Pacific Health Care OrganizationPFHO -1.18%58 Return-on-Tangible-Equity is 5.89% as of Mar. 2026, which is 41% below its 10-year median of 10.03. GuruFocus rates PFHO with a GF Score™ of 58/100 and a GF Value™ of $0.93 (Modestly Undervalued). 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.
The historical rank and industry rank for Pacific Health Care Organization's Return-on-Tangible-Equity or its related term are showing as below:
PFHO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.45 Med: 10.03 Max: 18.37
Current: 10.1
During the past 13 years, Pacific Health Care Organization's highest Return-on-Tangible-Equity was 18.37%. The lowest was 4.45%. And the median was 10.03%.
PFHO's Return-on-Tangible-Equity is ranked worse than 66.67% of 18
companies
in the Healthcare Plans industry
Industry Median: 14.115
vs PFHO: 10.10
Pacific Health Care Organization (OTCPK:PFHO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pacific Health Care Organization Return-on-Tangible-Equity Related Terms
Pacific Health Care Organization Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
PFHO vs UNH, CVS, ELV: Return-on-Tangible-Equity Comparison
For the Healthcare Plans subindustry, Pacific Health Care Organization's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.89% mean?
Pacific Health Care Organization (PFHO) has a Return-on-Tangible-Equity of 5.89% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pacific Health Care Organization and its competitors. This is 41% below median its historical median of 10.03. Over the past decade, Pacific Health Care Organization's Return-on-Tangible-Equity has ranged from 4.45 to 18.37. 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 Return-on-Tangible-Equity too high?
Pacific Health Care Organization's current Return-on-Tangible-Equity of 5.89% is 41% below median its 10-year median of 10.03. Over the past 10 years, this metric has ranged from a low of 4.45 to a high of 18.37. The Healthcare Plans industry median Return-on-Tangible-Equity is 14.12. Pacific Health Care Organization's value of 5.89% is 58.3% 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 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's Return-on-Tangible-Equity compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #12 out of 18 companies for Return-on-Tangible-Equity. This places Pacific Health Care Organization in the lower half of its industry. The industry median Return-on-Tangible-Equity is 14.12. Pacific Health Care Organization's value of 5.89% is 58.3% below this benchmark. Historically, Pacific Health Care Organization's own Return-on-Tangible-Equity has ranged from 4.45 to 18.37 over the past decade. While the company's 10-year median is 10.03 vs. the industry median of 14.12, 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 Return-on-Tangible-Equity for a Healthcare Plans company?
The median Return-on-Tangible-Equity among Healthcare Plans companies is 14.12, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current Return-on-Tangible-Equity of 5.89% is 58.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median Return-on-Tangible-Equity is 14.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current Return-on-Tangible-Equity is 5.89%, which is 41% below median its own 10-year median of 10.03. 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 $0.93, compared to a current price of $0.84 — trading 9.7% below its estimated fair value. The current Return-on-Tangible-Equity is 5.89%, which is 41% below median its 10-year median of 10.03 and 58.3% below the Healthcare Plans industry median of 14.12. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current Return-on-Tangible-Equity is 5.89% 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 $0.84 is trading 9.7% below its estimated GF Value™ of $0.93.
GuruFocus considers Pacific Health Care Organization to be Modestly Undervalued.
Key valuation signals for PFHO:
Return-on-Tangible-Equity: 5.89% (41% below median its 10-year median of 10.03)
GF Value™: $0.93 vs. price of $0.84 (9.7% below fair value)
Industry Position: 58.3% 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
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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