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Youlife Group Inc. (YOUL) — RQD Stock Rating Cockpit

$0.26 -10.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.25

Youlife Group Inc. (YOUL) carries a Roarable Rating of D (Sell) with 47/100 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 Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $36.3M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.25 (-2.06%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).

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-3.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for YOUL)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (47/100 Composite)

🔍 WHY YOUL SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (28% of score)

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

▲ #2 Bullish Driver: Whale & Options Positioning+11/20 pts (23% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0.4% operating margin leave 15 pts on the table

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

Q1 (-3Q)

Grade C$0.36-19.4% Next Q

Q2 (-2Q)

Grade C-$0.29-10.3% Next Q

Q3 (-1Q)

Grade C-$0.26+0% Next Q

Current

Grade D$0.26-5.9% Hist 90D α

Trajectory: C (55) → D (47)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a YOUL Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While YOUL currently carries a cautious 47/100 (D) rating due to Cash Engine Quality (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Real Estate with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.40) and Max Pain ($0.27) forces dealer call-delta covering toward $2.24.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

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

Contract: “YOUL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 47%NO 53%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

32.430 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

1.62>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE3% OF RANGE

L: $0$0.26H: $2

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: ERQD 5 / 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: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

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

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (25)

0.9% ROIC with 10.4% gross margin and 4.71% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 1.62 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (53)

24/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like YOUL

✓Established market leader in Real Estate with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!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 YOUL)

✓Walkthrough of YOUL'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

YOUL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -72.63%▼ SUPPORT BREAKDOWN

2026-10-30O $0.26H $0.33L $0.20C $0.26VOL 528.5K

RES: $0.35SUP: $0.32SMA50: $0.40SMA200: $0.74

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

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

🦋 YOUL Butterfly Map → + Track YOUL →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-11.1%/yr Implied 5Y Growth

vs. +6.0% 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 YOUL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

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

Real Estate Rank #32 of 51 ⚔️ STG vs YOUL Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (YOUL vs. STG, AACG, YQ, LFS)

Industry: Other Consumer Services (73 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, Youlife Group Inc. (YOUL) ranks #32 by composite RQD confidence (47/100, grade D) and #34 by equity capitalization ($36.3M). Within this direct 5-issuer industry benchmark cohort, YOUL leads on earnings valuation at 5.9x trailing P/E, while STG leads on capital efficiency and profitability with 80.4% ROIC and 86.9% gross margin. LFS currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with YOUL at 47/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
YOUL ACTIVE Youlife Group Inc.	D	47/100	5.9x	10.4%	0.9%	-10.41%	$36.3M	Benchmark Subject
STG Sunlands Technology Group representing (Class A)	D	51/100	—	86.9%	80.4%	0.00%	$32.7M	/stg-vs-youl →
AACG ATA Creativity Global	D-	35/100	—	48.6%	-35.0%	-1.51%	$44.5M	/aacg-vs-youl →
YQ 17 Education & Technology Group Inc.	D	44/100	—	47.7%	-35.0%	-9.15%	$29.1M	/yq-vs-youl →
LFS LEIFRAS Co. Ltd.	B-	71/100	19.6x	29.5%	26.5%	0.00%	$54.9M	/lfs-vs-youl →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002028177

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Youlife Group Inc. (YOUL) reported GAAP revenue of $265.2M , GAAP net income of $6.2M, operating cash flow of $1.7M, and free cash flow of $1.7M . On the balance sheet, YOUL closed FY2025 with $177.7M in total assets against $0 in total debt (Altman Z-Score: 1.62, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$265.2M	$6.2M	$1.7M	$1.7M	$177.7M	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Youlife Group Inc. (NASDAQ: YOUL) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $0.26 (-10.41% 1D, market cap $36.3M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 51 tracked Real Estate issuers, YOUL ranks #32 in composite RQD confidence.

How does YOUL compare to STG and AACG in the Real Estate sector?

Within the Real Estate sector (Other Consumer Services), YOUL carries a Roarable D (47/100 RQD), trailing P/E of 5.9x, gross margin of 10.4%, and ROIC of 0.9%. By comparison, STG (Sunlands Technology Group representing (Class A)) holds a D grade (51/100 RQD, P/E N/A, ROIC 80.4%, cap $32.7M) and AACG (ATA Creativity Global) posts a D- grade (35/100 RQD, P/E N/A, ROIC -35.0%, cap $44.5M). Among the 5-stock peer group, YOUL leads on earnings multiple (5.9x) while STG leads on capital efficiency (80.4% ROIC).

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

Per YOUL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002028177), Youlife Group Inc. generated $265.2M in revenue, $6.2M in net income, and $1.7M in free cash flow against $177.7M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Real Estate with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

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

YOUL last traded at $0.26 (-10.41% on volume of 154,744 shares), positioning the stock -35.00% below its 50-day simple moving average ($0.40) and -64.86% below its 200-day simple moving average ($0.74). Across its 52-week range of $0.20 to $2.13, YOUL sits at the 3.1% percentile with a 14-day RSI of 32.4 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.29).

YOUL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

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

Youlife Group Inc. (YOUL) currently earns a Roarable Rating of D (Sell — SELL) with 47/100 RQD Confidence. Stretched risk/reward at 6x P/E (1% return on capital) under elevated 10-year interest-rate pressure.

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

YOUL's 12-month base price target is $0.25 (range $0.2 to $2.24), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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