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Stock Ratings / Health Care / PSNL
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Personalis Inc. (PSNL) — RQD Stock Rating Cockpit

$15.76 -0.38% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.72

Personalis Inc. (PSNL) carries a Roarable Rating of D- (Sell) with 36/100 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- • RED ALERT Cap $1.69B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PSNL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PSNL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Personalis Inc. (NASDAQ: PSNL) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $15.76 (-0.38% 1D, market cap $1.69B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, PSNL ranks #559 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PSNL compare to ALHC and FTRE in the Health Care sector?
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Within the Health Care sector (Medical Specialities), PSNL carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of 22.7%, and ROIC of -35.0%. By comparison, ALHC (Alignment Healthcare Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 13.9%, cap $1.52B) and FTRE (Fortrea Holdings Inc.) posts a E grade (32/100 RQD, P/E N/A, ROIC -35.0%, cap $2.05B). Among the 5-stock peer group, TRUP leads on earnings multiple (68.2x) while ALHC leads on capital efficiency (13.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PSNL?
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Per PSNL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001527753), Personalis Inc. generated $69.6M in revenue (-17.7% YoY), -$81.3M in net income, and -$79.5M in free cash flow against $334.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.72 (-0.26%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510036
3-of-3 JEV AI Jury Bearish Warning
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 D-
Cash (6)Whales (12)SEC (8)Macro (7)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-9.9% Base Target
$20 Bull$14 Base$11 Bear
📬 FREE PSNL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PSNL)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (36/100 Composite)
🔍 WHY PSNL SCORES 36/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (33% of score)

20D Institutional Volume Accumulation (±3.7% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (22% of score)

Altman Z-Score 11.50 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
44
Grade D$15.85+0.6% Next Q
Q2 (-2Q)
41
Grade D$15.94+0.3% Next Q
Q3 (-1Q)
39
Grade E$15.98-1.4% Next Q
Current
36
Grade D-$15.76-8.3% Hist 90D α
Trajectory: D (44) → D- (36)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PSNL Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PSNL currently carries a cautious 36/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Health Care with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.26) and Max Pain ($16.55) forces dealer call-delta covering toward $19.83.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PSNL• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PSNL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 36%NO 64%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
45.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
11.50>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
3 / 99-Pt Accounting
52-WEEK LASER RANGE78% OF RANGE
L: $5$15.76H: $19
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 6 / 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: D-RQD 15 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 15 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on PSNL

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (30)

-35.0% ROIC with 22.7% gross margin and -4.67% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (40)

Altman-Z 11.50 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (37)

15/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like PSNL
  • ✓Established market leader in Health Care with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
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 PSNL)

  • ✓Walkthrough of PSNL'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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PSNL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +167.12%▼ SUPPORT BREAKDOWN
2026-11-03O $15.92H $15.92L $15.76C $15.76VOL 2.36M
RES: $15.83SUP: $16.37SMA50: $16.26SMA200: $11.35
$19.83$15.93$12.02$8.11$4.21RES $15.83SUP $16.37$15.762026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 PSNL Butterfly Map → + Track PSNL →
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -17.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PSNL 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 (PSNL)

Health Care Rank #559 of 1015 ⚔️ ALHC vs PSNL Full Matrix →

1. Head-to-Head Health Care Peer Comparison (PSNL vs. ALHC, FTRE, FRNM, TRUP)

Industry: Medical Specialities (41 Tracked Issuers)

Across 1015 tracked Health Care securities in the Roarable RQD universe, Personalis Inc. (PSNL) ranks #559 by composite RQD confidence (36/100, grade D-) and #281 by equity capitalization ($1.69B). Within this direct 5-issuer industry benchmark cohort, TRUP leads on earnings valuation at 68.2x trailing P/E, while ALHC leads on capital efficiency and profitability with 13.9% ROIC and — gross margin. TRUP currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with PSNL at 36/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PSNL ACTIVE
Personalis Inc.
D- 36/100 — 22.7% -35.0% -0.38% $1.69B Benchmark Subject
ALHC
Alignment Healthcare Inc.
D+ 56/100 — — 13.9% -3.71% $1.52B /alhc-vs-psnl →
FTRE
Fortrea Holdings Inc.
E 32/100 — — -35.0% -5.96% $2.05B /ftre-vs-psnl →
FRNM
Freenome Inc.
E 31/100 — — -3.4% -6.97% $1.34B /frnm-vs-psnl →
TRUP
Trupanion Inc.
C 63/100 68.2x 16.1% 3.1% +2.06% $1.32B /trup-vs-psnl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001527753 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Personalis Inc. (PSNL) reported GAAP revenue of $69.6M (-17.7% vs. FY2024 revenue of $84.6M , and -5.2% cumulative change since FY2023) , GAAP net income of -$81.3M, operating cash flow of -$74.9M, and free cash flow of -$79.5M (-69.9% YoY). On the balance sheet, PSNL closed FY2025 with $334.2M in total assets against $0 in total debt (Altman Z-Score: 11.50, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $69.6M -$81.3M -$74.9M -$79.5M $334.2M —
FY2024 (FY) 2024-12-31 $84.6M -$81.3M -$45.1M -$46.8M $270.3M —
FY2023 (FY) 2023-12-31 $73.5M -$108.3M -$56.3M -$56.3M — —

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, Personalis Inc. (NASDAQ: PSNL) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $15.76 (-0.38% 1D, market cap $1.69B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, PSNL ranks #559 in composite RQD confidence.

