Afya Ltd (AFYA)vsProcter & Gamble Company (PG)
AFYA
Afya Ltd
$14.07
-1.19%
CONSUMER DEFENSIVE · Cap: $1.26B
PG
Procter & Gamble Company
$146.46
+0.43%
CONSUMER DEFENSIVE · Cap: $342.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Procter & Gamble Company generates 2245% more annual revenue ($86.72B vs $3.70B). AFYA leads profitability with a 20.3% profit margin vs 19.2%. AFYA trades at a lower P/E of 8.5x. AFYA earns a higher WallStSmart Score of 66/100 (B-).
AFYA
Strong Buy66
out of 100
Grade: B-
PG
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.5%
Fair Value
$93.83
Current Price
$14.07
$79.76 discount
Margin of Safety
-37.3%
Fair Value
$107.17
Current Price
$146.46
$39.29 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.7%
Keeps 20 of every $100 in revenue as profit
Mega-cap, among the largest globally
Every $100 of equity generates 31 in profit
Safe zone — low bankruptcy risk
Strong operational efficiency at 23.1%
Generating 3.0B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 30.7%.
Bull Case : PG
The strongest argument for PG centers on Market Cap, Return on Equity, Altman Z-Score. Profitability is solid with margins at 19.2% and operating margin at 23.1%.
Bear Case : AFYA
The primary concerns for AFYA are Market Cap.
Bear Case : PG
The primary concerns for PG are PEG Ratio.
Key Dynamics to Monitor
AFYA carries more volatility with a beta of 0.51 — expect wider price swings.
AFYA is growing revenue faster at 7.5% — sustainability is the question.
PG generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor EDUCATION & TRAINING SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AFYA scores higher overall (66/100 vs 61/100), backed by strong 20.3% margins. Both earn "Strong Buy" and "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.
Visit Website →Procter & Gamble Company
CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA
The Procter & Gamble Company (P&G) is an American multinational consumer goods corporation headquartered in Cincinnati, Ohio, founded in 1837 by William Procter and James Gamble. It specializes in a wide range of personal health, consumer health, personal care, and hygiene products; these products are organized into several segments including Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine, & Family Care. Before the sale of Pringles to Kellogg's, its product portfolio also included food, snacks, and beverages.
Visit Website →Compare with Other EDUCATION & TRAINING SERVICES Stocks
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