Overview Dividends

(AFYA) Afya - Ratings and Ratios

Exchange: NASDAQ • Country: Brazil • Currency: USD • Type: Common Stock • ISIN: KYG011251066

Medical, Courses, Simulation, Residency, Books

AFYA EPS (Earnings per Share)

EPS Growth (3Y CAGR): 39.45%
EPS Trend (3Y Correlation): 86.8%

AFYA Revenue

Revenue Growth (3Y CAGR): 16.11%
Revenue Trend (3Y Correlation): 96.3%

Description: AFYA Afya

Afya Ltd (NASDAQ:AFYA) is a Brazilian education services company, operating in the rapidly growing market of educational services. The companys stock is listed as common stock, providing shareholders with ownership and voting rights.

To evaluate Afyas financial health, we can examine key performance indicators (KPIs) such as revenue growth, profit margins, and return on equity (RoE). With a RoE of 16.19%, Afya demonstrates a relatively strong ability to generate profits from shareholder equity. Additionally, the forward price-to-earnings (P/E) ratio of 8.97 suggests that the market expects earnings to grow, potentially driving the stock price up.

The education services industry in Brazil is driven by key economic factors, including government policies supporting education, demographic changes (e.g., a growing youth population), and increasing demand for higher education. Afyas market position and competitive advantages, such as brand recognition and scale, are crucial in determining its ability to capitalize on these trends. The companys market capitalization of $1.328 billion indicates a significant presence in the market.

To further assess Afyas stock, we can analyze its valuation multiples, such as the P/E ratio of 10.84, which may indicate whether the stock is undervalued or overvalued relative to its earnings. Comparing this multiple to industry peers and the overall market can provide insights into Afyas relative attractiveness.

From a trading perspective, Afyas stock has a beta of 0.541, suggesting relatively lower volatility compared to the overall market. This, combined with an average trading volume of 115,397 shares, indicates a reasonably liquid stock with some price stability.

AFYA Stock Overview

Market Cap in USD	1,349m
Sub-Industry	Education Services
IPO / Inception	2019-07-19

AFYA Stock Ratings

Growth Rating	-23.1
Fundamental	91.6%
Dividend Rating	1.0
Rel. Strength	-34.1
Analysts	2.67 of 5
Fair Price Momentum	13.32 USD
Fair Price DCF	791.16 USD

AFYA Dividends

Dividend Yield 12m	1.47%
Yield on Cost 5y	0.95%
Annual Growth 5y	%
Payout Consistency	1.0%
Payout Ratio	2.5%

AFYA Growth Ratios

Growth Correlation 3m	-92%
Growth Correlation 12m	9.4%
Growth Correlation 5y	-24.6%
CAGR 5y	-9.22%
CAGR/Max DD 5y	-0.14
Sharpe Ratio 12m	-0.13
Alpha	-32.85
Beta	0.683
Volatility	33.25%
Current Volume	89.1k
Average Volume 20d	129.7k
Stop Loss	14.5 (-3.7%)
Signal	-1.58

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (680.1m TTM) > 0 and > 6% of Revenue (6% = 206.2m TTM)

FCFTA 0.12 (>2.0%) and ΔFCFTA 1.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 16.24% (prev 9.37%; Δ 6.87pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.16 (>3.0%) and CFO 1.48b > Net Income 680.1m (YES >=105%, WARN >=100%)

Net Debt (1.06b) to EBITDA (1.39b) ratio: 0.76 <= 3.0 (WARN <= 3.5)

Current Ratio 1.42 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (97.3m) change vs 12m ago -0.04% (target <= -2.0% for YES)

Gross Margin 63.55% (prev 61.90%; Δ 1.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 40.90% (prev 38.62%; Δ 2.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.80 (EBITDA TTM 1.39b / Interest Expense TTM 394.4m) >= 6 (WARN >= 3)

Altman Z'' 2.53

(A) 0.06 = (Total Current Assets 1.88b - Total Current Liabilities 1.32b) / Total Assets 9.11b

(B) 0.23 = Retained Earnings (Balance) 2.13b / Total Assets 9.11b

(D) 0.46 = Book Value of Equity 2.13b / Total Liabilities 4.67b

Total Rating: 2.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 91.62

1. Piotroski 6.50pt = 1.50

2. FCF Yield 13.42% = 5.0

3. FCF Margin 32.65% = 7.50

4. Debt/Equity 0.50 = 2.38

5. Debt/Ebitda 1.60 = 0.78

6. ROIC - WACC 9.29% = 11.61

7. RoE 16.19% = 1.35

8. Rev. Trend 96.33% = 4.82

9. Rev. CAGR 16.11% = 2.01

10. EPS Trend 86.75% = 2.17

11. EPS CAGR 39.45% = 2.50

What is the price of AFYA shares?

