2.20 is fine compared to the rest of the industry. AFYA outperforms 79.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 |
3. AFYA Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 9.87% over the past year.
- Measured over the past years, AFYA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.24% on average per year.
- Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 11.89% in the last year.
- AFYA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.21% yearly.
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.
- Based on estimates for the next years, AFYA will show a small growth in Revenue. The Revenue will grow by 7.47% on average per year.
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
- 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. AFYA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 7.77, the valuation of AFYA can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 83.56% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of AFYA to the average of the S&P500 Index (26.86), we can say AFYA is valued rather cheaply.
- AFYA is valuated reasonably with a Price/Forward Earnings ratio of 8.10.
- Based on the Price/Forward Earnings ratio, AFYA is valued cheaper than 93.15% of the companies in the same industry.
- AFYA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.77 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
- 86.30% of the companies in the same industry are more expensive than AFYA, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, AFYA is valued cheaper than 95.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.86 | ||
| EV/EBITDA | 5.57 |
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)0.43
EPS Next 2Y5.26%
EPS Next 3YN/A
5. AFYA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 4.31%, AFYA is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 0.44, AFYA pays a better dividend. On top of this AFYA pays more dividend than 98.63% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, AFYA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y5.26%
EPS Next 3YN/A
AFYA Fundamentals: All Metrics, Ratios and Statistics
15.07
-0.16 (-1.05%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)03-12 2026-03-12/amc
Earnings (Next)05-07 2026-05-07
Inst Owners20.19%
Inst Owner Change0%
Ins Owners9.45%
Ins Owner Change-29.2%
Market Cap1.35B
Revenue(TTM)3.70B
Net Income(TTM)752.46M
Analysts50.77
Price Target16.9 (12.14%)
Short Float %3.96%
Short Ratio5.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date03-25 2026-03-25 (0.656028)
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)-9.73%
EPS NQ rev (1m)-1.1%
EPS NQ rev (3m)-5.69%
EPS NY rev (1m)0.69%
EPS NY rev (3m)-6.03%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.77 | ||
| Fwd PE | 8.1 | ||
| P/S | 1.85 | ||
| P/FCF | 5.86 | ||
| P/OCF | 4.47 | ||
| P/B | 1.41 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.57 |
EPS(TTM)1.94
EY12.87%
EPS(NY)1.86
Fwd EY12.34%
FCF(TTM)2.57
FCFY17.06%
OCF(TTM)3.37
OCFY22.37%
SpS8.14
BVpS10.68
TBVpS-1.62
PEG (NY)N/A
PEG (5Y)0.43
Graham Number21.59
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.29 |
F-Score8
WACC10.21%
ROIC/WACC1.11
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.