Stock Ratings / Consumer Discretionary / PHR / dividends

MAX (70) CASS (66) PRTH (56) QNST (73) ⌘ Pro Terminal →

Phreesia Inc. (PHR) Dividend Safety Gauge & 10-Year DRIP Compounder

$12.53 +1.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.54

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.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $12.54 (+0.04%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 14.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (57/100 Composite)

🔍 WHY PHR SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (25% of score)

FRED Regime × Technicals: 31% of 52W Range • RSI-14 at 67 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk9/20 pts (-11 pt drag)

Balance-sheet & 10-K footnote risk deducts 11 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$10.81+1.2% Next Q

Q2 (-2Q)

Grade C-$10.94+16.1% Next Q

Q3 (-1Q)

Grade C-$12.70-1.3% Next Q

Current

Grade D+$12.53-0.2% Hist 90D α

Trajectory: D (49) → D+ (57)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PHR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, PHR faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($11.04) or 200D SMA ($10.92) invalidates the momentum regime and cuts Target Base ($12.47) toward Bear Floor ($9.73).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PHR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PHR Beats Next Quarter EPS Consensus (Jan 30, 2027) & Holds Above 200D SMA”

YES 57%NO 43%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,782

Est. Year-10 Shareholder Yield: $446/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$12.0K

Yr 2

$13.1K

Yr 3

$14.4K

Yr 4

$15.7K

Yr 5

$17.2K

Yr 6

$18.9K

Yr 7

$20.7K

Yr 8

$22.6K

Yr 9

$24.8K

Yr 10

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

Does PHR pay a dividend and is it safe?

Phreesia Inc. (PHR) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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