Afya Ltd (AFYA) Financial Ratio Screen

NASDAQ Consumer Defensive Brazil USD 1338M
RATIOS FAIL*
Automated financial screen · activity assessed separately
Afya Ltd (AFYA) is potentially non-compliant in the automated ratio model. The company's debt ratio of 35.9% exceeds the 30% MSCI new-inclusion threshold relative to total assets. Afya Ltd operates in the Consumer Defensive sector.

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MSCI new-inclusion financial-ratio snapshot

AFYA financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
35.9%
Fail vs 30%
Cash ratio
10.3%
Pass vs 30%
Receivables + cash
17.4%
Pass vs 30%
Impermissible income
1.3%
Pass vs 5%

Calculation date: 2026-08-31. Financial period used: December 2024. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria not metAt least one available ratio exceeds its threshold
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2024Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (Education & Training Services) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Afya Limited operates as a medical education group in Brazil. The company operates in three segments: Undergrad, Continuing Education, and Digital Services. It offers educational products and services, including medical schools, medical residency preparatory courses, graduate courses, and other programs to lifelong medical learners enrolled across its distribution network, as well as to third-party medical schools. The company also provides digital health services, such as subscription-based mobile app and website portal that focuses on assisting health professionals and students with clinical decision-making through tools, such as medical calculators, charts, and updated content, as well as prescriptions, clinical scores, medical procedures and laboratory exams, and others. In addition, it offers printed and digital content, as well as an online medical education platform and practical medical training services. Further, the company offers iClinic, a practice management software; educational health and medical imaging solutions through an interactive platform; Cliquefarma, a free-to-use website that tracks prescription drugs, cosmetics, and personal hygiene product prices; Shosp, a clinical management software; RX PRO, a solution that connects physicians with the pharmaceutical industry; and Glic, a free diabetes care and management app solution for physicians and patients. Afya Limited was founded in 1999 and is headquartered in Nova Lima, Brazil.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2024

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 35.9%
/ 30%
10.3%
/ 30%
17.4%
/ 30%
1.31%
/ 5%
RATIOS FAIL*
FTSE 35.9%
/ 33%
10.3%
/ 33%
17.4%
/ 50%
1.31%
/ 5%
RATIOS FAIL*

Financial Highlights

P/E Ratio
9.4
Forward: 7.1
EPS
$1.57
Dividend Yield
445.0%
Payout: 16.2%
P/B Ratio
1.4
EV/EBITDA
2.3
EV: $3.4B
Revenue
$3.3B
Growth: 7.5%
Beta
0.6
Low volatility
Current Ratio
2.2

Profitability

Gross Margin 64.5%
Operating Margin 30.4%
Net Margin 20.4%
Return on Equity (ROE) 16.7%
Return on Assets (ROA) 8.3%

Cash Flow & Balance Sheet

Operating Cash Flow$1.4B
Free Cash Flow$1.0B
Total Debt$3.2B
Debt-to-Equity63.8
Current Ratio2.2
Total Assets$8.8B

Price & Trading

Last Close$14.94
50-Day MA$14.39
200-Day MA$15.05
Avg Volume112K
Beta0.6
52-Week Range
$13.00
$19.90

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2024. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About Afya Ltd (AFYA)

CEO
Mr. Virgilio Deloy Capobianco Gibbon
Sector
Consumer Defensive
Industry
Education & Training Services
Country
Brazil
Exchange
NASDAQ
Market Cap (listing currency)
USD 1338M
Currency
USD

Afya Limited operates as a medical education group in Brazil. The company operates in three segments: Undergrad, Continuing Education, and Digital Services. It offers educational products and services, including medical schools, medical residency preparatory courses, graduate courses, and other programs to lifelong medical learners enrolled across its distribution network, as well as to third-party medical schools. The company also provides digital health services, such as subscription-based mobile app and website portal that focuses on assisting health professionals and students with clinical decision-making through tools, such as medical calculators, charts, and updated content, as well as prescriptions, clinical scores, medical procedures and laboratory exams, and others. In addition, it offers printed and digital content, as well as an online medical education platform and practical medical training services. Further, the company offers iClinic, a practice management software; educational health and medical imaging solutions through an interactive platform; Cliquefarma, a free-to-use website that tracks prescription drugs, cosmetics, and personal hygiene product prices; Shosp, a clinical management software; RX PRO, a solution that connects physicians with the pharmaceutical industry; and Glic, a free diabetes care and management app solution for physicians and patients. Afya Limited was founded in 1999 and is headquartered in Nova Lima, Brazil.

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Frequently Asked Questions

Is Afya Ltd (AFYA) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is Afya Ltd's debt ratio?

Afya Ltd's debt ratio is 35.9% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are Afya Ltd's key financial metrics?

Afya Ltd has a market capitalization of USD 1338M in its listing currency, trailing P/E ratio of 9.4, and revenue of $3.3B. The company maintains a gross margin of 64.5% and a net margin of 20.4%. Return on equity stands at 16.7%.

How often is the screening data updated?

Calculation date: 2026-08-31. Financial period: December 2024. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.