A Business at a Glance
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PACIFIC HEALTH CARE ORGANIZATION INC
PFHO
$10M
Mkt Cap
$0.83
+0.00%
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) has a current P/E ratio of 7.5, compared to its historical median P/E of 12.8. The stock is currently considered Cheap based on its historical valuation range.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) has a 5-year average return on invested capital (ROIC) of 5.2%. This is below average and may indicate limited pricing power.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) has a market capitalization of $11M. It is classified as a small-cap stock.
Yes, PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) pays a dividend with a trailing twelve-month yield of 0.35%.
Based on historical P/E analysis, PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) appears cheap. The current P/E of 7.5 is 41% below its historical median of 12.8. The estimated fair value CAGR (P/E method) is -1.2%.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) operates in the Services-Misc Health & Allied Services, Nec industry, within the Healthcare sector.
We are workers’ compensation cost containment specialists providing a range of services principally to California employers and claims administrators. The Company was incorporated under the laws of the state of Utah in April 1970, under the name Clear Air, Inc. The Company changed its name to Pacific Health Care Organization, Inc., in January 2001. In February 2001, we acquired Medex, a California corporation organized in March 1994, in a share for share exchange. Medex is a wholly owned subsidiary of the Company. Medex is in the business of managing and administering both Health Care Organizations (“HCOs”) and Medical Provider Networks (“MPNs”) in the state of California, and providing worker’s compensation carve-out and Medicare set-aside services. In March 2011, we incorporated MMC, a Nevada corporation, as a wholly owned subsidiary of the Company. MMC oversees and manages the Company’s utilization review and bill review services.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 6.4M | 6.7M | 6.1M | 5.6M | 5.7M | 5.4M |
| Net Income | 1.3M | 1.4M | 884K | 768K | 493K | 995K |
| EPS | $0.10 | $0.11 | $0.07 | $0.06 | $0.04 | $0.08 |
| Free Cash Flow | 1.0M | 1.1M | 666K | 915K | 672K | 368K |
| ROIC | 5.8% | 5.4% | 6.2% | 5.7% | 5.1% | 3.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | - | 0.00 | 0.01 | 0.00 | - |
| Dividends/Share | $0.00 | $0.00 | $0.00 | $0.10 | $0.00 | - |
| Operating Income | 859K | 1.0M | 853K | 679K | 666K | 516K |
| Operating Margin | 13.4% | 14.9% | 14.1% | 12.1% | 11.6% | 9.6% |
| ROE | 9.7% | - | 7.9% | 6.9% | 4.5% | - |
| Shares Outstanding | 13M | 13M | 13M | 13M | 12M | 12M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 9.5M | 8.2M | 5.7M | 6.5M | 6.8M | 7.3M | 6.0M | 5.4M | 5.7M | 5.6M | 6.1M | 6.7M | 6.4M |
| Gross Margin | 41.5% | 42.9% | 30.2% | 37.1% | 39.6% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 577K | 638K | 661K | 653K | 735K | 817K | 696K | 658K | 706K | 617K | 726K | 767K | 795K |
