Whirlpool (WHR) AI Stock Analysis

• Market Cap: $5.31B
• Dividend Yield: 7.4%
• Average Volume (3M): 1.99M
• Price to Earnings (P/E): 738.8
• Beta (1Y): 0.99
• Revenue Growth: -16.05%
• EPS Growth: -127.65%
• Country: US
• Employees: 44,000
• Sector: Consumer Cyclical
• Sector Strength: 80
• Industry: Furnishings, Fixtures & Appliances
• EPS (TTM): 1.34
• Shares Outstanding: 55,894,410
• 10 Day Avg. Volume: 1,114,447
• 30 Day Avg. Volume: 1,986,385
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 2.49
• Enterprise Value/Revenue: 0.85
• Enterprise Value/Gross Profit: 5.22
• Enterprise Value/Ebitda: 10.42
• 1Y Price Target: $92.86
• Price Target Upside: -1.84% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 8

• Rating: 49 Neutral
• Price Target: $93.00 ▼(-1.69% Downside)

Whirlpool's overall stock score reflects significant financial challenges, including declining revenues and high leverage, which are the most impactful factors. Technical analysis and valuation provide mixed signals, while the earnings call underscores ongoing macroeconomic pressures and strategic adjustments. The dividend reduction further highlights financial constraints.

Positive Factors

Debt Management

Management expects to pay down ~$700M in debt in 2025.

Tariffs

Whirlpool expects to be a net beneficiary of tariffs and plans to offset headwinds through price increases.

Negative Factors

Dividend Reduction

Whirlpool management recommended that the board approve a reduction in the annual dividend to $3.60 from $7.00.

Earnings Guidance

Management reduced its full year ongoing EPS guidance to $6-$8 from $10 driven by weaker organic revenue growth to flat YoY.

Leverage

Whirlpool’s leverage is 5.4x net debt.

Whirlpool Business Overview & Revenue Model

Company Description

Whirlpool Corporation manufactures and markets home appliances and related products. It operates through four segments: North America; Europe, Middle East and Africa; Latin America; and Asia. The company's principal products include refrigerators, freezers, ice makers, and refrigerator water filters; laundry appliances and related laundry accessories; cooking and other small domestic appliances; and dishwasher appliances and related accessories, as well as mixers. It markets and distributes its products primarily under the Whirlpool, Maytag, KitchenAid, JennAir, Amana, Roper, Affresh, Gladiator, Swash, everydrop, Speed Queen, Hotpoint, Bauknecht, Indesit, Ignis, Privileg, Consul, Eslabon de Lujo, Brastemp, Acros, Ariston, Diqua, and Royalstar brands. The company sells its products to retailers, distributors, dealers, builders, and other manufacturers, as well as directly to consumers. Whirlpool Corporation was founded in 1911 and is headquartered in Benton Harbor, Michigan.

How the Company Makes Money

Whirlpool generates revenue primarily through the sale of home appliances, which are distributed through various channels, including retailers, wholesalers, and online platforms. The company has a diversified revenue model that includes both domestic and international sales, with a significant portion of its revenue coming from the North American market. Key revenue streams consist of major appliance sales, parts and service revenue, and warranties. Additionally, Whirlpool benefits from strategic partnerships with retailers and distributors, allowing it to enhance its market presence and reach. Product innovation and the introduction of energy-efficient and smart appliance technologies also play a crucial role in driving sales and profitability. Seasonal promotions and marketing campaigns further contribute to revenue generation by attracting consumers and boosting sales during peak buying periods.

Whirlpool Financial Statement Overview

Summary

Whirlpool faces challenges in revenue and profitability, with declining sales and negative net income impacting performance. The balance sheet shows high leverage, posing potential risks, but cash flow improvements are a positive sign. Strategic focus on reducing debt and improving profitability could enhance financial stability.

Income Statement

Whirlpool's TTM revenue of $15.7 billion shows a decline from the previous year's $16.6 billion, indicating a negative growth trend. The gross profit margin is approximately 16.14%, and the net profit margin is -0.41%, highlighting profitability challenges. EBIT margin stands at 3.53%, while the EBITDA margin is healthier at 7.55%. The negative net income in TTM suggests ongoing operational challenges.

