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Pacific Health Care Organization

OTCPK:PFHO
Snowflake Description

Flawless balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PFHO
OTCPK
$17M
Market Cap
  1. Home
  2. US
  3. Healthcare
Company description

Pacific Health Care Organization, Inc., through its subsidiaries, provides specialty workers’ compensation managed care services for self-administered employers, insurers, third party administrators, municipalities, and others in the United States. The last earnings update was 26 days ago. More info.


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PFHO Share Price and Events
7 Day Returns
0%
OTCPK:PFHO
0.1%
US Healthcare
0.5%
US Market
1 Year Returns
-7.8%
OTCPK:PFHO
-3.8%
US Healthcare
0.8%
US Market
PFHO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Pacific Health Care Organization (PFHO) 0% -3.6% 10.4% -7.8% 173.5% -61.5%
US Healthcare 0.1% 3.7% -1.6% -3.8% 23% 61.3%
US Market 0.5% 0.2% 1.1% 0.8% 37.4% 37.5%
1 Year Return vs Industry and Market
  • PFHO underperformed the Healthcare industry which returned -3.8% over the past year.
  • PFHO underperformed the Market in United States of America which returned 0.8% over the past year.
Price Volatility
PFHO
Industry
5yr Volatility vs Market

Value

 Is Pacific Health Care Organization undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Pacific Health Care Organization to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Pacific Health Care Organization.

OTCPK:PFHO Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Extrapolated from most recent financials. See below
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:PFHO
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Healthcare Unlevered Beta Simply Wall St/ S&P Global 0.64
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.638 (1 + (1- 21%) (4.24%))
0.772
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for OTCPK:PFHO using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Pacific Health Care Organization is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

OTCPK:PFHO DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 7.5%)
2019 0.31 Est @ -55.04% 0.29
2020 0.19 Est @ -37.71% 0.17
2021 0.14 Est @ -25.58% 0.12
2022 0.12 Est @ -17.09% 0.09
2023 0.11 Est @ -11.14% 0.07
2024 0.10 Est @ -6.98% 0.06
2025 0.09 Est @ -4.07% 0.06
2026 0.09 Est @ -2.03% 0.05
2027 0.09 Est @ -0.6% 0.05
2028 0.09 Est @ 0.4% 0.04
Present value of next 10 years cash flows $1.00
OTCPK:PFHO DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2028 × (1 + g) ÷ (Discount Rate – g)
= $0.09 × (1 + 2.73%) ÷ (7.5% – 2.73%)
$1.98
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $1.98 ÷ (1 + 7.5%)10
$0.96
OTCPK:PFHO Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $1.00 + $0.96
$1.96
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $1.96 / 3.20
$0.61
OTCPK:PFHO Discount to Share Price
Calculation Result
Value per share (USD) From above. $0.61
Current discount Discount to share price of $5.30
= -1 x ($5.30 - $0.61) / $0.61
-765.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Pacific Health Care Organization is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Pacific Health Care Organization's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Pacific Health Care Organization's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:PFHO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.40
OTCPK:PFHO Share Price ** OTCPK (2019-06-06) in USD $5.3
United States of America Healthcare Industry PE Ratio Median Figure of 57 Publicly-Listed Healthcare Companies 22.98x
United States of America Market PE Ratio Median Figure of 3,091 Publicly-Listed Companies 17.68x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Pacific Health Care Organization.

OTCPK:PFHO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:PFHO Share Price ÷ EPS (both in USD)

= 5.3 ÷ 0.40

13.31x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Pacific Health Care Organization is good value based on earnings compared to the US Healthcare industry average.
  • Pacific Health Care Organization is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Pacific Health Care Organization's expected growth come at a high price?
Raw Data
OTCPK:PFHO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 13.31x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
9.7%per year
United States of America Healthcare Industry PEG Ratio Median Figure of 43 Publicly-Listed Healthcare Companies 1.68x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.52x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Pacific Health Care Organization, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Pacific Health Care Organization's assets?
Raw Data
OTCPK:PFHO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $2.62
OTCPK:PFHO Share Price * OTCPK (2019-06-06) in USD $5.3
United States of America Healthcare Industry PB Ratio Median Figure of 93 Publicly-Listed Healthcare Companies 2.31x
United States of America Market PB Ratio Median Figure of 5,244 Publicly-Listed Companies 1.79x
OTCPK:PFHO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:PFHO Share Price ÷ Book Value per Share (both in USD)

