14.56 USD
-0.08 (-0.55%)
14.56 USD
0 (0%)
Overall AFYA gets a fundamental rating of 6 out of 10. We evaluated AFYA against 77 industry peers in the Diversified Consumer Services industry. While AFYA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. AFYA has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
In the past year AFYA was profitable.
AFYA had a positive operating cash flow in the past year.
Each year in the past 5 years AFYA has been profitable.
Each year in the past 5 years AFYA had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 7.94%, AFYA is doing good in the industry, outperforming 74.03% of the companies in the same industry.
AFYA has a better Return On Equity (15.37%) than 71.43% of its industry peers.
The Return On Invested Capital of AFYA (12.76%) is better than 87.01% of its industry peers.
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 10.17%.
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
With an excellent Profit Margin value of 20.08%, AFYA belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
In the last couple of years the Profit Margin of AFYA has declined.
Looking at the Operating Margin, with a value of 32.84%, AFYA belongs to the top of the industry, outperforming 97.40% of the companies in the same industry.
AFYA's Operating Margin has improved in the last couple of years.
AFYA has a better Gross Margin (64.98%) than 77.92% 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.
Compared to 1 year ago, AFYA has about the same amount of shares outstanding.
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 2.24. 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 2.24, AFYA is doing good in the industry, outperforming 63.64% 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.
Looking at the Debt to FCF ratio, with a value of 2.43, AFYA is in the better half of the industry, outperforming 75.32% of the companies in the same industry.
A Debt/Equity ratio of 0.42 indicates that AFYA is not too dependend on debt financing.
The Debt to Equity ratio of AFYA (0.42) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.24 |
ROIC/WACC1.2
WACC10.65%
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 has a Current ratio of 0.98. This is comparable to the rest of the industry: AFYA outperforms 40.26% of its industry peers.
A Quick Ratio of 0.98 indicates that AFYA may have some problems paying 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.
The Earnings Per Share has been growing by 25.00% on average over the past years. This is a very strong growth
The Revenue has grown by 14.07% in the past year. This is quite good.
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.
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 2Y6.82%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue Next Year12.31%
Revenue Next 2Y10.31%
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.
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
Based on the Price/Earnings ratio of 8.32, the valuation of AFYA can be described as reasonable.
Based on the Price/Earnings ratio, AFYA is valued cheaper than 88.31% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.39, AFYA is valued rather cheaply.
The Price/Forward Earnings ratio is 7.91, which indicates a rather cheap valuation of AFYA.
Based on the Price/Forward Earnings ratio, AFYA is valued cheaply inside the industry as 93.51% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.32 | ||
| Fwd PE | 7.91 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 81.82% of the companies listed 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 96.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | 6.11 |
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)5.72
PEG (5Y)0.33
EPS Next 2Y6.82%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
AFYA has a Yearly Dividend Yield of 1.58%. 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 0.32. AFYA pays more dividend than 90.91% 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 | 1.58% |
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 2Y6.82%
EPS Next 3Y8.1%
14.56
-0.08 (-0.55%)
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 Cap1.36B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target19.23 (32.07%)
Short Float %1.85%
Short Ratio2.97
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-Date
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)0%
PT rev (3m)1.15%
EPS NQ rev (1m)-0.5%
EPS NQ rev (3m)-4.39%
EPS NY rev (1m)0.8%
EPS NY rev (3m)-4.97%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.32 | ||
| Fwd PE | 7.91 | ||
| P/S | 2.08 | ||
| P/FCF | 6.17 | ||
| P/OCF | 4.83 | ||
| P/B | 1.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.11 |
EPS(TTM)1.75
EY12.02%
EPS(NY)1.84
Fwd EY12.64%
FCF(TTM)2.36
FCFY16.22%
OCF(TTM)3.02
OCFY20.71%
SpS7.01
BVpS9.16
TBVpS-1.6
PEG (NY)5.72
PEG (5Y)0.33
Graham Number18.99
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 | 2.24 |
F-Score7
WACC10.65%
ROIC/WACC1.2
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 2Y6.82%
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 Year12.31%
Revenue Next 2Y10.31%
Revenue Next 3Y9.35%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.42%
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.
What is the valuation status of AFYA LTD-CLASS A (AFYA) stock?
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.
What is the financial health of AFYA LTD-CLASS A (AFYA) stock?
The financial health rating of AFYA LTD-CLASS A (AFYA) is 4 / 10.