How does PSNL compare to ALHC and FTRE in the Health Care sector?

Within the Health Care sector (Medical Specialities), PSNL carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of 22.7%, and ROIC of -35.0%. By comparison, ALHC (Alignment Healthcare Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 13.9%, cap $1.52B) and FTRE (Fortrea Holdings Inc.) posts a E grade (32/100 RQD, P/E N/A, ROIC -35.0%, cap $2.05B). Among the 5-stock peer group, TRUP leads on earnings multiple (68.2x) while ALHC leads on capital efficiency (13.9% ROIC).

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

Per PSNL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001527753), Personalis Inc. generated $69.6M in revenue (-17.7% YoY), -$81.3M in net income, and -$79.5M in free cash flow against $334.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

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

PSNL last traded at $15.76 (-0.38% on volume of 2,202,807 shares), positioning the stock -3.08% below its 50-day simple moving average ($16.26) and +38.85% above its 200-day simple moving average ($11.35). Across its 52-week range of $4.95 to $18.89, PSNL sits at the 77.5% percentile with a 14-day RSI of 45.6 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($15.18 to $16.34).

Direct Sub-Reports: PSNL RQD Cockpit PSNL 12M Forecast PSNL Earnings & Move PSNL Dividends & DRIP PSNL Insiders & 13F PSNL Whale Options PSNL Profit Sankey PSNL News & Why
ROARABLE RATING BRIEF • RQD 36/100 (D-) ✓ SEC XBRL & RQD VERIFIED

PSNL — Personalis Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Personalis Inc. (PSNL) earns a live Roarable RQD composite score of 36/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $15.76 (-0.38% 1D, market capitalization $1.69B).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of 22.7%, operating margin of -60.0%, and free cash flow yield of -4.67%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of 11.50, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Personalis Inc. (PSNL) is a NASDAQ-listed issuer classified in the Health Care sector and the Medical Specialities industry. The profile identifies the company's sector, industry, exchange, and market capitalization of $1.7B only. Revenue figures appear in the SEC financials, but the nature of the revenue streams is not specified in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Personalis Inc. (PSNL) reported $69.6M in annual revenue (up from $84.6M in FY2024, -17.7% YoY) and -$81.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($73.5M revenue, -$108.3M net income) through FY2025, PSNL scaled operating cash flow to -$74.9M and free cash flow to -$79.5M, backed by $334.2M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 36/100): Established market leader in Health Care with deep daily trading liquidity. Free cash flow yield of -4.67% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $4.95 – $18.89 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -60.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Investors should note that the pending acquisition referenced in the news flow is a concentrated event risk that the graph does not map.

  • Key Question #1: Can PSNL sustain or expand its -60.0% operating margin and -35.0% ROIC against Medical Specialities peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $69.6M and free cash flow of -$79.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PSNL's equity valuation to Health Care capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PSNL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Personalis Inc. (PSNL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PSNL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PSNL Bull vs. Bear Conversation Board — What's Your Call at $15.76?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PSNL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PSNL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $20.57 (+30.0%)
📌 Pinned Debate

Shares trade near the $16.25 per-share merger value referenced in the news flow, and the Altman Z-Score of 11.5 indicates a strong fore

Here is why I am bullish on PSNL here at $15.82: Shares trade near the $16.25 per-share merger value referenced in the news flow, and the Altman Z-Score of 11.5 indicates a strong forensic balance-sheet reading.. Compare PSNL's -60.0% operating margin and -35.0% ROIC against the rest of Medical Specialities. As long as cash conversion holds up, dips toward $15.03 are getting bought.

RetailWhale_TX 🐂 BULL

@MeanReversion_88 Shorting a 12/20 institutional whale-flow stock at $15.82 is dangerous when funds are rotating into Health Care.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $13.29 (-16.0%)
Spot @ $15.82

ROIC of -35%, FCF yield of -4.67%, and a Piotroski F-Score of 3/9 combine with negative insider-conviction signals to produce a D- RQD

Sitting on the sidelines or leaning short PSNL above $15.82. ROIC of -35%, FCF yield of -4.67%, and a Piotroski F-Score of 3/9 combine with negative insider-conviction signals to produce a D- RQD rating.. Until Fundamental Cash Engine (6/20) and FCF yield (-4.67%) inflect higher, upside is capped near $18.89.

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