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PACIFIC HEALTH CARE ORGANIZATION, INC.

PFHO · Healthcare · $12.8M mkt cap · FY2025 filings · · Wide moat ·

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Wide moat
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The five investor questions

83

2021–2025 (latest 5 aligned FYs; v3 window cap 5): revenue $5.4M to $6.7M, increasing; diluted EPS 0.08 to 0.11, increasing. Latest-filed diluted EPS remains usable for Business Trend, but an integer share-count change lacks enough evidence to confirm a comparable EPS basis; valuation growth therefore stays at 0%.

100

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

86

Median ROIC 71.0%, above the 12% hurdle in 60% of years.

73

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

71

Owner earnings changed +9.6%/yr over up to the ten most recent annual observations.

Price vs. value if growth stopped today

A cautious baseline, not a price target: what the shares may support if normalized owner earnings simply hold steady.

Above value if growth stopped todayBelow value if growth stopped today
27% above value if growth stopped today
$908549
$0.79
$0.79
$1.00
27% above value if growth stopped today

What today’s price assumes: owner earnings growing ~5%/yr over 5 years. The zero-growth estimate assumes owner earnings stay flat (0% growth).

How to read this

We solve for the constant annual change in owner earnings that would make the five-year zero-growth estimate equal today’s price. This keeps the existing model inputs and calculation unchanged; it is an expectations lens, not a forecast.

This zero-growth estimate assumes trailing owner earnings persist — unreliable for declining businesses. Flag status unavailable — four adjacent recent FY revenue observations are required.

Among the current top-score group, the median current price is 216% above the zero-growth estimate across 49 of the current top 50 companies by Moat Score with both values.

Score records captured Sep 29, 2026 through Sep 30, 2026.

Exactly which 50 companies?

FTNT, IBEX, META, MEDP, MSFT, GOOG, LULU, ANF, IDXX, TXRH, FHI, QLYS, FFIV, ADBE, LLY, MANH, CPRT, VEEV, RMD, GRMN, PCTY, EAT, UI, SSD, MNST, DOCS, LRCX, MCO, NTAP, NVDA, CORT, SFM, MPTI, ULTA, SN, ROL, CTAS, PAYC, IRMD, DECK, MORN, INTU, JKHY, TPR, LGCY, DAL, GWW, ISRG, MPWR, LOPE

Missing a usable price or zero-growth estimate: ANF.

Model details under moat-index@3.0.0: zero-growth multiple 11.1×, capped-growth comparison at no more than 18×; 9% discount rate; high-end growth 0% (capped at 4%) using min(5y revenue CAGR, 5y diluted-EPS CAGR), clamped to 0%–4%; maintenance capex uses min(capex, D&A); abstain when D&A is unavailable. This is a disclosed model range, not intrinsic value as fact.

Fundamentals

We couldn't reach the fundamentals service just now, so we won't show a stale or guessed series for PFHO. Try again shortly.

Flagship explainer

How PACIFIC HEALTH CARE ORGANIZATION, INC. makes its money

PACIFIC HEALTH CARE ORGANIZATION, INC.'s filing does not supply enough comparable lines for a truthful flow chart — here's what is filed:

Table alternative
Filed lineValue% of revenueSource
$6.7M100%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
$1M15%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Income before tax$1.9M28%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Income tax$5071448%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
$1.4M21%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Source:
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
· event Dec 31, 2025 · retrieved Sep 30, 2026 · annual-row source set

Flagship explainer

What PACIFIC HEALTH CARE ORGANIZATION, INC. owns — and owes

PACIFIC HEALTH CARE ORGANIZATION, INC.'s filing tags don't support a full breakdown — here's what is filed:

Table alternative
Filed lineValue% of assetsSource
Total assets$13.5M100%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Cash and equivalents$2.2M16%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Stockholders’ equity$13.1M97%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Source:
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
· event Dec 31, 2025 · retrieved Sep 30, 2026 · annual-row source set

Flagship explainer

What drives PACIFIC HEALTH CARE ORGANIZATION, INC.’s return on equity?

ROE is five filed business factors multiplied together.

DuPont return on equity factor treeReturn on equity branches into tax burden, interest burden, operating margin, asset turnover, and the equity multiplier.Return on equity11%Tax burden73%net income ÷ pretax incomeInterest burden189%pretax ÷ operating incomeOperating margin15%operating income ÷ revenueAsset turnover0.52×revenue ÷ average assetsEquity multiplier1.05×average assets ÷ average equityAs of 2025-12-31 · 2 SEC filing sourcesBuy Like Buffett · buylikebuffett.com
DuPont source inputs
InputValueFiscal yearSource
$1.4MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Income before tax$1.9MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Operating income$1MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
$6.7MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Ending assets$13.5MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Beginning assets$12.4MFY2024
  • 10-K · FY 2024Filing detailsAccession 0001185185-25-000193 · filed Mar 19, 2025
  • 10-K · FY 2024Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
$13.1MFY2025
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
$11.7MFY2024
  • 10-K · FY 2024Filing detailsAccession 0001185185-25-000193 · filed Mar 19, 2025
  • 10-K · FY 2024Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Source: · event Dec 31, 2025 · retrieved Sep 30, 2026 · annual-row source set
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Flagship explainer

Where PACIFIC HEALTH CARE ORGANIZATION, INC.'s cash went

PACIFIC HEALTH CARE ORGANIZATION, INC.’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:

Table alternative
Filed lineValue% of cash from operationsSource
Cash from operations$1.2M100%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Depreciation and amortization$239842%
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
Source:
  • 10-K · FY 2025Filing detailsAccession 0001185185-26-000897 · filed Mar 18, 2026
· event Dec 31, 2025 · retrieved Sep 30, 2026 · annual-row source set

Curated 19-manager tier

Who reported holding PACIFIC HEALTH CARE ORGANIZATION, INC.

Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.

0 holding0 exited0 not holding0/19 resolved19 not retrieved

Named manager positions and quarter-over-quarter changes
ManagerReported positionQuarter-over-quarterFiling accession
Abrams CapitalNot retrievedComparison not retrievedFiling not retrieved
Akre CapitalNot retrievedComparison not retrievedFiling not retrieved
Baupost GroupNot retrievedComparison not retrievedFiling not retrieved
Berkshire HathawayNot retrievedComparison not retrievedFiling not retrieved
Brave Warrior AdvisorsNot retrievedComparison not retrievedFiling not retrieved
Dodge & CoxNot retrievedComparison not retrievedFiling not retrieved
First EagleNot retrievedComparison not retrievedFiling not retrieved
FundsmithNot retrievedComparison not retrievedFiling not retrieved
Gardner Russo & QuinnNot retrievedComparison not retrievedFiling not retrieved
Gates Foundation TrustNot retrievedComparison not retrievedFiling not retrieved
Mairs & PowerNot retrievedComparison not retrievedFiling not retrieved
Markel / Markel-GaynerNot retrievedComparison not retrievedFiling not retrieved
Oakmark / Harris AssociatesNot retrievedComparison not retrievedFiling not retrieved
Pershing SquareNot retrievedComparison not retrievedFiling not retrieved
Polen CapitalNot retrievedComparison not retrievedFiling not retrieved
Sequoia / Ruane CunniffNot retrievedComparison not retrievedFiling not retrieved
Southeastern Asset ManagementNot retrievedComparison not retrievedFiling not retrieved
Tweedy, BrowneNot retrievedComparison not retrievedFiling not retrieved
Yacktman Asset ManagementNot retrievedComparison not retrievedFiling not retrieved

Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.

Source: Filing source not retrieved · event Jun 30, 2026 · retrieved Sep 30, 2026

Flagship explainer

What PACIFIC HEALTH CARE ORGANIZATION, INC. insiders reported

Records still being gathered — partial as of retrieval Oct 5, 2026.

Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.

Moat Score history

20 logged readings since Jul 17, 2026 · append-only, never rewritten

Moat Score over timeLast scored reading of each day, on the 0–100 scale82.5 / 100
0406080100WideNarrowShallowNo moatJul 17, 2026Sep 30, 2026

Breaks in the line mark methodology or normalizer upgrades — readings across versions aren’t compared, so a level shift there isn’t a change in the business.

Tier changesSame-methodology and same-normalizer crossings of the Wide / Narrow / Shallow bars

  1. Normalizer upgraded unstamped (version unknown)moat-xbrl-normalizer@1.1.0 — readings across versions aren’t comparedJul 26, 2026
  2. Methodology upgraded moat-index@2.0.0moat-index@3.0.0 — readings across versions aren’t comparedJul 23, 2026
  3. Methodology upgraded moat-index@1.2.0moat-index@2.0.0 — readings across versions aren’t comparedJul 20, 2026

Scores are logged append-only and never overwritten — this record cannot be reconstructed retroactively, which is exactly why it’s worth keeping.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for PFHO.

Healthcare context

#18 of 711 scored Healthcare companies, ranked by Moat Score.

Nearest peers by Moat Score

  1. #16ELMD ELECTROMED, INC.83.5Wide moat
  2. #17SBC SBC Medical Group Holdings Incorporated82.7Wide moat
  3. #19INVA INNOVIVA, INC.82.4Wide moat
  4. #20HRMY HARMONY BIOSCIENCES HOLDINGS, INC.82.4Wide moat

Compare PFHO with its nearest peers →All Healthcare companies on the Index →

Common questions about PFHO

Does PACIFIC HEALTH CARE ORGANIZATION, INC. have an economic moat?
Based on its FY2025 SEC filings, the Moat Index scores PACIFIC HEALTH CARE ORGANIZATION, INC. (PFHO) 82.5 out of 100 — a Wide moat. The five questions behind that score begin at 20% each; if exactly one genuinely lacks data, the other four weights are renormalized and disclosed. revenue and EPS trend 83, pricing power 100, returns on capital 86, balance-sheet safety 73, capital allocation 71.
Is PFHO trading below the conservative owner-earnings estimate?
The value if growth stopped today — a zero-growth baseline — is $0.79 per share. It capitalizes normalized owner earnings at a 9% rate and assumes 0% growth. Versus a recent price of $1.00, that is 27% above value if growth stopped today. The model also publishes a capped-growth comparison, but the zero-growth estimate is the cautious baseline. It assumes trailing owner earnings persist and is unreliable for declining businesses. This is an educational estimate from primary SEC filings, not intrinsic value as a fact or investment advice.
How has PFHO's Moat Score changed over time?
The record logs 20 readings since Jul 17, 2026; the latest reads 82.5 out of 100 (wide moat). No tier changes on record yet. (Methodology or normalizer upgrades on Jul 20, 2026, Jul 23, 2026, Jul 26, 2026 re-based the score; readings across versions aren't compared.) The history is append-only — readings are only ever added, never rewritten.

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