September 23rd, 2025 | 07:10 CEST
The AI doctor in your pocket: PanGenomic Health, Bayer, CVS Health
Healthcare costs are a pressing political issue worldwide - in Germany, for example, debates are resurfacing over co-payments and the requirement to see a general practitioner first. This drives more people to self-medicate. The situation is even more extreme in the US: without mandatory insurance and facing extremely high healthcare costs, almost 9% of the population is uninsured, and around 33% is underinsured, leading many citizens to turn to alternative solutions. We examine business models related to increasing personal responsibility in healthcare, with a special focus on a smaller-cap stock.
time to read: 3 minutes
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Author:
Nico Popp
ISIN:
PANGENOMIC HEALTH INC | CA69842E4031 , BAYER AG NA O.N. | DE000BAY0017 , CVS HEALTH CORP. DL-_01 | US1266501006
Table of contents:

"[...] In Canada, there is $1.75 of debt for every dollar of disposable income - and that was true even before the pandemic. [...]" Karim Nanji, CEO, Marble Financial
Author
Nico Popp
At home in Southern Germany, the passionate stock exchange expert has been accompanying the capital markets for about twenty years. With a soft spot for smaller companies, he is constantly on the lookout for exciting investment stories.
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Dietary supplements have their place
When it comes to our health, we expect comprehensive care. However, for everyday ailments such as colds or minor injuries, we have long relied on products from the pharmacy or drugstore. Over-the-counter medications such as Aspirin from Bayer have been long-standing sales drivers for good reason. The range of OTC products has steadily expanded in recent years. Dietary supplements serve to prevent micronutrient deficiencies, but they are also increasingly being used to support treatment of certain conditions. This is the case, for example, when people with chronic inflammatory diseases often rely on omega-3 fatty acids or curcumin extract.
PanGenomic Health with a promising business model
In the US, the field of dietary supplements is much larger. Not only are higher dosages often allowed, such as with the OTC sleep hormone melatonin, but in some cases, medical precursor substances are also freely available, which can act as hormone precursors with potent effects, helping to treat conditions for which Europeans would typically consult a specialist. The Canadian company PanGenomic Health offers users of these dietary supplements guidance and, at the same time, the opportunity to safely purchase nutritional supplements and freely available active compounds. At the heart of PanGenomic Health's offering is the NaraCare.AI app. There, users can document symptoms and receive tips for effective treatment – with suitable products available in the integrated shop. The app is scheduled to launch in the US in the fourth quarter of 2025. The Company's goal is to support patients with mental health issues, provide recommendations for active ingredients based on blood and saliva tests, and focus on plant-based products. PanGenomic Health sees itself as a "precision health company" and emphasizes that the recommendations from NaraCare.AI are strictly evidence-based** – there is no room for pseudoscience.
The Company's offering seems to have already convinced investors – with a return of a whopping 900%, the stock is one of the absolute high flyers on the trading floor. However, the market capitalization of less than EUR 20 million still appears manageable. In economically uncertain times and in view of rising living costs in the US, PanGenomic Health could strike a chord with NaraCare.AI. Many Americans are already considering whether to go to the doctor at all for certain ailments. PanGenomic Health's offering could therefore score points as a "doctor in your pocket" and even be used in parallel by patients with health insurance.
Walgreens is closing stores – and aims to become more digital
When Americans get sick, Walgreens pharmacy stores are often the first port of call. In addition to OTC products, these stores also offer low-threshold diagnostic services. In March 2025, shareholders approved a billion-dollar takeover bid from investment firm Sycamore Partners. Since August 2025, Walgreens has been a private company and is no longer publicly traded. The individual business units are expected to operate more independently in the future and generate growth primarily through digital offerings. Up to 1,200 of the 8,500 stores are to be closed. Fewer physical locations could support the expansion of digital services. Although telemedicine has always been strongly represented in the US, PanGenomic Health is also likely to benefit from Walgreens' new course. The AI doctor in your pocket is even more convenient for patients than a video call with medical professionals. The costs are also likely to be lower.
Several self-care stocks for investors – PanGenomic remains exciting
Investors have several options for benefiting from the trend toward greater personal responsibility in health matters and digital medical offerings. Pharmaceutical stocks with a strong portfolio of OTC products, such as Bayer, are one option. Pharmacy chains such as CVS Health, which is still listed on the stock exchange, are also an option following the delisting of Walgreens. However, PanGenomic Health continues to offer the greatest leverage for speculative investors. Its offering of an AI-based health coach, affiliated laboratory services, and its own online store is promising. However, the market launch will be decisive. If the Company succeeds in convincing many users, the current valuation may quickly be seen as too low by the market in light of its future prospects.** In view of the rapid rise in the share price, investors should nevertheless not rush into anything at present and wait for a pullback.
Conflict of interest
Pursuant to §85 of the German Securities Trading Act (WpHG), we point out that Apaton Finance GmbH as well as partners, authors or employees of Apaton Finance GmbH (hereinafter referred to as "Relevant Persons") may hold shares or other financial instruments of the aforementioned companies in the future or may bet on rising or falling prices and thus a conflict of interest may arise in the future. The Relevant Persons reserve the right to buy or sell shares or other financial instruments of the Company at any time (hereinafter each a "Transaction"). Transactions may, under certain circumstances, influence the respective price of the shares or other financial instruments of the Company.
In addition, Apaton Finance GmbH is active in the context of the preparation and publication of the reporting in paid contractual relationships.
For this reason, there is a concrete conflict of interest.
The above information on existing conflicts of interest applies to all types and forms of publication used by Apaton Finance GmbH for publications on companies.
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