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Whitefield Income Ltd (WHI) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Whitefield Income Ltd A$0.63, price A$1.26, upside -50.0%, quality 80 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · AU · ISIN AU0000360018

WI Thin data Sep 23, 2026

Whitefield Income Ltd

WHI · AU

Quality Too ExpensiveExcellent quality, but the valuation looks stretched.

!Fair value A$0.6300 · Strongly overvalued (−50%)
✓Quality 80/100
!Mixed Growth (revenue YoY +762640.7 %/yr)
✓Highly profitable · 79.9% net margin (TTM)
·5.56% dividend yield
✓Ranks above peers (7/10)
✓Wide moat 66/100
!Evidence only low, so the estimate is less certain
!Weak on past: 22 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$1.43 A$1.11 Fair Value A$0.6300 Dec 2024 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

21‑month range A$1.11 – A$1.43 · fair‑value band A$0.4700 – A$0.7800 · the A$1.26 price screens above the A$0.6300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Whitefield Income Limited operates as an investment company. It focuses on investing in Australian Securities Exchange listed equity securities. Whitefield Income Limited was founded in 1923 and is based in Sydney, Australia.

Stock analysis

Whitefield Income Ltd (WHI) currently trades at A$1.26, while our model-based Fair Value estimate is A$0.6300, implying the stock looks roughly 100.0% overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of A$2.29 per share, and 2 of the 8 models we run sit above the A$1.26 price.

Bear case: the Dividend Discount group reads lowest at A$0.1900, and 6 of the 8 models stay below the price. Evidence for this calculation is low.

Scenario range: A$0.4700 (bear) to A$0.7800 (bull), the price of A$1.26 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 80/100 (high quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Whitefield Income Ltd reported revenue of A$10.3M in FY2025 versus A$0 in FY2023. Reported net income was A$7.8M in FY2025.

Key figures

Market cap A$278M (≈ $195M) · P/S ratio 10.6 · Dividend yield 5.6% · Net margin 76.3% · Return on equity 5.5% · Return on assets (EBIT) −67,498% · Operating margin 88.0% · Revenue (TTM) A$20.0M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at −50%, WHI screens richer than that median.

Fair Value models

Bear A$0.4700 Fair Value A$0.6300 Bull A$0.7800
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income A$0.8300 A$0.7900 A$0.6200 69
P/E Multiple A$0.4700 A$0.6300 A$0.7800 63
Gordon GGM A$0.1200 A$0.2000 A$0.2600 62
All 8 models by family
Earnings-Based
Graham-Dodd A$0.3300 A$2.29 A$3.21 57
Lynch FV A$1.69 A$2.41 A$3.13 55
Dividend Discount
Gordon GGM A$0.1200 A$0.2000 A$0.2600 62
DDM Multi-Stage A$0.1200 A$0.1900 A$0.2200 61
Multiples
P/E Multiple A$0.4700 A$0.6300 A$0.7800 63
P/B Multiple A$0.6100 A$0.8200 A$1.02 55
Asset-Based
NCAV (Graham) A$0.6200 A$0.8300 A$1.24 51
Economic Profit
Residual Income A$0.8300 A$0.7900 A$0.6200 69

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Quality Score breakdown

Overall quality 80/100

Of which business quality 75 · Market factors (momentum, volatility) 46

Profitability 34
Margins and returns on capital today
Quality Growth 75
Are margins and returns improving?
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 83
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 22
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed

WHI screens 100% overvalued. Compare with Blackstone Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 659 stocks

Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 80 · Top 25%
Fair Value upside −50% · Bottom 25%
Profitability
Return on equity (TTM) 6% · Above median
Return on assets 4% · Above median
Net margin (TTM) 80% · Top 25%
Operating margin (TTM) 88% · Top 25%
Growth and dividend
Revenue growth 37% · Top 25%
Dividend yield (TTM) 5.6% · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/B 0.97× · Pricier than median
P/S (TTM) 9.75× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 55
FUTURE (revenue growth)100 · sector 20
PAST (return on equity)22 · sector 22
HEALTH (low debt)0 · sector 95
DIVIDEND (yield)100 · sector 80

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $124.01 $52.88 −57%
Brookfield Corporation BN $37.85 $13.75 −64%
KKR & Co KKR $98.44 $19.97 −80%
Apollo Global Management, Inc APO $124.15 $229.64 +85%
State Street Corporation STT $180.25 $138.33 −23%
Ameriprise Financial, Inc AMP $512.37 $579.51 +13%
Ares Management Corporation ARES $124.72 $119.25 −4%
Northern Trust Corporation NTRS $173.40 $122.02 −30%
Raymond James Financial, Inc RJF $159.39 $312.27 +96%
T. Rowe Price Group TROW $104.17 $208.34 +100%

