Personalis, Inc. — financial distress indicators
Financial-health summary
Personalis, Inc.'s reported numbers place it in the 'Watch' financial-health band (distress score 38/100). The main indicators are losses in each of the last 3 years, operations consume cash and steep revenue decline.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net income negative in 3 of 3 fiscal years.
Persistent losses erode equity and the capacity to absorb shocks.
Operating cash flow negative in 3 of the last 3 years.
A business that cannot fund itself from operations depends on external capital to survive.
Revenue changed -18% year over year.
Falling sales reduce cash available for debt service.
Share count up +20% in a year.
Large issuance usually funds operating losses rather than growth.
0 severe and 1 moderate distress-related headlines in the last 6 months.
Headlines are corroborating evidence only; they are weighted lightly and never drive a flag alone.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- downgradeBTIG Downgrades Personalis (PSNL) to Neutral Amid Acquisition by Tempus AI - GuruFocusGoogle News · 2026-10-06
- TEM Stock On Track For Best Week In 4 Months Following Personalis Deal Spotlight - StocktwitsGoogle News · 2026-10-08
- Liquidity Mapping Around (PSNL) Price Events - Stock Traders DailyGoogle News · 2026-10-08
- Personalis (PSNL) On Tempus Deal Optimism Looks Slightly Pricey - Simply Wall StreetGoogle News · 2026-10-08
- A 30-day merger waiting period ends for Personalis (PSNL) and its proposed acquirer. - Stock TitanGoogle News · 2026-10-06
- Why Is PSNL Stock Up 5% After-Hours? - Yahoo FinanceGoogle News · 2026-07-16
⚖️ U.S. legal pathway — Title 11, U.S. Code
Which chapter would apply?
- Chapter 11 — reorganisation. Management usually stays in control as debtor-in-possession; the automatic stay (§362) halts collection; a plan must meet the best-interests test (§1129(a)(7)) and the absolute priority rule (§1129(b)) — creditors are paid before shareholders, who are frequently wiped out.
- Chapter 7 — liquidation. A trustee sells assets and distributes proceeds by statutory priority (§§507, 726).
- Subchapter V (“Chapter 5”) is a fast track for small-business debtors under a statutory debt cap, but SEC-reporting companies are excluded (§101(51D)) — so it rarely applies to listed companies.
What typically triggers a filing
- Payment default or covenant breach lenders will not waive; a debt maturity that cannot be refinanced.
- Auditor going-concern doubt (ASC 205-40 / PCAOB AS 2415) — often itself a default trigger in loan agreements.
- Creditors can force a case with an involuntary petition (§303) if debts are not paid as they come due.
- Delisting after sustained sub-$1 prices or equity deficits cuts off equity funding.
Transactions shortly before filing can be clawed back (preferences — 90 days, §547; fraudulent transfers — 2 years, §548).
Frequently asked questions
What do Personalis, Inc.'s financial-health indicators show?
As of 2026-10-08, Personalis, Inc.'s public financial data places it in the 'Watch' band with a distress score of 38/100, driven by losses in each of the last 3 years, operations consume cash and steep revenue decline. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Personalis, Inc.'s financial distress score?
38/100 ('Watch').
What works in Personalis, Inc.'s favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Healthcare & MedTech companies with distress indicators
- Adagio Medical Holdings, Inc. (ADGM)Very weak 100/100
- DataMEDS AI, Inc. (MEDS)Very weak 100/100
- OneMedNet Corporation (ONMD)Very weak 100/100
- Profusa, Inc. (PFSA)Very weak 100/100
- Picard Medical, Inc. (PMI)Very weak 100/100
- Synergy CHC Corp. (SNYR)Very weak 100/100
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Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.