Pacific Health Care Organization Inc (PFHO) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Pacific Health Care Organization Inc $1.35, price $1.00, upside +35.0%, quality 72 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.4194 – $1.39 · fair‑value band $1.02 – $1.95 · the $1.00 price screens below the $1.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Pacific Health Care Organization, Inc., together with its subsidiaries, operates as a workers' compensation cost containment company in the United States. It engages in managing and administering health care organizations (HCOs) and medical provider networks (MPNs).
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Pacific Health Care Organization, Inc., together with its subsidiaries, operates as a workers' compensation cost containment company in the United States. It engages in managing and administering health care organizations (HCOs) and medical provider networks (MPNs). The company also provides utilization review, medical case management, medical case management, medical bill review, employee advocate, expert witness testimony, and Medicare set-aside services, as well as workers' compensation carve-outs. It serves insurers, third party administrators, self-administered employers, municipalities, and other industries. The company was formerly known as Clear Air, Inc. and changed its name to Pacific Health Care Organization, Inc. in January 2001. Pacific Health Care Organization, Inc. was incorporated in 1970 and is based in Irvine, California.
Stock analysis
Pacific Health Care Organization Inc (PFHO) currently trades at $1.00, while our model-based Fair Value estimate is $1.35, implying the stock looks roughly 25.9% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $1.86 per share, and 18 of the 22 models we run sit above the $1.00 price.
Bear case: the Asset-Based group reads lowest at $0.6800, and 4 of the 22 models stay below the price. Evidence for this calculation is medium.
Scenario range: $1.02 (bear) to $1.95 (bull), the price of $1.00 sits below 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 72/100 (solid quality), in the Healthcare sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Pacific Health Care Organization Inc reported revenue of $6.7M in FY2025 versus $5.4M in FY2021, a compound +5.6%/yr. Reported net income was $1.4M in FY2025, compounding +8.7%/yr from FY2021.
Key figures
Market cap $12.8M · P/E ratio 12.5 · P/S ratio 2.58 · EPS (TTM) $0.0800 · Net margin 20.7% · Return on equity 7.5% · Return on assets (EBIT) 6.0% · Operating margin 20.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at 21% fair-value upside, at 35%, PFHO screens cheaper than that median.
Fair Value models
Bear $1.02Fair Value $1.35Bull $1.95
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0587 per share) are deliberately not added.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.
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.67/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.7%
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.
+5.3%
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.
+2.1%
Start year 2020 (pandemic). Over 10 years: −2.0% a year
Revenue growth 13 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.
+2.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+9.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.6%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.14% → 15%
⚠ Revenue per share shrinking 1.9%/yr over ~6Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −8.8% a year for the price.
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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.Healthcare Plans · 15 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside+35% · Above median
Profitability
Return on equity (TTM)7% · Above median
Return on assets4% · Above median
Net margin (TTM)15% · Top 25%
Operating margin (TTM)21% · Top 25%
Growth and dividend
Revenue growth3% · Below median
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Healthcare Plans median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Pacific Health Care Organization Inc Fair Value". https://www.fairvalue-calculator.com/stock/PFHO
Frequently asked questions
Is Pacific Health Care Organization Inc (PFHO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $1.35 versus a price of $1.00, about +35% upside (undervalued).
What is the fair value of PFHO?
Our model-based fair value for Pacific Health Care Organization Inc is $1.35 (as of Sep 24, 2026), built from audited fundamentals. The current price: $1.00.
What is the quality score of PFHO?
Pacific Health Care Organization Inc has a Quality Score of 72/100. 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 Health Care Organization Inc (PFHO)?
Our model-based price target is the fair value of $1.35 (as of Sep 24, 2026) from 22 valuation models. Cautious scenario $1.02, optimistic scenario $1.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacific Health Care Organization Inc stock forecast for 2026?
Our models put fair value at $1.35, about +35% upside versus a price of $1.00 (undervalued). Cautious scenario $1.02, optimistic scenario $1.95. The calculation is refreshed regularly with new filings.
What is the revenue of Pacific Health Care Organization Inc (PFHO)?
Pacific Health Care Organization Inc reported trailing-twelve-month revenue of about $6.4M (latest available figure, as of Sep 24, 2026).
What growth is priced into Pacific Health Care Organization Inc (PFHO)?
For today's price to be fair in a discounted-cash-flow model, Pacific Health Care Organization Inc would have to grow free cash flow by -6.7 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PFHO use?
