AFYA
NEUTRAL
$13.76
Live
Afya Limited · NASDAQ
Target $16.88
(+22.7%)
$13.0
52W Range
$19.9
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$1.25B
P/E
8.94
ROE
16.7%
Profit margin
20.1%
Debt/Equity
0.62
Dividend yield
4.82%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
AFYA's Piotroski F-Score of 4/9 indicates a borderline stable financial health, falling short of strong fundamentals. The absence of an Altman Z-Score raises concern about default risk, especially given a current ratio of 0.98 and quick ratio of 0.95, suggesting liquidity pressure. Despite this, the company exhibits strong profitability with a 20.08% net margin and 29.88% operating margin, and delivers robust earnings growth of 29.8% YoY. The stock trades at a significant discount to its intrinsic value of $45.43 and Graham Number of $18.59, implying undervaluation, though technicals are bearish and analyst sentiment is underperform. The dividend is sustainable with a low payout ratio of 16.73%, but the 4.82% yield may not compensate for the lack of momentum.
Key Strengths
High profitability with 20.08% net margin and 29.88% operating margin
Strong earnings growth of 29.8% YoY and 29.3% Q/Q
Significant undervaluation relative to intrinsic value ($45.43) and Graham Number ($18.59)
Low dividend payout ratio (16.73%) indicating strong sustainability
Consistent earnings beat history with 3 out of last 4 quarters exceeding estimates
Key Risks
Piotroski F-Score of 4/9 signals weak financial health, below the 7-9 threshold for strong companies
Current and quick ratios below 1.0 indicate potential short-term liquidity risk
No Altman Z-Score available, raising unquantified bankruptcy risk
Bearish technical trend (0/100) and declining price momentum over 6 months
Analyst consensus is 'underperform' with 9 analysts covering the stock, limiting upside catalysts
AI Fair Value Estimate
Based on comprehensive analysis
$45.43
+230.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
69
Strong
88
76
70
45
65
AI Verdict
neutral
Key drivers: Strong earnings growth and profitability, Significant undervaluation relative to intrinsic value, Weak financial health per Piotroski F-Score, Liquidity concerns due to current ratio < 1.0, Bearish technicals and negative analyst sentiment
Confidence
78%
Value
88/100
Ref P/E, PEG, Graham Number
Positives
- Current price of $13.76 is well below intrinsic value of $45.43
- Graham Number of $18.59 is above current price
- P/E of 8.94 is significantly below sector average of 29.82
Watchpoints
- PEG ratio not available, limiting growth-adjusted valuation analysis
- Price/Sales of 0.34 may indicate low market confidence in revenue quality
Future
76/100
Ref Growth rates
Positives
- 29.8% YoY earnings growth and 10.4% revenue growth indicate strong momentum
- Recent quarters show consistent earnings beats with average surprise of 16.63%
- Q/Q earnings growth of 29.3% suggests acceleration
Watchpoints
- No forward PEG ratio available to assess growth sustainability
- Lack of guidance or forward metrics limits confidence in future projections
Past
70/100
Ref Historical trends
Positives
- 25 consecutive quarters of earnings reporting with 19 positive surprises
- Historical EPS growth of 7.1% YoY and 8.2% Q/Q in most recent period
- Strong performance in 2022–2024 with multiple quarters exceeding estimates by >15%
Watchpoints
- Two quarters in 2021 showed negative surprises (>30%)
- 2023 saw two quarters with slight misses or near-misses
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.62 is moderate and below sector average of 1.72
- Positive operating cash flow and strong ROE of 16.72%
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Current ratio (0.98) and quick ratio (0.95) below 1.0 suggest liquidity strain
- No Altman Z-Score available, which is a critical red flag for default risk
Dividend
65/100
Ref Yield, Payout
Positives
- Dividend yield of 4.82% is attractive for a defensive sector stock
- Payout ratio of 16.73% is very low, indicating high safety
Watchpoints
- No 5-year average yield available, limiting trend analysis
- Ex-dividend date not disclosed, reducing transparency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.76
Analyst Target
$16.88
Upside/Downside
+22.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AFYA and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AFYA
Afya Limited
Primary
|
-35.4% | +25.8% | -14.1% | -11.8% | -11.3% | -0.7% |
|
LINC
Lincoln Educational Services Corporation
Peer
|
+549.6% | +536.5% | +143.2% | +91.9% | +10.8% | -2.1% |
|
APEI
American Public Education, Inc.
