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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#224
Positioning
Market Dominance
Services
Personal Services
$1.5B
Virgílio Deloy Capobianco Gibbon
Afya Limited, through its subsidiaries, operates as a medical education group in Brazil. It provides medical schools, residency preparatory courses, graduate courses, and other programs. The company was founded in 1999 and is headquartered in Nova Lima, Brazil.
Headcount
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = AFYA ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$AFYA Afya Ltd | 66 | 81 | 95 | 56 | 12.3x | 1.9x | 60.8% | 29.4% | 63.2% | 30.6% | 19.6% | -9.8% | 0.0% | 73.0x | $1.5B | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
Afya Ltd (AFYA) receives a "Buy" rating with a composite score of 66.3/100. It ranks #224 out of 7,333 stocks in our coverage universe and carries a 4-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Top-rated overall — multiple factors aligned for strong entry
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for AFYA.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 81 | 95 | -14DRAG |
| MOMENTUM | 56 | 57 | -1NEUTRAL |
| VALUATION | 95 | 99 | -4NEUTRAL |
| INVESTMENT | 56 | 92 | -36DRAG |
| STABILITY | 86 | 93 | -7DRAG |
| SHORT INT | 55 | 67 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 43.4% vs WACC 10.9% (spread +32.5%)
GM 63% vs sector 65%, OM 31% vs sector 5%
Capital turnover 1.49x
Rev growth -10%, 6yr history
Interest coverage 2.2x, Net debt/EBITDA 1.6x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Afya Ltd (AFYA) as a Buy with a composite score of 66.3/100 at a current price of $13.85. The stock scores above average across the majority of our quantitative factors and ranks #224, reflecting a favorable risk-reward profile.
Afya Ltd holds an above-average position (#25 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 66.3/100 places it at rank #224 in our full universe.
Narrow
Low
Exemplary
Undervalued
Gross margins of 63% signal strong pricing power.
Returns on equity of 60.8% exceed cost of capital.
Value factor score of 95 suggests attractive pricing.
Vulnerability to macroeconomic shocks and interest rate volatility.
Afya Ltd represents a buy based on multi-factor quantitative performance.
Afya Ltd receives a Buy rating with a composite score of 66.3/100 and 4 out of 5 stars, ranking #224 of 7,333 stocks in our universe. AFYA displays a favorable combination of factors that positions it above the majority of the market. While not without risk, the quantitative profile supports a constructive outlook.
AFYA earns a quality score of 81/100, indicating above-average business quality. The company reports a return on equity of 60.8% (sector avg: 5.7%), gross margins of 63.2% (sector avg: 64.6%), net margins of 19.6% (sector avg: 2.8%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
From a valuation perspective, AFYA scores an exceptional 95/100, indicating the stock trades at a deep discount relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.29x, an EV/EBITDA of 1.87x, a P/B ratio of 1.85x. A value score this high suggests the market may be significantly underpricing the company's earnings power, assets, or cash flow generation.
With an investment score of 56/100, AFYA exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of -9.8% vs. a sector average of 8.6% and a return on assets of 29.4% (sector: 2.4%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
AFYA demonstrates moderate momentum with a score of 56/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at -9.8% year-over-year, while a beta of 0.70 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
Afya Ltd earns an excellent stability score of 86/100, reflecting low price volatility and a conservatively managed balance sheet. Key stability metrics include a beta of 0.70 and a debt-to-equity ratio of 73.00x (sector avg: 0.3x). Stocks with this level of stability tend to act as portfolio anchors, providing downside protection during market corrections while still participating in broad market advances.
The short interest score of 55/100 for AFYA suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 73.00x), small-cap liquidity risk. With a $1.5B market cap (small-cap), Afya Ltd may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Afya Ltd is a small-cap company in the Services sector, ranked #25 of 50 in its sector (50th percentile) and #224 of 7,333 overall (97th percentile). Key comparisons include ROE of 60.8% exceeding the 5.7% sector median and operating margins of 30.6% above the 4.5% sector average. This above-median position indicates AFYA is outperforming a majority of its Services peers, though there is room to close the gap with sector leaders.
Quant Factor Profile
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Short Int. (55) is the limiting factor — improvement here would lift the composite score most.
RANK #25 OF 50 IN CONSUMER DISCRETIONARY
EV/EBITDA 84% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 959% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin IN LINE WITH SECTOR BENCHMARKS
B of A Securities analyst Roberto Otero downgrades Afya (NASDAQ:AFYA) from Buy to Neutral and lowers the price target from $22 to $17.
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BELO HORIZONTE, Brazil, February 06, 2026--Afya Limited (Nasdaq: AFYA; B3: A2FY34) ("Afya" or the "Company"), the leading medical education group and provider of medical practice solutions in Brazil, today announced that the Secretary of Regulation and Supervision of Higher Education of the Ministry of Education ("MEC") has authorized an increase of 63 medical seats for ITPAC – Instituto Tocantinense Presidente Antonio Carlos Porto S.A. ("Afya Abaetetuba"), located in the city of Abaetetuba, in
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Afya stock: context for recent performance Afya (NasdaqGS:AFYA) has been on many investors’ radars after a mixed stretch in the share price, with a roughly 2.3% gain over the past day but declines over the past week and month. See our latest analysis for Afya. Zooming out, Afya’s 1 year total shareholder return decline of 10.1% and 5 year total shareholder return decline of 37.9% suggest recent share price momentum has been fading despite the latest move to $13.97. If Afya’s recent swings...
Above 50MA
37.18%
Net New Highs
+51081