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Pacific Oil Co (FGCO) fair value: what the stock is really worth

As of Nov 4, 2026: fair value (intrinsic value) of Pacific Oil Co stock $0.06, price $0.08, that is 20.8% below the price, quality 53 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US

PO Pacific Oil Co logo Thin data Nov 10, 2026

Pacific Oil Co

FGCO · US
Solid, but expensive

Our calculation puts a fair price 21% below what the stock costs today.

Low debt
Quality 53/100
Mixed Growth (revenue 5y +19.6 %/yr in USD)
Revenue last quarter 20% below a year ago.
Fair value $0.0594 · Overvalued
Loss-making · -7.2% net margin (TTM)
Negative free cash flow
Trails peers (3/9)
Narrow moat 3/100 · thin data
Thin data
Estimate⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$2.50 $0.0100 Fair Value $0.0594 Aug 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $0.0100 – $2.50 · fair‑value band $0.0493 – $0.0696 · the $0.0750 price screens above the $0.0594 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

Financial Gravity Companies, Inc. is a publicly owned investment manager.

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Through its subsidiaries, it provides wealth management, family office services, risk management, asset management, retirement planning, risk mitigation, estate planning, business development solutions, business and personal tax planning, marketing services, administrative support, tax compliance and strategic tax planning, compliance and legal, legal services, business consulting and financial advisor services.

The firm online portal provides technical training, client-facing tax planning materials, implementation guides, education and coaching. Financial Gravity Companies, Inc. was founded in 2005 and is based in Lakeway, Texas.

Stock analysis

Pacific Oil Co (FGCO) currently trades at $0.0750, while our estimate is $0.0594, 21% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $0.0493 (bear) to $0.0696 (bull), the price of $0.0750 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Pacific Oil Co reported revenue of $9.0M in FY2025 versus $6.7M in FY2021, a compound +7.8%/yr. Reported net income was −$192K in FY2025.

Key figures

Market cap $7.1M Micro · P/S ratio 1.16 · Net margin −2.1% · Return on equity −44.7% · Return on assets (EBIT) −8.6% (5-year average) · Operating margin −21.7% · Revenue (TTM) $6.1M · Revenue growth (YoY) −19.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 3 out of 100 (low confidence).

What moves the price

The share trades about 25% below its 52-week high and 88% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −42% fair-value upside, at −21%, FGCO screens cheaper than that median.

Fair Value

Bear $0.0493 Fair Value $0.0594 Bull $0.0696
Price $0.0750 · Downside -20.8%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 41
How much profit the company makes from its sales and capital
Quality Growth 33
Are margins and returns getting better?
Cashflow 23
Do the profits arrive as real cash?
Financial strength 75
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 24
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 38
Distance to the 52-week high, does not count
New shares 85
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 35/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.6%
Start year 2020 (pandemic). Over 10 years: +21.3% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.3%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−24.7% (2020) → −2.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

FGCO screens overvalued: fair value 21% below the price. Compare with ORIX Corporation →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Financial Conglomerates · 57 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Above median
Fair Value upside −20.8% · Below median
Profitability
Return on assets −4.4% · Bottom 25%
Net margin (12 months) −7.2% · Bottom 25%
Operating margin (12 months) −21.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −19.7% · Bottom 25%
Balance sheet
Debt / equity 0.03× · Below median

Valuation Multiplesvs Financial Conglomerates median · lower = cheaper

P/B 2.36× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 1.16× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 24
FUTURE (revenue growth)0 · sector 63
PAST (return on equity)0 · sector 38
HEALTH (low debt)99 · sector 84
DIVIDEND (yield)0 · sector 67

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
ORIX Corporation IX $32.70 $59.50 +82% vs FGCO
Guosen Securities Co 002736 ¥9.00 ¥15.33 +70% vs FGCO
China Galaxy Securities Co 601881 ¥11.77 ¥12.36 +5% vs FGCO
CNPC Capital Company 000617 ¥6.43 ¥6.25 −3% vs FGCO
Voya Financial, Inc VOYA $104.27 $60.87 −42% vs FGCO
Aditya Birla Capital Limited ABCAPITAL ₹401.65 ₹217.72 −46% vs FGCO
Storebrand ASA STB kr 206.40 kr 108.73 −47% vs FGCO
Bajaj Finserv Ltd BAJAJFINSV ₹1,837 ₹796.21 −57% vs FGCO
Yuanta Financial Holding 2885 69.10 TWD 23.12 TWD −67% vs FGCO
Freedom Holding FRHC $165.47 $23.86 −86% vs FGCO

