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Afya Ltd(AFYA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AFYA
10/12/2026: AFYA (1-star) is currently NOT-A-BUY. Pass it for now.
Afya Ltd is a leading medical education and health technology company in Brazil that operates a unique, dual-revenue business model. By combining physical medical schools with a widely used suite of digital clinical decision tools, the company captures significant value throughout a physician’s career. Its primary strength lies in its specialized focus and recurring digital revenue streams, though it faces risks from regulatory changes and Brazil's economic volatility. The stock is a growth-oriented investment that may suit investors looking for exposure to the specialized healthcare education market in Latin America. Key developments to monitor include government policy shifts on medical seat capacity and the adoption rates of the company’s digital software.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Afya offers exposure to the growing demand for specialized medical education and digital health solutions in Brazil. |
| Momentum investor | Mixed fit | The stock's performance often hinges on broader sentiment toward Brazil and the education sector, making momentum highly conditional. |
| Value investor | Mixed fit | Valuation can be attractive, but investors must weigh this against the regulatory risks inherent in the medical education sector. |
| Dividend investor | Weak fit | Afya is a growth-stage company that prioritizes capital reinvestment over dividend payments. |
| Low-risk investor | Weak fit | Exposure to emerging market currency risks and regulatory uncertainty creates significant volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to swings in investor sentiment regarding the Brazilian economy. |
| Valuation risk | Medium | Growth expectations are already priced in, leaving little room for error in meeting financial targets. |
| Competition risk (Education and Digital Content) | Medium / high | Established players like YDUQ are aggressively competing for market share in medical education. |
| Business quality | Strong | The company maintains a high-quality franchise by focusing exclusively on the resilient medical field. |
| Dividend income | Low / none | Investors should not rely on this stock for consistent dividend income. |
| Execution risk | Medium | Successful integration of M&A is critical to maintaining the growth trajectory. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -74.08% | Avg. Invested days 17 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.31B USD | Price to earnings Ratio 8.99 | 1Y Target Price 17.68 |
Price to earnings Ratio 8.99 | 1Y Target Price 17.68 | ||
Volume (30-day avg) 448.6K shares | Beta 0.37 | 52 Weeks Range 11.62 - 16.16 | Updated Date 10/11/2026 |
52 Weeks Range 11.62 - 16.16 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 4.45% | Basic EPS (TTM) 1.64 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Undergraduate Medical Education | Tuition fees from medical schools and related health science courses. | The reliable core engine that provides steady cash flow. |
| Digital Health Solutions | Subscription-based clinical decision software like Whitebook. | The high-margin growth segment with significant recurring revenue. |
Valuation
Trailing PE 8.99 | Forward PE 7.86 | Enterprise Value 1.61B | Price to Sales(TTM) 0.34 |
Enterprise Value 1.61B | Price to Sales(TTM) 0.34 | ||
Enterprise Value to Revenue 2.15 | Enterprise Value to EBITDA 4.79 | Shares Outstanding 49.90M | Shares Floating 5.73M |
Shares Outstanding 49.90M | Shares Floating 5.73M | ||
Percent Insiders 78.2 | Percent Institutions 20.07 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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