| EBIT | 3.3M | 2.8M | 969K | 1.7M | 1.9M | 1.7M | 820K | 516K | 666K | 679K | 853K | 1.0M | 859K |
| Op. Margin | 34.8% | 34.3% | 17.0% | 25.9% | 27.8% | 22.9% | 13.6% | 9.6% | 11.6% | 12.1% | 14.1% | 14.9% | 13.4% |
| Net Income | N/A | N/A | N/A | 964K | 1.4M | 1.2M | 550K | 995K | 493K | 768K | 884K | 1.4M | 1.3M |
| Net Margin | N/A | N/A | N/A | 14.8% | 20.0% | 16.3% | 9.1% | 18.4% | 8.6% | 13.6% | 14.6% | 20.7% | 20.2% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | N/A | N/A | N/A | 14.3% | N/A | 101.9% | 49.9% | 3.8% | 5.1% | 5.7% | 6.2% | 5.4% | 5.8% |
| ROE | N/A | N/A | N/A | 15.5% | N/A | 13.8% | 5.8% | N/A | 4.5% | 6.9% | 7.9% | N/A | 9.7% |
| ROA | N/A | N/A | N/A | 14.3% | 17.2% | 12.8% | 5.1% | 8.9% | 4.2% | 6.5% | 7.3% | 10.7% | 9.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.9M | 2.2M | 1.2M | 826K | 1.3M | 1.1M | 987K | 386K | 711K | 932K | 675K | 1.2M | 1.1M |
| Free Cash Flow | 1.8M | 2.0M | 1.2M | 809K | 1.3M | 1.0M | 934K | 368K | 672K | 915K | 666K | 1.1M | 1.0M |
| Owner Earnings | 1.8M | 2.1M | 1.1M | 750K | -108K | 1.0M | 932K | 338K | 677K | 895K | 641K | 1.1M | 1.0M |
| CapEx | 101K | 158K | 42K | 17K | 42K | 59K | 54K | 18K | 39K | 18K | 9K | 23K | 15K |
| Maint. CapEx | 49K | 69K | 85K | 76K | 67K | 76K | 55K | 49K | 34K | 38K | 34K | 24K | 22K |
| Growth CapEx | 51K | 89K | 0 | 0 | 0 | 0 | 0 | 0 | 5K | 0 | 0 | 0 | 0 |
| D&A | 49K | 69K | 85K | 76K | 67K | 76K | 55K | 49K | 34K | 38K | 34K | 24K | 22K |
| CapEx/OCF | 5.4% | 7.3% | 3.5% | 2.0% | 3.2% | 5.4% | 5.5% | 4.8% | 5.5% | 1.9% | 1.4% | N/A | 1.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 934K | 2K | 0 | 20K | 0 | 0 | 0 | 0 | 1.3M | 0 | 37K | 0 |
| Dividend Yield | N/A | 4.8% | 0.0% | N/A | 0.0% | N/A | N/A | N/A | N/A | 12.4% | N/A | N/A | N/A |
| Share Buybacks | 77K | 177K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.3% | 3.4% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | 0 | 49K | 0 | 1.4M | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -8.1M | -8.7M | -10M | -2.0M | -2.4M | -2.0M | N/A | -2.4M |
| Cash & Equiv. | 2.9M | 3.8M | 5.0M | 5.8M | 7.1M | 8.1M | 9.5M | 10M | 2.0M | 2.5M | 2.1M | 2.2M | 2.4M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | 0 | 150K | 0 | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.12 | 0.07 | 0.09 | 0.08 | N/A | 0.00 | 0.08 | N/A | 0.00 | 0.01 | 0.00 | N/A | 0.00 |
| Interest Coverage | 2870.0 | 13971.3 | N/A | N/A | N/A | N/A | N/A | 99.6 | N/A | N/A | 240.0 | 657.7 | 657.7 |
| Equity | 4.6M | 5.1M | 5.8M | 6.7M | N/A | 9.3M | 9.8M | N/A | 11M | 11M | 12M | N/A | 13M |
| Total Assets | 5.2M | 5.5M | 6.3M | 7.3M | 8.5M | 10M | 11M | 11M | 12M | 12M | 12M | 13M | 14M |
| Total Liabilities | 534K | 385K | 499K | 539K | N/A | 974K | 1.3M | N/A | 735K | 948K | 746K | N/A | 52K |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 4.1M | 4.8M | 5.3M | 6.3M | 7.7M | 8.9M | 9.4M | 10M | 11M | 10M | 11M | 13M | 13M |
| Working Capital | 4.4M | 4.8M | 5.5M | 6.5M | 7.9M | 8.9M | 9.6M | 11M | 11M | 11M | 12M | 13M | 13M |
