GAEC Educacao SA (ANIM3) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of GAEC Educacao SA BRL 7.95, price BRL 5.29, upside +50.3%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range R$1.46 – R$11.39 · fair‑value band R$5.57 – R$10.34 · the R$5.29 price screens below the R$7.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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Ânima Holding S.A. offers education services in Brazil. It operates in two segments, Inspirali Education Doctor and Anima Core. The company provides educational services in higher education and professional training courses; and professional development services in postgraduate courses. It also offers advisory and consultancy services.
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Ânima Holding S.A. offers education services in Brazil. It operates in two segments, Inspirali Education Doctor and Anima Core. The company provides educational services in higher education and professional training courses; and professional development services in postgraduate courses. It also offers advisory and consultancy services. The company was founded in 2003 and is based in São Paulo, Brazil.
Stock analysis
GAEC Educacao SA (ANIM3) currently trades at R$5.29, while our model-based Fair Value estimate is R$7.95, implying the stock looks roughly 33.5% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of R$14.17 per share, and 19 of the 26 models we run sit above the R$5.29 price.
Bear case: the Dividend Discount group reads lowest at R$1.00, and 7 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: R$5.57 (bear) to R$10.34 (bull), the price of R$5.29 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Consumer Defensive sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
GAEC Educacao SA reported revenue of R$4.0B in FY2025 versus R$2.7B in FY2021, a compound +11.0%/yr. Reported net income was R$124M in FY2025.
Key figures
Market cap R$2.0B (≈ $401M) · P/E ratio 12.9 · P/S ratio 0.40 · EPS (TTM) R$0.4100 · Dividend yield 6.3% · Net margin 3.1% · Return on equity 9.6% · Return on assets (EBIT) 6.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 174% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 26% fair-value upside, at 50%, ANIM3 screens cheaper than that median.
Fair Value models
Bear R$5.57Fair Value R$7.95Bull R$10.34
Price R$5.29 · Upside +50.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$0.3201 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual IncomeR$4.23R$4.13R$4.2676
Growth DCFR$12.61R$25.00R$41.2975
FCF DCFR$13.27R$24.70R$49.5974
All 26 models by family
DCF Models
FCF DCFR$13.27R$24.70R$49.5974
Owner EarningsR$13.96R$28.77R$52.4472
5Y Revenue ExitR$4.61R$9.48R$15.7169
5Y EBITDA ExitR$11.42R$24.60R$41.7571
5Y P/E ExitR$5.05R$10.47R$16.6268
10Y Revenue ExitR$7.72R$13.52R$21.9964
10Y EBITDA ExitR$11.83R$23.40R$42.0164
10Y P/E ExitR$8.10R$14.17R$22.6962
Earnings-Based
Graham-DoddR$2.23R$13.10R$18.2463
Lynch FVR$3.71R$5.31R$6.9061
PEG = 1.0R$3.71R$5.31R$6.9057
EPVR$3.27R$4.27R$5.0873
Dividend Discount
Gordon GGMR$0.6300R$1.05R$1.3768
DDM Multi-StageR$0.6300R$1.00R$1.1367
Multiples
P/E MultipleR$5.40R$7.21R$9.0163
P/S MultipleR$4.18R$5.57R$6.9657
P/B MultipleR$4.18R$5.57R$6.9655
EV/EBITR$12.43R$18.25R$24.0864
EV/EBITDAR$11.51R$17.03R$22.5566
EV/Revenuen/aR$1.11R$2.9649
Asset-Based
NCAV (Graham)R$3.04R$4.08R$6.0953
Growth DCF
Growth DCFR$12.61R$25.00R$41.2975
Rev-Margin DCFR$4.61R$9.59R$16.5268
Economic Profit
Residual IncomeR$4.23R$4.13R$4.2676
ROIC CompounderR$3.27R$4.27R$5.0871
Growth Earnings
Growth-Adj P/ER$5.57R$7.95R$10.3467
P/S and P/B multiple show the same value here: both are capped by the same earnings anchor (earnings per share times 17), because margin and return on equity do not support the sector multiple.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.1%
Start year 2020 (pandemic). Over 10 years: +17.0% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.6%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
8.3% (2020) → 25.2% (2025)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+4.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (Brazil: IMF forecast 3.3% a year to 2030, 5.4% from 2016 to 2025) that is about +1.1% a year for the price and +2.5% for the forecasts.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Education & Training Services · 120 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Below median
Fair Value upside+50.3% · Above median
Profitability
Return on equity (TTM)9.6% · Above median
Return on assets13.5% · Top 25%
Net margin (TTM)7.7% · Above median
Operating margin (TTM)26.3% · Top 25%
Growth and dividend
Revenue growth4.4% · Above median
Dividend yield (TTM)6.3% · Top 25%
Balance sheet
Debt / equity1.82× · Highest 25%
Valuation Multiplesvs Education & Training Services median · lower = cheaper
P/E (TTM)12.9× · Cheaper than median
P/B0.87× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "GAEC Educacao SA Fair Value". https://www.fairvalue-calculator.com/stock/ANIM3
Frequently asked questions
Is GAEC Educacao SA (ANIM3) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of R$7.95 versus a price of R$5.29, about +50% upside (undervalued).
What is the fair value of ANIM3?
Our model-based fair value for GAEC Educacao SA is R$7.95 (as of Oct 2, 2026), built from audited fundamentals. The current price: R$5.29.
What is the quality score of ANIM3?
GAEC Educacao SA has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for GAEC Educacao SA (ANIM3)?
Our model-based price target is the fair value of R$7.95 (as of Oct 2, 2026) from 26 valuation models. Cautious scenario R$5.57, optimistic scenario R$10.34. It is a calculation from audited fundamentals, not an analyst target.