= 5.3 ÷ 2.62

2.02x

* Primary Listing of Pacific Health Care Organization.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Pacific Health Care Organization is good value based on assets compared to the US Healthcare industry average.
X
Value checks
We assess Pacific Health Care Organization's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Healthcare industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Healthcare industry average (and greater than 0)? (1 check)
  5. Pacific Health Care Organization has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Pacific Health Care Organization expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Pacific Health Care Organization, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Pacific Health Care Organization expected to grow at an attractive rate?
  • Pacific Health Care Organization's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Pacific Health Care Organization's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Pacific Health Care Organization's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:PFHO Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:PFHO Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 9.7%
United States of America Healthcare Industry Earnings Growth Rate Market Cap Weighted Average 12.3%
United States of America Healthcare Industry Revenue Growth Rate Market Cap Weighted Average 6.2%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:PFHO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:PFHO Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 7 1 1
2018-12-31 7 1 1
2018-09-30 7 1 1
2018-06-30 7 1 1
2018-03-31 7 2 1
2017-12-31 6 1 1
2017-09-30 6 1 1
2017-06-30 6 1 1
2017-03-31 6 1 1
2016-12-31 6 1 1
2016-09-30 6 2 1
2016-06-30 6 2 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Pacific Health Care Organization's earnings are expected to grow by 9.7% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Pacific Health Care Organization is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:PFHO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Pacific Health Care Organization Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:PFHO Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.40
2018-12-31 0.42
2018-09-30 0.41
2018-06-30 0.38
2018-03-31 0.36
2017-12-31 0.30
2017-09-30 0.29
2017-06-30 0.27
2017-03-31 0.22
2016-12-31 0.18
2016-09-30 0.20
2016-06-30 0.28

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Pacific Health Care Organization will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Pacific Health Care Organization's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Pacific Health Care Organization has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Pacific Health Care Organization performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Pacific Health Care Organization's growth in the last year to its industry (Healthcare).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Pacific Health Care Organization's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • Pacific Health Care Organization's 1-year earnings growth exceeds its 5-year average (11.6% vs -13%)
  • Pacific Health Care Organization's earnings growth has exceeded the US Healthcare industry average in the past year (11.6% vs 2.2%).
Earnings and Revenue History
Pacific Health Care Organization's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Pacific Health Care Organization Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:PFHO Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 7.03 1.27 1.77
2018-12-31 6.83 1.36 1.72
2018-09-30 6.64 1.30 1.66
2018-06-30 6.55 1.23 1.63
2018-03-31 6.51 1.14 1.67
2017-12-31 6.48 0.96 1.69
2017-09-30 6.47 0.92 1.77
2017-06-30 6.33 0.86 1.73
2017-03-31 5.91 0.69 1.68
2016-12-31 5.67 0.57 1.67
2016-09-30 5.53 0.63 1.68
2016-06-30 6.15 0.90 1.69
2016-03-31 7.15 1.27 1.70
2015-12-31 8.21 1.68 1.74
2015-09-30 9.02 1.86 1.74
2015-06-30 9.70 1.96 1.73
2015-03-31 9.74 2.02 1.73
2014-12-31 9.40 1.96 1.65
2014-09-30 8.94 1.91 1.57
2014-06-30 7.90 1.69 1.56
2014-03-31 7.19 1.48 1.54
2013-12-31 6.56 1.23 1.52
2013-09-30 5.98 1.01 1.53
2013-06-30 5.61 0.86 1.56
2013-03-31 5.15 0.76 1.51
2012-12-31 4.83 0.71 1.45
2012-09-30 4.32 0.58 1.34
2012-06-30 3.86 0.47 1.21

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Pacific Health Care Organization has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Pacific Health Care Organization used its assets more efficiently than the US Healthcare industry average last year based on Return on Assets.
  • Pacific Health Care Organization's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Pacific Health Care Organization's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Healthcare industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Pacific Health Care Organization has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Pacific Health Care Organization's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Pacific Health Care Organization's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Pacific Health Care Organization is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Pacific Health Care Organization's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Pacific Health Care Organization's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Pacific Health Care Organization has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Pacific Health Care Organization Company Filings, last reported 2 months ago.