| Current Assets | 5.0M | 5.2M | 6.0M | 7.1M | 8.3M | 9.5M | 11M | 11M | 12M | 12M | 12M | 13M | 14M |
| Current Liabilities | 534K | 385K | 499K | 539K | 424K | 682K | 1.0M | 501K | 709K | 936K | 746K | 389K | 497K |
| Per Share Data | |||||||||||||
| EPS | 0.15 | 0.13 | 0.04 | 0.02 | 0.03 | 0.02 | 0.04 | 0.08 | 0.04 | 0.06 | 0.07 | 0.11 | 0.10 |
| Owner EPS | 0.14 | 0.16 | 0.08 | 0.01 | -0.00 | 0.02 | 0.07 | 0.03 | 0.05 | 0.07 | 0.05 | 0.09 | 0.08 |
| Book Value | 0.36 | 0.40 | 0.45 | 0.13 | N/A | 0.17 | 0.72 | N/A | 0.92 | 0.84 | 0.93 | N/A | 1.04 |
| Cash Flow/Share | 0.15 | 0.17 | 0.09 | 0.02 | 0.03 | 0.02 | 0.07 | 0.03 | 0.06 | 0.07 | 0.05 | 0.09 | 0.10 |
| Dividends/Share | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | N/A | N/A | 0.00 | 0.10 | 0.00 | 0.00 | 0.00 |
| Shares Out. | 12.8M | 12.8M | 12.8M | 51.4M | 49.4M | 53.2M | 13.7M | 12.4M | 12.3M | 12.8M | 12.6M | 12.6M | 12.8M |
| Valuation | |||||||||||||
| P/E Ratio | 13.8 | 3.1 | 16.2 | 12.9 | 9.2 | 12.8 | 22.1 | 11.2 | 17.0 | 12.3 | 11.4 | N/A | 8.2 |
| P/FCF | 15.3 | 2.6 | 7.9 | 61.3 | 39.0 | 59.5 | 13.0 | 30.2 | 12.5 | 10.4 | 15.2 | N/A | 10.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 4.3 | 3.4 | N/A | N/A | N/A | N/A | N/A | 9.6 |
| Price/Book | 5.9 | 1.0 | 1.6 | 1.8 | N/A | 1.7 | 1.2 | N/A | 0.7 | 0.9 | 0.9 | N/A | 0.8 |
| Price/Sales | 90.4 | 31.6 | 12.2 | 1.5 | 2.0 | 2.0 | 2.4 | 2.1 | 1.6 | 1.8 | 1.6 | N/A | 1.7 |
| FCF Yield | 6.5% | 38.2% | 12.7% | 6.5% | 10.3% | 6.7% | 7.7% | 3.3% | 8.0% | 9.7% | 6.6% | N/A | 9.8% |
| Market Cap | 27M | 5.3M | 9.2M | 12M | 12M | 15M | 12M | 11M | 8.4M | 9.5M | 10M | 0 | 11M |
| Avg. Price | 2.45 | 1.53 | 0.52 | 0.76 | 1.11 | 1.09 | 1.08 | 0.93 | 0.73 | 0.81 | 0.77 | 0.00 | 0.83 |
| Year-End Price | 2.11 | 0.41 | 0.72 | 0.96 | 1.01 | 1.15 | 0.89 | 0.89 | 0.68 | 0.74 | 0.80 | 0.00 | 0.83 |
PACIFIC HEALTH CARE ORGANIZATION INC passes 1 of 9 quality checks, indicating weak fundamentals.
PACIFIC HEALTH CARE ORGANIZATION INC trades at 7.5x trailing earnings, compared to its 15-year median P/E of 12.8x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 8.2x vs a median of 15.2x. The company's 5-year average ROIC is 5.2%. Total shareholder yield (dividends) is 0.4%. At current prices, the estimated annualized return to fair value is -3.6%.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) reported annual revenue of $7 million in its most recent fiscal year, based on SEC EDGAR filings.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) has a net profit margin of 20.7%. This is a strong margin indicating high profitability.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) generated $1 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PACIFIC HEALTH CARE ORGANIZATION INC (PFHO) reported earnings per share (EPS) of $0.11 in its most recent fiscal year.
The Ledger Terminal provides 16 years of financial data for PACIFIC HEALTH CARE ORGANIZATION INC (PFHO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
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