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Pacific Oil Co: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pacific Oil Co Fair Value". https://www.fairvalue-calculator.com/stock/FGCO

Frequently asked questions

Is Pacific Oil Co (FGCO) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $0.0594 versus the last price from Nov 4, 2026 of $0.0750, about 21% lower (overvalued).
What is the fair value of FGCO?
Our estimate for Pacific Oil Co is $0.0594 (as of Nov 10, 2026), built from audited fundamentals. Last price (from Nov 4, 2026): $0.0750.
What is the quality score of FGCO?
Pacific Oil Co has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pacific Oil Co (FGCO)?
Our calculated price target is the estimate of $0.0594 (as of Nov 10, 2026). Cautious scenario $0.0493, optimistic scenario $0.0696. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Pacific Oil Co stock forecast for 2026?
Our estimate puts fair value at $0.0594, about 21% lower versus the last price from Nov 4, 2026 of $0.0750 (overvalued). Cautious scenario $0.0493, optimistic scenario $0.0696. The calculation is refreshed regularly with new filings.
What is the revenue of Pacific Oil Co (FGCO)?
Pacific Oil Co reported trailing-twelve-month revenue of about $6.1M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Pacific Oil Co (FGCO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacific Oil Co it is $0.0594 per share (as of Nov 10, 2026), against a price of $0.0750.
Is Pacific Oil Co stock overvalued or undervalued in 2026?
As of Nov 10, 2026, FGCO trades above its calculated fair value: price $0.0750, fair value $0.0594, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FGCO?
No. The price is what the market pays today ($0.0750); the fair value is what the company's own numbers justify ($0.0594). For Pacific Oil Co the two are $0.0156 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacific Oil Co worth?
The market values Pacific Oil Co at about $7.1M (market capitalisation, as of Nov 10, 2026). Per share that is $0.0750; our models calculate a fair value of $0.0594 per share.
What do the bullish and bearish scenarios say about FGCO?
Our models span a range for Pacific Oil Co: cautious scenario $0.0493, base $0.0594, optimistic $0.0696 per share (as of Nov 10, 2026, price $0.0750). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Pacific Oil Co (FGCO)?
Balance-sheet figures for Pacific Oil Co (as of Nov 10, 2026): return on equity −44.7%, debt of 0.03 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is FGCO from its 52-week high?
Pacific Oil Co trades at $0.0750, about 25% below its 52-week high of $0.1000 and 88% above the low of $0.0400 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0594 is for.
Which stocks are comparable to Pacific Oil Co?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, Yuanta Financial Holding, China Galaxy Securities Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pacific Oil Co stock attractive at the current price?
The data as of Nov 10, 2026: price $0.0750, calculated fair value $0.0594 (−21%), Quality Score 53/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Pacific Oil Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pacific Oil Co (FGCO)?
The latest price we hold is from Nov 4, 2026 and stands at $0.0750. Our estimate is $0.0594, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacific Oil Co right now?
The price sits above even our optimistic bull case ($0.0696). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Pacific Oil Co

How large is the market capitalisation of Pacific Oil Co (FGCO)?
The market capitalisation of Pacific Oil Co is $7.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pacific Oil Co (FGCO)?
The price-to-sales ratio of Pacific Oil Co is 1.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Pacific Oil Co (FGCO)?
The net margin of Pacific Oil Co is −2.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pacific Oil Co (FGCO)?
The return on equity (ROE) of Pacific Oil Co is −44.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pacific Oil Co (FGCO)?
On an EBIT basis the return on assets of Pacific Oil Co is −8.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pacific Oil Co (FGCO)?
The operating margin of Pacific Oil Co is −21.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacific Oil Co (FGCO)?
Revenue at Pacific Oil Co is growing −19.7% versus a year earlier (3y avg +17.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Pacific Oil Co (FGCO) generate?
The free cash flow of Pacific Oil Co is −$272K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pacific Oil Co (FGCO) hold?
Pacific Oil Co holds more cash than debt, $46.2K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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