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PERSONALIS INC (PSNL) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PSNL - US71535D1063 - Common Stock

7.97 USD
+0.04 (+0.5%)
Last: 12/30/2025, 8:00:01 PM
7.9 USD
-0.07 (-0.88%)
After Hours: 12/30/2025, 8:00:01 PM
Fundamental Rating

2

Overall PSNL gets a fundamental rating of 2 out of 10. We evaluated PSNL against 57 industry peers in the Life Sciences Tools & Services industry. PSNL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PSNL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

PSNL had negative earnings in the past year.
PSNL had a negative operating cash flow in the past year.
PSNL had negative earnings in each of the past 5 years.
In the past 5 years PSNL always reported negative operating cash flow.
PSNL Yearly Net Income VS EBIT VS OCF VS FCFPSNL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M -80M -100M

1.2 Ratios

With a Return On Assets value of -30.42%, PSNL is not doing good in the industry: 75.44% of the companies in the same industry are doing better.
PSNL's Return On Equity of -43.10% is on the low side compared to the rest of the industry. PSNL is outperformed by 68.42% of its industry peers.
Industry RankSector Rank
ROA -30.42%
ROE -43.1%
ROIC N/A
ROA(3y)-38.97%
ROA(5y)-30.04%
ROE(3y)-58.56%
ROE(5y)-43.57%
ROIC(3y)N/A
ROIC(5y)N/A
PSNL Yearly ROA, ROE, ROICPSNL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

Looking at the Gross Margin, with a value of 26.67%, PSNL is doing worse than 78.95% of the companies in the same industry.
PSNL's Gross Margin has been stable in the last couple of years.
PSNL does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 26.67%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.05%
GM growth 5Y-1.31%
PSNL Yearly Profit, Operating, Gross MarginsPSNL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150 -200 -250

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5

2. Health

2.1 Basic Checks

PSNL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PSNL has been increased compared to 1 year ago.
Compared to 5 years ago, PSNL has more shares outstanding
PSNL has a better debt/assets ratio than last year.
PSNL Yearly Shares OutstandingPSNL Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
PSNL Yearly Total Debt VS Total AssetsPSNL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

PSNL has an Altman-Z score of 2.31. This is not the best score and indicates that PSNL is in the grey zone with still only limited risk for bankruptcy at the moment.
PSNL has a Altman-Z score (2.31) which is in line with its industry peers.
A Debt/Equity ratio of 0.00 indicates that PSNL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.00, PSNL is in the better half of the industry, outperforming 68.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 2.31
ROIC/WACCN/A
WACC10.77%
PSNL Yearly LT Debt VS Equity VS FCFPSNL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

PSNL has a Current Ratio of 4.82. This indicates that PSNL is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 4.82, PSNL is doing good in the industry, outperforming 77.19% of the companies in the same industry.
PSNL has a Quick Ratio of 4.69. This indicates that PSNL is financially healthy and has no problem in meeting its short term obligations.
PSNL has a Quick ratio of 4.69. This is amongst the best in the industry. PSNL outperforms 84.21% of its industry peers.
Industry RankSector Rank
Current Ratio 4.82
Quick Ratio 4.69
PSNL Yearly Current Assets VS Current LiabilitesPSNL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 47.62% over the past year.
PSNL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.02%.
Measured over the past years, PSNL shows a small growth in Revenue. The Revenue has been growing by 5.35% on average per year.
EPS 1Y (TTM)47.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)-21.02%
Revenue growth 3Y-0.34%
Revenue growth 5Y5.35%
Sales Q2Q%-43.62%

3.2 Future

The Earnings Per Share is expected to grow by 14.35% on average over the next years. This is quite good.
The Revenue is expected to grow by 14.60% on average over the next years. This is quite good.
EPS Next Y29.7%
EPS Next 2Y13.04%
EPS Next 3Y12.23%
EPS Next 5Y14.35%
Revenue Next Year-16.36%
Revenue Next 2Y0.32%
Revenue Next 3Y8.68%
Revenue Next 5Y14.6%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PSNL Yearly Revenue VS EstimatesPSNL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 200M 400M 600M 800M
PSNL Yearly EPS VS EstimatesPSNL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 1 -1 2 -2

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0

4. Valuation

4.1 Price/Earnings Ratio

PSNL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PSNL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PSNL Price Earnings VS Forward Price EarningsPSNL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PSNL Per share dataPSNL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1 1.5

