14.92 USD
-0.03 (-0.2%)
Taking everything into account, AFYA scores 6 out of 10 in our fundamental rating. AFYA was compared to 76 industry peers in the Diversified Consumer Services industry. While AFYA has a great profitability rating, 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
AFYA had positive earnings in the past year.
AFYA had a positive operating cash flow in the past year.
Each year in the past 5 years AFYA has been profitable.
In the past 5 years AFYA always reported a positive cash flow from operatings.
1.2 Ratios
AFYA has a better Return On Assets (7.94%) than 73.68% of its industry peers.
AFYA has a better Return On Equity (15.37%) than 71.05% of its industry peers.
AFYA's Return On Invested Capital of 12.76% is amongst the best of 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 10.41%.
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.
In the last couple of years the Profit Margin of AFYA has declined.
With an excellent Operating Margin value of 32.84%, AFYA belongs to the best 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.
With a decent Gross Margin value of 64.98%, AFYA is doing good in the industry, outperforming 77.63% of the companies in the same industry.
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.
AFYA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, AFYA has more shares outstanding
AFYA has a worse debt/assets ratio than last year.
2.2 Solvency
AFYA has an Altman-Z score of 2.27. 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 has a better Altman-Z score (2.27) than 64.47% of its industry peers.
AFYA has a debt to FCF ratio of 2.43. This is a good value and a sign of high solvency as AFYA would need 2.43 years to pay back of all of its debts.
AFYA has a better Debt to FCF ratio (2.43) than 76.32% 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.
With a Debt to Equity ratio value of 0.42, AFYA perfoms like the industry average, outperforming 46.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.27 |
ROIC/WACC1.19
WACC10.72%
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 (0.98) which is comparable to the rest of the industry.
A Quick Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
With a Quick ratio value of 0.98, AFYA perfoms like the industry average, outperforming 43.42% of the companies in the same industry.
| 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.
The Revenue has grown by 14.07% in the past year. This is quite good.
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
AFYA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
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
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
AFYA is valuated reasonably with a Price/Earnings ratio of 8.53.
86.84% of the companies in the same industry are more expensive than AFYA, based on the Price/Earnings ratio.
AFYA is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.23, the valuation of AFYA can be described as reasonable.
Based on the Price/Forward Earnings ratio, AFYA is valued cheaper than 93.42% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 8.23 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFYA is valued cheaper than 80.26% of the companies 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 97.37% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.31 | ||
| EV/EBITDA | 6.23 |
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.
AFYA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)5.86
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%.
AFYA's Dividend Yield is rather good when compared to the industry average which is at 0.32. AFYA pays more dividend than 90.79% of the companies in the same industry.
Compared to the average S&P500 Dividend Yield of 2.00, AFYA is paying slightly less dividend.
| 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 2Y5.91%
EPS Next 3Y8.1%
NASDAQ:AFYA (12/29/2025, 4:10:08 PM)
14.92
-0.03 (-0.2%)
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 (25.47%)
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)-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 | 8.53 | ||
| Fwd PE | 8.23 | ||
| P/S | 2.12 | ||
| P/FCF | 6.31 | ||
| P/OCF | 4.94 | ||
| P/B | 1.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.23 |
EPS(TTM)1.75
EY11.73%
EPS(NY)1.81
Fwd EY12.15%
FCF(TTM)2.36
FCFY15.85%
OCF(TTM)3.02
OCFY20.24%
SpS7.02
BVpS9.17
TBVpS-1.6
PEG (NY)5.86
PEG (5Y)0.34
Graham Number19
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 | 2.27 |
F-Score7
WACC10.72%
ROIC/WACC1.19
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.
What is the valuation status of AFYA LTD-CLASS A (AFYA) stock?
ChartMill assigns a valuation rating of 7 / 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.