Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| Whirlpool Corp.WHR-PA · consumer durables | |
|---|---|
| Grade |  Eweakest fifth of 460 graded peers; percentile 96.2, sampling error 2.3 points; lower is stronger |
| Rank | 439 of 460 |
| Profitability | Dpercentile 67.9 |
| Solvency | Epercentile 86.4 |
| Growth and financing | Dpercentile 65.6 |
| Reliability | 0.94 AUCfailure model, filers with over $2.67B assets; 95% interval 0.88 to 0.97; 61 events, 2020 to 2025 |
| Peer failure rate | 0.52% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | over $2.67B assetstotal assets $16.0B[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none activenot computable: dilution, distress |
| Inputs computable | 10 of 14 |
| Graded from | filings received through Feb 11, 2026240 days before the rescan; every figure keyed to the SEC receipt date |
| Price used in grade | None |
| Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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No price series supplied for this render. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date. Open this report as it stood on | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Each date opens the report as it stood on that rescan. |
Business, in the company's words. Opening of Item 1 of the 10-K received Feb 11, 2026; the document on sec.gov.
Improving life at home has been at the heart of our business for 114 years – it is why we exist and why we are passionate about what we do. Whirlpool Corporation ("Whirlpool"), committed to being the best kitchen and laundry company, in constant pursuit of improving life at home, was incorporated in 1955 under the laws of Delaware and was founded in 1911. Whirlpool manufactures products in four countries and markets products in nearly every country around the world.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 67.9 | |||||||
| Gross profitability | 14.9% | [1,3] | 34.4% | 79.5 | 476 | 2025-12-31 | |
| Return on invested capital | 7.5% | [4-12] | 8.9% | 56.5 | 163 | 2025-12-31 | |
| Accruals ratio | (0.9%) | [1,13-15] | (5.1%) | 83.1 | 525 | 2025-12-31 | |
| Gross margin stability, five years | 1.8 pts | [2-3,16-23] | 1.7 pts | 52.3 | 407 | 2025-12-31 | |
| Solvency, sleeve percentile 86.4 | |||||||
| Twelve-month failure probability | not computable | 0.04% | |||||
| firm-wide XBRL shares cannot be assigned to one ticker class | |||||||
| Altman Z double-prime | not computable | 2.11 | |||||
| one or more required annual facts are missing | |||||||
| Net debt to EBITDA | 4.68x | [4,7,9,24] | 2.11x | 85.2 | 187 | 2025-12-31 | |
| Interest coverage | not computable | 2.57x | |||||
| latest aligned inputs end 2023-12-31; latest annual assets end 2025-12-31 | |||||||
| Current ratio | 0.76x | [25-26] | 1.55x | 87.5 | 541 | 2025-12-31 | |
| Growth and financing, sleeve percentile 65.6 | |||||||
| Revenue growth, three-year compound | (7.7%) | [2,17,19,21] | 1.4% | 82.4 | 482 | 2025-12-31 | |
| Free cash flow growth, three-year compound | (53.8%) | [14,27-33] | 8.3% | 96.6 | 250 | 2025-12-31 | |
| Reinvestment rate | 89.9% | [4-6,24-27,34-35] | 12.0% | 19.1 | 265 | 2025-12-31 | |
| Asset growth, three years | (2.2%) | [1,15,36-37] | 2.0% | 64.3 | 487 | 2025-12-31 | |
| Net share issuance, one year | not computable | (0.3%) | |||||
| firm-wide XBRL shares cannot be assigned to one ticker class | |||||||
Gross profitability. Revenue less cost of goods sold, over total assets.
Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.
Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.
Twelve-month failure probability. CHS model; lower is stronger.
Net debt to EBITDA. Lower is stronger.
Net share issuance, one year. Split-adjusted; lower is stronger.
Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite 0.504; sampling error 2.3 percentile points on 460 peers.
