Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price76.50 USD
Fair value71.50
Ethical score70.0/100
Our investment reviews on this name
2026-10-02Read Accumulation76.50+0.0% to today ✓
2026-09-14Read Markup59.01+29.6% to today ✓
2026-07-02Read Markdown47.82+60.0% to today
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.
Tempus AI, Inc. holds its Accumulation at $76.50. The statistical read favours the sellers, held for 231 days.
As held on the ledger · 2026-10-01
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 231 days
Price at the screen
$76.50
Valuation
N/A trailing · -9,421.18 forward price to earnings
Values screen
FAIL· score 70.0
Beta
3.72
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
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
58.34%
Below 33%
Interest-bearing debt is 58.3% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
6.60%
Below 33%
Cash held in interest-bearing accounts and securities is 6.6% of assets, under the one-third limit.
Pass
Receivables
40.26%
Below 49%
Money owed to the company is 40.3% of assets, under the 49% limit.
Pass
Revenue purity
0.99%
Below 5%
Only 1.0% 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 Falls Short, in Plain English
Tempus AI,'s business is in a permissible area, but its interest-bearing debt is about 58% of the company, well over the ~33% line, so it does not pass on the financial screens.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-10-01 screen. The gold marker is the market price at the same screen. The price runs 6.5% above the base estimate.
Third-party analyst targets: 18 covering, consensus Buy. The average target sits −7% from the screen price.
Reading the gap · Both our model and the Street see limited upside at this price.
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 2026-10-01 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Clinician desktop meets lab data in real time
Picture a hospital where lab results and AI insights hit the doctor's screen without delay. Tempus built the platform that makes it happen, growing revenue 36 percent a year while passing every ethical check we run. The consensus target sits at 66 dollars, a 26 percent lift from today's 52, yet the opportunity rating stays at none.
Forward earnings multiple looks absurd at negative 663 times because profits have not arrived. Margins run at negative 22 percent and return on equity is minus 82 percent, so the business is still burning cash at scale.
Unknown competitive edge leaves the growth story exposed if rivals copy the model. We pass. Analysis, not advice.
The risks · The things to watch: it already moves more than the market on an average day; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
TEM trades on Nasdaq. 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 framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 29.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 29%. Our forward projection puts the odds of a 10% gain over the next month near 35%. The street (15 analysts) rates it buy, with a mean price target of $67. Insiders have been net sellers over the past quarter.
2026-09-14Markup · changed$59.01+27.9%Entry 5
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 27.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 29%. Our forward projection puts the odds of a 10% gain over the next month near 35%. The street (15 analysts) rates it buy, with a mean price target of $67.
2026-08-14Markdown$46.12-3.6%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 29%. Our forward projection puts the odds of a 10% gain over the next month near 35%. The street (15 analysts) rates it buy, with a mean price target of $67.
2026-07-18Markdown$47.82+0.0%Entry 3
The framework 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 passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 29%. Our forward projection puts the odds of a 10% gain over the next month near 35%. The street (15 analysts) rates it buy, with a mean price target of $67.
2026-07-03Markdown$47.82+0.0%Entry 2
The framework 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 passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markdown$47.82Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
