WallStSmart

Afya Ltd (AFYA)vsLaureate Education Inc (LAUR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Afya Ltd generates 117% more annual revenue ($3.70B vs $1.70B). AFYA leads profitability with a 20.3% profit margin vs 16.6%. AFYA trades at a lower P/E of 9.7x. LAUR earns a higher WallStSmart Score of 79/100 (B+).

AFYA

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 8.5Value: 8.3Quality: 5.8
Piotroski: 4/9

LAUR

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 9.0Value: 10.0Quality: 5.8
Piotroski: 7/9Altman Z: 2.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AFYAUndervalued (+68.3%)

Margin of Safety

+68.3%

Fair Value

$48.86

Current Price

$15.16

$33.70 discount

UndervaluedFair: $48.86Overvalued
LAURUndervalued (+61.1%)

Margin of Safety

+61.1%

Fair Value

$88.45

Current Price

$35.38

$53.07 discount

UndervaluedFair: $88.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFYA4 strengths · Avg: 9.8/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.4%10/10

Strong operational efficiency at 30.4%

Profit MarginProfitability
20.3%9/10

Keeps 20 of every $100 in revenue as profit

LAUR4 strengths · Avg: 9.3/10
Operating MarginProfitability
33.2%10/10

Strong operational efficiency at 33.2%

EPS GrowthGrowth
88.4%10/10

Earnings expanding 88.4% YoY

Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Revenue GrowthGrowth
27.9%8/10

Revenue surging 27.9% year-over-year

Areas to Watch

AFYA1 concerns · Avg: 3.0/10
Market CapQuality
$1.37B3/10

Smaller company, higher risk/reward

LAUR0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : AFYA

The strongest argument for AFYA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.3% and operating margin at 30.4%.

Bull Case : LAUR

The strongest argument for LAUR centers on Operating Margin, EPS Growth, Return on Equity. Profitability is solid with margins at 16.6% and operating margin at 33.2%. Revenue growth of 27.9% demonstrates continued momentum.

Bear Case : AFYA

The primary concerns for AFYA are Market Cap.

Bear Case : LAUR

No major red flags identified for LAUR, but monitor valuation.

Key Dynamics to Monitor

AFYA profiles as a mature stock while LAUR is a growth play — different risk/reward profiles.

LAUR carries more volatility with a beta of 0.67 — expect wider price swings.

LAUR is growing revenue faster at 27.9% — sustainability is the question.

AFYA generates stronger free cash flow (140M), providing more financial flexibility.

Bottom Line

LAUR scores higher overall (79/100 vs 66/100), backed by strong 16.6% margins and 27.9% revenue growth. AFYA offers better value entry with a 68.3% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Afya Ltd

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Afya Limited, is a medical education group in Brazil. The company is headquartered in Nova Lima, Brazil.

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Laureate Education Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Laureate Education, Inc. offers higher education programs and services to students through a network of universities and institutions of higher education. The company is headquartered in Baltimore, Maryland.

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