Which is better, AFYA or KR?

On the Buffett-Fit framework, Afya Limited (AFYA) currently grades higher than KR — 61/100 (C grade) vs 38/100 (D). That said, "better" depends on which framework you trust — AFYA wins on Warren Buffett, Philip Fisher, Peter Lynch, Charlie Munger, and Terry Smith; KR wins on Benjamin Graham and Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy AFYA or KR?

This page is an educational comparison, not investment advice. Both AFYA and KR are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is AFYA better than KR for value investing?

On the Buffett-style value-investing framework, AFYA currently grades higher — 61/100 vs 38/100, a 23-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between AFYA and KR on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). AFYA currently scores 61/100 (C grade); KR scores 38/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, AFYA or KR?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. AFYA and KR are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, AFYA or KR?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are AFYA and KR both Consumer Defensive stocks?

Yes — both Afya Limited (AFYA) and The Kroger Co. (KR) operate in the Consumer Defensive sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this AFYA vs KR comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Afya Limited

The Kroger

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

AFYA

Afya Limited

Market cap

$1.26B

Sector

Consumer Staples

The Kroger

Market cap

$41.46B

Sector

Consumer Staples

Overall winner

Afya Limited AFYA

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	AFYA	KR	Winner
Warren Buffett	61C	38D	AFYA
Benjamin Graham	48D	85A	KR
Philip Fisher	75B	19F	AFYA
Peter Lynch	63C	22F	AFYA
Joel Greenblatt	34F	51C	KR
Charlie Munger	59C	33F	AFYA
Terry Smith	61D	28F	AFYA

Side-by-side metrics

Metric	AFYA	KR
Market cap	$1.26B	$41.46B
P/E (TTM)	8.4x	41.3x
EV/EBIT	7.0x	33.6x
ROIC (TTM)	12.67%	11.85%
Gross margin	64.3%	21.04%
Net margin	20.04%	0.69%
Revenue CAGR 5y	20.5%	1.72%
EPS CAGR 5y	35.93%	-8.24%
Debt / Equity	0.7x	4.2x
Dividend yield	4.6%	2.1%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

AFYA leads on

EPS CAGR 5y35.93%vs -8.24%+123%
Net margin20.04%vs 0.69%+97%
Revenue CAGR 5y20.5%vs 1.72%+92%
Debt / Equity0.7xvs 4.2x+84%

KR leads on

Market cap$41.46Bvs $1.26B+97%

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Afya Limited

The Kroger

Fit scores by strategy

Side-by-side metrics

Where each one wins

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Key terms in this analysis