What is the GAEC Educacao SA stock forecast for 2026?
Our models put fair value at R$7.95, about +50% upside versus a price of R$5.29 (undervalued). Cautious scenario R$5.57, optimistic scenario R$10.34. The calculation is refreshed regularly with new filings.
What is the revenue of GAEC Educacao SA (ANIM3)?
GAEC Educacao SA reported trailing-twelve-month revenue of about R$4.1B (latest available figure, as of Oct 2, 2026).
Does GAEC Educacao SA pay a dividend?
GAEC Educacao SA currently shows a dividend yield of about 6.26% relative to its recent price (as of Oct 2, 2026).
What growth is priced into GAEC Educacao SA (ANIM3)?
For today's price to be fair in a discounted-cash-flow model, GAEC Educacao SA would have to grow free cash flow by +4.4 % per year for five years (discount rate 14.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +23.1 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of ANIM3 use?
Our models discount GAEC Educacao SA at 14.8 %: a base by market capitalisation (micro), damped by beta 0.76, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For GAEC Educacao SA that is +4.4 % per year a year over ten years, using the same discount rate (14.8 %) and the same formula as our fair value.
How much growth has GAEC Educacao SA (ANIM3) delivered so far?
Over the past 5 years revenue at GAEC Educacao SA grew +23.1 % a year. The price currently implies +4.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of GAEC Educacao SA (ANIM3) growing?
The median revenue growth in the sector is +4.2 % a year. That is the yardstick for the growth priced into GAEC Educacao SA (+4.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of GAEC Educacao SA (ANIM3)?
The free-cash-flow yield on the price is 26.90 %: that much free cash flow GAEC Educacao SA produces per unit of market value. When it exceeds the discount rate of our models (14.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of GAEC Educacao SA (ANIM3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GAEC Educacao SA it is R$7.95 per share (as of Oct 2, 2026), against a price of R$5.29. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is GAEC Educacao SA stock overvalued or undervalued in 2026?
As of Oct 2, 2026, ANIM3 trades below its calculated fair value: price R$5.29, fair value R$7.95, a gap of about +50% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ANIM3?
No. The price is what the market pays today (R$5.29); the fair value is what the company's own numbers justify (R$7.95). For GAEC Educacao SA the two are R$2.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is GAEC Educacao SA worth?
The market values GAEC Educacao SA at about R$2.0B (market capitalisation, as of Oct 2, 2026). Per share that is R$5.29; our models calculate a fair value of R$7.95 per share.
What do the bullish and bearish scenarios say about ANIM3?
Our models span a range for GAEC Educacao SA: cautious scenario R$5.57, base R$7.95, optimistic R$10.34 per share (as of Oct 2, 2026, price R$5.29). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ANIM3?
GAEC Educacao SA trades at a price-to-earnings ratio of 12.9 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$7.95 is built from several models across several years. Other multiples: PEG 0.2, P/B 0.9, P/S 1.0, EV/EBITDA 9.7.
What is the PEG ratio of ANIM3?
The PEG ratio of GAEC Educacao SA is 0.24 (P/E divided by earnings growth, as of Oct 2, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of GAEC Educacao SA (ANIM3)?
Balance-sheet figures for GAEC Educacao SA (as of Oct 2, 2026): return on equity 9.6%, debt of 1.82 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is ANIM3 from its 52-week high?
GAEC Educacao SA trades at R$5.29, at its 52-week high of R$5.29 and 174% above the low of R$1.93 (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of R$7.95 is for.
Which stocks are comparable to GAEC Educacao SA?
From the same area (Consumer Defensive) we also value New Oriental Education & Technology Group, TAL Education Group, Laureate Education, Inc, Covista Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is GAEC Educacao SA stock attractive at the current price?
The data as of Oct 2, 2026: price R$5.29, calculated fair value R$7.95 (+50%), Quality Score 57/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ANIM3 calculated?
We run GAEC Educacao SA through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$7.95, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. GAEC Educacao SA currently trades 33 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of GAEC Educacao SA (ANIM3)?
The closing price on Oct 9, 2026 was R$5.29. Our model-based fair value is R$7.95, about +50% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GAEC Educacao SA right now?
The price is below even our cautious bear case (R$5.57). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (R$5.57 to R$10.34) leaves room in how you read the outcome.
Key figures of GAEC Educacao SA
How large is the market capitalisation of GAEC Educacao SA (ANIM3)?
The market capitalisation of GAEC Educacao SA is R$2.0B (≈ $401M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of GAEC Educacao SA (ANIM3)?
The price-to-sales ratio of GAEC Educacao SA is 0.40 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of GAEC Educacao SA (ANIM3)?
Earnings per share at GAEC Educacao SA are R$0.4100 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of GAEC Educacao SA (ANIM3)?
The dividend yield of GAEC Educacao SA is 6.3% (payout 80.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of GAEC Educacao SA (ANIM3)?
The net margin of GAEC Educacao SA is 3.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of GAEC Educacao SA (ANIM3)?
The return on equity (ROE) of GAEC Educacao SA is 9.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of GAEC Educacao SA (ANIM3)?
On an EBIT basis the return on assets of GAEC Educacao SA is 6.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of GAEC Educacao SA (ANIM3)?
The operating margin of GAEC Educacao SA is 26.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GAEC Educacao SA (ANIM3)?
Revenue at GAEC Educacao SA is growing +4.4% versus a year earlier (3y avg +4.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at GAEC Educacao SA (ANIM3)?
Earnings per share at GAEC Educacao SA are growing +205% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does GAEC Educacao SA (ANIM3) carry?
The net debt of GAEC Educacao SA is R$5.5B (fiscal year 2025, ≈ 10.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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