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

As of Sep 24, 2026: fair value of Pacific Oil Co $0.04, price $0.07, upside -47.8%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US31754E1029

PO Pacific Oil Co logo Thin data Sep 23, 2026

Pacific Oil Co

FGCO · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.0386 · Strongly overvalued (−48%)
!Quality 42/100
!Mixed Growth (revenue 5y +19.6 %/yr)
!Loss-making · -7.2% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (2/10)
!Narrow moat 3/100
!Insider activity 30/100
!Evidence only low, so the estimate is less certain
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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 $0.0386 Aug 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $0.0100 – $2.50 · fair‑value band $0.0302 – $0.0386 · the $0.0740 price screens above the $0.0386 fair value. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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

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Financial Gravity Companies, Inc. is a publicly owned investment manager. 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 $0.0740, while our model-based Fair Value estimate is $0.0386, implying the stock looks roughly 91.7% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: $0.0302 (bear) to $0.0386 (bull), the price of $0.0740 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 42/100 (below-average 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 · P/S ratio 1.08 · Net margin −2.1% · Return on equity −44.7% · Return on assets (EBIT) −8.6% · 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 22 out of 100 (low confidence).

What moves the price

The share trades about 41% below its 52-week high and 85% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −25% fair-value upside, at −48%, FGCO screens richer than that median.

Fair Value models

Bear $0.0302 Fair Value $0.0386 Bull $0.0386
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $0.0200 $0.0200 $0.0300 55
All 1 models by family
Asset-Based
NCAV (Graham) $0.0200 $0.0200 $0.0300 55

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Quality Score breakdown

Overall quality 42/100

Of which business quality 51 · Market factors (momentum, volatility) 28

Profitability 41
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 23
Earnings quality: real cash, not paper profit
Fin. Strength 75
Balance sheet, leverage, solvency risk
Investment 71
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 16
Distance to the 52-week high (market factor)
Net Issuance 75
Share count: buybacks or dilution?

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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 92% overvalued. 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 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −54% · Bottom 25%
Profitability
Return on assets −15% · Bottom 25%
Net margin (TTM) −7% · Bottom 25%
Operating margin (TTM) −22% · Bottom 25%
Growth and dividend
Revenue growth −20% · Bottom 25%
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Financial Conglomerates median · lower = cheaper

P/B 2.67× · 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 (TTM) 1.31× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 7
FUTURE (revenue growth)0 · sector 39
PAST (return on equity)0 · sector 30
HEALTH (low debt)99 · sector 83
DIVIDEND (yield)0 · sector 54

VALUE 0: the price sits above our fair-value range.

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
ORIX Corporation IX $39.53 $65.68 +66%
Bajaj Finserv Ltd BAJAJFINSV ₹1,847 ₹796.96 −57%
Yuanta Financial Holding 2885 69.20 TWD 21.71 TWD −69%
China Galaxy Securities Co 601881 ¥12.18 ¥11.34 −7%
Guosen Securities Co 002736 ¥9.97 ¥10.84 +9%
CNPC Capital Company 000617 ¥6.90 ¥6.99 +1%
Aditya Birla Capital Limited ABCAPITAL ₹402.45 ₹227.77 −43%
Freedom Holding FRHC $171.16 $23.23 −86%
Voya Financial, Inc VOYA $98.04 $72.59 −26%
Guangzhou Yuexiu Capital Holdings 000987 ¥7.46 ¥5.63 −25%

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Pacific Oil Co · Fair Value
$0.0386 −92%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $0.0386 versus a price of $0.0740, about −48% upside (overvalued).
What is the fair value of FGCO?
Our model-based fair value for Pacific Oil Co is $0.0386 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.0740.
What is the quality score of FGCO?
Pacific Oil Co has a Quality Score of 42/100. 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 model-based price target is the fair value of $0.0386 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario $0.0302, optimistic scenario $0.0386. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacific Oil Co stock forecast for 2026?
Our models put fair value at $0.0386, about −48% upside versus a price of $0.0740 (overvalued). Cautious scenario $0.0302, optimistic scenario $0.0386. 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 Sep 23, 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 $0.0386 per share (as of Sep 23, 2026), against a price of $0.0740. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Pacific Oil Co stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FGCO trades above its calculated fair value: price $0.0740, fair value $0.0386, a gap of about −48% (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 ($0.0740); the fair value is what the company's own numbers justify ($0.0386). For Pacific Oil Co the two are $0.0354 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 Sep 23, 2026). Per share that is $0.0740; our models calculate a fair value of $0.0386 per share.
What do the bullish and bearish scenarios say about FGCO?
Our models span a range for Pacific Oil Co: cautious scenario $0.0302, base $0.0386, optimistic $0.0386 per share (as of Sep 23, 2026, price $0.0740). 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 Sep 23, 2026): return on equity −44.7%, debt of 0.03 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is FGCO from its 52-week high?
Pacific Oil Co trades at $0.0740, about 41% below its 52-week high of $0.1250 and 85% above the low of $0.0400 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0386 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 Sep 23, 2026: price $0.0740, calculated fair value $0.0386 (−48%), Quality Score 42/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FGCO calculated?
We run Pacific Oil Co through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0386, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % 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 closing price on Sep 24, 2026 was $0.0740. Our model-based fair value is $0.0386, about −48% upside (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 ($0.0386). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 1.08 (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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