Pacific Health Care OrganizationPFHO 51 Cyclically Adjusted PB Ratio is 0.94 as of Jul. 11, 2026, which is 57% below its 10-year median of 2.21. GuruFocus rates PFHO with a GF Score™ of 51/100 and a GF Value™ of $0.94 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 13 Healthcare Plans companies, Pacific Health Care Organization ranks better than 76.92% on this metric.
The historical rank and industry rank for Pacific Health Care Organization's Cyclically Adjusted PB Ratio or its related term are showing as below:
PFHO'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.78 Med: 2.21 Max: 6.47
Current: 0.94
During the past years, Pacific Health Care Organization's highest Cyclically Adjusted PB Ratio was 6.47. The lowest was 0.78. And the median was 2.21.
PFHO's Cyclically Adjusted PB Ratio is ranked better than 76.92% of 13
companies
in the Healthcare Plans industry
Industry Median: 2.53
vs PFHO: 0.94
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Pacific Health Care Organization's adjusted book value per share data for the three months ended in Mar. 2026 was $1.037. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $0.88 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Pacific Health Care Organization (OTCPK:PFHO) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Pacific Health Care Organization Cyclically Adjusted PB Ratio Related Terms
Pacific Health Care Organization Cyclically Adjusted PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pacific Health Care Organization Cyclically Adjusted PB Ratio Chart
PFHO vs UNH, CVS, ELV: Cyclically Adjusted PB Ratio Comparison
For the Healthcare Plans subindustry, Pacific Health Care Organization's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pacific Health Care Organization Cyclically Adjusted PB Ratio vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's Cyclically Adjusted PB Ratio falls into.
Pacific Health Care Organization Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 0.94 mean?
Pacific Health Care Organization (PFHO) has a Cyclically Adjusted PB Ratio of 0.94 as of Jul. 11, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Pacific Health Care Organization and its competitors. This is 57% below median its historical median of 2.21. Over the past decade, Pacific Health Care Organization's Cyclically Adjusted PB Ratio has ranged from 0.78 to 6.47. According to the industry distribution chart, Pacific Health Care Organization ranks #3 out of 13 companies in the Healthcare Plans industry, placing it in the top 23.1%.
Is Pacific Health Care Organization's Cyclically Adjusted PB Ratio too high?
Pacific Health Care Organization's current Cyclically Adjusted PB Ratio of 0.94 is 57% below median its 10-year median of 2.21. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 6.47. The Healthcare Plans industry median Cyclically Adjusted PB Ratio is 2.53. Pacific Health Care Organization's value of 0.94 is 62.8% below this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #3 out of 13 companies in the Healthcare Plans industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Health Care Organization has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's Cyclically Adjusted PB Ratio compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #3 out of 13 companies for Cyclically Adjusted PB Ratio. This places Pacific Health Care Organization in the top 23% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 2.53. Pacific Health Care Organization's value of 0.94 is 62.8% below this benchmark. Historically, Pacific Health Care Organization's own Cyclically Adjusted PB Ratio has ranged from 0.78 to 6.47 over the past decade. While the company's 10-year median is 2.21 vs. the industry median of 2.53, Pacific Health Care Organization has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Healthcare Plans company?
The median Cyclically Adjusted PB Ratio among Healthcare Plans companies is 2.53, based on 13 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current Cyclically Adjusted PB Ratio of 0.94 is 62.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median Cyclically Adjusted PB Ratio is 2.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current Cyclically Adjusted PB Ratio is 0.94, which is 57% below median its own 10-year median of 2.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Health Care Organization stock overvalued right now?
Based on GuruFocus' analysis, Pacific Health Care Organization (PFHO) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.94, compared to a current price of $0.83 — trading 11.7% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.94, which is 57% below median its 10-year median of 2.21 and 62.8% below the Healthcare Plans industry median of 2.53. Pacific Health Care Organization's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current Cyclically Adjusted PB Ratio is 0.94 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pacific Health Care Organization (PFHO) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Health Care Organization stock appears to be undervalued.
The current stock price of $0.83 is trading 11.7% below its estimated GF Value™ of $0.94.
GuruFocus considers Pacific Health Care Organization to be Modestly Undervalued.
Key valuation signals for PFHO:
Cyclically Adjusted PB Ratio: 0.94 (57% below median its 10-year median of 2.21)
GF Value™: $0.94 vs. price of $0.83 (11.7% below fair value)
Industry Position: 62.8% below the Healthcare Plans median (#3 of 13)
No single metric tells the full story. See the PFHO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Health Care Organization Business Description
Pacific Health Care Organization Inc is a workers' compensation cost containment specialist providing a range of services principally to California employers and claims administrators. The company offers an integrated and layered array of complementary business solutions that enable its customers to manage their workers' compensation-related healthcare administration costs. Its services include two HCOs, MPNs, medical case management, utilization review, medical bill review, workers' compensation carve-outs and Medicare set-aside services. It also provides lien representation and witness testimony, ancillary to other services.
51GF Score
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