Afya Ltd
Afya Ltd Class A Common Shares represent equity in Afya Ltd, a Brazil-based medical education and healthcare practice solutions company. Afya focuses on an integrated physician-centered platform that supports students and doctors through undergraduate medical education, residency preparation, continuing education, postgraduate programs, and digital practice-management tools. Its business is organized around education services, digital content, residency preparatory and specialization programs, and medical practice solutions, giving it a broad role across the medical training lifecycle. The company serves medical students, practicing physicians, and healthcare professionals seeking educational content and professional support tools. Afya’s Class A common shares are one class of its publicly traded equity and carry standard voting and ownership rights within the company’s share structure.
$14.53
+$0.01 (+0.07%)
EOD Oct 16, 2026
32.81% operating margin is above average. ROIC at 13.98%.
Revenue up 11.9% YoY with margins expanding 2.2pp.
Even for strong businesses, today's 8x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
8.5x earnings, 5.2x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
BRL 3.83B
▲ +11.9% YoY
Net Income (TTM)
BRL 798M
▲ +18.4% YoY
Op. Margin
32.60%
▲ +2.2pp YoY
ROIC
13.98%
Cash Flow & Balance Sheet
FCF (TTM)
BRL 1.26B
▲ +12.3% YoY
Op. Cash Flow (TTM)
BRL 1.56B
▲ +8.7% YoY
Net Debt
BRL 1.99B
Cash & Equiv.
BRL 1.13B
3Y CAGR: +16.7%
3Y CAGR: +28.8%
Continue Research
Is Afya (AFYA) overvalued?
At a P/E of 8.5 and a price-to-free-cash-flow of 5.2, Afya (AFYA) trades below a two-stage DCF intrinsic value of about BRL 689.30 per share, so at BRL 14.53 the stock looks undervalued (4,644.0% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Afya scores 90/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 0.9%; see dividend safety for coverage and history. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Afya's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about BRL 689.30 per share for AFYA, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around BRL 516.97. At today's BRL 14.53, that puts the stock about 4,644.0% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Afya a high-quality business?+
Afya scores 90 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 32.6% operating margin and a 14.0% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Does Afya (AFYA) pay a dividend, and how much?+
Yes, Afya pays a regular dividend of about BRL 0.66 per share per year (typically in quarterly installments), a yield of roughly 0.9% at the current price. That is a payout ratio of about 7.4% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AFYA's full payout history, growth streak and dividend-safety score, see the dividends tab.
Is Afya a good stock to buy right now?+
That depends on valuation and quality together, not either alone. AFYA currently trades below its estimated intrinsic value and scores 90/100 on quality (high-quality). It also yields about 0.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.