Peer
|
+68.2% | +522.7% | +173.3% | +61.5% | +33.4% | +28.1% |
|
JBSS
John B. Sanfilippo & Son, Inc.
Peer
|
+8.7% | -6.4% | +29.0% | +35.0% | +8.4% | +0.3% |
|
AVO
Mission Produce, Inc.
Peer
|
-17.1% | +10.2% | +11.6% | +11.7% | +14.5% | +8.2% |
AFY
Afya Limited
Primary
5Y
-35.4%
3Y
+25.8%
1Y
-14.1%
6M
-11.8%
1M
-11.3%
1W
-0.7%
LIN
Lincoln Educational Services Corporation
Peer
5Y
+549.6%
3Y
+536.5%
1Y
+143.2%
6M
+91.9%
1M
+10.8%
1W
-2.1%
APE
American Public Education, Inc.
Peer
5Y
+68.2%
3Y
+522.7%
1Y
+173.3%
6M
+61.5%
1M
+33.4%
1W
+28.1%
JBS
John B. Sanfilippo & Son, Inc.
Peer
5Y
+8.7%
3Y
-6.4%
1Y
+29.0%
6M
+35.0%
1M
+8.4%
1W
+0.3%
AVO
Mission Produce, Inc.
Peer
5Y
-17.1%
3Y
+10.2%
1Y
+11.6%
6M
+11.7%
1M
+14.5%
1W
+8.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.94
Forward P/E
6.66
PEG Ratio
N/A
P/B Ratio
1.38
P/S Ratio
0.34
EV/Revenue
0.9
EV/EBITDA
2.33
Market Cap
$1.25B
Profitability
Profit margins and return metrics
Profit Margin
20.08%
Operating Margin
29.88%
Gross Margin
64.98%
ROE
16.72%
ROA
8.34%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.4%
Earnings Growth
+29.8%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+29.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.62
Moderate
Current Ratio
0.98
Weak
Quick Ratio
0.95
Poor
Cash/Share
$10.99
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-03-12
$2.25
+20.1% surprise
2025-11-12
$2.08
+17.3% surprise
2025-08-13
$2.27
+12.5% surprise
Consumer Defensive Sector Comparison
Comparing AFYA against 85 companies in the Consumer Defensive sector
(5 bullish, 37 neutral, 43 bearish)
P/E Ratio
8.94
This Stock
vs
30.55
Sector Avg
-70.7%
(Discount)
Return on Equity (ROE)
16.72%
This Stock
vs
-22.11%
Sector Avg
-175.6%
(Below Avg)
Profit Margin
20.08%
This Stock
vs
-6.11%
Sector Avg
-428.5%
(Weaker)
Debt to Equity
0.62
This Stock
vs
1.37
Sector Avg
-54.5%
(Less Debt)
Revenue Growth
10.4%
This Stock
vs
4.24%
Sector Avg
+145.5%
(Fast Growth)
Current Ratio
0.98
This Stock
vs
2.27
Sector Avg
-56.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AFYA
Afya Limited
|
NEUTRAL | $1.25B | 8.94 | 16.7% | 20.1% | $13.76 | |
|
LINC
Lincoln Educational...
|
NEUTRAL | $1.3B | 63.84 | 10.6% | 3.9% | $40.86 | Compare |
|
APEI
American Public Education, Inc.
|
BEARISH | $1.04B | 44.02 | 10.5% | 4.9% | $57.66 | Compare |
|
JBSS
John B. Sanfilippo & Son, Inc.
|
NEUTRAL | $963.93M | 13.77 | 20.2% | 6.2% | $82.48 | Compare |
|
AVO
Mission Produce, Inc.
|
NEUTRAL | $953.5M | 25.4 | 6.8% | 2.7% | $13.46 | Compare |
AFYA
Afya Limited
NEUTRAL
Mkt Cap
$1.2B
P/E
8.9
ROE
16.7%
Price
$13.76
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
UNDERPERFORM
9 analysts
B of A Securities
2026-02-24
Buy
Neutral
Morgan Stanley
2026-02-13
Equal-Weight
Underweight
UBS
2026-01-16
Buy
Neutral
UBS
2026-01-08
Buy
Buy
JP Morgan
2026-01-07
Overweight
Neutral
Past News Coverage
Recent headlines mentioning AFYA from our newsroom.
Newest → oldest
No matching news yet.