Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Pacific Health Care Organization's 3-Year RORE % for the quarter that ended in Mar. 2026 was 20.83%.
PFHO's 3-Year RORE % is ranked better than 72.22% of 18
companies
in the Healthcare Plans industry
Industry Median: -8.06
vs PFHO: 20.83
Pacific Health Care Organization (OTCPK:PFHO) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Pacific Health Care Organization 3-Year RORE % Related Terms
Pacific Health Care Organization 3-Year RORE % 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 3-Year RORE % Chart
For the Healthcare Plans subindustry, Pacific Health Care Organization's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Pacific Health Care Organization's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Pacific Health Care Organization's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Pacific Health Care Organization (PFHO) has a 3-Year RORE % of 20.83 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Pacific Health Care Organization and its competitors. According to the industry distribution chart, Pacific Health Care Organization ranks #5 out of 18 companies in the Healthcare Plans industry, placing it in the top 27.8%.
Is Pacific Health Care Organization's 3-Year RORE % too high?
Pacific Health Care Organization's current 3-Year RORE % is 20.83. Based on the distribution chart, Pacific Health Care Organization ranks #5 out of 18 companies in the Healthcare Plans industry, which is above 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 3-Year RORE % compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Pacific Health Care Organization ranks #5 out of 18 companies for 3-Year RORE %. This puts Pacific Health Care Organization in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Healthcare Plans company?
A good 3-Year RORE % depends on the Healthcare Plans industry context. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Pacific Health Care Organization and its competitors. Pacific Health Care Organization's current 3-Year RORE % is 20.83. 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 3-Year RORE % is 20.83. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Pacific Health Care Organization (PFHO), the current 3-Year RORE % is 20.83 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:
3-Year RORE %: 20.83
GF Value™: $0.93 vs. price of $0.84 (9.7% below fair value)
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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