14.56 USD
-0.26 (-1.75%)
14.56 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to AFYA. AFYA was compared to 76 industry peers in the Diversified Consumer Services industry. AFYA has an excellent profitability rating, but there are some minor concerns on its financial health. AFYA is growing strongly while it also seems undervalued. This is an interesting combination
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.
- AFYA had positive earnings in each of the past 5 years.
- In the past 5 years AFYA always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of AFYA (7.94%) is better than 73.68% of its industry peers.
- The Return On Equity of AFYA (15.37%) is better than 71.05% of its industry peers.
- AFYA has a Return On Invested Capital of 12.76%. This is amongst the best in the industry. AFYA outperforms 86.84% 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 10.30%.
- 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
- AFYA's Profit Margin of 20.08% is amongst the best of the industry. AFYA outperforms 90.79% of its industry peers.
- AFYA's Profit Margin has declined in the last couple of years.
- AFYA's Operating Margin of 32.84% is amongst the best of the industry. AFYA outperforms 97.37% of its industry peers.
- 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so AFYA is still 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 2.24. 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.
- AFYA's Altman-Z score of 2.24 is fine compared to the rest of the industry. AFYA outperforms 64.47% of its industry peers.
- 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.
- AFYA has a Debt to FCF ratio of 2.43. This is in the better half of the industry: AFYA outperforms 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 | 2.24 |
ROIC/WACC1.2
WACC10.59%
2.3 Liquidity
- A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
- AFYA has a Current ratio (0.98) which is comparable to the rest of the 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.
- AFYA has a Quick ratio (0.98) which 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.
- AFYA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.00% yearly.
- 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
- The Earnings Per Share is expected to grow by 8.10% on average over the next years. This is quite good.
- 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.
- 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
- With a Price/Earnings ratio of 8.13, the valuation of AFYA can be described as very reasonable.
- 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 27.33. AFYA is valued rather cheaply when compared to this.
- AFYA is valuated cheaply with a Price/Forward Earnings ratio of 7.83.
- AFYA's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 93.42% of the companies in the same industry.
- AFYA is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 7.83 |
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 80.26% of the companies listed in the same industry.
- 97.37% of the companies in the same industry are more expensive than AFYA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6 | ||
| EV/EBITDA | 6.07 |
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)5.59
PEG (5Y)0.33
EPS Next 2Y5.91%
EPS Next 3Y8.1%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.57%, AFYA has a reasonable but not impressive dividend return.
- AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.31. AFYA pays more dividend than 90.79% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, AFYA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y5.91%
EPS Next 3Y8.1%
14.56
-0.26 (-1.75%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-11 2026-03-11/amc
Inst Owners19.83%
Inst Owner Change0%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.36B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target18.72 (28.57%)
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 | 8.13 | ||
| Fwd PE | 7.83 | ||
| P/S | 2.02 | ||
| P/FCF | 6 | ||
| P/OCF | 4.7 | ||
| P/B | 1.55 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.07 |
EPS(TTM)1.79
EY12.29%
EPS(NY)1.86
Fwd EY12.77%
FCF(TTM)2.43
FCFY16.66%
OCF(TTM)3.1
OCFY21.27%
SpS7.2
BVpS9.41
TBVpS-1.64
PEG (NY)5.59
PEG (5Y)0.33
Graham Number19.46
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
WACC10.59%
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 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.