PSNL · NASDAQ · STOCK
Personalis (PSNL) Stock Analysis
$15.99
52W $4.96 – $18.89
56/100
$1.71B
-14.7
2.32
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is PSNL Bullish or Bearish?
Bullish.
Innellis AI committee rates Personalis, Inc. (PSNL) Buy with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +18.75 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -1.25 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Risk Analyst sees a compelling case — low leverage (debt-to-equity 0.02) -- balance sheet can absorb a shock. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Low leverage (debt-to-equity 0.02) -- balance sheet can absorb a shock — Risk
Bear Case
- ROE of only -46.5% -- cheap may mean cheap for a reason — Value
- Revenue declining -13.3% YoY -- this is not a growth story right now — Growth
- 2 consecutive earnings misses -- execution concerns — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 58%
of 192 Healthcare peers
Value Analyst
neutral
52
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− ROE of only -46.5% -- cheap may mean cheap for a reason
Growth Analyst
bearish
40
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− Revenue declining -13.3% YoY -- this is not a growth story right now
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.02) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 56.2 to 56.2.
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
37.3
Neutral
MACD Histogram
-0.096
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$11.54
Resistance
$16.36
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$16.15
Below
EMA 21
$16.20
Below
EMA 50
$15.53
Above
EMA 200
$11.75
Above
Fundamental Analysis
Valuation
71
Growth
58
Profitability
0
Financial Health
100
Cash Flow
15
Valuation
P/E Ratio
-14.7×
P/B Ratio
7.17×
PEG Ratio
-3.86
Dividend Yield
0.00%
52W High
$18.89
52W Low
$4.96
Quality & Growth
ROE
-3111.6%
ROA
-2432.0%
Gross Margin
1268.6%
Operating Margin
-16407.4%
Revenue Growth YoY
—
Debt / Equity
0.16
AI Fundamental Assessment
P/E ratio of -14.7 (inexpensive relative to a 15-40x range); Price-to-book of 7.2x; PEG ratio of -3.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -31.1%; Return on assets of -24.3%; Net margin of -153.8%; Gross margin of 12.7%; Current ratio of 5.28 (healthy short-term liquidity); Debt-to-equity of 0.16; Free cash flow per share is negative (-0.96); Most recent quarter missed estimates by 13.2%; 2 consecutive earnings misses; EPS growth accelerating (-11.5% -> -3.4% QoQ); Analyst estimates rising over recent quarters
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