Pacific Health Care Organization (PFHO) AI Stock Analysis

• Market Cap: $14.08M
• Dividend Yield: N/A
• Average Volume (3M): 7.05K
• Price to Earnings (P/E): 19.8
• Beta (1Y): -0.17
• Revenue Growth: -0.98%
• EPS Growth: 31.63%
• Country: US
• Employees: 29
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Healthcare Plans
• EPS (TTM): N/A
• 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: 1.83
• Enterprise Value/Gross Profit: 3.65
• Enterprise Value/Ebitda: 7.43
• 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: 64 Neutral
• Price Target: $1.00 ▼(-23.66% Downside)
• Action: Downgraded Date: 05/02/26
• Date: Action: Downgraded 05/02/26

Positive Factors

Profitability and margins

Sustained high gross and net margins indicate durable pricing power and efficient cost controls in PFHO's service model. Margins near 50%/20% provide a long-term earnings cushion against revenue volatility, support reinvestment in networks and technology, and underpin consistent return generation.

Negative Factors

Recent revenue decline

A TTM revenue decline signals potential demand softness, lost contracts, or timing issues in services volume. Over several quarters this can erode the scale advantages of PFHO's business, limit operating leverage, and make it harder to sustain margin expansion and long-term top-line driven growth.

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...

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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...

How the Company Makes Money

The company generates revenue by providing specialized health care management solutions to its clients. Its key revenue streams include fees charged for professional services such as medical cost containment, case management, and utilization revie...

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The company generates revenue by providing specialized health care management solutions to its clients. Its key revenue streams include fees charged for professional services such as medical cost containment, case management, and utilization revie...

Pacific Health Care Organization Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	6.39M	6.72M	6.07M	5.63M	5.74M	5.40M
Gross Profit	3.20M	3.22M	2.58M	2.16M	2.18M	2.01M
EBITDA	1.57M	1.03M	1.30M	716.06K	700.12K	1.25M
Net Income	1.29M	1.39M	883.58K	767.93K	492.89K	995.02K
Balance Sheet
Total Assets	71.67K	13.48M	12.43M	11.82M	12.05M	11.33M
Cash, Cash Equivalents and Short-Term Investments	2.40M	12.21M	11.10M	10.44M	10.78M	10.09M
Total Debt	0.00	0.00	35.30K	56.49K	50.14K	70.37K
Total Liabilities	496.53K	401.85K	745.60K	1.02M	735.07K	508.46K
Stockholders Equity	13.27M	13.07M	11.69M	10.80M	11.32M	10.82M
Cash Flow
Free Cash Flow	1.03M	1.14M	665.95K	914.84K	672.37K	368.01K
Operating Cash Flow	1.06M	1.16M	675.08K	932.36K	711.24K	386.39K
Investing Cash Flow	-981.64K	-990.15K	-1.13M	806.79K	-8.76M	-18.38K
Financing Cash Flow	-37.00K	-72.31K	35.30K	-1.21M	0.00	218.90K

Pacific Health Care Organization Technical Analysis

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

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFHO, the sentiment is Negative. The current price of 1.31 is above the 20-day moving average (MA) of 1.18, above the 50-day MA of 1.23, and above the 200-day MA of 1.16, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 26.05 is Positive, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PFHO.

Pacific Health Care Organization Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSCR	73 Outperform	$5.97B	1.26	-39.45%	―	27.50%	-1091.30%
ALHC	66 Neutral	$3.75B	79.24	11.50%	―	41.81%	―
CNC	65 Neutral	$27.32B	2.61	-28.72%	―	17.02%	-294.77%
PFHO	64 Neutral	$14.08M	19.83	11.75%	―	-0.98%	31.63%
CLOV	56 Neutral	$1.41B	8.41	-25.73%	―	40.40%	-89.29%
MOH	54 Neutral	$10.29B	121.40	4.44%	―	7.72%	-83.64%
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%