AFYA LTD-CLASS A (AFYA) Stock Fundamental Analysis

NASDAQ:AFYA • KYG011251066

14.07 USD
0 (0%)
Last: Feb 17, 2026, 09:41 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, AFYA scores 6 out of 10 in our fundamental rating. AFYA was compared to 75 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 valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year AFYA was profitable.
  • AFYA had a positive operating cash flow in the past year.
  • 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.
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 500M 1B

1.2 Ratios

  • With a decent Return On Assets value of 7.94%, AFYA is doing good in the industry, outperforming 76.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.37%, AFYA is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
  • AFYA's Return On Invested Capital of 12.76% is amongst the best of the industry. AFYA outperforms 84.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AFYA is in line with the industry average of 10.88%.
  • 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 RankSector 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%
AFYA Yearly ROA, ROE, ROICAFYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80 100

1.3 Margins

  • The Profit Margin of AFYA (20.08%) is better than 93.33% 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 98.67% of its industry peers.
  • In the last couple of years the Operating Margin of AFYA has grown nicely.
  • AFYA has a Gross Margin of 64.98%. This is in the better half of the industry: AFYA outperforms 80.00% 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 RankSector 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%
AFYA Yearly Profit, Operating, Gross MarginsAFYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • Compared to 1 year ago, AFYA has about the same amount of shares outstanding.
  • The number of shares outstanding for AFYA has been increased compared to 5 years ago.
  • The debt/assets ratio for AFYA is higher compared to a year ago.
AFYA Yearly Shares OutstandingAFYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • AFYA has an Altman-Z score of 2.16. 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.
  • Looking at the Altman-Z score, with a value of 2.16, AFYA is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
  • 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's Debt to FCF ratio of 2.43 is fine compared to the rest of the industry. AFYA outperforms 80.00% 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 2.43
Altman-Z 2.16
ROIC/WACC1.21
WACC10.51%
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 1B 2B 3B 4B

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.
  • Looking at the Quick ratio, with a value of 0.98, AFYA is in line with its industry, outperforming 44.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
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 500M 1B 1.5B

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

6

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.
  • AFYA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.00% yearly.
  • Looking at the last year, AFYA shows a quite strong growth in Revenue. The Revenue has grown by 14.07% in the last year.
  • 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

  • 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.
  • Based on estimates for the next years, AFYA will show a quite strong growth in Revenue. The Revenue will grow by 9.31% on average per year.
EPS Next Y1.6%
EPS Next 2Y4.41%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.61 indicates a rather cheap valuation of AFYA.
  • AFYA's Price/Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 89.33% of the companies in the same industry.
  • AFYA is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • AFYA is valuated cheaply with a Price/Forward Earnings ratio of 7.56.
  • 94.67% of the companies in the same industry are more expensive than AFYA, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of AFYA to the average of the S&P500 Index (28.06), we can say AFYA is valued rather cheaply.
Industry RankSector Rank
PE 7.61
Fwd PE 7.56
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 85.33% of the companies are valued more expensively.
  • AFYA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFYA is cheaper than 97.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.63
EV/EBITDA 5.69
AFYA Per share dataAFYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The excellent profitability rating of AFYA may justify a higher PE ratio.
PEG (NY)4.76
PEG (5Y)0.3
EPS Next 2Y4.41%
EPS Next 3Y7.49%

More info and screens

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

3

5. Dividend

5.1 Amount

  • AFYA has a Yearly Dividend Yield of 1.60%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 0.41, AFYA pays a better dividend. On top of this AFYA pays more dividend than 89.33% of the companies listed in the same industry.
  • AFYA's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.6%

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
AFYA Yearly Dividends per shareAFYA Yearly Dividends per shareYearly Dividends per share 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

DPN/A
EPS Next 2Y4.41%
EPS Next 3Y7.49%
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 200M 400M 600M 800M 1B

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AFYA LTD-CLASS A

NASDAQ:AFYA (2/17/2026, 9:41:52 AM)

14.07

0 (0%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)11-12
Earnings (Next)03-11
Inst Owners19.83%
Inst Owner Change-2.22%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.32B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts74.29
Price Target18.29 (29.99%)
Short Float %2.64%
Short Ratio3.64
Dividend
Industry RankSector Rank
Dividend Yield 1.6%
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)-2.33%
PT rev (3m)-4.92%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)-6.21%
EPS NY rev (1m)0.14%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 7.61
Fwd PE 7.56
P/S 1.9
P/FCF 5.63
P/OCF 4.41
P/B 1.45
P/tB N/A
EV/EBITDA 5.69
EPS(TTM)1.85
EY13.15%
EPS(NY)1.86
Fwd EY13.23%
FCF(TTM)2.5
FCFY17.76%
OCF(TTM)3.19
OCFY22.68%
SpS7.42
BVpS9.69
TBVpS-1.69
PEG (NY)4.76
PEG (5Y)0.3
Graham Number20.09
Profitability
Industry RankSector 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 RankSector 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 2.16
F-Score7
WACC10.51%
ROIC/WACC1.21
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 Y1.6%
EPS Next 2Y4.41%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue 1Y (TTM)14.07%
Revenue growth 3Y24.33%
Revenue growth 5Y34.5%
Sales Q2Q%10.38%
Revenue Next Year12.43%
Revenue Next 2Y10.05%
Revenue Next 3Y9.31%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.89%
EBIT Next 3Y22.25%
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.