Stock Ratings / Consumer Discretionary / PHR

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Phreesia Inc. (PHR) — RQD Stock Rating Cockpit

$12.53 +1.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Phreesia Inc. (PHR) carries a Roarable Rating of D+ (Sell) with 57/100 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+ • SELL / AVOID Cap $777.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

2-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-0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PHR)Realized 20D OHLCV Swing Band: ±8.3%

RSI-14 MOMENTUMBULLISH MOMENTUM

6730 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.59>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE31% OF RANGE

L: $8$12.53H: $23

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on PHR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

-2.0% ROIC with 42.0% gross margin and 8.71% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (45)

Altman-Z 0.59 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

25/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like PHR

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

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 PHR)

✓Walkthrough of PHR'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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PHR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +36.05%⚡ TESTING RESISTANCE

2026-10-30O $12.59H $12.79L $12.20C $12.53VOL 597.7K

RES: $12.91SUP: $10.02SMA50: $11.04SMA200: $10.92

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PHR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PHR Butterfly Map → + Track PHR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +14.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PHR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PHR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PHR 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 (PHR)

Consumer Discretionary Rank #484 of 1011 ⚔️ MAX vs PHR Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (PHR vs. MAX, CASS, PRTH, QNST)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Phreesia Inc. (PHR) ranks #484 by composite RQD confidence (57/100, grade D+) and #540 by equity capitalization ($777.7M). Within this direct 5-issuer industry benchmark cohort, PRTH leads on earnings valuation at 11.6x trailing P/E, while MAX leads on capital efficiency and profitability with 19.7% ROIC and 15.0% gross margin. QNST currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with PHR at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PHR ACTIVE Phreesia Inc.	D+	57/100	—	—	-2.0%	+1.29%	$777.7M	Benchmark Subject
MAX MediaAlpha Inc. (Class A)	B-	70/100	32.6x	15.0%	19.7%	+20.56%	$836.4M	/max-vs-phr →
CASS Cass Information Systems Inc	C+	66/100	19.6x	—	14.5%	-0.30%	$687.8M	/cass-vs-phr →
PRTH Priority Technology Holdings Inc.	D+	56/100	11.6x	—	12.9%	0.00%	$647.2M	/prth-vs-phr →
QNST QuinStreet Inc.	B	73/100	—	10.1%	2.6%	+4.83%	$980.8M	/qnst-vs-phr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-01-31 • CIK 0001412408

In its most recent audited fiscal period (FY2025, filed 2026-01-31), Phreesia Inc. (PHR) reported GAAP revenue of $467.8M (+14.0% vs. FY2024 revenue of $410.5M , and +35.2% cumulative change since FY2023) , GAAP net income of $2.3M, operating cash flow of $78.8M, and free cash flow of $67.7M (+186.0% YoY). On the balance sheet, PHR closed FY2025 with $663.8M in total assets against $0 in total debt (Altman Z-Score: 0.59, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-01-31	$467.8M	$2.3M	$78.8M	$67.7M	$663.8M	—
FY2024 (FY)	2025-01-31	$410.5M	-$58.5M	$32.4M	$23.7M	$388.4M	—
FY2023 (FY)	2024-01-31	$346.0M	-$136.9M	-$32.4M	-$32.4M	—	—

3. PHR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PHR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Phreesia Inc. (NYSE: PHR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $12.53 (+1.29% 1D, market cap $777.7M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 9/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, PHR ranks #484 in composite RQD confidence.

How does PHR compare to MAX and CASS in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), PHR carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.0%. By comparison, MAX (MediaAlpha Inc. (Class A)) holds a B- grade (70/100 RQD, P/E 32.6x, ROIC 19.7%, cap $836.4M) and CASS (Cass Information Systems Inc) posts a C+ grade (66/100 RQD, P/E 19.6x, ROIC 14.5%, cap $687.8M). Among the 5-stock peer group, PRTH leads on earnings multiple (11.6x) while MAX leads on capital efficiency (19.7% ROIC).

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

Per PHR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001412408), Phreesia Inc. generated $467.8M in revenue (+14.0% YoY), $2.3M in net income, and $67.7M in free cash flow against $663.8M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PHR trading relative to its 50-day, 200-day, and 52-week technical levels?

PHR last traded at $12.53 (+1.29% on volume of 612,747 shares), positioning the stock +13.50% above its 50-day simple moving average ($11.04) and +14.74% above its 200-day simple moving average ($10.92). Across its 52-week range of $7.77 to $23.31, PHR sits at the 30.6% percentile with a 14-day RSI of 67.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.3% ($11.49 to $13.57).

PHR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PHR stock right now?

Phreesia Inc. (PHR) currently earns a Roarable Rating of D+ (Sell — SELL) with 57/100 RQD Confidence. Stretched risk/reward at current multiples (-2% return on capital) under elevated 10-year interest-rate pressure.

What is PHR's 12-month price target and RQD AI Jury consensus?

PHR's 12-month base price target is $12.47 (range $9.73 to $24.48), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PHR RQD Cockpit PHR 12M Forecast PHR Earnings & Move PHR Dividends & DRIP PHR Insiders & 13F PHR Whale Options PHR Profit Sankey PHR News & Why