Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AfyaSTU:1AY -1.64%91 Pretax Margin % is 30.04% as of Mar. 2026, which is 29% above its 10-year median of 23.29. GuruFocus rates STU:1AY with a GF Score™ of 91/100 and a GF Value™ of €18.46 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 255 Education companies, Afya ranks better than 78.82% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Afya's Pre-Tax Income for the
three
months ended in Mar. 2026 was €50.3 Mil. Afya's Revenue for the
three
months ended in Mar. 2026 was €167.5 Mil. Therefore, Afya's pretax margin for the quarter that ended in Mar. 2026 was 30.04%.
The historical rank and industry rank for Afya's Pretax Margin % or its related term are showing as below:
STU:1AY'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.94 Med: 23.29 Max: 29.56
Current: 23.48
STU:1AY's Pretax Margin % is ranked better than 78.82% of 255
companies
in the Education industry
Industry Median: 8.24
vs STU:1AY: 23.48
Afya (STU:1AY) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Afya Pretax Margin % Related Terms
Afya Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Afya's Pretax Margin % 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.
STU:1AY vs DAO, PXED, LINC: Pretax Margin % Comparison
For the Education & Training Services subindustry, Afya's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Education Industry
For the Education industry and Consumer Defensive sector, Afya's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Afya's Pretax Margin % 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.
Afya (STU:1AY) has a Pretax Margin % of 30.04% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Afya and its competitors. This is 29% above median its historical median of 23.29. Over the past decade, Afya's Pretax Margin % has ranged from 14.94 to 29.56. According to the industry distribution chart, Afya ranks #54 out of 255 companies in the Education industry, placing it in the top 21.2%.
Is Afya's Pretax Margin % too high?
Afya's current Pretax Margin % of 30.04% is 29% above median its 10-year median of 23.29. Over the past 10 years, this metric has ranged from a low of 14.94 to a high of 29.56. The Education industry median Pretax Margin % is 8.24. Afya's value of 30.04% is 264.6% above this industry median. Based on the distribution chart, Afya ranks #54 out of 255 companies in the Education industry, which is in the top quartile — a strong position relative to peers. 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 Pretax Margin % compare to DAO and PXED?
According to the Education industry distribution chart, Afya ranks #54 out of 255 companies for Pretax Margin %. This places Afya in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 8.24. Afya's value of 30.04% is 264.6% above this benchmark. Historically, Afya's own Pretax Margin % has ranged from 14.94 to 29.56 over the past decade. While the company's 10-year median is 23.29 vs. the industry median of 8.24, 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 Pretax Margin % for an Education company?
The median Pretax Margin % among Education companies is 8.24, based on 255 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Afya's current Pretax Margin % of 30.04% is 264.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Afya and its competitors. For the Education industry, the median Pretax Margin % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Afya's current Pretax Margin % is 30.04%, which is 29% above median its own 10-year median of 23.29. 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 €18.46, compared to a current price of €12.00 — trading 35% below its estimated fair value. The current Pretax Margin % is 30.04%, which is 29% above median its 10-year median of 23.29 and 264.6% above the Education industry median of 8.24. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Afya (STU:1AY), the current Pretax Margin % is 30.04% 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 35% below its estimated GF Value™ of €18.46.
GuruFocus considers Afya to be Significantly Undervalued.
Key valuation signals for STU:1AY:
Pretax Margin %: 30.04% (29% above median its 10-year median of 23.29)
GF Value™: €18.46 vs. price of €12.00 (35% below fair value)
Industry Position: 264.6% above the Education median (#54 of 255)
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 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
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:1AY has been successfully added to your 
