MARKETS / BALCAO / PFHO

BALCAO · SERVICES-MISC HEALTH & ALLIED SERVICES, NEC · SMALL CAP

Pacific Health Care Organization Inc. PFHO

16 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$6.7M

▲ 10.7% YoY

Net income

$1.4M

▲ 57.0% YoY

Free cash flow

$1.1M

▲ 70.8% YoY

In brief

What this company does

We are workers’ compensation cost containment specialists providing a range of services principally to California employers and claims administrators. The Company was incorporated under the laws of the State of Utah in April 1970, under the name Clear Air, Inc. The Company changed its name to Pacific Health Care Organization, Inc., in January 2001. In February 2001, we acquired Medex, a California corporation organized in March 1994, in a share for share exchange. We offer an integrated and layered array of complementary business solutions that enable our customers to better manage their workers’ compensation-related healthcare administration costs.

Written from the business description in Pacific Health Care Organization, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 18 March 2026. Every sentence was checked against that document before publication.

Growth

USD 6.7M

Revenue, FY2025 · full 16-year series below

Revenue $M Net income $M

FY2025 · Revenue 6.7 · Net income 1.4

Compound annual growth

Revenue

+5.3%

+2.1%

−2.0%

+10.0%

Net income

+41.2%

+20.4%

−1.9%

EPS, diluted

+40.1%

+22.4%

Returned to shareholders

−28.8%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +2.1% a year over five years — but profit grew faster: net income at +20.4%, earnings per share at +22.4%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

21 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 14.9% · Net 20.7%

ROE

FY2025 · ROE 11.2%

Gross margin—

Operating margin14.9%

Net margin20.7%

Return on assets10.7%

EBITDAUSD 1.0M

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders

USD 37,000.00

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 1.1

Net buybacks $M Dividends $M

FY2025 · Dividends 0.0 · Net buybacks —

Dividends paidUSD 37,000.00

Net buybacks—

Share of profit2.7%

Consecutive raises—

USD 37,000.00 in dividends — 3% of the year's profit went back to shareholders.

Total assetsUSD 13.5M

EquityUSD 13.1M

CashUSD 2.2M

Current ratio34.45×

Equity funds 97% of total assets.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
EBITDA $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·
EPS, diluted $	0.11	0.07	0.06	0.04	0.08	0.04	0.09	0.11	0.30	0.71	2.10	2.45	1.54	0.89	0.25	−0.08
Dividend / sh $	·	·	0.10	·	·	·	·	·	·	·	·	·	·	0.00	0.00	·
Payout %	3	0	167	0	·	·	0	1	0	0	56	0	0	0	·	·
ROE %	11.2	7.9	6.9	4.5	9.6	5.8	13.8	18.4	15.5	10.4	34.4	53.3	58.0	61.8	28.5	−10.0
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 63 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 30 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityServices-Misc Health & Allied Services, NEC

Listed onOTC market

Incorporated inUtah

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2010