PACIFIC HEALTH CARE ORGANIZATION, INC.

PFHO · Healthcare · $11.0M mkt cap · FY2025 filings · Wide moat

Wonderful & reasonably priced

Wide moat

The four filters

Pricing power100

Median gross margin 92.1% over 2y, very stable.

Returns on capital86

Median ROIC 71.0%, above the 9% hurdle in 60% of years.

Balance-sheet safety73

Net debt/EBITDA n/ax, interest coverage 658x.

Capital discipline71

Owner earnings +9.6%/yr, share count flat.

Margin of safety

Above valueOn sale

33% below value

Owner earnings (normalized): $908549
Est. intrinsic value / share: $1.28
Recent price: $0.86
Discount to value: 33% below value

Conservative model: 9% discount rate, 4% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Moat Score history

Score history begins 2026-07-17. Check back as the record builds.

Scores are logged append-only and never overwritten — this record can't be backfilled, which is exactly why it's worth keeping.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell PFHO. See the disclaimer.