(AFYA) Afya - Overview
Stock: Medical Education, Digital Health, Medical Software
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.29% |
| Yield on Cost 5y | 0.99% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 3.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.1% |
| Relative Tail Risk | -1.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.21 |
| Alpha | -12.63 |
| Character TTM | |
|---|---|
| Beta | 0.592 |
| Beta Downside | 0.447 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.14% |
| CAGR/Max DD | 0.12 |
Description: AFYA Afya January 14, 2026
Afya Limited (NASDAQ:AFYA) is a Brazil-based medical education group that operates across three core segments: Undergraduate medical training, Continuing Education for practicing clinicians, and Digital Services. Its portfolio includes accredited medical schools, residency-prep courses, graduate programs, and a suite of digital health tools-ranging from a subscription-based clinical decision-support app to practice-management platforms (iClinic, Shosp) and specialty solutions such as Rx PRO and the free Glic diabetes-care app.
Key metrics that signal the company’s growth trajectory include a FY 2023 revenue increase of roughly 18% year-over-year to BRL 1.9 billion, driven largely by a 35% surge in digital-service subscriptions; an EBITDA margin of ~12% after scaling the iClinic SaaS platform; and a user base exceeding 1.2 million health-professional accounts on its mobile and web portals. The broader Brazilian medical-education market is expanding at ~7% CAGR, buoyed by rising physician shortages and government incentives for health-professional training, which underpin Afya’s addressable opportunity.
For a data-rich, quantitative deep-dive on Afya’s valuation dynamics, you may find ValueRay’s analyst toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 729.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 3.47 > 1.0 |
| NWC/Revenue: -1.05% < 20% (prev 17.30%; Δ -18.35% < -1%) |
| CFO/TA 0.17 > 3% & CFO 1.56b > Net Income 729.4m |
| Net Debt (1.98b) to EBITDA (1.61b): 1.23 < 3 |
| Current Ratio: 0.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (91.3m) vs 12m ago 0.04% < -2% |
| Gross Margin: 64.98% > 18% (prev 0.62%; Δ 6435 % > 0.5%) |
| Asset Turnover: 40.59% > 50% (prev 36.55%; Δ 4.04% > 0%) |
| Interest Coverage Ratio: 2.66 > 6 (EBITDA TTM 1.61b / Interest Expense TTM 480.9m) |
Altman Z'' 2.39
| A: -0.00 (Total Current Assets 1.76b - Total Current Liabilities 1.80b) / Total Assets 9.19b |
| B: 0.27 (Retained Earnings 2.46b / Total Assets 9.19b) |
| C: 0.14 (EBIT TTM 1.28b / Avg Total Assets 8.95b) |
| D: 0.56 (Book Value of Equity 2.46b / Total Liabilities 4.40b) |
| Altman-Z'' Score: 2.39 = BBB |
Beneish M -2.96
| DSRI: 1.14 (Receivables 716.9m/552.4m, Revenue 3.63b/3.19b) |
| GMI: 0.96 (GM 64.98% / 62.38%) |
| AQI: 0.96 (AQ_t 0.63 / AQ_t-1 0.66) |
| SGI: 1.14 (Revenue 3.63b / 3.19b) |
| TATA: -0.09 (NI 729.4m - CFO 1.56b) / TA 9.19b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of AFYA shares?
Over the past week, the price has changed by +2.59%, over one month by -0.52%, over three months by +9.28% and over the past year by -6.29%.
Is AFYA a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 1
- StrongSell: 3
What are the forecasts/targets for the AFYA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 18.2 | 17.7% |
| Analysts Target Price | 18.2 | 17.7% |
| ValueRay Target Price | 15.5 | 0.5% |
AFYA Fundamental Data Overview February 02, 2026
P/E Trailing = 9.7662
P/E Forward = 7.6982
P/S = 0.3759
P/B = 1.4926
Revenue TTM = 3.63b BRL
EBIT TTM = 1.28b BRL
EBITDA TTM = 1.61b BRL
Long Term Debt = 996.8m BRL (from longTermDebt, last quarter)
Short Term Debt = 969.4m BRL (from shortTermDebt, last quarter)
Debt = 2.97b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.98b BRL (from netDebt column, last quarter)
Enterprise Value = 9.13b BRL (7.16b + Debt 2.97b - CCE 996.8m)
Interest Coverage Ratio = 2.66 (Ebit TTM 1.28b / Interest Expense TTM 480.9m)
EV/FCF = 7.27x (Enterprise Value 9.13b / FCF TTM 1.26b)
FCF Yield = 13.75% (FCF TTM 1.26b / Enterprise Value 9.13b)
FCF Margin = 34.56% (FCF TTM 1.26b / Revenue TTM 3.63b)
Net Margin = 20.08% (Net Income TTM 729.4m / Revenue TTM 3.63b)
Gross Margin = 64.98% ((Revenue TTM 3.63b - Cost of Revenue TTM 1.27b) / Revenue TTM)
Gross Margin QoQ = 63.39% (prev 62.72%)
Tobins Q-Ratio = 0.99 (Enterprise Value 9.13b / Total Assets 9.19b)
Interest Expense / Debt = 4.08% (Interest Expense 121.4m / Debt 2.97b)
Taxrate = 11.75% (21.2m / 180.6m)
NOPAT = 1.13b (EBIT 1.28b * (1 - 11.75%))
Current Ratio = 0.98 (Total Current Assets 1.76b / Total Current Liabilities 1.80b)
Debt / Equity = 0.63 (Debt 2.97b / totalStockholderEquity, last quarter 4.75b)
Debt / EBITDA = 1.23 (Net Debt 1.98b / EBITDA 1.61b)
Debt / FCF = 1.58 (Net Debt 1.98b / FCF TTM 1.26b)
Total Stockholder Equity = 4.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.15% (Net Income 729.4m / Total Assets 9.19b)
RoE = 16.20% (Net Income TTM 729.4m / Total Stockholder Equity 4.50b)
RoCE = 23.23% (EBIT 1.28b / Capital Employed (Equity 4.50b + L.T.Debt 996.8m))
RoIC = 16.99% (NOPAT 1.13b / Invested Capital 6.64b)
WACC = 6.78% (E(7.16b)/V(10.13b) * Re(8.10%) + D(2.97b)/V(10.13b) * Rd(4.08%) * (1-Tc(0.12)))
Discount Rate = 8.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.38%
[DCF Debug] Terminal Value 85.35% ; FCFF base≈1.11b ; Y1≈1.37b ; Y5≈2.33b
Fair Price DCF = 1070 (EV 52.16b - Net Debt 1.98b = Equity 50.18b / Shares 46.9m; r=6.78% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 1.37 | EPS CAGR: -47.49% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.26 | Revenue CAGR: 18.06% | SUE: 0.00 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.99 | Chg30d=-0.115 | Revisions Net=-1 | Analysts=2
EPS next Year (2026-12-31): EPS=9.83 | Chg30d=-0.277 | Revisions Net=-2 | Growth EPS=+6.3% | Growth Revenue=+7.5%