As of August 17, 2025, the stock is trading at USD 15.06 with a total of 89,058 shares traded.
Over the past week, the price has changed by +2.10%, over one month by -3.03%, over three months by -22.17% and over the past year by -19.37%.

Is Afya a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Afya (NASDAQ:AFYA) is currently (August 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 91.62 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AFYA is around 13.32 USD . This means that AFYA is currently overvalued and has a potential downside of -11.55%.

Is AFYA a buy, sell or hold?

Afya has received a consensus analysts rating of 2.67. Therefor, it is recommend to hold AFYA.

Strong Buy: 1
Buy: 2
Hold: 2
Sell: 1
Strong Sell: 3

What are the forecasts/targets for the AFYA price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	19.7	30.7%
Analysts Target Price	19.7	31.1%
ValueRay Target Price	14.7	-2.2%

Last update: 2025-08-15 02:50

AFYA Fundamental Data Overview

Market Cap BRL = 7.30b (1.35b USD * 5.4135 USD.BRL)
CCE Cash And Equivalents = 1.15b BRL (Cash only, last quarter)
P/E Trailing = 10.8905
P/E Forward = 8.9526
P/S = 0.3924
P/B = 1.6411
Beta = 0.541
Revenue TTM = 3.44b BRL
EBIT TTM = 1.11b BRL
EBITDA TTM = 1.39b BRL
Long Term Debt = 1.84b BRL (from longTermDebt, last quarter)
Short Term Debt = 373.3m BRL (from shortLongTermDebt, last quarter)
Debt = 2.21b BRL (Calculated: Short Term 373.3m + Long Term 1.84b)
Net Debt = 1.06b BRL (from netDebt column, last quarter)
Enterprise Value = 8.36b BRL (7.30b + Debt 2.21b - CCE 1.15b)
Interest Coverage Ratio = 2.80 (Ebit TTM 1.11b / Interest Expense TTM 394.4m)
FCF Yield = 13.42% (FCF TTM 1.12b / Enterprise Value 8.36b)
FCF Margin = 32.65% (FCF TTM 1.12b / Revenue TTM 3.44b)
Net Margin = 19.79% (Net Income TTM 680.1m / Revenue TTM 3.44b)
Gross Margin = 63.55% ((Revenue TTM 3.44b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Tobins Q-Ratio = 3.92 (Enterprise Value 8.36b / Book Value Of Equity 2.13b)
Interest Expense / Debt = 4.81% (Interest Expense 106.5m / Debt 2.21b)
Taxrate = 4.06% (from yearly Income Tax Expense: 27.5m / 676.4m)
NOPAT = 1.06b (EBIT 1.11b * (1 - 4.06%))
Current Ratio = 1.42 (Total Current Assets 1.88b / Total Current Liabilities 1.32b)
Debt / Equity = 0.50 (Debt 2.21b / last Quarter total Stockholder Equity 4.40b)
Debt / EBITDA = 1.60 (Net Debt 1.06b / EBITDA 1.39b)
Debt / FCF = 1.97 (Debt 2.21b / FCF TTM 1.12b)
Total Stockholder Equity = 4.20b (last 4 quarters mean)
RoA = 7.46% (Net Income 680.1m, Total Assets 9.11b )
RoE = 16.19% (Net Income TTM 680.1m / Total Stockholder Equity 4.20b)
RoCE = 18.31% (Ebit 1.11b / (Equity 4.20b + L.T.Debt 1.84b))
RoIC = 16.91% (NOPAT 1.06b / Invested Capital 6.27b)
WACC = 7.62% (E(7.30b)/V(9.51b) * Re(8.53%)) + (D(2.21b)/V(9.51b) * Rd(4.81%) * (1-Tc(0.04)))
Shares Correlation 5-Years: 40.0 | Cagr: 0.75%
Discount Rate = 8.53% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 80.39% ; FCFE base≈1.01b ; Y1≈1.29b ; Y5≈2.40b
Fair Price DCF = 791.2 (DCF Value 36.86b / Shares Outstanding 46.6m; 5y FCF grow 30.0% → 3.0% )
Revenue Correlation: 96.33 | Revenue CAGR: 16.11%
Revenue Growth Correlation: -55.55%
EPS Correlation: 86.75 | EPS CAGR: 39.45%
EPS Growth Correlation: -20.12%

Additional Sources for AFYA Stock

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