Pacific Health Care OrganizationPFHO 51 Peter Lynch Fair Value is $1.01 as of Jul. 11, 2026, which is 13% below its 10-year median of 1.16. 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 4 Healthcare Plans companies, Pacific Health Care Organization ranks worse than 75% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
The historical rank and industry rank for Pacific Health Care Organization's Peter Lynch Fair Value or its related term are showing as below:
PFHO'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.28 Med: 1.16 Max: 2.23
Current: 0.82
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Pacific Health Care Organization was 2.23. The lowest was 0.28. And the median was 1.16.
PFHO's Price-to-Peter-Lynch-Fair-Value is ranked worse than 75% of 4
companies
in the Healthcare Plans industry
Industry Median: 0.765
vs PFHO: 0.82
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Pacific Health Care Organization (OTCPK:PFHO) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 9.15 instead of 15 in this case.
Pacific Health Care Organization's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
0.83
/
1.01
=
0.82
* 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 Peter Lynch Fair Value Related Terms
Pacific Health Care Organization Peter Lynch Fair Value 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 Peter Lynch Fair Value Chart
PFHO vs UNH, CVS, ELV: Peter Lynch Fair Value Comparison
For the Healthcare Plans subindustry, Pacific Health Care Organization's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's Price-to-Peter-Lynch-Fair-Value falls into.
Pacific Health Care Organization's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.11.
* 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 be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
Pacific Health Care Organization (PFHO) has a Peter Lynch Fair Value of $1.01 as of Jul. 11, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Pacific Health Care Organization and its competitors. This is 13% below median its historical median of 1.16. Over the past decade, Pacific Health Care Organization's Peter Lynch Fair Value has ranged from 0.28 to 2.23. According to the industry distribution chart, Pacific Health Care Organization ranks #3 out of 4 companies in the Healthcare Plans industry, placing it in the top 75%.
Is Pacific Health Care Organization's Peter Lynch Fair Value too high?
Pacific Health Care Organization's current Peter Lynch Fair Value of $1.01 is 13% below median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 2.23. The Healthcare Plans industry median Peter Lynch Fair Value is 0.77. Pacific Health Care Organization's value of $1.01 is 32% above this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #3 out of 4 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's Peter Lynch Fair Value compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #3 out of 4 companies for Peter Lynch Fair Value. This places Pacific Health Care Organization in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.77. Pacific Health Care Organization's value of $1.01 is 32% above this benchmark. Historically, Pacific Health Care Organization's own Peter Lynch Fair Value has ranged from 0.28 to 2.23 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 0.77, 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 Peter Lynch Fair Value for a Healthcare Plans company?
The median Peter Lynch Fair Value among Healthcare Plans companies is 0.77, based on 4 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current Peter Lynch Fair Value of $1.01 is 32% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median Peter Lynch Fair Value is 0.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current Peter Lynch Fair Value is $1.01, which is 13% below median its own 10-year median of 1.16. 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 Peter Lynch Fair Value is $1.01, which is 13% below median its 10-year median of 1.16 and 32% above the Healthcare Plans industry median of 0.77. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current Peter Lynch Fair Value is $1.01 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:
Peter Lynch Fair Value: $1.01 (13% below median its 10-year median of 1.16)
GF Value™: $0.94 vs. price of $0.83 (11.7% below fair value)
Industry Position: 32% above the Healthcare Plans median (#3 of 4)
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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