PSNL
Personalis, Inc.
PSNL's outlook is improving, though it still trails on the overall score.
UNH
UnitedHealth Group Incorporated
UNH has the edge over PSNL overall, supported by lower modeled downside and stronger fundamentals.
PSNL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Weak | |
| Weak | |
| Unavailable |
PSNL's revenue is currently strong, but its profitability and cash flow are weak. There isn't enough data to rate its balance sheet.
UNH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Healthy | |
| Healthy |
UNH's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.
PSNL PE Valuation
PSNL has no meaningful PE right now: it lost money over the past year.
UNH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 18x | $405 | — |
| Cheap | 19x | $325 | -20% |
| Fair | 23x | $410 | +1.2% |
| Current | 23x | $405 | — |
| Expensive | 30x | $526 | +30% |
Historical ranges are pointers, not guarantees.
UNH's PE is in its fair range at 23x. If earnings grow as analysts expect, today's price would be 18x next year's earnings, in its cheap range.
PSNL Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| -- | |
| Limited | |
| Moderate |
Analysts expect PSNL's losses to shrink, with revenue growing.
UNH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Improving | |
| Moderate | |
| Low |
Analysts expect UNH's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
PSNL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$1.17 | -$0.29 |
| Q2 2026 | -$1.09 | +$0.19 |
| Q1 2026 | -$1.02 | +$0.27 |
| Q4 2025 | -$0.91 | +$0.46 |
| Q3 2025 | -$0.88 | +$0.80 |
| Q2 2025 | -$1.28 | +$0.36 |
| Q1 2025 | -$1.29 | +$0.61 |
| Q4 2024 | -$1.37 | +$0.88 |
PSNL is still losing money, but far less than before: $1.17 per share over the past year, against $2.48 at its worst in late 2022.
UNH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $22.65 | +29% |
| Q3 2026 | $17.55 | -8.5% |
| Q2 2026 | $15.58 | -33% |
| Q1 2026 | $13.28 | -44% |
| Q4 2025 | $13.23 | -15% |
| Q3 2025 | $19.17 | +25% |
| Q2 2025 | $23.09 | +53% |
| Q1 2025 | $23.89 | +46% |
| Q4 2024 | $15.51 | -35% |
UNH has the edge over PSNL on earnings quality, reporting a profit while its opponent remains loss making.
PSNL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.6M | +77% |
| Q2 2026 | $22.4M | +30% |
| Q1 2026 | $15.5M | -25% |
| Q4 2025 | $17.3M | +3.2% |
| Q3 2025 | $14.5M | -44% |
| Q2 2025 | $17.2M | -24% |
| Q1 2025 | $20.6M | +5.5% |
| Q4 2024 | $16.8M | -15% |
PSNL's revenue is growing: $26M last quarter, up 77% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -139% | +22 points |
| Q2 2026 | -150% | -24 points |
| Q1 2026 | -208% | -122 points |
| Q4 2025 | -146% | -38 points |
| Q3 2025 | -161% | -105 points |
| Q2 2025 | -127% | -52 points |
| Q1 2025 | -86% | +11 points |
| Q4 2024 | -108% | +14 points |
PSNL's operating margin was −139% last quarter, up 22 points from the same quarter a year ago.
UNH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $112.7B | -0.4% |
| Q2 2026 | $112B | +0.4% |
| Q1 2026 | $111.7B | +2% |
| Q4 2025 | $113.2B | +12% |
| Q3 2025 | $113.2B | +12% |
| Q2 2025 | $111.6B | +13% |
| Q1 2025 | $109.6B | +9.8% |
| Q4 2024 | $100.8B | +6.8% |
UNH has the edge over PSNL on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.8% | +2 points |
| Q2 2026 | 7.1% | +2.5 points |
| Q1 2026 | 8.1% | -0.3 points |
| Q4 2025 | 0.3% | -7.4 points |
| Q3 2025 | 3.8% | -4.8 points |
| Q2 2025 | 4.6% | -3.4 points |
| Q1 2025 | 8.3% | +0.4 points |
| Q4 2024 | 7.7% | -0.4 points |
UNH has the edge over PSNL on profitability, with a higher operating margin.
