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Pacific Health Care Organization
(OTC:PFHO)
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Rating:66Neutral
Price Target:
$0.97
▼(-25.80% Downside)
Action:Reiterated
Date:06/11/26
The score is driven by solid financial quality (strong margins, good cash conversion, minimal leverage) and a supportive low P/E, but is meaningfully held back by weak technicals (price below major moving averages and negative MACD) plus near-term fundamentals pressure from TTM revenue and cash flow softening and the flagged balance-sheet inconsistency.
Positive Factors
High Profit Margins
Sustained gross margins near 50% and net margins around 20% indicate durable service-level pricing power and operating efficiency. These margins provide a structural earnings cushion versus volume volatility, supporting reinvestment, stable cash flow conversion and long-term profitability.
Negative Factors
TTM Revenue Decline
A near-5% TTM revenue drop signals demand or volume weakness in core workers' compensation management services. Persistent top-line contraction limits scalability of fixed-cost leverage, can compress future earnings growth and may reflect client contract or claims-volume pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profit Margins
Sustained gross margins near 50% and net margins around 20% indicate durable service-level pricing power and operating efficiency. These margins provide a structural earnings cushion versus volume volatility, supporting reinvestment, stable cash flow conversion and long-term profitability.
Read all positive factors
Pacific Health Care Organization (PFHO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.57M
Dividend YieldN/A
Average Volume (3M)7.05K
Price to Earnings (P/E)8.2
Beta (1Y)-0.31
Revenue Growth-0.98%
EPS Growth31.63%
CountryUS
Employees30
SectorHealthcare
Sector Strength45
IndustryMedical - Healthcare Plans
Share Statistics
EPS (TTM)0.10
Shares Outstanding12,800,000
10 Day Avg. Volume14,170
30 Day Avg. Volume7,053
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)1.27
Price to Sales (P/S)2.48
P/FCF Ratio14.63
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pacific Health Care Organization Business Overview & Revenue Model
Company Description
Pacific Health Care Organization, Inc. (PFHO), along with its various subsidiaries, specializes in providing targeted managed care services for workers' compensation throughout the United States. The company serves a wide array of clients, includi...
How the Company Makes Money
The company generates revenue by providing specialized health care management solutions to its clients. Its key revenue streams include fees charged for professional services such as medical cost containment, case management, and utilization revie...
Pacific Health Care Organization Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.39M | 6.72M | 6.07M | 5.63M | 5.74M | 5.40M |
| Gross Profit | 3.84M | 3.22M | 2.58M | 2.16M | 2.18M | 2.01M |
| EBITDA | 1.58M | 1.03M | 1.30M | 716.06K | 700.12K | 1.25M |
| Net Income | 1.29M | 1.39M | 883.58K | 767.93K | 492.89K | 995.02K |
Balance Sheet | ||||||
| Total Assets | 13.77M | 13.48M | 12.43M | 11.82M | 12.05M | 11.33M |
| Cash, Cash Equivalents and Short-Term Investments | 12.53M | 12.21M | 11.10M | 10.44M | 10.78M | 10.09M |
| Total Debt | 0.00 | 0.00 | 35.30K | 56.49K | 50.14K | 70.37K |
| Total Liabilities | 496.53K | 401.85K | 745.60K | 1.02M | 735.07K | 508.46K |
| Stockholders Equity | 13.27M | 13.07M | 11.69M | 10.80M | 11.32M | 10.82M |
Cash Flow | ||||||
| Free Cash Flow | 1.03M | 1.14M | 665.95K | 914.84K | 672.37K | 368.01K |
| Operating Cash Flow | 1.06M | 1.16M | 675.08K | 932.36K | 711.24K | 386.39K |
| Investing Cash Flow | -981.64K | -990.15K | -1.13M | 806.79K | -8.76M | -18.38K |
| Financing Cash Flow | -37.00K | -72.31K | 35.30K | -1.21M | 0.00 | 218.90K |
Pacific Health Care Organization Technical Analysis
Neutral
1.31
Price Trends
0.96
Negative
1.08
Negative
1.15
Negative
Market Momentum
-0.03
Negative
52.23
Neutral
37.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFHO, the sentiment is Neutral. The current price of 1.31 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.96, and above the 200-day MA of 1.15, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 52.23 is Neutral, neither overbought nor oversold. The STOCH value of 37.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PFHO.
Pacific Health Care Organization Risk Analysis
Pacific Health Care Organization disclosed 27 risk factors in its most recent earnings report. Pacific Health Care Organization reported the most risks in the "Production" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Pacific Health Care Organization Peers Comparison
UnderperformOutperform
Sector (51)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $9.37B | -80.55 | -3.27% | ― | 31.95% | -180.28% | |
69 Neutral | $2.54B | -42.05 | -17.08% | ― | 48.75% | -118.24% | |
66 Neutral | $10.57M | 8.23 | 11.75% | ― | -0.98% | 31.63% | |
62 Neutral | $4.38B | 212.49 | 11.50% | ― | 41.81% | ― | |
57 Neutral | $33.93B | -5.08 | -28.72% | ― | 17.02% | -294.77% | |
57 Neutral | $12.95B | 62.56 | 4.44% | ― | 7.72% | -83.64% | |
51 Neutral | $7.86B | -0.30 | -43.30% | 2.27% | 22.53% | -2.21% |
* Healthcare Sector Average
PFHO
Pacific Health Care Organization
0.90
0.01
1.12%
CNC
Centene
66.61
37.47
128.59%
MOH
Molina Healthcare
233.36
29.11
14.25%
CLOV
Clover Health Investments
4.68
1.67
55.48%
OSCR
Oscar Health
30.61
16.74
120.69%
ALHC
Alignment Healthcare
20.93
7.78
59.16%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.