AFYA LTD-CLASS A (AFYA) Stock Fundamental Analysis
NASDAQ:AFYA • KYG011251066
13.6 USD
+0.05 (+0.37%)
At close: Feb 27, 2026
13.6 USD
0 (0%)
After Hours: 2/27/2026, 8:00:00 PM
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 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.
- AFYA had a positive operating cash flow in the past year.
- In the past 5 years AFYA has always been profitable.
- AFYA had a positive operating cash flow in each of the past 5 years.
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.
- AFYA has a better Return On Equity (15.37%) than 72.00% of its industry peers.
- With an excellent Return On Invested Capital value of 12.76%, AFYA belongs to the best of the industry, outperforming 81.33% of the companies in the same industry.
- 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 11.18%.
- 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
- Looking at the Profit Margin, with a value of 20.08%, AFYA belongs to the top of the industry, outperforming 94.67% of the companies in the same industry.
- AFYA's Profit Margin has declined in the last couple of years.
- The Operating Margin of AFYA (32.84%) is better than 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 amongst the best in the industry. AFYA outperforms 81.33% 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), AFYA is creating some value.
- The number of shares outstanding for AFYA remains at a similar level compared to 1 year ago.
- AFYA has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AFYA has a worse debt to assets ratio.
2.2 Solvency
- AFYA has an Altman-Z score of 2.11. 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 2.11, AFYA is in the better half of the industry, outperforming 65.33% 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.
- With a decent Debt to FCF ratio value of 2.43, AFYA is doing good in the industry, outperforming 78.67% of the companies in the same industry.
- A Debt/Equity ratio of 0.42 indicates that AFYA is not too dependend on debt financing.
- AFYA has a Debt to Equity ratio of 0.42. This is comparable to the rest of the industry: AFYA outperforms 46.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 2.43 | ||
| Altman-Z | 2.11 |
ROIC/WACC1.24
WACC10.27%
2.3 Liquidity
- A Current Ratio of 0.98 indicates that AFYA may have some problems paying its short term obligations.
- With a Current ratio value of 0.98, AFYA perfoms like the industry average, outperforming 44.00% of the companies in the same industry.
- A Quick Ratio of 0.98 indicates that AFYA may have some problems paying 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
- 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.
- 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 7.49% on average over the next years.
- Based on estimates for the next years, AFYA will show a quite strong growth in Revenue. The Revenue will grow by 9.28% on average per year.
EPS Next Y1.6%
EPS Next 2Y4.41%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year12.37%
Revenue Next 2Y10.08%
Revenue Next 3Y9.28%
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
- With a Price/Earnings ratio of 7.27, the valuation of AFYA can be described as very cheap.
- Based on the Price/Earnings ratio, AFYA is valued cheaply inside the industry as 90.67% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.07, AFYA is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.21, the valuation of AFYA can be described as very cheap.
- AFYA's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFYA is cheaper than 94.67% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of AFYA to the average of the S&P500 Index (28.05), we can say AFYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.27 | ||
| Fwd PE | 7.21 |
4.2 Price Multiples
- 84.00% of the companies in the same industry are more expensive than AFYA, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, AFYA is valued cheaply inside the industry as 96.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.37 | ||
| EV/EBITDA | 5.49 |
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)4.55
PEG (5Y)0.29
EPS Next 2Y4.41%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
- AFYA has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 0.39, AFYA pays a better dividend. On top of this AFYA pays more dividend than 90.67% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, AFYA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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 2Y4.41%
EPS Next 3Y7.49%
13.6
+0.05 (+0.37%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-27 2026-03-27/amc
Inst Owners19.83%
Inst Owner Change4.34%
Ins Owners9.76%
Ins Owner ChangeN/A
Market Cap1.27B
Revenue(TTM)3.63B
Net Income(TTM)729.50M
Analysts74.29
Price Target18.07 (32.87%)
Short Float %2.64%
Short Ratio3.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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)-2.75%
PT rev (3m)-6.06%
EPS NQ rev (1m)-2.49%
EPS NQ rev (3m)-8.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.27 | ||
| Fwd PE | 7.21 | ||
| P/S | 1.81 | ||
| P/FCF | 5.37 | ||
| P/OCF | 4.2 | ||
| P/B | 1.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.49 |
EPS(TTM)1.87
EY13.75%
EPS(NY)1.89
Fwd EY13.87%
FCF(TTM)2.53
FCFY18.62%
OCF(TTM)3.23
OCFY23.78%
SpS7.52
BVpS9.82
TBVpS-1.71
PEG (NY)4.55
PEG (5Y)0.29
Graham Number20.33
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 | 2.11 |
F-Score7
WACC10.27%
ROIC/WACC1.24
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 Year12.37%
Revenue Next 2Y10.08%
Revenue Next 3Y9.28%
Revenue Next 5YN/A
EBIT growth 1Y29%
EBIT growth 3Y31.92%
EBIT growth 5Y37.58%
EBIT Next Year60.8%
EBIT Next 3Y21.93%
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.