Afya (STU:1AY) LT-Debt-to-Total-Asset: 0.31 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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STU:1AY Afya Ltd STU:1AY
91 GF Score
Price €12.00
GF Value €18.37
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Afya LT-Debt-to-Total-Asset?

Afya STU:1AY -1.64% 91 LT-Debt-to-Total-Asset is 0.31 as of Mar. 2026. GuruFocus rates STU:1AY with a GF Score™ of 91/100 and a GF Value™ of €18.37 (Significantly Undervalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Afya's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.31.

Afya's long-term debt to total assets ratio increased from Mar. 2025 (0.31) to Mar. 2026 (0.31). It may suggest that Afya is progressively becoming more dependent on debt to grow their business.


Afya  (STU:1AY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.


Afya LT-Debt-to-Total-Asset Related Terms


Afya LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Afya's LT-Debt-to-Total-Asset 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.

Afya LT-Debt-to-Total-Asset Chart

Afya Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only 0.31 0.34 0.32 0.31 0.32

Afya Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.31 0.21 0.22 0.32 0.31
STU:1AY
91GF Score
Afya Ltd STU:1AY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Afya LT-Debt-to-Total-Asset Calculation

Afya's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=470.16/1464.83
=0.32

Afya's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=498.531/1592.102
=0.31

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.31 mean?
Afya (STU:1AY) has a LT-Debt-to-Total-Asset of 0.31 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Afya and its competitors.
Is Afya's LT-Debt-to-Total-Asset too high?
Afya's current LT-Debt-to-Total-Asset is 0.31. Overall, Afya has a GF Score™ of 91/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Afya's LT-Debt-to-Total-Asset compare to DAO and PXED?
Afya's LT-Debt-to-Total-Asset of 0.31 can be compared against companies in the Education industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Education company?
A good LT-Debt-to-Total-Asset depends on the Education industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Afya and its competitors. Afya's current LT-Debt-to-Total-Asset is 0.31. 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?
Based on GuruFocus' analysis, Afya (STU:1AY) is currently considered Significantly Undervalued. The stock's GF Value™ is €18.37, compared to a current price of €12.00 — trading 34.7% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.31. Afya's overall GF Score™ is 91/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Afya (STU:1AY), the current LT-Debt-to-Total-Asset is 0.31 as of Mar. 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 (STU:1AY) Overvalued in 2026?

Based on GuruFocus' analysis, Afya stock appears to be undervalued. The current stock price of €12.00 is trading 34.7% below its estimated GF Value™ of €18.37. GuruFocus considers Afya to be Significantly Undervalued.

Key valuation signals for STU:1AY:

  • LT-Debt-to-Total-Asset: 0.31
  • GF Value™: €18.37 vs. price of €12.00 (34.7% below fair value)
  • GF Score™: 91/100 with 2 warning signs

No single metric tells the full story. See the STU:1AY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Afya Business Description

Address Rua Paraiba, No. 330, 17th floor, Funcionarios, Belo Horizonte, MG, BRA
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.
91GF Score

Get the complete analysis for STU:1AY

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.00
Price
€18.37
GF Value