15.04 USD
+0.08 (+0.53%)
Last: Jan 30, 2026, 08:00 PM
Overall AFYA gets a fundamental rating of 6 out of 10. We evaluated AFYA against 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 scores decently on growth, while it is valued quite cheap. This could make 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.
- AFYA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 7.94%, AFYA is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
- With a decent Return On Equity value of 15.37%, AFYA is doing good in the industry, outperforming 71.05% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 12.76%, AFYA belongs to the best of the industry, outperforming 86.84% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for AFYA is in line with the industry average of 10.17%.
- 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
- The Profit Margin of AFYA (20.08%) is better than 90.79% of its industry peers.
- AFYA's Profit Margin has declined in the last couple of years.
- AFYA has a Operating Margin of 32.84%. This is amongst the best in the industry. AFYA outperforms 97.37% of its industry peers.
- 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.
- In the last couple of years the Gross Margin of AFYA has remained more or less at the same level.
| 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.
- Compared to 1 year ago, AFYA has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.22 indicates that AFYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- AFYA has a Altman-Z score of 2.22. This is in the better half 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 better Debt to FCF ratio (2.43) than 78.95% of its industry peers.
- 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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.22 |
ROIC/WACC1.26
WACC10.09%
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's Current ratio of 0.98 is in line compared 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 has a Quick ratio of 0.98. This is comparable 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
- 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
- Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 14.07% in the last year.
- AFYA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.50% yearly.
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 small growth in Earnings Per Share. The EPS will grow by 7.49% on average per year.
- The Revenue is expected to grow by 9.31% on average over the next years. This is quite good.
EPS Next Y1.6%
EPS Next 2Y5.12%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year12.43%
Revenue Next 2Y10.05%
Revenue Next 3Y9.31%
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
- A Price/Earnings ratio of 8.13 indicates a reasonable valuation of AFYA.
- Based on the Price/Earnings ratio, AFYA is valued cheaper than 86.84% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, AFYA is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.97, which indicates a rather cheap valuation of AFYA.
- 93.42% of the companies in the same industry are more expensive than AFYA, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. AFYA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
- AFYA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AFYA is cheaper than 82.89% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, AFYA is valued cheaper than 97.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.01 | ||
| EV/EBITDA | 5.99 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AFYA does not grow enough to justify the current Price/Earnings ratio.
- The excellent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)5.09
PEG (5Y)0.33
EPS Next 2Y5.12%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
- AFYA has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 0.37, AFYA pays a better dividend. On top of this AFYA pays more dividend than 89.47% of the companies listed in the same industry.
- AFYA's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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 2Y5.12%
EPS Next 3Y7.49%
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.