AFYA vs HFWA

Comparison between Afya Ltd - Class A (AFYA, Company) and Heritage Financial Corp (HFWA, Company).

AFYA is from the Consumer Defensive sector, while HFWA is from the Financial Services sector.

5-Year PerformanceHFWA has outperformed AFYA, delivering a return of +10.2% compared to -9.0%

AFYA vs HFWA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFYA(COMPANY)	HFWA(COMPANY)
Market Cap	$1.25B	$1.24B
Max Drawdown	72.09%	68.97%
Sharpe Ratio	-0.18	0.83
5Y Beta	0.55	0.80
Industry	Education & Training Services	Banks - Regional
P/E Ratio	8.88	14.81
Forward P/E	7.13	12.33
PEG Ratio	0.39	0.42
Dividend Yield	4.69%	3.16%
5Y Dividends CAGR	N/A	3.71%
5Y EPS CAGR	21.83%	4.17%
Debt to Equity	67.47%	0.00%
Free Cash Flow Yield	17.59%	6.45%
P/S Ratio	0.34	4.68
P/B Ratio	1.40	1.12

Market Cap

Winner

AFYA

$1.25B

HFWA

$1.24B

Max Drawdown

AFYA

72.09%

Winner

HFWA

68.97%

Sharpe Ratio

AFYA

-0.18

Winner

HFWA

0.83

5Y Beta

Winner

AFYA

0.55

HFWA

0.80

Industry

AFYA

Education & Training Services

HFWA

Banks - Regional

P/E Ratio

Winner

AFYA

8.88

HFWA

14.81

Forward P/E

Winner

AFYA

7.13

HFWA

12.33

PEG Ratio

Winner

AFYA

0.39

HFWA

0.42

Dividend Yield

Winner

AFYA

4.69%

HFWA

3.16%

5Y Dividends CAGR

AFYA

N/A

HFWA

3.71%

5Y EPS CAGR

Winner

AFYA

21.83%

HFWA

4.17%

Debt to Equity

AFYA

67.47%

Winner

HFWA

0.00%

Free Cash Flow Yield

Winner

AFYA

17.59%

HFWA

6.45%

P/S Ratio

Winner

AFYA

0.34

HFWA

4.68

P/B Ratio

AFYA

1.40

Winner

HFWA

1.12

AFYA vs HFWA - Historical Returns

Returns include dividend reinvestment.

Period	AFYA	HFWA
1 month	-4.18%	+5.43%
3 months	-4.11%	+10.31%
6 months	-2.01%	+16.05%
1 year	-4.42%	+26.24%
5 years(CAGR)	-8.95%	+10.15%
10 years(CAGR)	N/A	+9.34%
Max(CAGR)	-6.81%	+8.29%

AFYA

-4.18%

Winner

HFWA

+5.43%

AFYA

-4.11%

Winner

HFWA

+10.31%

AFYA

-2.01%

Winner

HFWA

+16.05%

AFYA

-4.42%

Winner

HFWA

+26.24%

5Y(CAGR)

AFYA

-8.95%

Winner

HFWA

+10.15%

10Y(CAGR)

AFYA

N/A

HFWA

+9.34%

Max(CAGR)

AFYA

-6.81%

Winner

HFWA

+8.29%

AFYA vs HFWA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFYA	HFWA
2026	-3.98%	+30.15%
2025	-0.13%	+2.45%
2024	-25.41%	+21.08%
2023	+35.45%	-26.28%
2022	+5.47%	+28.53%
2021	-35.90%	+9.22%
2020	-8.27%	-14.06%
2019	+13.73%	-2.73%
2018	N/A	-0.02%
2017	N/A	+21.19%
2016	N/A	+46.02%
2015	N/A	+13.14%
2014	N/A	+6.05%
2013	N/A	+15.50%
2012	N/A	+15.98%
2011	N/A	-7.09%
2010	N/A	-1.63%
2009	N/A	+12.07%
2008	N/A	-32.82%
2007	N/A	-15.32%
2006	N/A	+3.52%
2005	N/A	+13.39%
2004	N/A	+6.88%
2003	N/A	+26.85%
2002	N/A	+56.03%
2001	N/A	+23.90%
2000	N/A	+22.62%
1999	N/A	+1.47%

AFYA vs HFWA Drawdown Comparison

The maximum drawdown for AFYA was -72.09%, occurring on Jul 11, 2022. This drawdown has not yet recovered.

The maximum drawdown for HFWA was -65.13%, occurring on Mar 9, 2009. Recovery took 2673 trading sessions.

The current AFYA drawdown is -55.01%. The current HFWA drawdown is -3.07%.

Rank	AFYA	HFWA
#1	-72.09% Aug 27, 2019 - Jul 11, 2022	-65.13% Apr 4, 2006 - Nov 14, 2016
#2	-15.46% Jul 31, 2019 - Aug 22, 2019	-55.47% Jul 23, 2018 - Oct 28, 2022
#3	-1.20% Jul 19, 2019 - Jul 23, 2019	-54.34% Nov 7, 2022 - Jun 26, 2026
#4	-0.59% Aug 22, 2019 - Aug 26, 2019	-22.87% Apr 3, 2003 - Sep 26, 2005
#5	N/A	-17.05% Dec 17, 1999 - Jun 29, 2000
#6	N/A	-14.54% Jan 25, 2017 - Apr 27, 2017
#7	N/A	-11.91% Apr 27, 2017 - Jul 26, 2017
#8	N/A	-11.34% Nov 29, 2017 - May 22, 2018
#9	N/A	-10.53% Sep 1, 2000 - Nov 22, 2000
#10	N/A	-9.26% Mar 20, 2001 - Jun 15, 2001
#11	N/A	-6.77% Dec 29, 2000 - Feb 7, 2001
#12	N/A	-6.65% Aug 1, 2017 - Sep 18, 2017
#13	N/A	-6.49% Sep 30, 2005 - Oct 28, 2005
#14	N/A	-6.11% Nov 6, 2017 - Nov 28, 2017
#15	N/A	-5.94% Aug 28, 2001 - Dec 3, 2001

Correlation

Correlation between AFYA and HFWA is -0.27 which considered as a very weak or no correlation - the stocks move independently of each other.

-0.27

-101

Dividend Comparison (2000 - 2026)

AFYA vs HFWA dividend yield comparison.

Year	AFYA	HFWA
2026	4.77%	1.58%
2025	1.51%	4.06%
2024	0.00%	3.76%
2023	0.00%	4.11%
2022	0.00%	2.74%
2021	0.00%	3.31%
2020	0.00%	3.42%
2019	0.00%	2.97%
2018	0.00%	2.09%
2017	0.00%	1.66%
2016	0.00%	2.80%
2015	0.00%	2.81%
2014	0.00%	2.85%
2013	0.00%	2.46%
2012	0.00%	5.45%
2011	0.00%	3.03%
2009	0.00%	0.73%
2008	0.00%	6.29%
2007	0.00%	4.22%
2006	0.00%	3.18%
2005	0.00%	2.91%
2004	0.00%	2.85%
2003	0.00%	2.55%
2002	0.00%	2.64%
2001	0.00%	3.27%
2000	0.00%	3.04%