PSNL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$30.1M | -$6.7M |
| Q2 2026 | -$29.6M | -$16.3M |
| Q1 2026 | -$25.7M | -$5.2M |
| Q4 2025 | -$22.3M | -$13.3M |
| Q3 2025 | -$23.4M | -$17M |
| Q2 2025 | -$13.2M | -$2.5M |
| Q1 2025 | -$20.5M | +$45K |
| Q4 2024 | -$9M | +$7.9M |
PSNL has burned cash in almost every quarter: −$108M over the past year, against −$66M the year before.
UNH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3B | -16% |
| Q2 2026 | $10.3B | +63% |
| Q1 2026 | $8.1B | +79% |
| Q4 2025 | $160M | -89% |
| Q3 2025 | $5.1B | -61% |
| Q2 2025 | $6.3B | +6.9% |
| Q1 2025 | $4.6B | +1037% |
| Q4 2024 | $1.5B | +$7.6B |
UNH has the edge over PSNL on cash generation, producing positive trailing cash flow while its opponent burns cash.
PSNL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +1.8M shares |
| 1 year | +21% | +18.5M shares |
| 3 years | +125% | +59.5M shares |
| 5 years | +144% | +63.2M shares |
| Available history | +242% | +75.9M shares |
PSNL has 107M diluted shares, up 21% from a year ago.
UNH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -4M shares |
| 1 year | -0.7% | -6M shares |
| 3 years | -3.6% | -34M shares |
| 5 years | -5.5% | -53M shares |
| Available history | -6.6% | -64M shares |
UNH has the edge over PSNL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3.4B |
| Q2 2026 | $1.6B |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $2.5B |
| Q1 2025 | $3B |
| Q4 2024 | $5B |
UNH spent $5B buying back its own shares over the past year, down 52% from the year before.
PSNL Net Leverage
PSNL's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
UNH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 2.2x | Moderate |
| Q4 2025 | 2.3x | Moderate |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.4x | Healthy |
UNH's net debt is about 1.7 years of its operating earnings (EBITDA), about the same as a year ago.
PSNL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.9 | Neutral |
| Stochastic | 50.9 | Neutral |
PSNL's weekly RSI is 60 (neutral) and its Stochastic is 51 (neutral).
UNH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.4 | Neutral |
| Stochastic | 60.0 | Neutral |
UNH's weekly RSI is 56 (neutral) and its Stochastic is 60 (neutral).
PSNL PE vs Healthcare Sector
PSNL has no meaningful PE right now: it lost money over the past year.
UNH PE vs Healthcare Sector
| Metric | UNH | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 26x | 11% below |
| PE % | 47 | 29 | 18 pts above |
UNH is trading at 23x earnings, a 11% discount to the Healthcare sector's median of 26x.
PSNL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.0 | 0.6% below |
| 20 week MA | $15.4 | 2.8% above |
| 50 week MA | $11.2 | 42% above |
| 100 week MA | $8.46 | 87% above |
| 200 week MA | $5.45 | 191% above |
PSNL's trend is up, with a small recent dip: it's below only its 8-week average, and 191% above its 200-week average.
UNH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $394.2 | 2.8% above |
| 20 week MA | $400.5 | 1.2% above |
| 50 week MA | $361.2 | 12% above |
| 100 week MA | $376.0 | 7.8% above |
| 200 week MA | $446.6 | 9.3% below |
UNH has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 9.3% below its 200-week average.
PSNL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.68 | $41.5 | +329% |
| 2021 | $41.5 | $14.4 | -65% |
| 2022 | $14.4 | $1.95 | -86% |
| 2023 | $1.95 | $2.10 | +7.7% |
| 2024 | $2.10 | $5.87 | +180% |
| 2025 | $5.87 | $8.14 | +39% |
| 2026 YTD | $8.14 | $15.9 | +95% |
PSNL has the edge over UNH on returns for 2026, with the stronger performance.
UNH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $296.0 | $340.8 | +15% |
| 2021 | $340.8 | $495.4 | +45% |
| 2022 | $495.4 | $531.3 | +7.3% |
| 2023 | $531.3 | $526.5 | -0.9% |
| 2024 | $526.5 | $510.0 | -3.1% |
| 2025 | $510.0 | $331.8 | -35% |
| 2026 YTD | $331.8 | $405.1 | +22% |
UNH has finished three years in a row lower, and it's up 22% so far in 2026.