PCM & Home Health Finance Blog
Financial performance insights from FinHealth for home health and hospice CFOs. EBITDA engineering, cash flow, Medicare reimbursement, and capacity optimization.
- Why Healthcare Agency Revenue Can Grow While Profit Declines — Why healthcare agency revenue can grow while profit declines—and what Home Health, Home Care, and Hospice leaders should measure before expanding.
- Home Health Valuation Multiples: What Drives Your Agency's Worth — EBITDA multiples for home health agencies range from 7.5x to 9.5x. Here's what drives the spread and how to position for premium valuation.
- How PDGM Coding Precision Impacts Your Margins — Under PDGM, every coding decision directly affects reimbursement. The agencies that master coding precision protect their margins.
- Days Sales Outstanding: Why DSO Is the CFO's Most Urgent Metric — When DSO climbs above 60 days, cash drag compounds. Here's how to diagnose, reduce, and prevent DSO from eroding your agency's financial health.
- Home Health Payment Rates 2026: What Every Agency Must Know — From the proposed 6.4% cut to the final 1.3% reduction. What changed, what didn't, and how to protect your margins in 2026.
- Medicare Advantage vs Fee-for-Service: Navigating the Payer Mix — With MA enrollment surpassing 50% of Medicare beneficiaries, understanding payer mix impact on margins has never been more critical.
- LUPA Prevention: Stop Leaving Money on the Table — Low Utilization Payment Adjustments silently drain agency margins. Here's how to identify, prevent, and recover from LUPA episodes.
- Home Health M&A 2025-2026: What's Driving the Deal Surge — Private equity is consolidating home health at record pace. What's driving valuations, who's buying, and what makes agencies attractive.
- AI in Home Health: How Technology Is Reshaping Financial Operations — From predictive analytics to documentation automation, AI is transforming how home health agencies manage financial performance.
- How Technology Keeps Elevating Financial Leaders — QuickBooks didn't replace accountants — it made them indispensable. The same kind of evolution is unfolding in home health and hospice finance.
- What Is the PCM Score? Financial Health Assessment for Home Health & Hospice — The PCM Score is a proprietary financial health assessment that measures how well your agency manages capacity, revenue, margin, and cash as one connected system.
- Why Thinking in Working Days Matters for Workforce, Payroll & Cash Flow — Calendar months aren't equal. A 3-day swing in working days means a 15.8% difference in productive capacity.
- Where Agencies Actually Leak Profit (and How FinHealth's Profit Cycle Management™ Platform Fixes It) — Home healthcare agencies often lose profit in places they don't expect. Learn the five most common profit leaks.
- Why You Don't Need to Cut Costs to Increase Margins & EBITDA — Margin improvement often comes from better capacity utilization and revenue quality—not layoffs.
- Capacity, Revenue, Margins & Cash Flow: The Four Pillars of Financial Performance — In FinHealth's Profit Cycle Management™ platform, four pillars work together as one financial operating engine.
- What Is FinHealth's Profit Cycle Management™ Platform? — PCM is FinHealth's proprietary financial operating platform that connects capacity, revenue, margin, and cash into one integrated system.
- What Is FinHealth? The Profit Cycle Management™ Platform — FinHealth's Profit Cycle Management™ platform is a proprietary closed-loop system that connects capacity, revenue, margin, and cash to engineer financial performance, not just report it.
- Introducing FinHealth's Profit Cycle Management™ Platform — PCM™ is the proprietary financial operating system built into the FinHealth platform for home health and hospice.
- Home Care Profit Margins: What CFOs Need to Know — A CFO interview on healthy home care margins, industry benchmarks, and proven strategies.
- Why Accrual vs Cash Accounting Matters — Accrual accounting gives CFOs control over revenue timing and operations.
- The Storm Has Eased: CMS Finalizes 1.3% Cut for 2026 — CMS finalizes 2026 home health rule with 1.3% cut - dramatically reduced from proposed 6.4%.
- How to Engineer EBITDA: A CFO's Guide — Strategic EBITDA engineering for home health agencies. Steps to increase valuation, optimize margins.
- Preparing for the Next Wave of Regulatory Changes — How scenario planning helps home health agencies stay compliant and protect margins.
- Beyond the Balance Sheet: Why Financial Health is Patient Health — How agency financial stability impacts patient capacity and care quality.
- The Hidden Cost of Unbilled Claims in Home Health — Unbilled claims drain agency cash flow. Automated reconciliation can recover up to 15% of trapped revenue.
- Brace for Impact: Home Healthcare Faces a Storm — CMS 6.4% cuts, MedPAC, and OBBBA threaten margins in 2026.
- Strategies for Surviving 2026 Rate Cuts: Podcast Recap — Key takeaways from the Home Health Revealed podcast: RCD, DSO, and scenario planning.
- Scaling to $200M: The Technology & Culture Behind Pinnacle Home Care's Success — How Pinnacle Home Care grew from $17M to $200M by combining family culture with enterprise-grade technology.
- Why Budgets Are Not the Enemy of Growth — How to shift from static budgeting to dynamic forecasting.
- From CFO to Co-Founder and CEO: Why I'm Betting on the Future of Home Health — My personal journey from Ukraine to helping build a $200M agency, and why I left a CFO role to launch FinHealth.
- Home Health Contribution Margin by Payer: Look Beyond Average Reimbursement — Compare home health payer contribution margins with a worked example, consistent cost definitions, and a practical review checklist for agency leaders.