WallStSmart

Afya Ltd (AFYA)vsGrand Canyon Education Inc (LOPE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Afya Ltd generates 234% more annual revenue ($3.70B vs $1.11B). AFYA leads profitability with a 20.3% profit margin vs 19.5%. AFYA trades at a lower P/E of 9.7x. LOPE earns a higher WallStSmart Score of 66/100 (B-).

AFYA

Strong Buy

66

out of 100

Grade: B-

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

LOPE

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 9.5Value: 8.7Quality: 7.3
Piotroski: 3/9Altman Z: 7.84
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
LOPEUndervalued (+11.9%)

Margin of Safety

+11.9%

Fair Value

$181.96

Current Price

$170.62

$11.34 discount

UndervaluedFair: $181.96Overvalued

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

LOPE3 strengths · Avg: 9.7/10
Operating MarginProfitability
35.1%10/10

Strong operational efficiency at 35.1%

Altman Z-ScoreHealth
7.8410/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
28.2%9/10

Every $100 of equity generates 28 in profit

Areas to Watch

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

Smaller company, higher risk/reward

LOPE1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : LOPE

The strongest argument for LOPE centers on Operating Margin, Altman Z-Score, Return on Equity. Profitability is solid with margins at 19.5% and operating margin at 35.1%. PEG of 1.11 suggests the stock is reasonably priced for its growth.

Bear Case : AFYA

The primary concerns for AFYA are Market Cap.

Bear Case : LOPE

The primary concerns for LOPE are Piotroski F-Score.

Key Dynamics to Monitor

LOPE carries more volatility with a beta of 0.73 — expect wider price swings.

AFYA is growing revenue faster at 7.5% — sustainability is the question.

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

Monitor EDUCATION & TRAINING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AFYA scores higher overall (66/100 vs 66/100), backed by strong 20.3% margins. 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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Grand Canyon Education Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Grand Canyon Education, Inc. provides educational services to colleges and universities in the United States. The company is headquartered in Phoenix, Arizona.

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