14.93 USD
-0.48 (-3.11%)
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. While AFYA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. An interesting combination arises when we look at growth and value: AFYA is growing strongly while it also seems undervalued.
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.
AFYA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AFYA's Return On Assets of 7.94% is fine compared to the rest of the industry. AFYA outperforms 73.68% of its industry peers.
AFYA's Return On Equity of 15.37% is fine compared to the rest of the industry. AFYA outperforms 71.05% of its industry peers.
Looking at the Return On Invested Capital, with a value of 12.76%, AFYA belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AFYA is in line with the industry average of 10.55%.
The 3 year average ROIC (9.34%) for AFYA is below the current ROIC(12.76%), indicating increased profibility in the last year.
| 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 has a Profit Margin of 20.08%. This is amongst the best in the industry. AFYA outperforms 90.79% of its industry peers.
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.
The Gross Margin of AFYA (64.98%) is better than 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), AFYA is 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.
AFYA has a worse debt/assets ratio than last year.
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.
AFYA's Altman-Z score of 2.29 is fine compared to the rest of the industry. AFYA outperforms 67.11% 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.
With a decent Debt to FCF ratio value of 2.43, AFYA is doing good in the industry, outperforming 76.32% of the companies in the same industry.
AFYA has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
AFYA has a Debt to Equity ratio (0.42) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.29 |
ROIC/WACC1.18
WACC10.82%
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 42.11% of its industry peers.
A Quick Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
AFYA's Quick ratio of 0.98 is in line compared to the rest of the industry. AFYA outperforms 44.74% of its industry peers.
| 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.
AFYA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.07%.
The Revenue has been growing by 34.50% on average over the past years. This is a very strong growth!
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.
AFYA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.35% yearly.
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
A Price/Earnings ratio of 8.48 indicates a reasonable valuation of AFYA.
Compared to the rest of the industry, the Price/Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 86.84% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, AFYA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.17, the valuation of AFYA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 92.11% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AFYA to the average of the S&P500 Index (23.13), we can say AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.48 | ||
| Fwd PE | 8.17 |
4.2 Price Multiples
80.26% of the companies in the same industry are more expensive than AFYA, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFYA indicates a rather cheap valuation: AFYA is cheaper than 97.37% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.26 | ||
| EV/EBITDA | 6.35 |
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)5.83
PEG (5Y)0.34
EPS Next 2Y5.91%
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.
Compared to an average industry Dividend Yield of 0.32, AFYA pays a better dividend. On top of this AFYA pays more dividend than 90.79% of the companies listed in the same industry.
AFYA's Dividend Yield is slightly below the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
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%
NASDAQ:AFYA (1/2/2026, 10:49:02 AM)
14.93
-0.48 (-3.11%)
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 Cap1.40B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts77.14
Price Target18.72 (25.39%)
Short Float %1.71%
Short Ratio2.89
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-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)-1.53%
EPS NQ rev (1m)-4.04%
EPS NQ rev (3m)-8.25%
EPS NY rev (1m)0.8%
EPS NY rev (3m)-1.84%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.48 | ||
| Fwd PE | 8.17 | ||
| P/S | 2.11 | ||
| P/FCF | 6.26 | ||
| P/OCF | 4.9 | ||
| P/B | 1.61 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.35 |
EPS(TTM)1.76
EY11.79%
EPS(NY)1.83
Fwd EY12.23%
FCF(TTM)2.38
FCFY15.96%
OCF(TTM)3.04
OCFY20.39%
SpS7.08
BVpS9.24
TBVpS-1.61
PEG (NY)5.83
PEG (5Y)0.34
Graham Number19.13
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 | 2.29 |
F-Score7
WACC10.82%
ROIC/WACC1.18
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.