Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pacific Health Care OrganizationPFHO 49 3-Year EPS without NRI Growth Rate is 40.10% as of Jun. 2026, which is 955% above its 10-year median of 3.80. GuruFocus rates PFHO with a GF Score™ of 49/100 and a GF Value™ of $0.92 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 17 Healthcare Plans companies, Pacific Health Care Organization ranks better than 88.24% on this metric.
During the past 12 months, Pacific Health Care Organization's average EPS without NRI Growth Rate was -10.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 40.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 23.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -2.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Pacific Health Care Organization was 165.30% per year. The lowest was -31.10% per year. And the median was 3.80% per year.
Pacific Health Care Organization (OTCPK:PFHO) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Pacific Health Care Organization 3-Year EPS without NRI Growth Rate Related Terms
PFHO vs UNH, CVS, ELV: 3-Year EPS without NRI Growth Rate Comparison
For the Healthcare Plans subindustry, Pacific Health Care Organization's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's 3-Year EPS without NRI Growth Rate falls into.
Pacific Health Care Organization 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 40.10% mean?
Pacific Health Care Organization (PFHO) has a 3-Year EPS without NRI Growth Rate of 40.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pacific Health Care Organization and its competitors. This is 955% above median its historical median of 3.80. According to the industry distribution chart, Pacific Health Care Organization ranks #2 out of 17 companies in the Healthcare Plans industry, placing it in the top 11.8%.
Is Pacific Health Care Organization's 3-Year EPS without NRI Growth Rate too high?
Pacific Health Care Organization's current 3-Year EPS without NRI Growth Rate of 40.10% is 955% above median its 10-year median of 3.80. The Healthcare Plans industry median 3-Year EPS without NRI Growth Rate is 1.40. Pacific Health Care Organization's value of 40.10% is 2764.3% above this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #2 out of 17 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 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's 3-Year EPS without NRI Growth Rate compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #2 out of 17 companies for 3-Year EPS without NRI Growth Rate. This places Pacific Health Care Organization in the top 12% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 1.40. Pacific Health Care Organization's value of 40.10% is 2764.3% above this benchmark. While the company's 10-year median is 3.80 vs. the industry median of 1.40, Pacific Health Care Organization has consistently been above 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 3-Year EPS without NRI Growth Rate for a Healthcare Plans company?
The median 3-Year EPS without NRI Growth Rate among Healthcare Plans companies is 1.40, based on 17 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current 3-Year EPS without NRI Growth Rate of 40.10% is 2764.3% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median 3-Year EPS without NRI Growth Rate is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current 3-Year EPS without NRI Growth Rate is 40.10%, which is 955% above median its own 10-year median of 3.80. 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 Overvalued. The stock's GF Value™ is $0.92, compared to a current price of $1.02 — trading 10.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 40.10%, which is 955% above median its 10-year median of 3.80 and 2764.3% above the Healthcare Plans industry median of 1.40. Pacific Health Care Organization's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current 3-Year EPS without NRI Growth Rate is 40.10% as of Jun. 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 overvalued.
The current stock price of $1.02 is trading 10.9% above its estimated GF Value™ of $0.92.
GuruFocus considers Pacific Health Care Organization to be Modestly Overvalued.
Key valuation signals for PFHO:
3-Year EPS without NRI Growth Rate: 40.10% (955% above median its 10-year median of 3.80)
GF Value™: $0.92 vs. price of $1.02 (10.9% above fair value)
Industry Position: 2764.3% above the Healthcare Plans median (#2 of 17)
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 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.
49GF Score
Get the complete analysis for PFHO
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFHO has been successfully added to your 