Our models discount Pacific Health Care Organization Inc at 8.5 %: a base by market capitalisation (nano), damped by beta 0.26, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Pacific Health Care Organization Inc that is -6.7 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Pacific Health Care Organization Inc (PFHO) delivered so far?
Over the past 5 years revenue at Pacific Health Care Organization Inc grew +2.1 % a year. The price currently implies -6.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Pacific Health Care Organization Inc (PFHO) growing?
The median revenue growth in the sector is +4.2 % a year. That is the yardstick for the growth priced into Pacific Health Care Organization Inc (-6.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Pacific Health Care Organization Inc (PFHO)?
The free-cash-flow yield on the price is 8.89 %: that much free cash flow Pacific Health Care Organization Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Pacific Health Care Organization Inc (PFHO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacific Health Care Organization Inc it is $1.35 per share (as of Sep 24, 2026), against a price of $1.00. It is the blended result of 22 valuation models (cash flow, earnings, asset, dividend).
Is Pacific Health Care Organization Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PFHO trades below its calculated fair value: price $1.00, fair value $1.35, a gap of about +35% (undervalued). 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 PFHO?
No. The price is what the market pays today ($1.00); the fair value is what the company's own numbers justify ($1.35). For Pacific Health Care Organization Inc the two are $0.3500 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacific Health Care Organization Inc worth?
The market values Pacific Health Care Organization Inc at about $12.8M (market capitalisation, as of Sep 24, 2026). Per share that is $1.00; our models calculate a fair value of $1.35 per share.
What do the bullish and bearish scenarios say about PFHO?
Our models span a range for Pacific Health Care Organization Inc: cautious scenario $1.02, base $1.35, optimistic $1.95 per share (as of Sep 24, 2026, price $1.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PFHO?
Pacific Health Care Organization Inc trades at a price-to-earnings ratio of 12.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.35 is built from several models across several years. Other multiples: P/B 1.0, P/S 2.0, EV/EBITDA 11.4.
How solid is the balance sheet of Pacific Health Care Organization Inc (PFHO)?
Balance-sheet figures for Pacific Health Care Organization Inc (as of Sep 24, 2026): return on equity 7.5%, debt of 0.01 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is PFHO from its 52-week high?
Pacific Health Care Organization Inc trades at $1.00, about 28% below its 52-week high of $1.39 and 25% above the low of $0.8000 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $1.35 is for.
Which stocks are comparable to Pacific Health Care Organization Inc?
From the same area (Healthcare) we also value UnitedHealth Group, CVS Health Corporation, Elevance Health, Inc, The Cigna Group, 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 Health Care Organization Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $1.00, calculated fair value $1.35 (+35%), Quality Score 72/100, from 22 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 PFHO calculated?
We run Pacific Health Care Organization Inc through 22 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 $1.35, 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 13.2 % above its aggregate fair value. Pacific Health Care Organization Inc currently trades 35 % below its own fair value, and the market average says nothing about that. 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 Health Care Organization Inc (PFHO)?
The closing price on Sep 23, 2026 was $1.00. Our model-based fair value is $1.35, about +35% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacific Health Care Organization Inc right now?
The rarer combination: high quality (72/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range ($1.02 to $1.95) leaves room in how you read the outcome.
Key figures of Pacific Health Care Organization Inc
How large is the market capitalisation of Pacific Health Care Organization Inc (PFHO)?
The market capitalisation of Pacific Health Care Organization Inc is $12.8M. 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 Health Care Organization Inc (PFHO)?
The price-to-sales ratio of Pacific Health Care Organization Inc is 2.58 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pacific Health Care Organization Inc (PFHO)?
Earnings per share at Pacific Health Care Organization Inc are $0.0800 (price ÷ EPS = P/E 12.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pacific Health Care Organization Inc (PFHO)?
The net margin of Pacific Health Care Organization Inc is 20.7% (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 Health Care Organization Inc (PFHO)?
The return on equity (ROE) of Pacific Health Care Organization Inc is 7.5% (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 Health Care Organization Inc (PFHO)?
On an EBIT basis the return on assets of Pacific Health Care Organization Inc is 6.0% (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 Health Care Organization Inc (PFHO)?
The operating margin of Pacific Health Care Organization Inc is 20.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacific Health Care Organization Inc (PFHO)?
Revenue at Pacific Health Care Organization Inc is growing +2.8% versus a year earlier (3y avg +5.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pacific Health Care Organization Inc (PFHO)?
Earnings per share at Pacific Health Care Organization Inc are growing −48.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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Some data
Sep 24, 2026