# Afya Limited Class A (AFYA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Consumer Defensive / Household Products. Price $14.68, market value $1.3 billion.

## Valuation
- **P/E (trailing): 8.6×** (5-yr avg 3.7×, 3-yr avg 2.9×). Afya Limited Class A trades at 8.6× trailing earnings, well above its own five-year average of 3.7×: investors are paying up relative to the company's past. The Consumer Defensive median in the September 2026 study was 20.1×. Forward P/E is 7.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.39**. A PEG of 0.39 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.7×**. Each dollar of revenue is priced at 1.7×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 4.4×**. Enterprise value is 4.4× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 18.9%** (5-yr avg 67.0%). Free cash flow equals 18.9% of the market value, below its five-year average of 67.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 11.6%**. The inverse of the P/E: 11.6% of the price is earned each year.

## Profitability
- **Gross margin: 64.0%**. Afya Limited Class A keeps 64.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 32.6%**. 32.6% of revenue is left after running the business, an exceptional level.
- **Net margin: 20.8%**. 20.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.7%**. 15.7% on shareholders' equity is solid.
- **Return on invested capital: 19.2%**. Return on all capital, debt included, is 19.2%: comfortably above what that capital costs.
- **Return on assets: 8.4%**. Each dollar of assets produces 8.4% of profit.

## Growth
- **Revenue growth (1 yr): 11.9%** (3-yr 16.7%/yr, 5-yr 25.2%/yr). Revenue grew 11.9% over the last year, against 25.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 18.9%** (3-yr 26.0%/yr, 5-yr 21.4%/yr). Earnings per share rose 18.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 26.4%/yr**. Free cash flow has compounded at 26.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.42**. Debt is 0.42 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 0.5×**. It would take 0.5 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 2.7×**. Operating profit covers interest 2.7×, thin but manageable.
- **Altman Z-score: 1.73**. A Z-score of 1.73 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.48%** ($0.66 per share, trailing). Afya Limited Class A yields 4.48%, an income-level yield.
- **Payout ratio: 19%**. 19% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.

## Analyst view
- **Analyst consensus: underperform** (9 analysts). 9 analysts cover Afya Limited Class A; the consensus is underperform, with an average price target of $16.77 (+14% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 3.0%** (YTD -0.5%, 3-mo 1.7%). The shares are up 3.0% over twelve months including dividends.
- **From 52-week high: -11.0%** (12.9% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.36** (volatility 28%). Beta of 0.36 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AFYA · Page: https://foliofundamentals.com/stocks/afya

Not investment advice.