Afya Limited (AFYA) Fair Value & Analysis
Consumer Defensive · US · Market cap $1.3B
Afya Limited
AFYA · US
Fair value as of: Jul 5, 2026
From 24 valuation models · updated 36 days ago
Fair value updated Jul 5, 2026, revised from $40.19 to $25.98 (−35.4%) since Jun 25, 2026. Share price −6.2% over the past month.
A solid business, screening 87% undervalued on our models.
What matters now
- The model range is unusually wide ($13.46 to $38.35). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 5, 2026.
How to read this chart
60‑month range $8.53 – $26.32 · fair‑value band $13.46 – $38.35 · the $13.90 price screens below the $25.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 5, 2026.
Analysis
Afya Limited (AFYA) currently trades at $13.90, while our model-based Fair Value estimate is $25.98, implying the stock looks roughly 86.9% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Consumer Defensive sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Afya Limited generated revenue of $3.8B at a net margin of 20.1%. Revenue grew 8.2% year over year. It earns a return on equity of 16.8%. Net debt stands at $2.0B. Fundamentals as of Jul 5, 2026
Our scenario range runs from $13.46 (bear case) to $38.35 (bull case); at $13.90, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at 17% fair-value upside, at 87%, AFYA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 24 models by family
Widest divergence: Growth Earnings ($291.19) versus Asset-Based ($35.60). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 54
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Afya Limited operates as a medical education group in Brazil. The company operates in three segments: Undergraduate, Continuing Education, and Medical Practice Solutions.
Full company description
Afya Limited operates as a medical education group in Brazil. The company operates in three segments: Undergraduate, Continuing Education, and Medical Practice Solutions. The Undergraduate segment offers educational services through undergraduate courses related to medical school, health sciences, and other non-health undergraduate programs, including medicine, dentistry, nursing, radiology, psychology, pharmacy, physical education, physiotherapy, nutrition, biomedicine, business administration, accounting, law, civil and industrial engineering, and pedagogy. The Continuing Education segment provides medical education, including residency preparation programs, specialization test preparation, graduate courses in medicine, and digital and in-person professional development for physicians and medical students. The Medical Practice Solutions segment offers clinical decision support platforms, medical practice management software, healthcare financial services, and digital healthcare ecosystem solutions, such as electronic medical records, practice management tools, telemedicine, digital prescriptions, and doctor-patient relationship platforms. This segment also provides a subscription-based mobile app and website portal that focuses on assisting health professionals and students with clinical decision-making through tools, such as medical calculators, charts, and updated content, as well as prescriptions, clinical scores, medical procedures and laboratory exams, and others. The company also offers educational health and medical imaging; and other programs to lifelong medical learners enrolled across its distribution network, as well as to third-party medical schools. In addition, it offers printed and digital content, as well as an online medical education platform and physicians, healthcare professionals and students. Afya Limited was founded in 1999 and is headquartered in Belo Horizonte, Brazil.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Afya Limited reported revenue of R$3.6B in FY2025 versus R$1.7B in FY2021, a compound +20.5%/yr. Reported net income was R$738M in FY2025, compounding +34.8%/yr from FY2021.
Watch AFYA: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Afya Announces Appointment of Marcelo Ken Suhara as the Chair Member of the Audit, Risks and Ethics Committee
- Implied Volatility Surging for Afya Stock Options
- Afya Limited Announces Results of Annual General Meeting Held on June 22, 2026
- Are Investors Undervaluing Afya (AFYA) Right Now?
Peer Group
Education & Training Services · 148 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Education & Training Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Education & Training Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| New Oriental Education & Technology Group EDUN | 966.48 MXN | 897.37 MXN | -7% |
| TAL Education Group TAL | $10.24 | $15.60 | +52% |
| Laureate Education, Inc LAUR | $36.45 | $41.45 | +14% |
| Physicswallah Limited PWL | ₹131.59 | ₹14.81 | -89% |
| Grand Canyon Education, Inc LOPE | $149.00 | $152.01 | +2% |
| Covista Inc CVSA | $116.22 | $135.45 | +17% |
| Stride, Inc LRN | $83.39 | $139.45 | +67% |
| Universal Technical Institute, Inc UTI | $40.33 | $21.35 | -47% |
| Perdoceo Education Corporation PRDO | $31.66 | $41.45 | +31% |
| Strategic Education, Inc STRA | $84.18 | $105.48 | +25% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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