AFYAAfya Limited
Is it safe?
Nothing alarming, nothing pristine: insiders quiet, comfortable debt (AA), and typical volatility.
Insiders were net sellers (-$55K, 90 days to Oct 8, 2026), selling is often routine.
Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -72% · now 7% below its 52-week high.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can AFYA take a bad year?
Afya Limited carries $929M of net debt at 0.59× EBITDA: a load its earnings can carry.
Net debt · as at FY2025 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.59×
Net debt / EBITDA · 0.95× a year ago · the load is coming down
- Interest cover
- 2.16×
Interest cover · operating profit covers the interest bill, with room to spare
- Annualised volatility
- 31%
Annualised volatility · about as steady as the market itself
Details›
- Total debtFY2025
- $2.05B
- Cash and short-term investments
- $1.13B
- Net debt
- $929M
- EBITDA, trailing twelve months
- $1.59B
- Operating profit, trailing twelve months
- $1.21B
- Debt / equity
- 0.42×
- Total debt / EBITDA
- 1.29×
- Annualised volatilitytwo years of daily moves
- 31%
- Worst drawdown on file
- −72%
- Below its 52-week high
- 6.9%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Education & Training Services
Ranks #1 of 15 by RyuScore