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AFYA · Nasdaq · United States · Services-Educational Services
In shortAfya Ltd is profitable, generates cash and carries moderate debt, with revenue growing (+11.9% last year).
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 32.8% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 20.4% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 16.5% | 82/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 13.9% | 93/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 2.20× | 100/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.42× | 88/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.59× | 98/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 2.16× | 6/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 3.67 | 66/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 36.9% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.81× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 13.3% | 62/100 |
| Operating margin volatility | 2.9% | 83/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 16.7% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 26.0% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
4 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
BRL millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,719 | 2,329 | 2,876 | 3,304 | 3,697 |
| Cost of revenue | 652 | 860 | 1,110 | 1,216 | 1,314 |
| Gross profit | 1,067 | 1,470 | 1,766 | 2,089 | 2,383 |
| Operating income | 441 | 664 | 767 | 1,012 | 1,213 |
| Interest expense | 244 | 350 | 458 | 459 | 561 |
| Pre-tax income | 273 | 428 | 430 | 676 | 861 |
| Income tax | 31 | 36 | 24 | 27 | – |
| Net income | 223 | 374 | 386 | 632 | 752 |
| Diluted EPS | BRL2.37 | BRL4.12 | BRL4.27 | BRL6.93 | BRL8.24 |
| Diluted shares (millions) | 94 | 91 | 91 | 91 | 91 |
4 older years available with the 10-year history. Essential plan, from €8.25/month →
3.67 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
8/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice.
Latest annual report: Dec 31, 2025 · Data updated Mar 31, 2026