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Whitefield Income Ltd · Fair Value
A$0.6300 −100%Fair Value
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Cite: Fair Value Calculator (2026). "Whitefield Income Ltd Fair Value". https://www.fairvalue-calculator.com/stock/WHI

Frequently asked questions

Is Whitefield Income Ltd (WHI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.6300 versus a price of A$1.26, about −50% upside (overvalued).
What is the fair value of WHI?
Our model-based fair value for Whitefield Income Ltd is A$0.6300 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$1.26.
What is the quality score of WHI?
Whitefield Income Ltd has a Quality Score of 80/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Whitefield Income Ltd (WHI)?
Our model-based price target is the fair value of A$0.6300 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario A$0.4700, optimistic scenario A$0.7800. It is a calculation from audited fundamentals, not an analyst target.
What is the Whitefield Income Ltd stock forecast for 2026?
Our models put fair value at A$0.6300, about −50% upside versus a price of A$1.26 (overvalued). Cautious scenario A$0.4700, optimistic scenario A$0.7800. The calculation is refreshed regularly with new filings.
What is the revenue of Whitefield Income Ltd (WHI)?
Whitefield Income Ltd reported trailing-twelve-month revenue of about A$20.0M (latest available figure, as of Sep 23, 2026).
Does Whitefield Income Ltd pay a dividend?
Whitefield Income Ltd currently shows a dividend yield of about 5.56% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Whitefield Income Ltd (WHI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Whitefield Income Ltd it is A$0.6300 per share (as of Sep 23, 2026), against a price of A$1.26. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Whitefield Income Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, WHI trades above its calculated fair value: price A$1.26, fair value A$0.6300, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WHI?
No. The price is what the market pays today (A$1.26); the fair value is what the company's own numbers justify (A$0.6300). For Whitefield Income Ltd the two are A$0.6300 per share apart. That gap is exactly why we show both numbers side by side.
How much is Whitefield Income Ltd worth?
The market values Whitefield Income Ltd at about A$278M (market capitalisation, as of Sep 23, 2026). Per share that is A$1.26; our models calculate a fair value of A$0.6300 per share.
What do the bullish and bearish scenarios say about WHI?
Our models span a range for Whitefield Income Ltd: cautious scenario A$0.4700, base A$0.6300, optimistic A$0.7800 per share (as of Sep 23, 2026, price A$1.26). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Whitefield Income Ltd (WHI)?
Balance-sheet figures for Whitefield Income Ltd (as of Sep 23, 2026): return on equity 5.5%. They feed the Quality Score of 80/100, which measures business quality independently of the share price.
How far is WHI from its 52-week high?
Whitefield Income Ltd trades at A$1.26, about 12% below its 52-week high of A$1.43 and 3% above the low of A$1.22 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.6300 is for.
Which stocks are comparable to Whitefield Income Ltd?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Whitefield Income Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$1.26, calculated fair value A$0.6300 (−50%), Quality Score 80/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WHI calculated?
We run Whitefield Income Ltd through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$0.6300, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Whitefield Income Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Whitefield Income Ltd (WHI)?
The closing price on Sep 23, 2026 was A$1.26. Our model-based fair value is A$0.6300, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Whitefield Income Ltd right now?
A high-quality business (quality 80/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (A$0.7800). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Whitefield Income Ltd

How large is the market capitalisation of Whitefield Income Ltd (WHI)?
The market capitalisation of Whitefield Income Ltd is A$278M (≈ $195M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Whitefield Income Ltd (WHI)?
The price-to-sales ratio of Whitefield Income Ltd is 10.6 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Whitefield Income Ltd (WHI)?
The dividend yield of Whitefield Income Ltd is 5.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Whitefield Income Ltd (WHI)?
The net margin of Whitefield Income Ltd is 76.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Whitefield Income Ltd (WHI)?
The return on equity (ROE) of Whitefield Income Ltd is 5.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Whitefield Income Ltd (WHI)?
On an EBIT basis the return on assets of Whitefield Income Ltd is −67,498% (avg 2y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Whitefield Income Ltd (WHI)?
The operating margin of Whitefield Income Ltd is 88.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Whitefield Income Ltd (WHI)?
Revenue at Whitefield Income Ltd is growing +37.3% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Whitefield Income Ltd (WHI)?
Earnings per share at Whitefield Income Ltd are growing −5.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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