Pacific Health Care Organization (PFHO) AI Stock Analysis

• Market Cap: $10.50M
• Dividend Yield: N/A
• Average Volume (3M): 3.88K
• Price to Earnings (P/E): 10.7
• Beta (1Y): -0.21
• Revenue Growth: 7.22%
• EPS Growth: 15.00%
• Country: US
• Employees: 29
• Sector: Healthcare
• Sector Strength: 41
• Industry: Medical - Healthcare Plans
• EPS (TTM): 0.02
• Shares Outstanding: 12,800,000
• 10 Day Avg. Volume: 5,037
• 30 Day Avg. Volume: 3,875
• PEG Ratio: 1.43
• Price to Book (P/B): 0.78
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 13.33
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Pacific Health Care Organization maintains a strong financial footing, characterized by excellent profit margins and a low-risk balance sheet. These factors contribute positively to its stock score. Technical analysis indicates stability without significant upward or downward momentum, while the valuation suggests the stock is fairly priced with no dividend return. The absence of earnings call data and corporate events keeps the focus on its stable financial performance and valuation metrics.

Pacific Health Care Organization Business Overview & Revenue Model

Company Description

Pacific Health Care Organization, Inc., together with its subsidiaries, provides specialty workers' compensation managed care services for self-administered employers, insurers, third-party administrators, municipalities, and other industries in the United States. The company is involved in managing health care organizations (HCOs) and medical provider networks (MPNs); and negotiates legal agreements for the implementation of workers' compensation carve-outs for California customers. It also offers HCO, MPN, and medical case management programs; and claims-related services, including utilization and medical bill review, medical case management, lien representation, legal support, and Medicare set aside. The company was formerly known as Clear Air, Inc. and changed its name to Pacific Health Care Organization, Inc. in January 2001. Pacific Health Care Organization, Inc. was incorporated in 1970 and is based in Newport Beach, California.

How the Company Makes Money

PFHO generates revenue primarily through service fees charged for its array of healthcare management services. Key revenue streams include fees from utilization review services, which involve assessing proposed medical treatments for injured workers; case management services, where PFHO provides ongoing support to manage medical cases efficiently; and access fees for its network of medical providers. Additionally, PFHO may have partnerships with insurance companies and employers who seek to optimize their workers' compensation processes. The company's earnings are influenced by the volume of cases managed and the efficiency of their cost-containment strategies.

Pacific Health Care Organization Financial Statement Overview

Summary

Overall, Pacific Health Care Organization exhibits strong financial health and stability, supported by robust profit margins, low leverage, and a solid equity position. While revenue and profit are on an upward trajectory, cash flow management presents an area for potential enhancement. The company's financial statements reflect a well-managed organization with minimal financial risk and good profitability metrics. Continued focus on cash flow efficiency could further strengthen its financial position.

Income Statement

Pacific Health Care Organization's income statement indicates stable profitability. The company maintained a strong gross profit margin, achieving 100% for the latest year, which is uncommon and suggests no direct cost of goods sold, likely due to its business model in the medical service sector. The net profit margin improved to 14.57% in 2024 from 13.64% in 2023, showcasing efficiency in expense management. Revenue growth was 7.73% from 2023 to 2024, indicating a positive upward trend. EBIT and EBITDA margins also reflect operational efficiency, with increases in both metrics year-over-year.

Balance Sheet

The balance sheet of PFHO is solid with a very low debt-to-equity ratio, as the company has no debt reported for 2024. This indicates financial stability and low leverage risk. Return on equity (ROE) improved to 7.56% in 2024 from 7.11% in 2023, showing better utilization of equity to generate profits. An equity ratio of 93.98% highlights a strong equity base compared to total assets, reducing risk exposure.

Cash Flow

The cash flow statement shows mixed results with a decline in operating cash flow from 2023 to 2024, yet free cash flow remains positive. The operating cash flow to net income ratio indicates a decrease in cash-generating efficiency at 0.76 for the latest year. The free cash flow to net income ratio is strong at 0.75, suggesting good cash conversion of earnings. Free cash flow growth was negative compared to the previous year, indicating potential areas for improvement.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
6.46M	6.07M	5.63M	5.74M	5.40M	6.04M
	Gross Profit
3.73M	2.58M	2.16M	2.18M	2.01M	2.37M
	EBIT
991.86K	852.62K	678.53K	666.12K	516.48K	820.27K
	EBITDA
1.12M	1.30M	716.06K	727.32K	-119.42K	875.70K
	Net Income Common Stockholders
978.84K	883.58K	767.93K	492.89K	995.02K	549.57K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
11.10M	11.10M	10.44M	10.78M	10.09M	9.50M
	Total Assets
12.43M	12.43M	11.82M	12.05M	11.33M	11.11M
	Total Debt
0.00	0.00	56.49K	50.14K	70.37K	769.98K
	Net Debt
-2.07M	-2.07M	-2.51M	-1.99M	-10.02M	-8.73M
	Total Liabilities
745.60K	745.60K	1.02M	735.07K	508.46K	1.28M
	Stockholders Equity
11.69M	11.69M	10.80M	11.32M	10.82M	9.83M
Cash Flow		Free Cash Flow
700.97K	665.95K	914.84K	672.37K	368.01K	933.59K
	Operating Cash Flow
714.86K	675.08K	932.36K	711.24K	386.39K	987.44K
	Investing Cash Flow
-1.14M	-1.13M	806.79K	-8.76M	-18.38K	-53.85K
	Financing Cash Flow
14.15K	35.30K	-1.21M	0.00	218.90K	460.70K

Pacific Health Care Organization Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFHO, the sentiment is Positive. The current price of 0.82 is above the 20-day moving average (MA) of 0.75, above the 50-day MA of 0.73, and above the 200-day MA of 0.78, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 65.03 is Neutral, neither overbought nor oversold. The STOCH value of 89.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFHO.

Pacific Health Care Organization Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MOH	78 Outperform	$17.63B	15.72	26.72%	―	16.71%	12.23%
OSCR	77 Outperform	$4.27B	60.12	10.43%	―	54.26%	―
PFHO	71 Outperform	$10.50M	10.73	8.52%	―	7.22%	15.00%
ALHC	54 Neutral	$3.21B	―	-75.82%	―	49.12%	43.50%
Sector *	52 Neutral	$5.19B	3.04	-44.64%	2.82%	16.45%	-0.53%
CLOV	50 Neutral	$1.83B	―	-7.75%	―	-32.45%	80.24%