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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
10/26/2026: AFYA (1-star) is currently NOT-A-BUY. Pass it for now.
Afya Ltd is a prominent medical education and digital health company operating in Brazil, structured as a high-growth player in the healthcare services sector. Its primary strength lies in its integrated business model, which supports medical students from undergraduate years through their professional careers using specialized digital tools. While the company has shown a track record of successful acquisitions and revenue growth, it faces risks related to its concentration in Brazil, regulatory oversight, and sensitivity to the economic environment. The stock may suit growth-oriented investors looking for exposure to emerging market healthcare, but they should closely monitor government policy changes and successful integration of digital platforms.
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's consistent expansion in the underserved Brazilian medical education market makes it a compelling growth story. |
| Momentum investor | Mixed fit | Momentum is highly dependent on technical price action and prevailing sentiment regarding Brazilian equity markets. |
| Value investor | Mixed fit | Valuation is often tied to growth premiums, which may not satisfy traditional deep-value criteria. |
| Dividend investor | Weak fit | Afya currently prioritizes capital reinvestment for expansion over dividend distributions. |
| Low-risk investor | Weak fit | Exposure to emerging market risks and regulatory uncertainty makes it less suitable for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to fluctuations driven by emerging market currency trends and investor sentiment toward Brazil. |
| Valuation risk | Medium | Growth expectations are priced into the stock, leaving limited margin for error if organic growth slows. |
| Competition risk (Educational conglomerates) | Medium / high | Large incumbents like Cogna could exert pricing pressure on non-medical segments. |
| Business quality | Strong | The company provides a critical service with high barriers to entry and strong brand recognition among medical students. |
| Dividend income | Low / none | Investors should not rely on the stock for recurring income. |
| Execution risk | Medium | The successful integration of future acquisitions is central to the company's long-term value proposition. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -71.26% | 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 10/26/2026 |
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 1.34B USD | Price to earnings Ratio 9.2 | 1Y Target Price 17.81 |
Price to earnings Ratio 9.2 | 1Y Target Price 17.81 | ||
Volume (30-day avg) 459.3K shares | Beta 0.37 | 52 Weeks Range 10.05 - 16.16 | Updated Date 10/25/2026 |
52 Weeks Range 10.05 - 16.16 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 4.35% | Basic EPS (TTM) 1.64 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Undergraduate | Tuition fees from medical school programs. | This is the company's stable base of recurring revenue. |
| Continuing Education | Residency and specialization courses. | This segment captures long-term value from medical professionals. |
| Digital Services | Subscription-based clinical tools like Whitebook. | High-margin digital products that build ecosystem stickiness. |
| Geography | Operations located exclusively in Brazil. | All revenue and risks are tied to the Brazilian economic and regulatory environment. |
Valuation
Trailing PE 9.2 | Forward PE 7.86 | Enterprise Value 1.62B | Price to Sales(TTM) 0.35 |
Enterprise Value 1.62B | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 2.18 | Enterprise Value to EBITDA 4.97 | Shares Outstanding 49.90M | Shares Floating 5.73M |
Shares Outstanding 49.90M | Shares Floating 5.73M | ||
Percent Insiders 78.26 | 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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