OTCPK:PFHO Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 8.40 0.72 7.37
2018-12-31 8.08 0.00 7.07
2018-09-30 7.76 0.00 6.85
2018-06-30 7.45 0.00 6.54
2018-03-31 7.12 0.00 6.71
2017-12-31 6.72 0.00 5.82
2017-09-30 6.46 0.00 5.61
2017-06-30 6.22 0.00 5.43
2017-03-31 5.98 0.00 5.09
2016-12-31 5.76 0.00 5.01
2016-09-30 5.52 0.00 4.85
2016-06-30 5.33 0.00 4.47
2016-03-31 5.24 0.00 4.43
2015-12-31 5.13 0.00 3.83
2015-09-30 4.85 0.00 3.28
2015-06-30 5.47 0.00 3.62
2015-03-31 5.12 0.00 3.22
2014-12-31 4.63 0.01 2.95
2014-09-30 4.24 0.01 2.58
2014-06-30 3.69 0.01 2.05
2014-03-31 3.19 0.02 1.73
2013-12-31 2.74 0.02 1.27
2013-09-30 2.33 0.03 0.93
2013-06-30 2.00 0.03 0.85
2013-03-31 1.71 0.04 0.45
2012-12-31 1.51 0.04 0.48
2012-09-30 1.33 0.01 0.41
2012-06-30 1.14 0.01 0.46
  • Pacific Health Care Organization has no debt.
  • Pacific Health Care Organization has no debt compared to 5 years ago when it was 0.6%.
  • Pacific Health Care Organization has no debt, it does not need to be covered by operating cash flow.
  • Pacific Health Care Organization has no debt, therefore coverage of interest payments is not a concern.
X
Financial health checks
We assess Pacific Health Care Organization's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Pacific Health Care Organization has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Pacific Health Care Organization's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Pacific Health Care Organization dividends.
If you bought $2,000 of Pacific Health Care Organization shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Pacific Health Care Organization's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Pacific Health Care Organization's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:PFHO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Healthcare Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 1.6%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2011 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Pacific Health Care Organization has not reported any payouts.
  • Unable to verify if Pacific Health Care Organization's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Pacific Health Care Organization's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Pacific Health Care Organization has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Pacific Health Care Organization's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Pacific Health Care Organization afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Pacific Health Care Organization has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Pacific Health Care Organization's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Tom Kubota
COMPENSATION $943,360
AGE 79
CEO Bio

Mr. Tom Kubota serves as the Chief Executive Officer of Pacific Health Care Organization, Inc. and has been its President since 2000. Mr. Kubota serves as the President of Nanko Corporation. He has expertise in counseling emerging public companies. For the last five years, he has been primarily engaged in running his consulting firm Nanko Investments, Inc. He served as an Interim Secretary of Pacific Health Care Organization Inc. of Medex Healthcare, Inc. He has thirty years of experience in the investment banking, securities and corporate finance field. He served as a Vice President of Drexel Burnham Lambert; at Stem, Frank, Meyer and Fox; and Cantor Fitzgerald. He serves as the Chairman of Pacific Health Care Organization Inc. He served as the Chairman of Gene-Cell, Inc. Mr. Kubota has been a Director of Pacific Health Care Organization, Inc. since September 2000.

CEO Compensation
  • Tom's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
  • Tom's remuneration is higher than average for companies of similar size in United States of America.
Management Team

Tom Kubota

TITLE
Chairman
COMPENSATION
$943K
AGE
79

Fred Odaka

TITLE
CFO & Secretary
COMPENSATION
$121K
AGE
81
TENURE
10.8 yrs

David Kim

TITLE
Chief Operating Officer of Medex
COMPENSATION
$143K
AGE
45

Kathy Torres

TITLE
Executive Vice President of Medex Healthcare
AGE
68

Don Balzano

TITLE
President of Industrial Resolutions Coalition Inc. & President of Medex Legal Support Inc.
COMPENSATION
$157K
AGE
72
TENURE
11.4 yrs

Geri Plotzke

TITLE
Executive Vice President of Medex Healthcare Inc
COMPENSATION
$111K
AGE
75
Board of Directors Tenure

