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Is academy worth having?

Training player inside academy feels super expensive. Isn't it better to take player out of academy, buy him a personal coach and have 10 sessions every day?
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There's a limit to the number of players and coaches you can have in your roster at any given time. For instance, if you have 4 coaches and 9 players, you only have 40 units of training for 9 people. Divided evenly, this will only raise their stats at most around 0.12. However, you can have up to 5 players training in the academy and getting gains upwards of 0.3 per day each if you have the money for it.