Pacific Health Care Organization (PFHO) AI Stock Analysis

• Market Cap: $15.17M
• Dividend Yield: N/A
• Average Volume (3M): 7.05K
• Price to Earnings (P/E): 12.0
• Beta (1Y): -0.22
• Revenue Growth: 8.72%
• EPS Growth: 66.72%
• Country: US
• Employees: 29
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Healthcare Plans
• EPS (TTM): 0.02
• Shares Outstanding: 12,800,000
• 10 Day Avg. Volume: 14,170
• 30 Day Avg. Volume: 7,053
• PEG Ratio: 0.20
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 2.48
• P/FCF Ratio: 14.63
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 1.87
• Enterprise Value/Gross Profit: 3.05
• Enterprise Value/Ebitda: 7.32
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $1.50 ▲(14.50% Upside)
• Action: Reiterated Date: 03/24/26
• Date: Action: Reiterated 03/24/26

The score is driven primarily by strong financial performance—especially the debt-free balance sheet and materially improved 2025 growth and margins. This is tempered by weaker near-term technical signals (below key short/intermediate moving averages with negative MACD) and only moderately positive valuation support from a ~12x P/E.

Positive Factors

Debt-free balance sheet

A zero-debt balance sheet materially reduces financial risk and interest burden, giving management flexibility to fund growth organically, make selective investments, or withstand cyclical stress without relying on external financing. This enhances long-term resilience and capital allocation optionality.

Negative Factors

Operating margin volatility

Wide swings in EBIT margin signal sensitivity to cost structure, client mix, or discrete items, which undermines predictability of core earnings. For a service business, persistent margin volatility complicates pricing and staffing decisions and can impair sustainable reinvestment and planning over the medium term.

Pacific Health Care Organization Business Overview & Revenue Model

Company Description

Pacific Health Care Organization, Inc., together with its subsidiaries, provides specialty workers' compensation managed care services for self-administered employers, insurers, third-party administrators, municipalities, and other industries in t...

Read more

Pacific Health Care Organization, Inc., together with its subsidiaries, provides specialty workers' compensation managed care services for self-administered employers, insurers, third-party administrators, municipalities, and other industries in t...

Pacific Health Care Organization Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	6.72M	6.07M	5.63M	5.74M	5.40M
Gross Profit	3.22M	2.58M	2.16M	2.18M	2.01M
EBITDA	1.03M	1.30M	716.06K	700.12K	1.25M
Net Income	1.39M	883.58K	767.93K	492.89K	995.02K
Balance Sheet
Total Assets	13.48M	12.43M	11.82M	12.05M	11.33M
Cash, Cash Equivalents and Short-Term Investments	12.21M	11.10M	10.44M	10.78M	10.09M
Total Debt	0.00	35.30K	56.49K	50.14K	70.37K
Total Liabilities	401.85K	745.60K	1.02M	735.07K	508.46K
Stockholders Equity	13.07M	11.69M	10.80M	11.32M	10.82M
Cash Flow
Free Cash Flow	1.14M	665.95K	914.84K	672.37K	368.01K
Operating Cash Flow	1.16M	675.08K	932.36K	711.24K	386.39K
Investing Cash Flow	-990.15K	-1.13M	806.79K	-8.76M	-18.38K
Financing Cash Flow	-72.31K	35.30K	-1.21M	0.00	218.90K

Pacific Health Care Organization Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1.31
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFHO, the sentiment is Neutral. The current price of 1.31 is above the 20-day moving average (MA) of 1.19, above the 50-day MA of 1.24, and above the 200-day MA of 1.14, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 43.79 is Neutral, neither overbought nor oversold. The STOCH value of 27.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PFHO.

Pacific Health Care Organization Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFHO	73 Outperform	$15.17M	11.99	11.75%	―	8.72%	66.72%
OSCR	61 Neutral	$3.55B	-8.51	-39.45%	―	37.38%	-912.18%
ALHC	60 Neutral	$3.83B	-88.83	-0.49%	―	47.39%	85.35%
CLOV	54 Neutral	$902.43M	-14.21	-25.73%	―	15.23%	38.79%
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
CNC	50 Neutral	$17.27B	-3.03	-27.74%	―	14.92%	-286.72%
MOH	49 Neutral	$7.18B	18.68	10.99%	―	13.71%	-18.02%