Pacific Health Care Organization (PFHO) AI Stock Analysis

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Pacific Health Care Organization

(Other OTC:PFHO)

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Rating:78Outperform

Price Target:$1.00▼(-9.09% Downside)

Action:reiterated

Date:11/04/26

The overall score of 78 is heavily driven by PFHO's pristine financial health, notably its debt-free capital structure and excellent cash flow generation. The stock's highly attractive valuation (11.2 P/E) and positive short-term technical momentum further strengthen the score. Minor risks are present in the form of recent revenue headwinds and a lagging long-term price trend against the 200-day moving average.

Positive Factors

Minimal LeveragePFHO’s near-zero leverage reduces interest burden and refinancing exposure, giving the company greater resilience if operating conditions weaken. A conservative balance sheet also preserves flexibility to fund operations and pursue business priorities without relying heavily on external capital.

Negative Factors

Weak Top-Line PerformanceThe sharp TTM revenue decline points to weakening demand, lower activity, or reduced business volume relative to the prior period. Continued top-line softness could limit operating leverage, constrain reinvestment, and make future earnings growth less dependable.

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

Market Cap: $14.08M
Dividend Yield: ―
Average Volume (3M): 7,203
Price to Earnings (P/E): 12.9
Beta (1Y): -0.01
Revenue Growth: -4.58%
EPS Growth: -24.73%
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...

Pacific Health Care Organization Financial Statement Overview

Summary

Anchored by an exceptionally conservative, debt-free balance sheet and strong cash conversion (98.2% free cash flow to net income ratio). While there have been recent top-line and gross margin contractions, the company maintains a robust 17.1% net profit margin.

Income Statement

65Positive

Balance Sheet

88Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	6.37M	6.72M	6.07M	5.63M	5.74M	5.40M
Gross Profit	2.86M	3.22M	2.58M	2.16M	2.18M	2.01M
EBITDA	875.31K	1.03M	1.30M	716.06K	700.12K	1.25M
Net Income	1.09M	1.39M	883.58K	767.93K	492.89K	995.02K
Balance Sheet
Total Assets	14.37M	13.48M	12.43M	11.82M	12.05M	11.33M
Cash, Cash Equivalents and Short-Term Investments	12.98M	12.21M	11.10M	10.44M	10.78M	10.09M
Total Debt	0	0	35.30K	56.49K	60.65K	70.37K
Total Liabilities	437.49K	401.85K	745.60K	1.02M	735.07K	508.46K
Stockholders Equity	13.93M	13.07M	11.69M	10.80M	11.32M	10.82M
Cash Flow
Free Cash Flow	1.06M	1.14M	665.95K	914.84K	672.37K	368.01K
Operating Cash Flow	1.08M	1.16M	675.08K	932.36K	711.24K	386.39K
Investing Cash Flow	-570.25K	-990.15K	-1.13M	806.79K	-8.76M	-18.38K
Financing Cash Flow	-36.25K	-72.31K	35.30K	-1.21M	0	218.90K

Pacific Health Care Organization Technical Analysis

Technical Analysis SentimentPositive

Last Price1.10

Price Trends

50DMA0.99Positive

100DMA0.95Positive

200DMA1.05Positive

Market Momentum

MACD0.04Negative

RSI68.05Neutral

STOCH97.78Negative

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 1.10 is above the 20-day moving average (MA) of 1.01, above the 50-day MA of 0.99, and above the 200-day MA of 1.05, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 68.05 is Neutral, neither overbought nor oversold. The STOCH value of 97.78 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 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

2 New Risks

1.ItemQ2, 2024

2.A significant percentage of our accounts receivables is generated from a few customers, and if one or more of these customers default on their payment obligations to us, it could have a material impact on our results of operations, cash flows and financial condition.Q4, 2023

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	78Outperform	$14.08M	12.91	8.10%	―	-4.58%	-24.73%
OSCR	77Outperform	$9.86B	11.17	49.48%	―	54.77%	―
CLOV	72Outperform	$2.59B	291.76	3.52%	―	54.46%	―
CNC	66Neutral	$34.79B	24.08	6.78%	―	9.71%	―
ALHC	60Neutral	$1.57B	52.27	12.46%	―	35.87%	―
MOH	53Neutral	$10.95B	-343.43	-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.	1.10	-0.20	-15.38%
CNC	Centene	71.27	34.19	92.21%
MOH	Molina Healthcare Inc	209.49	72.70	53.15%
CLOV	Clover Health Investments Corp	4.96	2.61	111.06%
OSCR	Oscar Health, Inc.	31.05	16.80	117.89%
ALHC	Alignment Healthcare, Inc.	7.36	-8.68	-54.11%

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: Nov 04, 2026

Pacific Health Care Organization AI Stock Analysis