Does PSNL pay a dividend and is it safe?

Personalis Inc. (PSNL) offers a 0% cash dividend yield ($0.00 annualized) and 0.6% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Health Care / PSNL / dividends

ALHC (56) FTRE (32) FRNM (31) TRUP (63) ⌘ Pro Terminal →

Personalis Inc. (PSNL) Dividend Safety Gauge & 10-Year DRIP Compounder

$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-

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-

Each axis scored 0–20

12M PRICE TARGET CONE-9.9% Base Target

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)

Grade D$15.85+0.6% Next Q

Q2 (-2Q)

Grade D$15.94+0.3% Next Q

Q3 (-1Q)

Grade E$15.98-1.4% Next Q

Current

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 →

CASH DIVIDEND + BUYBACK YIELD

0.6% Total Yield

0% Cash ($0.00/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $102/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

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

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?

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

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

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) ↓

🟢 CATALYST Yahoo Finance • 22h ago

Personalis (PSNL) Stock Looks Richly Valued As Shares Surge 14x In 3 Years

Yahoo Finance report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

PSNL Stock Notification: Personalis, Inc. is being Investigated after the $16.25 per share Merger Deal Announced – Investors are Alerted to Contact BFA Law

Business Wire report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Stock Titan • 1d ago

Stock Titan report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Investing.com UK • 1d ago

BTIG downgrades Personalis stock rating to neutral on acquisition outlook By Investing.com

Investing.com UK report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Personalis (PSNL) Presents At ESMO 2026, Is The Stock Now Overvalued?

Simply Wall St report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A cancer test report can now show mutations tied to treatment resistance over time.

Stock Titan report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

Personalis Inc. (PSNL) Slips to $15.65 as Shares Pull Back Within Recent Range - Relative Volume

https://www.siam.in/ report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

What Personalis (PSNL)'s Variant Tracking Launch Means For Shareholders

Simply Wall St report covering Personalis Inc. (PSNL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 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

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.