4.3 Compensation for Growth

A more expensive valuation may be justified as PSNL's earnings are expected to grow with 12.23% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.04%
EPS Next 3Y12.23%

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0

5. Dividend

5.1 Amount

No dividends for PSNL!.
Industry RankSector Rank
Dividend Yield 0%

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PERSONALIS INC

NASDAQ:PSNL (12/30/2025, 8:00:01 PM)

After market: 7.9 -0.07 (-0.88%)

7.97

+0.04 (+0.5%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupPharmaceuticals, Biotechnology & Life Sciences
GICS IndustryLife Sciences Tools & Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners54.27%
Inst Owner Change4.67%
Ins Owners1.14%
Ins Owner Change-0.22%
Market Cap707.74M
Revenue(TTM)69.10M
Net Income(TTM)-73.88M
Analysts83.08
Price Target11.22 (40.78%)
Short Float %14.07%
Short Ratio5.2
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.52%
Min EPS beat(2)7.49%
Max EPS beat(2)15.55%
EPS beat(4)4
Avg EPS beat(4)18.13%
Min EPS beat(4)7.49%
Max EPS beat(4)28.59%
EPS beat(8)6
Avg EPS beat(8)7.71%
EPS beat(12)8
Avg EPS beat(12)6.28%
EPS beat(16)11
Avg EPS beat(16)6.11%
Revenue beat(2)1
Avg Revenue beat(2)-4.68%
Min Revenue beat(2)-16.15%
Max Revenue beat(2)6.79%
Revenue beat(4)3
Avg Revenue beat(4)2.82%
Min Revenue beat(4)-16.15%
Max Revenue beat(4)15.99%
Revenue beat(8)6
Avg Revenue beat(8)5.8%
Revenue beat(12)9
Avg Revenue beat(12)5.37%
Revenue beat(16)12
Avg Revenue beat(16)5.55%
PT rev (1m)3.53%
PT rev (3m)55.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.05%
EPS NY rev (1m)2.08%
EPS NY rev (3m)2.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-19.69%
Revenue NY rev (1m)-4.45%
Revenue NY rev (3m)-4.45%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 10.24
P/FCF N/A
P/OCF N/A
P/B 4.13
P/tB 4.13
EV/EBITDA N/A
EPS(TTM)-0.88
EYN/A
EPS(NY)-0.99
Fwd EYN/A
FCF(TTM)-0.75
FCFYN/A
OCF(TTM)-0.68
OCFYN/A
SpS0.78
BVpS1.93
TBVpS1.93
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -30.42%
ROE -43.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 26.67%
FCFM N/A
ROA(3y)-38.97%
ROA(5y)-30.04%
ROE(3y)-58.56%
ROE(5y)-43.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.05%
GM growth 5Y-1.31%
F-Score3
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 56.02%
Cap/Sales 8.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.82
Quick Ratio 4.69
Altman-Z 2.31
F-Score3
WACC10.77%
ROIC/WACCN/A
Cap/Depr(3y)234.39%
Cap/Depr(5y)188.79%
Cap/Sales(3y)31.15%
Cap/Sales(5y)22.11%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y29.7%
EPS Next 2Y13.04%
EPS Next 3Y12.23%
EPS Next 5Y14.35%
Revenue 1Y (TTM)-21.02%
Revenue growth 3Y-0.34%
Revenue growth 5Y5.35%
Sales Q2Q%-43.62%
Revenue Next Year-16.36%
Revenue Next 2Y0.32%
Revenue Next 3Y8.68%
Revenue Next 5Y14.6%
EBIT growth 1Y-15.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.31%
EBIT Next 3Y-0.78%
EBIT Next 5Y15.71%
FCF growth 1Y13.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1.5%
OCF growth 3YN/A
OCF growth 5YN/A

PERSONALIS INC / PSNL FAQ

Can you provide the ChartMill fundamental rating for PERSONALIS INC?

ChartMill assigns a fundamental rating of 2 / 10 to PSNL.


What is the valuation status for PSNL stock?

ChartMill assigns a valuation rating of 0 / 10 to PERSONALIS INC (PSNL). This can be considered as Overvalued.


What is the profitability of PSNL stock?

PERSONALIS INC (PSNL) has a profitability rating of 0 / 10.


What is the financial health of PERSONALIS INC (PSNL) stock?

The financial health rating of PERSONALIS INC (PSNL) is 5 / 10.