Balance Sheet

The debt-to-equity ratio is significantly high at 3.12, pointing to substantial leverage risk. ROE is negative due to the negative net income, indicating poor returns on shareholder equity. The equity ratio is 15.57%, suggesting lower financial stability and a higher reliance on debt financing.

Cash Flow

The free cash flow shows a substantial increase from $384 million to $1.37 billion, reflecting a positive trend. The operating cash flow to net income ratio is strong at -26.26, indicating good cash-generating capability despite negative net income. The free cash flow to net income ratio is also robust at -21.11, suggesting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	15.52B	16.61B	19.45B	19.72B	21.98B	19.46B
Gross Profit	2.53B	2.58B	3.17B	3.07B	4.41B	3.85B
EBITDA	1.27B	503.00M	1.30B	-562.00M	3.00B	2.45B
Net Income	-148.00M	-323.00M	481.00M	-1.49B	1.78B	1.07B
Balance Sheet
Total Assets	16.76B	16.30B	17.31B	17.12B	20.29B	20.35B
Cash, Cash Equivalents and Short-Term Investments	1.07B	1.27B	1.57B	1.96B	3.04B	2.92B
Total Debt	8.32B	7.34B	7.84B	8.20B	6.03B	6.21B
Total Liabilities	14.18B	13.37B	14.78B	14.62B	15.27B	15.64B
Stockholders Equity	2.32B	2.68B	2.36B	2.34B	4.85B	3.80B
Cash Flow
Free Cash Flow	241.00M	384.00M	366.00M	820.00M	1.65B	1.09B
Operating Cash Flow	618.00M	835.00M	915.00M	1.39B	2.18B	1.50B
Investing Cash Flow	-324.00M	-602.00M	-553.00M	-3.57B	-660.00M	-237.00M
Financing Cash Flow	-394.00M	-476.00M	-792.00M	1.21B	-1.34B	-253.00M

Whirlpool Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 94.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WHR, the sentiment is Positive. The current price of 94.6 is above the 20-day moving average (MA) of 87.44, above the 50-day MA of 94.28, and below the 200-day MA of 95.97, indicating a neutral trend. The MACD of 0.34 indicates Negative momentum. The RSI at 58.57 is Neutral, neither overbought nor oversold. The STOCH value of 90.78 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WHR.

Whirlpool Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMWD	74 Outperform	$981.21M	12.03	9.21%	―	-8.56%	-17.10%
MBC	74 Outperform	$1.75B	18.17	7.15%	―	4.05%	-47.49%
MHK	71 Outperform	$8.15B	17.43	5.95%	―	-1.61%	―
HBB	68 Neutral	$192.05M	6.06	20.79%	3.23%	-2.09%	-5.04%
LZB	64 Neutral	$1.49B	16.77	9.09%	2.33%	2.18%	-22.35%
Sector *	61 Neutral	$17.75B	12.56	-5.49%	3.02%	1.43%	-14.12%
WHR	49 Neutral	$5.31B	738.81	-5.35%	7.40%	-16.05%	-127.65%

Whirlpool Corporate Events

Whirlpool Appoints Mary Ellen Adcock to Board

On August 18, 2025, Whirlpool Corporation appointed Mary Ellen Adcock to its Board of Directors, where she will serve on the Audit Committee and Corporate Governance and Nominating Committee. Adcock, who is currently the executive vice president and chief merchant and marketing officer at The Kroger Co., brings extensive leadership experience in consumer products and merchandising. Her appointment is expected to enhance Whirlpool’s commitment to improving life at home and strengthen its operations in the competitive home appliance industry.

Whirlpool Reduces Quarterly Dividend Amid Strategic Shift

On August 18, 2025, Whirlpool Corporation’s Board of Directors approved a reduction in its quarterly dividend from $1.75 to $0.90 per share, effective for the dividend payable on September 15, 2025. This decision may reflect a strategic financial adjustment impacting shareholder returns. Investors are encouraged to regularly check Whirlpool’s website for updates on important information and disclosures.

Whirlpool Appoints Judith K. Buckner to Board

On June 16, 2025, Whirlpool Corporation announced the appointment of Judith K. Buckner to its Board of Directors, where she will serve on the Corporate Governance and Nominating Committee and the Human Resources Committee. Buckner, who is the president of Reynolds Cooking & Baking, brings extensive experience in the kitchen category, which Whirlpool’s CEO Marc Bitzer believes will be invaluable as the company continues to innovate and enhance consumer experiences globally.