Whirlpool Corporation (WHR) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, WHR scores 39 out of 100 (letter grade D-), labeled "Roarable Sell — Vulnerable Balance Sheet & Flow." The five pillars are: Fundamental Cash Engine at 5/20 (ROIC 8.7%; FCF yield 4.2%), Whale 13F Flow at 7/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 5/20 (Beta 1.11; sector sensitivity), and Forensic Balance Sheet at 6/20 (Altman Z 1.29; Piotroski F 5/9; Debt/Equity 2.05). The weakest pillars, cash engine and macro fit, point to thin returns relative to capital and meaningful sensitivity to the cycle. The strongest pillar, insider conviction, is the one area where the rating leans constructive. For a prospective investor, the upside case rests on valuation: per the market data, the stock trades at a P/E (TTM) of 6.1 and a forward P/E of 5.7. The downside case rests on balance sheet strain: a Z-Score of 1.29, a Piotroski F-Score of 5/9, and Debt/Equity of 2.05 suggest limited financial cushion if operating conditions weaken. A low multiple paired with a weak balance sheet is a tradeoff that merits close scrutiny rather than a conclusion in either direction.

Whirlpool Corporation is a NYSE-listed issuer in the Consumer Discretionary sector, operating within the Consumer Electronics/Appliances industry, per the profile. The source data does not describe its products, customers, or revenue model beyond this classification. Not available in source data for detailed business description.

Per the SEC financials, revenue declined from $19455.0M in FY 2023 to $15524.0M in FY 2025, and the company reported a net loss of $-323.0M in FY 2024 before returning to net income of $318.0M in FY 2025. Per the market data, gross margin is 15.4%, operating margin 5.4%, and net margin 2%, with ROIC at 8.7%. Per the Roarable RQD rating, the Altman Z-Score is 1.29 and the Piotroski F-Score is 5/9, both in the weak range. Debt/Equity is 2.05, and reported debt of $5583.0M in FY 2025 exceeds reported cash of $669.0M.

Per the recent news section, the company announced third-quarter results, and a related item states the results would be announced October 26th with a conference call on October 27th. Per the news items, the stock hit a 52-week low at 29.78 USD. A Benzinga headline questioned why the stock was falling, and a TradingView item cited a 12-month price target cut to $28.9 implying 5% upside. A Seeking Alpha headline described headwinds as still not easing. Two items carry RED risk-watch flags (the Benzinga and TradingView headlines), while the remaining items are flagged YELLOW as market wire. Per the market data, the stock moved 7.47% on the most recent session. Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals recorded.

Per the Butterfly Supply-Chain Graph, no upstream or downstream dependencies, butterfly links, or proprietary signals are recorded for WHR. Sector and industry classification (Consumer Discretionary; Consumer Electronics/Appliances) is the only available context. Not available in source data for specific upstream/downstream dependencies, sector correlations, or 2nd-order bottlenecks. A prospective investor should treat this gap as a limitation of the analysis rather than as evidence of an absent supply-chain risk.

• What is the company's debt maturity profile, and how much of the $5583.0M in FY 2025 debt is due in the near term relative to the $669.0M in cash?
• What drove the swing from a net loss of $-323.0M in FY 2024 to net income of $318.0M in FY 2025, and is operating income of $838.0M repeatable?
• Why is EPS reported as N/A across all periods when TTM EPS is listed at 4.84?
• What is the FY 2023 cash balance, which is missing from the source data?
• What are the company's primary revenue drivers and customer concentrations, given the source provides no business description detail?