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Washington H Soul Pattinson & Company Ltd (SOL) Fair Value & Analysis

Financial Services · AU · Market cap A$17.5B (≈ $12.6B) · ISIN AU000000SOL3

What is Washington H Soul Pattinson & Company Ltd really worth?

WH Washington H Soul Pattinson & Company Ltd SOL · AU
PriceA$44.22
Fair ValueA$14.62
Upside−66.9%
Quality60/100

A solid business, but trading 202% above our fair value of A$14.62.

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Strengths

Highly profitable · 82.5% net margin
Low debt · generates free cash flow
Ranks above peers (10/15)
Wide moat 79/100

Risks

!Weak Growth (revenue 5y −14.2 %/yr)

For context

·2.42% dividend yield
Evidence: High Range A$10.07 – A$17.84

Fair value as of: Sep 5, 2026

From 11 valuation models · updated today

Share price −3.1% over the past month.

What runs behind every stock

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

What matters now

  • The price sits above even our optimistic bull case (A$17.84). The favourable scenario is already priced in.
  • Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

A$46.92 A$20.24 Fair Value A$14.62 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.

How to read this chart

60‑month range A$20.24 – A$46.92 · fair‑value band A$10.07 – A$17.84 · the A$44.22 price screens above the A$14.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 5, 2026.

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Analysis

Washington H Soul Pattinson & Company Ltd (SOL) currently trades at A$44.22, while our model-based Fair Value estimate is A$14.62, implying the stock looks roughly 202.5% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of A$18.15 per share, and 0 of the 11 models we run sit above the A$44.22 price. Bear case: the Growth DCF group reads lowest at A$4.67, and 11 of the 11 models stay below the price. Evidence for this calculation is high.

Revenue grew 176.2% year over year. It earns a return on equity of 20.7%. Net debt stands at A$771M. The stock trades on a trailing P/E of 6.9. Fundamentals as of Sep 5, 2026

Our scenario range runs from A$10.07 (bear case) to A$17.84 (bull case); at A$44.22, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 29% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −67%, SOL screens richer than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 12 months have passed since. In that time the company retained roughly A$5.35 per share, which is 36.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

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
Highest evidence
Growth DCF best evidence A$6.86 A$9.93 A$14.35 78
Owner Earnings A$10.05 A$15.39 A$23.57 76
Residual Income A$18.38 A$18.15 A$16.21 76
All 11 models by family
DCF Models
Owner Earnings A$10.05 A$15.39 A$23.57 76
5Y P/E Exit A$8.58 A$13.97 A$19.64 70
10Y P/E Exit A$7.86 A$12.34 A$17.88 63
Earnings-Based
Graham-Dodd A$6.52 A$20.56 A$27.39 64
Lynch FV A$4.51 A$6.44 A$8.37 61
Multiples
P/E Multiple A$10.07 A$13.42 A$16.78 63
P/B Multiple A$12.22 A$16.30 A$20.37 55
Asset-Based
NCAV (Graham) A$12.38 A$16.59 A$24.76 54
Growth DCF
Growth DCF best evidence A$6.86 A$9.93 A$14.35 78
Rev-Margin DCF A$3.58 A$4.67 A$5.96 74
Economic Profit
Residual Income A$18.38 A$18.15 A$16.21 76

Widest divergence: Economic Profit (A$18.15) versus Growth DCF (A$4.67). Highest evidence: Growth DCF (78).

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Key figures & financial health

P/E ratio 6.9
P/S ratio 4.09 P/E × margin
EPS (TTM) A$6.42 price ÷ EPS = P/E 6.9
Dividend yield 2.4% payout 16.7%
Net margin 59.4% FY2025
Return on equity 20.7% TTM
More key figures
Profitability
Return on assets (EBIT) 2.3% avg 5y
Operating margin 67.2% TTM
Growth
Revenue growth (YoY) +176% 3y avg −37.9%
EPS growth (YoY) +540%
Balance sheet & cash flow
Free cash flow A$206M FY2025
Net debt A$771M FY2025 · ≈ 3.7 yrs of FCF

Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 60/100

Of which business quality 55 · Market factors (momentum, volatility) 67

Profitability 33
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 68
Earnings quality: real cash, not paper profit
Fin. Strength 67
Balance sheet, leverage, solvency risk
Investment 53
Disciplined investing over empire-building
Low Volatility 93
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 75
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

WHSP Holdings Limited, an investment company, engages in investing various industries and asset classes in Australia. It operates through six segments: Listed Companies, Private Companies, Emerging Companies Portfolio, Real Assets, Credit Portfolio, and Treasury.

