PFHO (Pacific Health Care Organization) Moat Score: 2/10 (As of Jun. 28, 2026)


PFHO Pacific Health Care Organization Inc PFHO
51 GF Score
Price $0.85
GF Value $0.93
Valuation Fairly Valued
! 1 Warning Sign
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What is Pacific Health Care Organization Moat Score?

Pacific Health Care Organization PFHO 51 Moat Score is 2 as of Jun. 28, 2026. GuruFocus rates PFHO with a GF Score™ of 51/100 and a GF Value™ of $0.93 (Fairly Valued). The stock has 1 warning sign investors should review. Among 18 Healthcare Plans companies, Pacific Health Care Organization ranks worse than 66.67% on this metric.

Pacific Health Care Organization has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Pacific Health Care Organization has No Moat: PFHO operates in a niche healthcare market with limited scale and competitive advantages. It lacks significant market leadership, proprietary technology, or strong brand loyalty, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pacific Health Care Organization might have No Moat - Very weak/transient advantages.

Pacific Health Care Organization  (OTCPK:PFHO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pacific Health Care Organization Moat Score Related Terms

PFHO vs UNH, CVS, ELV: Moat Score Comparison

For the Healthcare Plans subindustry, Pacific Health Care Organization's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's Moat Score distribution charts can be found below:

* The bar in red indicates where Pacific Health Care Organization's Moat Score falls into.


PFHO
51GF Score
Pacific Health Care Organization Inc PFHO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Pacific Health Care Organization (PFHO) has a Moat Score of 2 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pacific Health Care Organization ranks #12 out of 18 companies in the Healthcare Plans industry, placing it in the top 66.7%.
Is Pacific Health Care Organization's Moat Score too high?
Pacific Health Care Organization's current Moat Score is 2. The Healthcare Plans industry median Moat Score is 4.00. Pacific Health Care Organization's value of 2 is 50% below this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #12 out of 18 companies in the Healthcare Plans industry, which is below the industry midpoint. Overall, Pacific Health Care Organization has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's Moat Score compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #12 out of 18 companies for Moat Score. This places Pacific Health Care Organization in the lower half of its industry. The industry median Moat Score is 4.00. Pacific Health Care Organization's value of 2 is 50% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Healthcare Plans company?
The median Moat Score among Healthcare Plans companies is 4.00, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a Moat Score significantly above this median, while those in the bottom quartile fall well below. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current Moat Score of 2 is 50% 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. For the Healthcare Plans industry, the median Moat Score is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current Moat Score is 2. 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 Moat Score is 2 and 50% below the Healthcare Plans industry median of 4.00. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current Moat Score is 2 as of Jun. 28, 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:

  • Moat Score: 2
  • GF Value™: $0.93 vs. price of $0.85 (8.6% below fair value)
  • GF Score™: 51/100 with 1 warning sign
  • Industry Position: 50% below the Healthcare Plans median (#12 of 18)

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

Address 19800 MacArthur Boulevard, Suites 306 and 307, Irvine, CA, USA, 92612
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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$0.85
Price
$0.93
GF Value