Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.00, read 2026-10-25
Ethical passes the values gate
Price11.04 USD
Fair value17.50
Our investment reviews on this name
2026-10-11Read Accumulation10.00+10.4% to today ✓Markdown gives way to Accumulation after a 9% slide in 5 weeks
2026-09-09Read Markdown10.94+0.9% to today Accumulation gives way to Markdown first Markdown read since July
2026-08-08Read Accumulation11.44-3.5% to today Markdown gives way to Accumulation after a 20% rise in 5 weeks
2026-07-02Read Markdown9.54+15.7% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Phreesia, Inc. holds its Accumulation at $11.04. Consolidating, no directional conviction, held for 120 days.
As held on the ledger · 2026-10-15
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 120 days
Price at the screen
$11.04
Valuation
62.53 trailing · 6.59 forward price to earnings
Values screen
PASS
Beta
0.84
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
18.87%
Below 33%
Interest-bearing debt is just 18.9% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
13.29%
Below 33%
Cash held in interest-bearing accounts and securities is 13.3% of assets, under the one-third limit.
Pass
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Revenue purity
0.45%
Below 5%
Only 0.5% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Clears, in Plain English
Phreesia, clears all five screens. Its business is in a permissible area, its interest-bearing debt is about 19%, inside the ~33% line, and almost none of its income is interest, so it passes.
Read as at 2026-10-25. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when PHR's ethical verdict changes
Today PHR passes the screen. If new figures move it to a fail, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-15 screen. The gold marker is the market price at the same screen. A 58.5% margin of safety to the base estimate.
Third-party analyst targets: 15 covering, consensus Buy. The average target sits +27% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-15 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
PHR trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-25Accumulation$11.04+0.0%Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
2026-10-18Accumulation$11.04+10.4%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 10.4% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
2026-10-02Markdown$10.00-8.6%Entry 6
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 8.6% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
2026-09-09Markdown · changed$10.94-4.4%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 4.4% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 19.9% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
2026-07-18Markdown$9.54+0.0%Entry 3
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 67%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (18 analysts) rates it buy, with a mean price target of $15.
2026-07-03Markdown$9.54+0.0%Entry 2
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Markdown$9.54Entry 1
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.