Average tenure and age of the Pacific Health Care Organization board of directors in years:

2.6
Average Tenure
53
Average Age
  • The average tenure for the Pacific Health Care Organization board of directors is less than 3 years, this suggests a new board.
Board of Directors

Tom Kubota

TITLE
Chairman
COMPENSATION
$943K
AGE
79

David Wang

TITLE
Independent Director
COMPENSATION
$5K
AGE
56
TENURE
11.6 yrs

Stacy Hadley

TITLE
Director
COMPENSATION
$5K
AGE
50
TENURE
2.6 yrs

Gunter Soraperra

TITLE
Director
COMPENSATION
$5K
AGE
57
TENURE
2.6 yrs

Kristina Kubota

TITLE
Director
COMPENSATION
$77K
AGE
33
TENURE
1.3 yrs

Lauren Kubota

TITLE
Director
COMPENSATION
$75K
AGE
34
TENURE
1.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Pacific Health Care Organization insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
03. Jun 19 Buy Tom Kubota Individual 31. May 19 31. May 19 1,000 $5.90 $5,705
15. Mar 19 Buy Tom Kubota Individual 15. Mar 19 15. Mar 19 1,000 $4.80 $4,785
25. Feb 19 Buy Tom Kubota Individual 22. Feb 19 22. Feb 19 1,000 $4.80 $4,775
30. Jan 19 Buy Tom Kubota Individual 28. Jan 19 28. Jan 19 400 $4.80 $1,918
07. Jan 19 Buy Tom Kubota Individual 04. Jan 19 04. Jan 19 500 $4.80 $2,387
14. Dec 18 Buy Tom Kubota Individual 12. Dec 18 14. Dec 18 1,000 $4.80 $4,700
09. Oct 18 Buy Tom Kubota Individual 05. Oct 18 05. Oct 18 500 $5.80 $2,890
04. Oct 18 Buy Tom Kubota Individual 02. Oct 18 02. Oct 18 500 $5.80 $2,900
04. Sep 18 Buy Tom Kubota Individual 31. Aug 18 31. Aug 18 500 $5.65 $2,815
27. Aug 18 Buy Tom Kubota Individual 23. Aug 18 24. Aug 18 1,000 $5.55 $5,498
16. Jul 18 Buy Tom Kubota Individual 13. Jul 18 13. Jul 18 500 $5.85 $2,895
02. Jul 18 Buy Tom Kubota Individual 29. Jun 18 29. Jun 18 20 $5.90 $118
02. Jul 18 Buy Tom Kubota Individual 29. Jun 18 29. Jun 18 480 $5.75 $2,660
28. Jun 18 Buy Tom Kubota Individual 26. Jun 18 26. Jun 18 500 $5.95 $2,955
X
Management checks
We assess Pacific Health Care Organization's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Pacific Health Care Organization has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Pacific Health Care Organization, Inc., through its subsidiaries, provides specialty workers’ compensation managed care services for self-administered employers, insurers, third party administrators, municipalities, and others in the United States. The company is involved in managing and administering health care organizations (HCOs) and medical provider networks (MPNs); and negotiating legal agreements for the implementation of workers’ compensation carve-outs for California client/employers with collective bargaining units. It also offers HCO and MPN programs; nurse case management services; and ancillary services, including utilization and medical bill review, lien representation, legal support, and Medicare set aside, network access fee services for workers’ compensation claims. The company was formerly known as Clear Air, Inc. and changed its name to Pacific Health Care Organization, Inc. in January 2001. Pacific Health Care Organization, Inc. was incorporated in 1970 and is based in Newport Beach, California.

Details
Name: Pacific Health Care Organization, Inc.
PFHO
Exchange: OTCPK
Founded: 1970
$16,960,000
3,200,000
Website: http://www.pacifichealthcareorganization.com
Address: Pacific Health Care Organization, Inc.
1201 Dove Street,
Suite 300,
Newport Beach,
California, 92660,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK PFHO Common Stock Pink Sheets LLC US USD 25. Jul 1995
Number of employees
Current staff
Staff numbers
39
Pacific Health Care Organization employees.
Industry
Managed Health Care
Healthcare
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/15 23:50
End of day share price update: 2019/06/06 00:00
Last earnings filing: 2019/05/20
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.