Among 460 Peers [top]
Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 435 | Dolphin Entertainment, Inc. (DLPN) Dolphin Entertainment, Inc. (DLPN) Eweakest fifth; percentile 95.3 Nasdaq · Services-Personal Services market equity $13.0M; last close $1.08 No active warnings; 8 of 14 inputs | 95.3 | E | |
| 436 | Krispy Kreme, Inc. (DNUT) Krispy Kreme, Inc. (DNUT) Eweakest fifth; percentile 95.7 Nasdaq · Retail-Food Stores market equity $522.2M; last close $3.00 No active warnings; 7 of 14 inputs | 95.7 | E | |
| 437 | Hain Celestial Group Inc. (HAIN) Hain Celestial Group Inc. (HAIN) Eweakest fifth; percentile 95.9 Nasdaq · Food and Kindred Products market equity $50.3M; last close $0.56 Warnings: fortress balance sheet; 9 of 14 inputs | 95.9 | E | fortress balance sheet |
| 438 | Andersons, Inc. (ANDE) Andersons, Inc. (ANDE) Eweakest fifth; percentile 96.1 Nasdaq · Wholesale-Farm Product Raw Materials market equity $2.3B; last close $66.50 No active warnings; 7 of 14 inputs | 96.1 | E | |
| 439 | Whirlpool Corp. (WHR) Whirlpool Corp. (WHR) Eweakest fifth; percentile 96.2 NYSE · Household Appliances last close $29.18 No active warnings; 10 of 14 inputs | 96.2 | E | |
| 440 | Whirlpool Corp. (WHR-PA) Whirlpool Corp. (WHR-PA) Eweakest fifth; percentile 96.2 NYSE · Household Appliances No active warnings; 10 of 14 inputs | 96.2 | E | |
| 441 | Torrid Holdings Inc. (CURV) Torrid Holdings Inc. (CURV) Eweakest fifth; percentile 96.5 NYSE · Retail-Apparel & Accessory Stores market equity $235.3M; last close $2.38 No active warnings; 10 of 14 inputs | 96.5 | E | |
| 442 | AEye, Inc. (LIDR) AEye, Inc. (LIDR) Eweakest fifth; percentile 96.5 Nasdaq · Motor Vehicle Parts & Accessories market equity $48.6M; last close $1.05 Warnings: dilution, short runway, fortress balance sheet; 9 of 14 inputs | 96.5 | E | dilution, short runway, fortress balance sheet |
| 443 | Limoneira Co. (LMNR) Limoneira Co. (LMNR) Eweakest fifth; percentile 96.7 Nasdaq · Agricultural Production-Crops market equity $218.5M; last close $12.05 No active warnings; 8 of 14 inputs | 96.7 | E | |
| 444 | Olenox Industries Inc. (OLOX) Olenox Industries Inc. (OLOX) Eweakest fifth; percentile 96.9 Nasdaq · Wholesale-Lumber & Other Construction Materials market equity $1.5M; last close $0.94 Warnings: late filer; 7 of 14 inputs | 96.9 | E | late filer |
| 445 | Cooper-Standard Holdings Inc. (CPS) Cooper-Standard Holdings Inc. (CPS) Eweakest fifth; percentile 96.9 NYSE · Motor Vehicle Parts & Accessories market equity $385.1M; last close $21.68 No active warnings; 9 of 14 inputs | 96.9 | E |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | E | 94.4 | 2204 |
| sector peers, equal sleeves (the grade) | E | 96.2 | 460 |
| same exchange, equal sleeves | E | 96.4 | 984 |
| sector peers, equal inputs | E | 93.8 | 460 |
Each letter is one fifth of the 460 graded peers, about 92 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.
What the Price Implies [top]
Market measures at the 2026-10-09 close. None enters the grade. Percentile among graded peers with the same measure.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | not computable | (0.2%) | missing required 12-1 monthly returns: 2026-08, 2026-07, 2026-06, 2026-05, 2026-04, 2026-03, 2026-02, 2026-01, 2025-12, 2025-11, 2025-10 | |
| Distance from 52-week high | not computable | (25.6%) | need at least 20 price observations; found 0 | |
| EBIT to enterprise value | not computable | 5.0% | required accounting or market input is missing | |
| Free cash flow yield | not computable | 4.6% | required accounting or market input is missing | |
| Book value to price | not computable | 0.45 | required accounting or market input is missing | |
| Sales to price | not computable | 1.49 | required accounting or market input is missing | |
| Composite equity issuance, five years | not computable | (16.0%) | required accounting or market input is missing | |
| Relative strength against the sector, log excess return | not computable | (0.01) | missing required 12-1 monthly returns: 2026-08, 2026-07, 2026-06, 2026-05, 2026-04, 2026-03, 2026-02, 2026-01, 2025-12, 2025-11, 2025-10 |
Inputs: EBIT $838.0M; free cash flow $81.0M; book equity $3.9B; sales $15.5B; debt $6.2B; cash $1.2B[38].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: None of 9, period end 2025-12-31 | ||
|---|---|---|
| Return on assets above zero | 2.0% | ✓ pass[13,15] |
| Operating cash flow above zero | $470.0M | ✓ pass[14] |
| Return on assets improved | 3.8 pts | ✓ pass[13,15,36,39] |
| Operating cash flow exceeds net income | $152.0M | ✓ pass[13-14] |
| Long-term leverage fell | 6.3 pts | ✗ fail[1,15,36,40-41] |
| Current ratio improved | 4.1 pts | ✓ pass[25-26,34-35] |
| No new shares issued | n/a | |
| Gross margin improved | (0.2 pts) | ✗ fail[2-3,16-17] |
| Asset turnover improved | (0.7 pts) | ✗ fail[2,15,17,36] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $1.2B[42] |
| Operating cash flow, four quarters | $225.0M[14,42-46] |
| Months of runway | not finite |
| trailing operating cash flow is nonnegative, so runway is not finite | |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 66 |
| 10-Q received Aug 4, 2026 | |
| Median daily dollar volume | n/a |
| 63 sessions | |
| Days since newest grade input | 240 |
Downloads [top]
|
Sources [top]
Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $16.0B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $15.5B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 3 | gross profit | us-gaap:GrossProfit | $2.4B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 4 | operating income | us-gaap:OperatingIncomeLoss | $838.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 5 | pretax income | us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | $516.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 6 | income tax | us-gaap:IncomeTaxExpenseBenefit | $142.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 7 | total debt | us-gaap:LongTermDebt | $6.2B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 8 | book equity | us-gaap:StockholdersEquity | $2.7B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 9 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $669.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 10 | total debt | us-gaap:LongTermDebt | $6.6B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 11 | book equity | us-gaap:StockholdersEquity | $2.7B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 12 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $1.3B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 13 | net income | us-gaap:NetIncomeLoss | $318.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 14 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $470.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 15 | assets | us-gaap:Assets | $16.3B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 16 | gross profit | us-gaap:GrossProfit | $2.6B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 17 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $16.6B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 18 | gross profit | us-gaap:GrossProfit | $3.2B | 2023-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 19 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $19.5B | 2023-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 20 | gross profit | us-gaap:GrossProfit | $3.1B | 2022-12-31 | 2025-02-13 | 10-K | filing · viewer · series |
| 21 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $19.7B | 2022-12-31 | 2025-02-13 | 10-K | filing · viewer · series |
| 22 | gross profit | us-gaap:GrossProfit | $4.4B | 2021-12-31 | 2024-02-14 | 10-K | filing · viewer · series |
| 23 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $22.0B | 2021-12-31 | 2024-02-14 | 10-K | filing · viewer · series |
| 24 | depreciation amortization | us-gaap:DepreciationDepletionAndAmortization | $338.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 25 | current assets | us-gaap:AssetsCurrent | $4.9B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 26 | current liabilities | us-gaap:LiabilitiesCurrent | $6.5B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 27 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $389.0M | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 28 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $835.0M | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 29 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $451.0M | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 30 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $915.0M | 2023-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 31 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $549.0M | 2023-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 32 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $1.4B | 2022-12-31 | 2025-02-13 | 10-K | filing · viewer · series |
| 33 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $570.0M | 2022-12-31 | 2025-02-13 | 10-K | filing · viewer · series |
| 34 | current assets | us-gaap:AssetsCurrent | $5.2B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 35 | current liabilities | us-gaap:LiabilitiesCurrent | $7.3B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 36 | assets | us-gaap:Assets | $17.3B | 2023-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 37 | assets | us-gaap:Assets | $17.1B | 2022-12-31 | 2025-02-13 | 10-K | filing · viewer · series |
| 38 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 65,199,378 | 2026-07-31 | 2026-08-04 | 10-Q | filing · viewer · series |
| 39 | net income | us-gaap:NetIncomeLoss | -$323.0M | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 40 | long term debt | us-gaap:LongTermDebtNoncurrent | $5.6B | 2025-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 41 | long term debt | us-gaap:LongTermDebtNoncurrent | $4.8B | 2024-12-31 | 2026-02-11 | 10-K | filing · viewer · series |
| 42 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $1.2B | 2026-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
| 43 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$947.0M | 2026-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
| 44 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$827.0M | 2026-03-31 | 2026-05-07 | 10-Q | filing · viewer · series |
| 45 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$669.0M | 2025-09-30 | 2025-10-28 | 10-Q | filing · viewer · series |
| 46 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$702.0M | 2025-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 96.2 is 16.2 points from the nearest band edge; sampling error is 2.3 points.
Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.
Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.
Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.
Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.
Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.
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