Full company description

WHSP Holdings Limited, an investment company, engages in investing various industries and asset classes in Australia. It operates through six segments: Listed Companies, Private Companies, Emerging Companies Portfolio, Real Assets, Credit Portfolio, and Treasury. The company invests in largely uncorrelated listed companies; managed listed equities; unlisted and growing companies; credit related financial instruments; and property development. It also engages in the manufacturing, distribution, and sale of building products. The company was formerly known as WASHINGTON H. SOUL PATTINSON AND COMPANY LIMITED and changed its name to WHSP Holdings Limited in September 2025. WHSP Holdings Limited was founded in 1872 and is headquartered in Sydney, Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Washington H Soul Pattinson & Company Ltd reported revenue of A$613M in FY2025 versus A$1.1B in FY2021, a compound −13.0%/yr. Reported net income was A$364M in FY2025, compounding +7.5%/yr from FY2021.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
A$613M
Latest YoY
+10.0%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−37.9%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−14.2%
Avg. revenue growth/yr (36Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+3.1%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+2.0% (−0.4 + 2.4)
Revenue −13.0%/yr
FY21 A$1.1B
FY22 A$2.6B
FY23 A$363M
FY24 A$558M
FY25 A$613M
Net income +7.5%/yr
FY21 A$273M
FY22 −A$12.9M
FY23 A$691M
FY24 A$499M
FY25 A$364M

SOL screens 202% overvalued. Compare with Morgan Stanley, a financial holding company, →

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Cite: Fair Value Calculator (2026). "Washington H Soul Pattinson & Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/SOL

Peer Group

Capital Markets · 453 stocks

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.

Quality Score 58 · Above median
Fair Value upside −67% · Bottom 25%
Return on equity (TTM) 21% · Top 25%
Return on assets 8% · Top 25%
Net margin (TTM) 82% · Top 25%
Operating margin (TTM) 67% · Top 25%
Revenue growth 176% · Top 25%
Dividend yield (TTM) 2.4% · Above median
Debt / equity 0.00× · Lower than median

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 6.9× · Cheaper than 75% of peers
P/B 1.34× · Pricier than median
P/S (TTM) 4.46× · Pricier than median
P/FCF 61.5× · Pricier than 75% of peers
EV/EBITDA 7.1× · Cheaper than median
PEG 3.55× · Pricier than 75% of peers

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 10
FUTURE100 · sector 91
PAST83 · sector 30
HEALTH100 · sector 94
DIVIDEND48 · sector 38

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

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 Capital Markets stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $214.77 $138.97 −35%
The Goldman Sachs Group GS $1,034 $756.89 −27%
The Charles Schwab Corporation SCHW $110.16 $66.17 −40%
Robinhood Markets, Inc HOOD $104.26 $30.94 −70%
Macquarie Group MQG A$251.87 A$75.58 −70%
CITIC Securities Company 600030 ¥27.93 ¥17.68 −37%
Guotai Haitong Securities Co 601211 ¥17.87 ¥18.62 +4%
East Money Information Co 300059 ¥19.42 ¥4.77 −75%
CSC Financial Co 601066 ¥25.78 ¥14.17 −45%
Huatai Securities Co 601688 ¥19.56 ¥19.26 −2%

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Frequently asked questions

Is Washington H Soul Pattinson & Company Ltd (SOL) overvalued or undervalued?
As of Sep 5, 2026, our model estimates a fair value of A$14.62 versus a price of A$44.22, about −67% upside (overvalued).
What is the fair value of SOL?
Our model-based fair value for Washington H Soul Pattinson & Company Ltd is A$14.62 (as of Sep 5, 2026), built from audited fundamentals. The current price: A$44.22.
What is the quality score of SOL?
Washington H Soul Pattinson & Company Ltd has a Quality Score of 60/100. 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 net profit margin of SOL?
The net profit margin of Washington H Soul Pattinson & Company Ltd is about 82.5%, meaning it keeps roughly 82.5% of revenue as net income. Based on the latest reported figures.
Does Washington H Soul Pattinson & Company Ltd pay a dividend?
Washington H Soul Pattinson & Company Ltd currently shows a dividend yield of about 2.42% relative to its recent price (as of Sep 5, 2026).
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