Whirlpool Corporation (WHR): fair value, margin of safety and Wheel Score

Is WHR undervalued?

At 27.63 (close of 16 Oct 2026), WHR trades 54% below the GLS average fair value of 59.54. That average comes from 7 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Whirlpool Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between 10 Cap (14.54) and Graham Growth (164.56). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

The nightly engine files WHR under High Yield Income: a dividend yield above 4%.

Nine valuation models for WHR

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Whirlpool Corporation scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 2.2/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.

Returns on capital are thin or negative - ROIC 3.0%, ROE 11.6%, ROA 2.0% - with debt at 2.88 times equity and negative free cash flow. Debt of 2.88 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.

The dividend yield is high at 6.51% (payout ratio 93%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Laundry 30%, Refrigeration 30%, Cooking 23% (quarter Q2 FY2026).

Institutional ownership scores 10/10, insider activity 10/10 and Congressional trading 1/10 on the GLS smart-money scales.

Wheel Score 74: Good

With a Wheel Score of 74 - the Good band - Whirlpool Corporation clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 11/20, Moat 3/15, Premium 18/20, Stability 17/20; Moat (3/15) scores lowest.

Implied volatility is 69% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (18 of 20) because volatility this high usually comes with a reason. The option chain is deep: 218,666 contracts of open interest across all expiries, which means tight fills at most strikes.

Volume runs at 3.6M shares a day on a market cap of $1.8B, with a beta of 1.18; the Stability part of the Wheel Score gives that 17 of 20.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.

Upcoming events

Whirlpool Corporation reports earnings on 26 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

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