Afya Limited (AFYA)

Nasdaq: AFYA · Services-Educational Services · filing with the SEC since 2019

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Grade6.8

◀ Past 7.6● Present 6.9▶ Future 5.7

1 est.

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The grade of Afya Limited

Nine metrics read from its own filings, by tense

Headline grade

6.8/10

◀ Past7.630% of the headline

● Present6.940% of the headline

▶ Future5.730% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.6/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.3/10

Has it survived what it has been through?

No warning events in its filings since 2019.

weight 33% of this tense · 73rd percentile among 42 sector filers · read for itself

From the record

Afya Limited's filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

9.1/10

What has it actually done, year after year?

+42.6% a year over 9 filed years; profitable in 9 of 9.

weight 45% of this tense · 91st percentile among 39 sector filers · read for its customers

From the record

Afya Limited's 9 filed years say what it did: revenue went from BRL 216 million in fiscal 2017 to BRL 3.7 billion in fiscal 2025, up 42.6% a year; it rose in 8 of 8 years; it never fell from a peak; net income was positive in 9 of 9 of those years (its annual reports).

What it rests on

revenue growth over the filed span42.6%top 9% of its family
the share of years revenue rosetop 10% of its family
the share of filed years with a profittop 8% of its family
the deepest fall from a revenue peak0.0%top 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

5.0/10

How has it treated the people who own it?

Share count grew 0.2% a year. 5% of cash flow returned. Insiders: 20 sales, 0 purchases.

weight 22% of this tense · 50th percentile among 28 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Afya Limited's diluted share count grew about 0.2% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 20 sales and 0 purchases of their own stock on the open market in the year to 2026-10-06 (their Form 4 filings).

What it rests on

the share count over the yearstop 44% of its family
cash returned against operating cash flowbottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

5.8/10

Is it financially healthy right now?

ROE 16%: 16¢ of profit per shareholder dollar. Leverage 48%: owes 48¢ per asset dollar.

weight 33% of this tense · 58th percentile among 42 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Afya Limited earned about 16 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 25 cents per dollar of everything the company owns. Leverage: it owed about 48 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 49% of its family
return on equitytop 34% of its family
gross profit against assetstop 49% of its family
the share count against the year beforetop 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

8.8/10

How strong is its position in its industry?

top 12% of 41 in its family; net margin 20.8%.

weight 45% of this tense · 88th percentile among 41 sector filers · read for its customers

From the record

Afya Limited's standing among 41 graded names in its industry family: revenue of BRL 3.7 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 20.8% ranks in the top 4%; revenue growth of 16.6% a year over the last 3 filed years ranks in the top 21% (its annual reports).

What it rests on

net margin20.8%top 4% of its family
three-year revenue growth16.6%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.9/10

What are the people in charge doing?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 16 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 16 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 16 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Afya Limited's leadership is put at 4.9 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 16 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.7/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

7.8/10

How much room does it have to grow?

top 22% of 41 in its family for room to expand.

weight 22% of this tense · 78th percentile among 41 sector filers · read for itself

From the record

Afya Limited's room to grow, from the newest filed statements (fiscal 2025): cash of BRL 1.1 billion against no long-term debt tagged leaves 12% of its assets as net cash, top 49% of its family; cash from operations less capital spending is 36.9% of revenue (top 1%); a gross margin of 64.5% (top 16%) (its annual report).

What it rests on

cash less debt against assets12.0%top 49% of its family
cash from operations less capital spending against revenue36.9%top 1% of its family
gross margin64.5%top 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.8/10

What could actually drive growth from here?

bottom 48% of 39 in its family for growth drivers.

weight 45% of this tense · 48th percentile among 39 sector filers · read for its customers

From the record

Afya Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 16.6% a year over the last three filed years against 42.6% over all 9, slowing (bottom 24% of its family); the newest year grew 11.9% (top 32%); capital spending grew -0.4% a year (top 49%) (its annual reports). Afya Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-26.0 points a yearbottom 24% of its family
the newest year's revenue growth11.9%top 32% of its family
three-year growth of capital spending-0.4%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.7/10

Did its newest year beat what its own record pointed to?

top 43% of 36 in its family for expectations against reality.

weight 33% of this tense · 57th percentile among 36 sector filers · read for its shareholders

From the record

Afya Limited's newest year against its own record: revenue of BRL 3.7 billion in fiscal 2025 came in 6.1% below the BRL 3.9 billion its prior three years' pace pointed to (bottom 49% of its family); net income of BRL 768 million against a prior three-year average of BRL 482 million (top 43%); a net margin of 20.8% against 16.9% before (top 35%) (its annual reports).

What it rests on

revenue against the prior three years' pace-6.1%bottom 49% of its family
net income against the prior three years' average+59%top 43% of its family
net margin against its prior average+3.9 pointstop 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AFYA · research, not advice