Pacific Health Care Organization (PFHO) AI Stock Analysis

Pacific Health Care Organization

(Other OTC:PFHO)

Select Model

Rating:77Outperform

Price Target:$1.00▲(5.26% Upside)

Action:reiterated

Date:08/08/26

The overall score of 77 reflects a fundamentally strong company with a debt-free balance sheet and consistent cash flows, combined with an undervalued P/E ratio. Short-term technical indicators are mixed, with recent price strength but overbought signals, providing some caution. The primary strengths are the solid financial position and low valuation, while margin compression and technical resistance are secondary concerns.

Positive Factors

Conservative Balance SheetZero reported debt provides durable financial flexibility and lowers default risk, enabling the company to fund operations, invest in growth, or endure cyclical stress without interest burdens. This structural conservatism supports long-term resilience and strategic optionality.

Negative Factors

Margin CompressionMaterial decline from prior-year margins signals weaker pricing power, higher costs, or mix shifts that reduce operating leverage. If these pressures persist, they will structurally erode earnings convertibility of revenue, constrain reinvestment, and lower sustainable return on capital across coming quarters.

Pacific Health Care Organization (PFHO) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $12.80M
Dividend Yield: ―
Average Volume (3M): 10.05K
Price to Earnings (P/E): 13.1
Beta (1Y): 0.06
Revenue Growth: -2.60%
EPS Growth: -30.07%
Country: US
Employees: 30
Sector: Healthcare
Sector Strength: 51
Industry: Medical - Healthcare Plans

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, including...

How the Company Makes Money

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Pacific Health Care Organization Financial Statement Overview

Summary

Strong balance sheet (score 90) with no debt and substantial equity, providing financial flexibility. Income statement (score 70) shows robust revenue growth but recent margin compression. Cash flow (score 75) is consistently positive with good coverage. Overall financial health is solid but tempered by margin pressures.

Income Statement

70Positive

Balance Sheet

90Very Positive

Cash Flow

75Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	6.44M	6.72M	6.07M	5.63M	5.74M	5.40M
Gross Profit	2.98M	3.22M	2.58M	2.16M	2.18M	2.01M
EBITDA	1.05M	1.03M	1.30M	716.06K	700.12K	1.25M
Net Income	978.75K	1.39M	883.58K	767.93K	492.89K	995.02K
Balance Sheet
Total Assets	14.11M	13.48M	12.43M	11.82M	12.05M	11.33M
Cash, Cash Equivalents and Short-Term Investments	12.47M	12.21M	11.10M	10.44M	10.78M	10.09M
Total Debt	0	0	35.30K	56.49K	60.65K	70.37K
Total Liabilities	516.04K	401.85K	745.60K	1.02M	735.07K	508.46K
Stockholders Equity	13.60M	13.07M	11.69M	10.80M	11.32M	10.82M
Cash Flow
Free Cash Flow	569.93K	1.14M	665.95K	914.84K	672.37K	368.01K
Operating Cash Flow	597.74K	1.16M	675.08K	932.36K	711.24K	386.39K
Investing Cash Flow	-477.55K	-990.15K	-1.13M	806.79K	-8.76M	-18.38K
Financing Cash Flow	-36.38K	-72.31K	35.30K	-1.21M	0	218.90K

Pacific Health Care Organization Technical Analysis

Technical Analysis SentimentPositive

Last Price0.95

Price Trends

50DMA0.98Positive

100DMA0.93Positive

200DMA1.05Negative

Market Momentum

MACD-0.00Negative

RSI57.17Neutral

STOCH49.21Neutral

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 0.95 is below the 20-day moving average (MA) of 0.95, below the 50-day MA of 0.98, and below the 200-day MA of 1.05, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 57.17 is Neutral, neither overbought nor oversold. The STOCH value of 49.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.

Production - Risks related to the company’s ability to manufacture goods and services

Latest Risks Added

1 New Risk

1.Management does not believe there have been any material changes to the risk factors listed under Part I, Item 1A Risk Factors of our Annual Report.Q2, 2026

Pacific Health Care Organization Peers Comparison

Overall Rating

UnderperformOutperform

Sector (51)

Financial Indicators

PFHO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFHO	77Outperform	$12.16M	13.07	7.42%	―	-2.60%	-30.07%
CLOV	73Outperform	$2.37B	-106.42	-5.38%	―	54.04%	57.31%
OSCR	70Outperform	$9.38B	18.13	38.53%	―	42.82%	―
CNC	64Neutral	$33.89B	22.48	6.78%	―	9.71%	―
ALHC	59Neutral	$1.52B	49.72	12.46%	―	35.87%	―
MOH	52Neutral	$10.69B	-341.72	-1.17%	―	-0.95%	-105.84%
Sector *	51Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%

* Healthcare Sector Average

Performance Comparison

PFHO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PFHO	Pacific Health Care Organization, Inc.	1.00	-0.15	-13.04%
CNC	Centene	66.53	30.42	84.24%
MOH	Molina Healthcare Inc	208.45	56.76	37.42%
CLOV	Clover Health Investments Corp	4.31	0.79	22.44%
OSCR	Oscar Health, Inc.	31.00	13.84	80.65%
ALHC	Alignment Healthcare, Inc.	7.00	-10.09	-59.04%

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.

Date of analysis: Aug 08, 2026

Pacific Health Care Organization AI Stock Analysis