Pacific Health Care OrganizationPFHO 47 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 5,250.25. GuruFocus rates PFHO with a GF Score™ of 47/100 and a GF Value™ of $0.93 (Fairly Valued). The stock has 1 warning sign investors should review. Among 15 Healthcare Plans companies, Pacific Health Care Organization ranks better than 93.33% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Pacific Health Care Organization's
Operating Income
for the
three
months ended in Mar. 2026 was $0.17 Mil. Pacific Health Care Organization's Interest Expense for the
three
months ended in Mar. 2026 was $0.00 Mil.
Pacific Health Care Organization has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Pacific Health Care Organization Inc has no debt.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Pacific Health Care Organization's Interest Coverage or its related term are showing as below:
PFHO'
s Interest Coverage Range Over the Past 10 Years
Min: 103.2 Med: 5250.25 Max: No Debt
Current: No Debt
PFHO's Interest Coverage is ranked better than 93.33% of 15
companies
in the Healthcare Plans industry
Industry Median: 4.55
vs PFHO: No Debt
Pacific Health Care Organization (OTCPK:PFHO) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Pacific Health Care Organization Interest Coverage Related Terms
Pacific Health Care Organization Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Pacific Health Care Organization Interest Coverage Chart
PFHO vs UNH, CVS, ELV: Interest Coverage Comparison
For the Healthcare Plans subindustry, Pacific Health Care Organization's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's Interest Coverage falls into.
Pacific Health Care Organization Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Pacific Health Care Organization (PFHO) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pacific Health Care Organization and its competitors. This is 100% below median its historical median of 5,250.25. Over the past decade, Pacific Health Care Organization's Interest Coverage has ranged from 103.20 to 10,000.00. According to the industry distribution chart, Pacific Health Care Organization ranks #1 out of 15 companies in the Healthcare Plans industry, placing it in the top 6.7%.
Is Pacific Health Care Organization's Interest Coverage too high?
Pacific Health Care Organization's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 5,250.25. Over the past 10 years, this metric has ranged from a low of 103.20 to a high of 10,000.00. Based on the distribution chart, Pacific Health Care Organization ranks #1 out of 15 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 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's Interest Coverage compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #1 out of 15 companies for Interest Coverage. This places Pacific Health Care Organization in the top 7% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 4.55. Historically, Pacific Health Care Organization's own Interest Coverage has ranged from 103.20 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Healthcare Plans company?
The median Interest Coverage among Healthcare Plans companies is 4.55, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median Interest Coverage is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 5,250.25. 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 Fairly Valued. The stock's GF Value™ is $0.93, compared to a current price of $0.85 — trading 8.6% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 5,250.25. Pacific Health Care Organization's overall GF Score™ is 47/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current Interest Coverage is No Debt (1) as of Mar. 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 $0.85 is trading 8.6% below its estimated GF Value™ of $0.93.
GuruFocus considers Pacific Health Care Organization to be Fairly Valued.
Key valuation signals for PFHO:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 5,250.25)
GF Value™: $0.93 vs. price of $0.85 (8.6% below fair value)
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.
47GF Score
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