Pacific Health Care Organization, Inc (PFHO) Fair Value & Analysis
Healthcare · US · Market cap $10.6M
Pacific Health Care Organization, Inc
PFHO · US
Fair value as of: Jul 18, 2026
From 22 valuation models · updated 23 days ago
Share price +20.5% over the past month.
A solid business, screening 37% undervalued on our models.
What matters now
- The rarer combination: high quality (72/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case ($1.03). The market is more pessimistic than our downside scenario.
- A fairly wide model range ($1.03 to $2.03) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range $0.3942 – $1.39 · fair‑value band $1.03 – $2.03 · the $1.00 price screens below the $1.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Pacific Health Care Organization, Inc (PFHO) currently trades at $1.00, while our model-based Fair Value estimate is $1.37, implying the stock looks roughly 37.0% undervalued today. The Quality Score stands at 72/100 (solid quality), in the Healthcare sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Pacific Health Care Organization, Inc generated revenue of $6.4M at a net margin of 20.2%. Revenue declined 17.7% year over year. It earns a return on equity of 10.2%. The stock trades on a trailing P/E of 7.5. Fundamentals as of Jul 18, 2026
Our scenario range runs from $1.03 (bear case) to $2.03 (bull case); at $1.00, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 33% below its 52-week high and 27% above its 52-week low, currently below its 200-day average. For context, the median of 10 Healthcare peers we cover trades at -15% fair-value upside, at 37%, PFHO screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 22 models by family
Widest divergence: Growth Earnings ($1.86) versus Earnings-Based ($0.6600). Highest evidence: Growth DCF (80).
Notify me when PFHO reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 37
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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).
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
Watch PFHO: get an alert when its fair value changes →
Peer Group
Healthcare Plans · 15 stocks
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.
Valuation Multiples vs Healthcare Plans median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| UnitedHealth Group UNH | $423.38 | $292.06 | -31% |
| CVS Health Corporation CVS | $104.15 | $42.54 | -59% |
| Elevance Health, Inc ELV | $372.85 | $431.40 | +16% |
| The Cigna Group CI | $304.50 | $495.42 | +63% |
| Humana Inc HUM | $400.00 | $127.61 | -68% |
| Centene Corporation CNC | $66.61 | $111.96 | +68% |
| Molina Healthcare, Inc MOH | $233.31 | $199.31 | -15% |
| Oscar Health, Inc OSCR | $29.10 | $58.20 | +100% |
| Alignment Healthcare, Inc ALHC | $20.60 | $2.37 | -88% |
| Progyny, Inc PGNY | $31.93 | $16.44 | -49% |
Compare Pacific Health Care Organization, Inc with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Healthcare stocks →
Frequently asked questions
Is Pacific Health Care Organization, Inc (PFHO) overvalued or undervalued?
What is the fair value of PFHO?
What is the quality score of PFHO?
What is the revenue of Pacific Health Care Organization, Inc (PFHO)?
What is the net profit margin of PFHO?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Pacific Health Care Organization, Inc and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.