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AfyaFRA:1AY +0.91%82 Debt-to-EBITDA is 1.89 as of Jun. 2026, which is 15% below its 10-year median of 2.22. GuruFocus rates FRA:1AY with a GF Score™ of 82/100 and a GF Value™ of €16.86. The stock has 2 warning signs investors should review. Among 190 Education companies, Afya ranks worse than 55.79% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Afya's Debt-to-EBITDA or its related term are showing as below:
FRA:1AY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.07 Med: 2.22 Max: 3.58
Current: 1.86
During the past 9 years, the highest Debt-to-EBITDA Ratio of Afya was 3.58. The lowest was 0.07. And the median was 2.22.
FRA:1AY's Debt-to-EBITDA is ranked worse than 55.79% of 190
companies
in the Education industry
Industry Median: 1.505
vs FRA:1AY: 1.86
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Afya Debt-to-EBITDA Related Terms
Afya Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Afya's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:1AY vs LINC, PXED, COUR: Debt-to-EBITDA Comparison
For the Education & Training Services subindustry, Afya's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Afya Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, Afya's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Afya's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Afya (FRA:1AY) has a Debt-to-EBITDA of 1.89 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Afya. This is 15% below median its historical median of 2.22. Over the past decade, Afya's Debt-to-EBITDA has ranged from 0.07 to 3.58. According to the industry distribution chart, Afya ranks #106 out of 190 companies in the Education industry, placing it in the top 55.8%.
Is Afya's Debt-to-EBITDA too high?
Afya's current Debt-to-EBITDA of 1.89 is 15% below median its 10-year median of 2.22. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 3.58. The Education industry median Debt-to-EBITDA is 1.51. Afya's value of 1.89 is 25.6% above this industry median. Based on the distribution chart, Afya ranks #106 out of 190 companies in the Education industry, which is below the industry midpoint. Overall, Afya has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Afya's Debt-to-EBITDA compare to LINC and PXED?
According to the Education industry distribution chart, Afya ranks #106 out of 190 companies for Debt-to-EBITDA. This places Afya in the lower half of its industry. The industry median Debt-to-EBITDA is 1.51. Afya's value of 1.89 is 25.6% above this benchmark. Historically, Afya's own Debt-to-EBITDA has ranged from 0.07 to 3.58 over the past decade. While the company's 10-year median is 2.22 vs. the industry median of 1.51, Afya has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Education company?
The median Debt-to-EBITDA among Education companies is 1.51, based on 190 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Afya's current Debt-to-EBITDA of 1.89 is 25.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Afya. For the Education industry, the median Debt-to-EBITDA is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Afya's current Debt-to-EBITDA is 1.89, which is 15% below median its own 10-year median of 2.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Afya stock overvalued right now?
Afya (FRA:1AY) has a current Debt-to-EBITDA of 1.89. The stock's GF Value™ is €16.86, compared to a current price of €11.10 — trading 34.2% below its estimated fair value. The current Debt-to-EBITDA is 1.89, which is 15% below median its 10-year median of 2.22 and 25.6% above the Education industry median of 1.51. Afya's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Afya (FRA:1AY), the current Debt-to-EBITDA is 1.89 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Afya (FRA:1AY) Overvalued in 2026?
Based on GuruFocus' analysis, Afya stock appears to be undervalued.
The current stock price of €11.10 is trading 34.2% below its estimated GF Value™ of €16.86.
Key valuation signals for FRA:1AY:
Debt-to-EBITDA: 1.89 (15% below median its 10-year median of 2.22)
GF Value™: €16.86 vs. price of €11.10 (34.2% below fair value)
Industry Position: 25.6% above the Education median (#106 of 190)
No single metric tells the full story. See the FRA:1AY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Afya Ltd is a medical education group based in Brazil. Its education portfolio has several courses in addition to Medicine, such as Management, Dentistry, Law, Engineering, Nursing, Psychology, and Accounting Sciences, among others. It has three segments; Undergraduate, deriving key revenue provides educational services through undergraduate courses related to medical school, undergraduate health science and other ex-health undergraduate programs, Continuing Education provides medical education, specialization and graduate courses in medicine, delivered through digital and in-person content; and Medical practice solution provides clinical decision, clinical management and doctor-patient relationships for physicians and provide access, demand and efficiency for the healthcare players.
82GF Score
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