What is Pacific Health Care Organization PB Ratio?
Pacific Health Care OrganizationPFHO 58 PB Ratio is 0.82 as of Jul. 01, 2026, which is 36% below its 10-year median of 1.28. GuruFocus rates PFHO with a GF Score™ of 58/100 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 better than 88.89% on this metric.
PFHO'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 1.28 Max: 2.68
Current: 0.82
During the past 13 years, Pacific Health Care Organization's highest PB Ratio was 2.68. The lowest was 0.68. And the median was 1.28.
PFHO's PB Ratio is ranked better than 88.89% of 18
companies
in the Healthcare Plans industry
Industry Median: 2.74
vs PFHO: 0.82
During the past 12 months, Pacific Health Care Organization's average Book Value Per Share Growth Rate was 10.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pacific Health Care Organization was 79.90% per year. The lowest was 2.60% per year. And the median was 13.30% per year.
Back to Basics: PB Ratio
Pacific Health Care Organization (OTCPK:PFHO) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pacific Health Care Organization PB Ratio Related Terms
Pacific Health Care Organization 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.
For the Healthcare Plans subindustry, Pacific Health Care Organization's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's PB Ratio falls into.
Pacific Health Care Organization PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pacific Health Care Organization (PFHO) has a PB Ratio of 0.82 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pacific Health Care Organization and its competitors. This is 36% below median its historical median of 1.28. Over the past decade, Pacific Health Care Organization's PB Ratio has ranged from 0.68 to 2.68. According to the industry distribution chart, Pacific Health Care Organization ranks #2 out of 18 companies in the Healthcare Plans industry, placing it in the top 11.1%.
Is Pacific Health Care Organization's PB Ratio too high?
Pacific Health Care Organization's current PB Ratio of 0.82 is 36% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 2.68. The Healthcare Plans industry median PB Ratio is 2.74. Pacific Health Care Organization's value of 0.82 is 70.1% below this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #2 out of 18 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 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's PB Ratio compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #2 out of 18 companies for PB Ratio. This places Pacific Health Care Organization in the top 11% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.74. Pacific Health Care Organization's value of 0.82 is 70.1% below this benchmark. Historically, Pacific Health Care Organization's own PB Ratio has ranged from 0.68 to 2.68 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 2.74, 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 PB Ratio for a Healthcare Plans company?
The median PB Ratio among Healthcare Plans companies is 2.74, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, 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 PB Ratio of 0.82 is 70.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median PB Ratio is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current PB Ratio is 0.82, which is 36% below median its own 10-year median of 1.28. 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 PB Ratio is 0.82, which is 36% below median its 10-year median of 1.28 and 70.1% below the Healthcare Plans industry median of 2.74. Pacific Health Care Organization's overall GF Score™ is 58/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current PB Ratio is 0.82 as of Jul. 01, 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:
PB Ratio: 0.82 (36% below median its 10-year median of 1.28)
GF Value™: $0.93 vs. price of $0.85 (8.6% below fair value)
Industry Position: 70.1% below the Healthcare Plans median (#2 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
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.
58GF Score
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