AFYA LTD-CLASS A (AFYA) Fundamental Analysis & Valuation

NASDAQ:AFYA • KYG011251066

Current stock price

14.98 USD
-0.02 (-0.13%)
Last:

This AFYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

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.
  • In the past 5 years AFYA has always been profitable.
  • AFYA had a positive operating cash flow in each of the past 5 years.
AFYA Yearly Net Income VS EBIT VS OCF VS FCFAFYA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 8.04%, AFYA is in the better half of the industry, outperforming 78.08% of the companies in the same industry.
  • AFYA has a Return On Equity of 15.51%. This is in the better half of the industry: AFYA outperforms 72.60% of its industry peers.
  • AFYA's Return On Invested Capital of 11.31% is amongst the best of the industry. AFYA outperforms 82.19% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for AFYA is below the industry average of 15.17%.
  • The 3 year average ROIC (10.33%) for AFYA is below the current ROIC(11.31%), indicating increased profibility in the last year.
Industry RankSector 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%
AFYA Yearly ROA, ROE, ROICAFYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

1.3 Margins

  • AFYA has a Profit Margin of 20.35%. This is amongst the best in the industry. AFYA outperforms 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.
  • With a decent Gross Margin value of 64.46%, AFYA is doing good in the industry, outperforming 79.45% of the companies in the same industry.
  • AFYA's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
AFYA Yearly Profit, Operating, Gross MarginsAFYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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7

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.
  • 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.
  • The debt/assets ratio for AFYA has been reduced compared to a year ago.
AFYA Yearly Shares OutstandingAFYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
AFYA Yearly Total Debt VS Total AssetsAFYA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • An Altman-Z score of 2.35 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.35, AFYA is in the better half of the industry, outperforming 63.01% of the companies in the same industry.
  • AFYA has a debt to FCF ratio of 2.67. This is a good value and a sign of high solvency as AFYA would need 2.67 years to pay back of all of its debts.
  • AFYA has a Debt to FCF ratio of 2.67. This is amongst the best in the industry. AFYA outperforms 80.82% of its industry peers.
  • AFYA has a Debt/Equity ratio of 0.62. This is a neutral value indicating AFYA is somewhat dependend on debt financing.
  • AFYA has a Debt to Equity ratio (0.62) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 2.67
Altman-Z 2.35
ROIC/WACC1.09
WACC10.38%
AFYA Yearly LT Debt VS Equity VS FCFAFYA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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.
  • The Current ratio of AFYA (2.20) is better than 79.45% of its industry peers.
  • A Quick Ratio of 2.20 indicates that AFYA has no problem at all paying its short term obligations.
  • AFYA's Quick ratio of 2.20 is amongst the best of the industry. AFYA outperforms 80.82% of its industry peers.
Industry RankSector Rank
Current Ratio 2.2
Quick Ratio 2.2
AFYA Yearly Current Assets VS Current LiabilitesAFYA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • AFYA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.89%.
  • Measured over the past years, AFYA shows a very strong growth in Revenue. The Revenue has been growing by 25.21% on average per year.
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

  • Based on estimates for the next years, AFYA will show a small growth in Earnings Per Share. The EPS will grow by 4.70% on average per year.
  • AFYA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.47% yearly.
EPS Next Y-4.72%
EPS Next 2Y4.7%
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

  • 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.
AFYA Yearly Revenue VS EstimatesAFYA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
AFYA Yearly EPS VS EstimatesAFYA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. AFYA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.88, which indicates a rather cheap valuation of AFYA.
  • Based on the Price/Earnings ratio, AFYA is valued cheaper than 86.30% of the companies in the same industry.
  • AFYA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
  • AFYA is valuated reasonably with a Price/Forward Earnings ratio of 8.26.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 91.78% of the companies listed 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 23.10.
Industry RankSector Rank
PE 7.88
Fwd PE 8.26
AFYA Price Earnings VS Forward Price EarningsAFYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaply inside the industry as 86.30% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, AFYA is valued cheaper than 95.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.19
EV/EBITDA 5.82
AFYA Per share dataAFYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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 2Y4.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. AFYA Dividend Analysis

5.1 Amount

  • AFYA has a Yearly Dividend Yield of 4.45%, which is a nice return.
  • AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.44. AFYA pays more dividend than 98.63% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, AFYA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.45%

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 Years1
Div Non Decr Years1
AFYA Yearly Dividends per shareAFYA Yearly Dividends per shareYearly Dividends per share 2025 2026 0.2 0.4 0.6

5.3 Sustainability

DPN/A
EPS Next 2Y4.7%
EPS Next 3YN/A
AFYA Yearly Income VS Free CF VS DividendAFYA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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AFYA Fundamentals: All Metrics, Ratios and Statistics

AFYA LTD-CLASS A

NASDAQ:AFYA (4/8/2026, 2:06:07 PM)

14.98

-0.02 (-0.13%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners20.63%
Inst Owner Change0%
Ins Owners9.76%
Ins Owner Change-6.3%
Market Cap1.40B
Revenue(TTM)3.70B
Net Income(TTM)752.46M
Analysts50.77
Price Target16.9 (12.82%)
Short Float %3.96%
Short Ratio5.46
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date03-25
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%
EPS NY rev (3m)-6.68%
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 RankSector Rank
PE 7.88
Fwd PE 8.26
P/S 1.96
P/FCF 6.19
P/OCF 4.72
P/B 1.49
P/tB N/A
EV/EBITDA 5.82
EPS(TTM)1.9
EY12.68%
EPS(NY)1.81
Fwd EY12.11%
FCF(TTM)2.42
FCFY16.15%
OCF(TTM)3.17
OCFY21.19%
SpS7.66
BVpS10.05
TBVpS-1.53
PEG (NY)N/A
PEG (5Y)0.43
Graham Number20.73
Profitability
Industry RankSector 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 RankSector 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 2.35
F-Score8
WACC10.38%
ROIC/WACC1.09
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-4.72%
EPS Next 2Y4.7%
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 Year39.18%
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 7 / 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 7 / 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 -4.72% in the next year.