AFYA vs. UTI

Last updated Jun 4, 2026

AFYA (Afya Limited) and UTI (Universal Technical Institute, Inc.) are both stocks. Both operate in the Education & Training Services industry within the Consumer Defensive sector. Over the past 5 years, AFYA returned -9.02%/yr vs 49.26%/yr for UTI. At a 0.20 correlation, their price movements are largely independent.

Performance

AFYA vs. UTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Afya Limited (AFYA) and Universal Technical Institute, Inc. (UTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, AFYA achieves a -1.74% return, which is significantly lower than UTI's 70.42% return.

AFYA

• 1D: 0.69%
• 1M: 3.72%
• YTD: -1.74%
• 6M: -0.26%
• 1Y: -16.02%
• 3Y*: 6.83%
• 5Y*: -9.02%
• 10Y*: —

UTI

• 1D: 6.89%
• 1M: 20.12%
• YTD: 70.42%
• 6M: 78.05%
• 1Y: 25.79%
• 3Y*: 89.54%
• 5Y*: 49.26%
• 10Y*: 30.83%

*Multi-year figures are annualized to reflect compound growth (CAGR)

AFYA vs. UTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
AFYA Afya Limited	-1.74%	-1.70%	-27.59%	40.40%	-0.57%	-37.91%	-6.71%	13.73%
UTI Universal Technical Institute, Inc.	70.42%	1.63%	105.35%	86.31%	-14.07%	21.05%	-16.21%	105.29%

Correlation

The correlation between AFYA and UTI is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.18
Correlation (3Y) Calculated over the trailing 3-year period	0.22
Correlation (5Y) Calculated over the trailing 5-year period	0.21
Correlation (All Time) Calculated using the full available price history since Jul 22, 2019	0.20

Fundamentals

Market Cap AFYA : $1.31B UTI : $2.48B
EPS AFYA : $8.30 UTI : $0.77
PE Ratio AFYA : 1.75 UTI : 58.13
PEG Ratio AFYA : 0.04 UTI : 0.38
PS Ratio AFYA : 0.35 UTI : 2.85
PB Ratio AFYA : 0.28 UTI : 7.30
Total Revenue (TTM) AFYA : $3.77B UTI : $868.99M
Gross Profit (TTM) AFYA : $2.42B UTI : $208.88M
EBITDA (TTM) AFYA : $1.57B UTI : $76.70M

Return for Risk

AFYA vs. UTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

AFYA

AFYA Risk / Return Rank: 19
AFYA Sharpe Ratio Rank: 16
AFYA Sortino Ratio Rank: 17
AFYA Omega Ratio Rank: 17
AFYA Calmar Ratio Rank: 22
AFYA Martin Ratio Rank: 25

UTI

UTI Risk / Return Rank: 55
UTI Sharpe Ratio Rank: 57
UTI Sortino Ratio Rank: 53
UTI Omega Ratio Rank: 55
UTI Calmar Ratio Rank: 56
UTI Martin Ratio Rank: 56

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

AFYA vs. UTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Afya Limited (AFYA) and Universal Technical Institute, Inc. (UTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	AFYA	UTI	Difference
Sharpe ratio Return per unit of total volatility	-0.57	0.47	-1.04
Sortino ratio Return per unit of downside risk	-0.62	0.94	-1.57
Omega ratio Gain probability vs. loss probability	0.92	1.14	-0.22
Calmar ratio Return relative to maximum drawdown	-0.56	0.67	-1.22
Martin ratio Return relative to average drawdown	-0.85	1.49	-2.34
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

AFYA vs. UTI - Sharpe Ratio Comparison

The current AFYA Sharpe Ratio is -0.57, which is lower than the UTI Sharpe Ratio of 0.47. The chart below compares the historical Sharpe Ratios of AFYA and UTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	AFYA	UTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.57	0.47	-1.04
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.23	1.03	-1.26
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.58	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.13	0.07	-0.20

Drawdowns

AFYA vs. UTI - Drawdown Comparison

The maximum AFYA drawdown since its inception was -72.09%, smaller than the maximum UTI drawdown of -96.06%. Use the drawdown chart below to compare losses from any high point for AFYA and UTI.

Drawdown Indicators

	AFYA	UTI	Difference
Max Drawdown Largest peak-to-trough decline	-72.09%	-96.06%	+23.97%
Max Drawdown (1Y) Largest decline over 1 year	-28.86%	-38.90%	+10.04%
Max Drawdown (3Y) Largest decline over 3 years	-40.41%	-39.36%	-1.05%
Max Drawdown (5Y) Largest decline over 5 years	-67.60%	-51.19%	-16.41%
Max Drawdown (10Y) Largest decline over 10 years	—	-61.88%	—
Current Drawdown Current decline from peak	-52.54%	0.00%	-52.54%
Average Drawdown Average peak-to-trough decline	-43.14%	-65.69%	+22.55%
Ulcer Index Depth and duration of drawdowns from previous peaks	18.95%	17.31%	+1.64%

Volatility

AFYA vs. UTI - Volatility Comparison

The current volatility for Afya Limited (AFYA) is 7.20%, while Universal Technical Institute, Inc. (UTI) has a volatility of 21.61%. This indicates that AFYA experiences smaller price fluctuations and is considered to be less risky than UTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	AFYA	UTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.20%	21.61%	-14.41%
Volatility (6M) Calculated over the trailing 6-month period	21.83%	38.26%	-16.43%
Volatility (1Y) Calculated over the trailing 1-year period	28.31%	55.28%	-26.97%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	40.19%	48.03%	-7.84%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	47.19%	53.47%	-6.28%

Dividends

AFYA vs. UTI - Dividend Comparison

AFYA's dividend yield for the trailing twelve months is around 4.52%, while UTI has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AFYA Afya Limited	4.52%	1.51%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
UTI Universal Technical Institute, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.69%	5.15%

Financials

AFYA vs. UTI - Profitability Comparison

The chart below illustrates the profitability comparison between Afya Limited and Universal Technical Institute, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

AFYA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Afya Limited reported a gross profit of 685.00M and revenue of 993.76M. Therefore, the gross margin over that period was 68.9%.

UTI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Universal Technical Institute, Inc. reported a gross profit of -109.80M and revenue of 221.40M. Therefore, the gross margin over that period was -49.6%.

AFYA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Afya Limited reported an operating income of 385.21M and revenue of 993.76M, resulting in an operating margin of 38.8%.

UTI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Universal Technical Institute, Inc. reported an operating income of 339.00K and revenue of 221.40M, resulting in an operating margin of 0.2%.

AFYA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Afya Limited reported a net income of 252.21M and revenue of 993.76M, resulting in a net margin of 25.4%.

UTI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Universal Technical Institute, Inc. reported a net income of 433.00K and revenue of 221.40M, resulting in a net margin of 0.2%.

Frequently Asked Questions

Can I hold both AFYA and UTI in my portfolio?

AFYA and UTI have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, AFYA or UTI?

UTI has higher volatility (21.61%) compared to AFYA (7.20%). In terms of maximum drawdown, AFYA dropped -72.09% vs UTI's -96.06%.

Which has better risk-adjusted returns?

UTI currently has the higher Sharpe Ratio (0.47 vs -0.57), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.