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Afya Limited (Class A) (AFYA) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell AFYA stock right now?

Afya Limited (Class A) (AFYA) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

Q: What is AFYA's 12-month price target and RQD AI Jury consensus?

AFYA's 12-month base price target is $10.17 (range $7.93 to $16.97), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$10.17 -0.68% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Afya Limited (Class A) (AFYA) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $953.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AFYA)Realized 20D OHLCV Swing Band: ±10.6%

RSI-14 MOMENTUMOVERSOLD (<32)

28.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE8% OF RANGE

L: $10$10.17H: $16

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on AFYA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (55)

18/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like AFYA

✓Established market leader in Real Estate with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AFYA)

✓Walkthrough of AFYA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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AFYA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -29.42%▼ SUPPORT BREAKDOWN

2026-10-30O $10.18H $10.76L $9.66C $10.17VOL 1.06M

RES: $15.22SUP: $10.69SMA50: $13.63SMA200: $14.19

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AFYA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AFYA Butterfly Map → + Track AFYA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AFYA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AFYA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AFYA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AFYA)

Real Estate Rank #23 of 51 ⚔️ PXED vs AFYA Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (AFYA vs. PXED, APEI, LINC, UTI)

Industry: Other Consumer Services (73 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, Afya Limited (Class A) (AFYA) ranks #23 by composite RQD confidence (58/100, grade D+) and #17 by equity capitalization ($953.2M). Within this direct 5-issuer industry benchmark cohort, UTI leads on earnings valuation at 20.6x trailing P/E, while UTI leads on capital efficiency and profitability with 19.3% ROIC and — gross margin. UTI currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with AFYA at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AFYA ACTIVE Afya Limited (Class A)	D+	58/100	—	—	—	-0.68%	$953.2M	Benchmark Subject
PXED Phoenix Education Partners Inc.	D+	52/100	—	—	—	+2.30%	$896.5M	/pxed-vs-afya →
APEI American Public Education Inc.	C+	69/100	25.7x	54.2%	17.6%	+0.64%	$810.8M	/apei-vs-afya →
LINC Lincoln Educational Services Corporation	C-	59/100	35.1x	60.4%	14.0%	+1.89%	$702.0M	/linc-vs-afya →
UTI Universal Technical Institute Inc	B	75/100	20.6x	—	19.3%	+6.59%	$1.30B	/uti-vs-afya →

2. AFYA Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Afya Limited (Class A) (AFYA) operates in Other Consumer Services (Real Estate) with an equity capitalization of $953.2M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. AFYA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AFYA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Afya Limited (Class A) (NASDAQ: AFYA) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $10.17 (-0.68% 1D, market cap $953.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 51 tracked Real Estate issuers, AFYA ranks #23 in composite RQD confidence.

How does AFYA compare to PXED and APEI in the Real Estate sector?

Within the Real Estate sector (Other Consumer Services), AFYA carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PXED (Phoenix Education Partners Inc.) holds a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $896.5M) and APEI (American Public Education Inc.) posts a C+ grade (69/100 RQD, P/E 25.7x, ROIC 17.6%, cap $810.8M). Among the 5-stock peer group, UTI leads on earnings multiple (20.6x) while UTI leads on capital efficiency (19.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AFYA?

For Afya Limited (Class A) (AFYA), key quantitative strengths include Established market leader in Real Estate with deep daily trading liquidity. and sector rank #23 in Real Estate, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AFYA trading relative to its 50-day, 200-day, and 52-week technical levels?

AFYA last traded at $10.17 (-0.68% on volume of 611,041 shares), positioning the stock -25.39% below its 50-day simple moving average ($13.63) and -28.33% below its 200-day simple moving average ($14.19). Across its 52-week range of $9.66 to $16.16, AFYA sits at the 7.8% percentile with a 14-day RSI of 28.7 (OVERSOLD (<32)) and an implied next-earnings move of ±10.6% ($9.09 to $11.25).

AFYA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell AFYA stock right now?

Afya Limited (Class A) (AFYA) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is AFYA's 12-month price target and RQD AI Jury consensus?

AFYA's 12-month base price target is $10.17 (range $7.93 to $16.97), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: AFYA RQD Cockpit AFYA 12M Forecast AFYA Earnings & Move AFYA Dividends & DRIP AFYA Insiders & 13F AFYA Whale Options AFYA Profit Sankey AFYA News & Why