Pacific Health Care Organization Inc. (PFHO) intrinsic value & 10-year financials
Pacific Health Care Organization Inc. (PFHO) has a Graham intrinsic value of $2.33 per share. At $0.94 on Oct 17, 2026, the stock trades 60% below that value. Over the last 10 fiscal years revenue grew 1.9% a year to $6.7M, with an average return on invested capital of 50.6%.
- Graham intrinsic value
- $2.33
- Share price (Oct 17, 2026)
- $0.94
- Price vs Graham value
- 60% below
- Market cap
- $12.0M
- Revenue (FY2025)
- $6.7M
- Revenue growth (10-yr CAGR)
- 1.9%
- ROIC (10-yr avg)
- 50.6%
- Free cash flow (FY2025)
- $1.1M
PFHO 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $6.7M | $1.4M | $0.11 | $1.1M | 14.9% | — |
| FY2024 | $6.1M | $883.6K | $0.07 | $666.0K | 14.1% | 6.7% |
| FY2023 | $5.6M | $767.9K | $0.06 | $914.8K | 12.1% | 5.5% |
| FY2022 | $5.7M | $492.9K | $0.04 | $672.4K | 11.6% | 9.4% |
| FY2021 | $5.4M | $995.0K | $0.08 | $368.0K | 9.6% | 53.8% |
| FY2020 | $6.0M | $549.6K | $0.04 | $933.6K | 13.6% | 47.3% |
| FY2019 | $7.3M | $1.2M | $0.09 | $1.0M | 22.9% | 96.7% |
| FY2018 | $6.8M | $1.4M | $0.10 | $1.3M | 27.8% | 134.7% |
| FY2017 | $6.5M | $964.4K | $0.27 | $809.5K | 25.9% | — |
| FY2016 | $5.7M | $566.7K | $0.18 | $1.2M | 17.0% | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
PACIFIC HEALTH CARE ORGANIZATION INC has demonstrated mature, steady growth, with revenue compounding at 1.9% annually over the past decade.
PACIFIC HEALTH CARE ORGANIZATION INC has earned high returns on invested capital, averaging 50.6% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
PACIFIC HEALTH CARE ORGANIZATION INC has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, PACIFIC HEALTH CARE ORGANIZATION INC is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.33 per share.