Pacific Health Care OrganizationPFHO 47 ROA % is 5.70% as of Mar. 2026, which is 38% below its 10-year median of 9.25. 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 18 Healthcare Plans companies, Pacific Health Care Organization ranks better than 83.33% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Pacific Health Care Organization's annualizedNet Income for the quarter that ended in Mar. 2026 was $0.78 Mil.
Pacific Health Care Organization's average Total Assets over the quarter that ended in Mar. 2026 was $13.61 Mil. Therefore, Pacific Health Care Organization's annualized ROA % for the quarter that ended in Mar. 2026 was 5.70%.
PFHO'
s ROA % Range Over the Past 10 Years
Min: 4.22 Med: 9.25 Max: 17.25
Current: 9.69
During the past 13 years, Pacific Health Care Organization's highest ROA % was 17.25%. The lowest was 4.22%. And the median was 9.25%.
PFHO's ROA % is ranked better than 83.33% of 18
companies
in the Healthcare Plans industry
Industry Median: 2.035
vs PFHO: 9.69
Pacific Health Care Organization (OTCPK:PFHO) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Pacific Health Care Organization ROA % Related Terms
Pacific Health Care Organization ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's ROA % distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Pacific Health Care Organization (PFHO) has a ROA % of 5.70% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pacific Health Care Organization and its competitors. This is 38% below median its historical median of 9.25. Over the past decade, Pacific Health Care Organization's ROA % has ranged from 4.22 to 17.25. According to the industry distribution chart, Pacific Health Care Organization ranks #3 out of 18 companies in the Healthcare Plans industry, placing it in the top 16.7%.
Is Pacific Health Care Organization's ROA % too high?
Pacific Health Care Organization's current ROA % of 5.70% is 38% below median its 10-year median of 9.25. Over the past 10 years, this metric has ranged from a low of 4.22 to a high of 17.25. The Healthcare Plans industry median ROA % is 2.04. Pacific Health Care Organization's value of 5.70% is 180.1% above this industry median. Based on the distribution chart, Pacific Health Care Organization ranks #3 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 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Health Care Organization's ROA % compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #3 out of 18 companies for ROA %. This places Pacific Health Care Organization in the top 17% of its industry — outperforming the majority of peers. The industry median ROA % is 2.04. Pacific Health Care Organization's value of 5.70% is 180.1% above this benchmark. Historically, Pacific Health Care Organization's own ROA % has ranged from 4.22 to 17.25 over the past decade. While the company's 10-year median is 9.25 vs. the industry median of 2.04, 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 ROA % for a Healthcare Plans company?
The median ROA % among Healthcare Plans companies is 2.04, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Health Care Organization's current ROA % of 5.70% is 180.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pacific Health Care Organization and its competitors. For the Healthcare Plans industry, the median ROA % is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Health Care Organization's current ROA % is 5.70%, which is 38% below median its own 10-year median of 9.25. 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 ROA % is 5.70%, which is 38% below median its 10-year median of 9.25 and 180.1% above the Healthcare Plans industry median of 2.04. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current ROA % is 5.70% 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:
ROA %: 5.70% (38% below median its 10-year median of 9.25)
GF Value™: $0.93 vs. price of $0.85 (8.6% below fair value)
Industry Position: 180.1% above the Healthcare Plans median (#3 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.
47GF Score
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