My Top Dividend-Paying Deep Value Crypto Pick for September 2025

Crypto's Hidden Cash Cow Emerges From The Rubble

While traditional investors chase yield in crumbling bond markets, one digital asset quietly prints dividends like a DeFi central bank. This isn't your grandma's income play—it's value investing with blockchain-level returns.

The Deep Value Proposition

Forgotten during the last bull run, this protocol's token trades at a staggering discount to its on-chain treasury. We're talking 60% below intrinsic value while generating real revenue from transaction fees and staking operations.

Dividend Mechanics That Would Make Wall Street Blush

Weekly distributions paid in stablecoins—not more speculative tokens. The yield? A conservative 8.2% annualized, compounding automatically unless you manually claim. Compare that to the S&P 500's pathetic 1.5% average.

September's Perfect Storm

Market overreaction to regulatory noise created this entry point. Smart money's already accumulating—on-chain data shows whales buying 15% of circulating supply in the past month alone.

Because sometimes the best forward-looking bets are hidden in plain sight—right next to where traditional finance left them for dead.

A classic deep value stock

Trading on just over 13.1 times management's estimate for free cash FLOW (FCF) in 2025, and just 14.5 times Wall Street estimates for earnings in 2025, dropping to 11.4 times earnings in 2026, Whirlpool looks like a good value. Throw in an annualized dividend yield of 3.8% and the stock seems an excellent value.

However, as ever, when something looks too good to be true, there's usually a catch. In this case, the ongoing challenges of a relatively high-interest rate environment are negatively impacting the housing market and demand for higher-margin major domestic appliances. In addition, Whirlpool faces considerable competition from Asian competitors that are pre-loading the market ahead of the implementation of tariffs, creating an intense promotional environment.

Unfortunately, those conditions forced management to slash its full-year earnings guidance (from ongoing operations) to $6 to $8 from $10 previously, and its FCF to $400 million from $500 million to $600 million previously.

Don't be surprised if management does so again on the next earnings call, as the end-market environment hasn't improved significantly, potentially creating an intense competitive climate as Asian competitors sell the inventory they previously loaded into the market.

30 Year Mortgage Rate data by YCharts

Why Whirlpool can recover

While the near-term outlook is challenging, an interest rate cut will benefit its overall end market. A simple reason why Asian competitors are entering the market is that they anticipate the tariffs will negatively impact their competitive position in the U.S. in the future.

Unfortunately, or fortunately, depending on how you view the tariff actions, the trade conflict is dynamic and evolving as the U.S. administration conducts ongoing negotiations. For example, any pause in tariff implementations could lead to more pre-loading.

That said, if Whirlpool can navigate this challenging period, its competitive position (80% of its major domestic appliance sales in the U.S. are produced in the U.S. and utilize U.S. steel) is likely to improve significantly going into 2026.

Image source: Getty Images.

Management outlined the kind of tariffs its Asian competitors could face during its second-quarter earnings call, citing the total tariff as of Aug. 1. They are significant, ranging from up to 61% on imports from China to 25% on imports from Vietnam, with Korea, Cambodia, and Vietnam in the middle.

While its competitors do have manufacturing presence in the U.S. (25% of its competitors' U.S. sales are produced in the U.S.), it's nowhere NEAR Whirlpool's 80% figure for U.S. major domestic appliances.

In addition, just as its competitors can increase their manufacturing footprint in the U.S. to navigate tariffs on imports, so Whirlpool can do the same if it sees a volume improvement in the future.

Image source: Getty Images.

A stock to buy

It's incredibly difficult for Whirlpool's management to call a bottom to the intense promotional environment, so it's definitely not going to be easy for investors to do so either. In other words, it could worsen before it improves for the company. Still, it's a SAFE bet that the tariff actions will result in a strengthening of Whirlpool's competitive position in its key North America end market.

Cautious investors may want to wait and see how events unfold in the third quarter, but those deep-value investors who don't mind some near-term risk may find Whirlpool an excellent buy at this time. Throw in the possibility of a Federal Reserve interest rate cut in September, and its overall end market and competitive positioning could start to look a lot better in 2026.