⬤ Loading…
Afya Limited
…
NASDAQ: AFYA Consumer Staples Education & Training Services 🔎 Screen
🏹 Trader: 🎯 Near 52W High | BRS 65 Forming View all →
$1.3B
Market Cap
10.3
P/E
0.49
PEG
16.1%
ROCE
16.7%
ROE
0.61
D/E
32.8%
OPM
-10.3%
% from 52W High
34
α RS
🔍 AFYA is showing a high-conviction setup because it matches 8 of 37 tracked screener presets, Sector RRG has Consumer Staples in the Leading quadrant with the trail still strengthening, and an ECS of 55.1 last quarter. Net: Broad signal stack, not a recommendation. ? Conviction RRG ECS
Sources
Conviction 8/37 · Consumer Staples in Leading quadrant · ECS 55.1
⚖️ Compare 🔒 Generate Report 🔒 Research Packet 📚 Guides
🌏 Global Investor Returns
Currency-adjusted total returns for AFYA including FX impact
🌏
Click 🌏 Returns tab to load data
📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Sector Averages
About

Afya Limited operates as a medical education group in Brazil.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
Loading…
🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
📊 MIXED Afya Q1 2026: Revenue BRL 1.013B, Adj. EBITDA BRL 511M, 3,768 med seats
Revenue & Profitability
Revenue increased 8% year-over-year to BRL 1.013 billion. Adjusted EBITDA grew 4% to BRL 511 million (margin 50.5%). Net income reached BRL 262 million (+2%), with EPS of BRL 2.88 (+3%). Free cash flow was BRL 376 million (+3%), and cash from operations was BRL 473 million. Net debt stood at BRL 1.151 billion (0.7x leverage).
Outlook
Management sees stable demand for medical education, with a healthy intake cycle for first-half 2026 and better lead generation for second-half intake compared to last year. The non-medical health undergrad segment grew 20% organically. They expect better Enamed exam results in September 2026, and the M&A pipeline remains active but with disciplined return targets.
Growth Drivers
Key growth levers include: medical school ticket increases of ~5% YoY above inflation; 20% organic growth in non-medical health undergraduate students; record Continuing Education B2B revenue (BRL 74 million) with a 57,000 student base; and Medical Practice Solutions B2B revenue growth of 17% driven by iClinic and increasing prescriptions (2 million/month). Expansion of the health undergraduate portfolio and integration of solutions into the Afya One platform are additional drivers.
Balance Sheet & CapEx
CapEx in Q1 2026 was concentrated on intangible assets (software, AI features) rather than property and equipment, reflecting investment in product integration and platform development for Medical Practice Solutions. Sales and marketing expenses increased for Undergrad (centralized intake) and MPS (sales team expansion). Investments in Whitebook are focused on audience growth, with revenue impact expected from 2027 onward. No specific CapEx guidance was provided.
Margins
Adjusted EBITDA margin declined 200 basis points year-over-year to 50.5%, driven by higher costs in Continuing Education and Medical Practice Solutions (lower gross margin, higher payroll and sales/marketing expenses). Undergraduate gross margin remained stable at 69%. Management indicated these investments are embedded in full-year guidance and are expected to support future margin recovery.
Key Risks
Risks flagged include: potential impact from the Enamed exam recalibration on medical student performance and occupancy (though minimal in 2026 guidance); provision for OECD Pillar Two global minimum tax (partially offset net income); higher expenses in CE and MPS segments pressuring margins; competition from free AI tools in Whitebook; and M&A constraints from valuation asymmetry and difficulty finding targets meeting return thresholds.
Generated by AI · Q1 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
🔍
🔎 See cross-company document search → ?
📞 Earnings Call Transcripts (5)
Q1 2026 Q1 2026 2026-05-07
Revenue rose 8% year-over-year to BRL 1.013 billion, with net income up 2% and strong cash flow. Growth was driven by higher medical course tickets, expanding health programs, and investments in digital solutions, despite margin pressure from increased costs.
Q4 2025 Q4 2025 2026-03-12
Delivered strong 2025 results with 12% revenue and 18% net income growth, robust cash flow, and a 19% EPS increase. 2026 guidance anticipates continued growth, with investments in technology and integration expected to impact margins.
Q3 2025 Q3 2025 2025-11-12
Strong revenue and profit growth continued, with margin expansion and robust cash generation. Capital allocation remains flexible, balancing M&A, buybacks, and dividends, while tax rates are expected to rise due to new regulations.
Q2 2025 Q2 2025 2025-08-13
Q2 and H1 2025 saw double-digit revenue and EBITDA growth, margin expansion, and strong cash flow, driven by robust performance across all segments and disciplined capital allocation. Guidance for 2025 is reaffirmed, with tax and competitive pressures being actively managed.
Q1 2025 Q1 2025 2025-05-08
Revenue grew 16% year-over-year, with adjusted EBITDA up 24% and net income up 23%. Strong operational performance drove margin expansion, robust cash flow, and reduced net debt. Guidance remains unchanged, with continued growth expected across all segments.
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Catalyst Timeline.

Every result, order win, insider trade, ECS update, earnings-call, and SEC announcement for this company — in one chronological lane.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.