Finvest
TEM Healthcare Technology · Precision medicine · AI health · Genomics · Thesis updated June 14, 2026

Big pharma validates the data bet

01 Running thesis

Data moat, high price

Tempus is trying to build a flywheel in precision medicine. It runs diagnostic tests for patients, cleans and de-identifies the data, then sells data and AI services to drug companies. The bull case is that each new test makes the dataset more useful, and each new pharma deal makes the business more valuable.

The latest evidence helps that case. In Q1 2026, management said Tempus signed a large strategic collaboration with Merck and expanded its relationship with Gilead. It also said it now has almost half a dozen partners at the greater than $100 million deal size. That makes the Data and Services story feel more real and less like a promise.

The financial turn is still early. Q1 2026 revenue grew 36% year over year to $348.1 million, and adjusted EBITDA improved to negative $2.8 million from negative $16.2 million a year earlier. Management still points to about $65 million of positive adjusted EBITDA for full-year 2026.

The bear case has not gone away. Tempus reported a Q1 2026 net loss of $125.9 million, so adjusted EBITDA is not the same as true profit. The stock also needs to justify a rich price while the company faces reimbursement risk, legal risk from a Civil Investigative Demand, and the hard task of turning data contracts into recognized revenue and cash.

May 2026Tempus reported Q1 2026 revenue growth of 36% and Data and Services growth of 41%. Merck signed a large strategic collaboration and Gilead expanded its relationship, adding evidence that pharma customers value the dataset.
Feb 2026Management gave first full-year 2026 guidance for about $65 million of positive adjusted EBITDA on about $1.59 billion of revenue. The FY2025 filing also showed more than $1.1 billion of remaining total contract value for Data and Services.
Nov 2025Tempus reached positive adjusted EBITDA for the first time in Q3 2025. The Paige.AI acquisition added digital pathology capabilities, but also added integration risk.
Aug 2025Q2 2025 results showed strong growth in Genomics and Data and Services, helped by Ambry Genetics and demand for Insights. The company also issued $750.0 million of convertible notes, improving liquidity while adding dilution risk.
Feb 2025The long-term story improved with better operating leverage, but the company disclosed a Civil Investigative Demand tied to billing rules. That legal issue remains a key unknown.
02 Business model

Tests feed the dataset

Tempus first makes money from diagnostic testing. Doctors and hospitals order genomic and other molecular tests to help guide care. Ambry Genetics added hereditary and genetic screening, which broadened the testing base beyond oncology.

The second money stream is data. Tempus structures and de-identifies clinical and molecular records, then licenses the data and related AI tools to pharmaceutical and biotech companies. These customers use the products for research, drug development, and clinical trial matching.

This model can be powerful because one patient record can create revenue more than once. The test can be paid for when it is run, and the de-identified data can later support data licensing or services. That is why the Data and Services segment matters so much, even though it was only about 25% of Q1 2026 revenue.

The model breaks if payers cut test reimbursement, if privacy rules limit data use, if pharma customers slow new deals, or if the data does not keep proving useful in drug development. Tempus also needs to show that growth can lead to GAAP net income, which means profit under standard accounting rules.

03 Product portfolio

Four ways to use the data

Growth engine

Oncology and molecular genomics

These are next-generation sequencing, PCR profiling, and other molecular tests sold to healthcare providers. They drive volume and feed the main dataset.

Growth engine

Ambry hereditary genetics

Ambry added hereditary and genetic screening in areas such as pediatrics, rare disease, cardiology, reproductive health, and immunology. It also made Genomics a larger and broader business.

Cash cow

Insights data licensing

Insights gives pharma and biotech customers access to de-identified clinical and molecular data for research. Management has pointed to strong growth and rising contract value in this line.

Option

Trials and AI applications

Trials uses AI to help match patients to clinical trials, while AI applications support diagnostic and clinical decisions. Paige.AI adds digital pathology, but market adoption is still early.

04 Business segments

Q1 mix still test-heavy

Genomics75%growing fast
Data and Services25%growing fast

Segment mix is from the three months ended March 31, 2026. Genomics was about three quarters of revenue, while Data and Services was about one quarter, even though Data and Services grew faster.

05 Risk factors

What could break

Adjusted profit may not become real profit

High impact · Medium odds

Tempus is close to adjusted EBITDA profit, but it still reported a Q1 2026 net loss of $125.9 million. Adjusted EBITDA removes costs that still matter to shareholders, such as some non-cash and financing-related items. The company also had a $2.4 billion accumulated deficit as of December 31, 2025.

We watchWatch quarterly GAAP net loss, operating cash flow, free cash flow, and progress against the about $65 million adjusted EBITDA target for 2026.

Billing investigation overhang

High impact · Medium odds

Tempus received a Civil Investigative Demand from the U.S. Attorney's Office for the Eastern District of New York on March 4, 2024. It relates to the False Claims Act, the Anti-Kickback statute, and the Medicare 14-Day Rule. The company has produced documents, but the possible cost or operating impact is still unknown.

We watchWatch for any filing update, settlement, fine, or change in billing practices tied to the CID.

Genomics reimbursement pressure

High impact · Medium odds

Genomics was about 75% of Q1 2026 revenue, so payment rates matter a lot. If Medicare, private insurers, or hospitals pay less or slow approvals, test revenue and gross profit could suffer. Management expects FDA-approved assays to lift average selling prices over time, but timing is still uncertain.

We watchWatch average selling price, test volume, payer coverage decisions, and adoption of FDA-approved assays such as the amended xT test.

Data contracts may convert slowly

Medium impact · Medium odds

The Data and Services segment depends on turning signed contracts into delivered data, services, and recognized revenue. Remaining total contract value was more than $1.1 billion at December 31, 2025, and newer Merck and Gilead activity adds visibility. Still, investors need to see the cadence of conversion over the next few years.

We watchWatch Data and Services revenue growth, bookings, remaining total contract value, deferred revenue, and customer renewals.

Privacy and data access rules

High impact · Low odds

The main moat is a large proprietary dataset. If privacy rules tighten, hospitals change data-sharing terms, or patients and regulators push back, the data flywheel could slow. That would weaken the reason pharma customers pay for the platform.

We watchWatch new federal or state health data rules, hospital data access changes, and any disclosure about limits on de-identified data use.

Convertible debt and dilution

Medium impact · Medium odds

In July 2025, Tempus issued $750.0 million of 0.75% convertible senior notes due 2030. The notes added cash and helped repay term loans, but they also create future debt service and possible share dilution. If the stock price rises enough for conversion, existing holders could own a smaller slice of the company.

We watchWatch cash flow, note conversion terms, share count, and any new financing.
06 Quick answers

In one breath

What does Tempus AI actually do?

Tempus runs genomic and other diagnostic tests, mainly for healthcare providers. It then structures de-identified patient data and sells data, analytics, and AI tools to drug companies.

Why do Merck and Gilead matter for Tempus?

Large pharma partners show that the dataset may be useful in real drug development work. The Merck collaboration and expanded Gilead relationship also add more revenue visibility for Data and Services.

Is Tempus profitable?

Not under GAAP. Q1 2026 adjusted EBITDA improved to negative $2.8 million, and management guides to about $65 million of positive adjusted EBITDA for 2026, but Q1 net loss was still $125.9 million.

What is the biggest risk for TEM stock?

The biggest risk is paying a high price before the company proves durable cash flow. Investors also need to watch test reimbursement, the billing investigation, and the pace of data contract revenue conversion.