CHPT · CIK 0001777393 · FY2026 live · 2026-01-31

ChargePoint Holdings, Inc.

DistressSEC 10-KClassic ZIndustrials10th percentile in Industrials · 430 names

View as

Model

Classic Z

FY2026

−3.95

Zone

Distress

vs FY2025

−1.01

Market DD

—

1y PD

—

−3.95

Z″ −9.79

−21.83.08+

Score −3.95 · distress below 1.80, grey to 2.99, safe at 3.00 and above.

FY2016Annual 10-K printsFY2026 · −3.95

Classic Z factor contributions

X1 Working capital / assets
Short-term liquidity versus the size of the balance sheet.
0.10
1.2 × = 0.12
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
−2.67
1.4 × = −3.73
X3 EBIT / assets
Operating return on assets. Highest weight in the original model.
−0.27
3.3 × = −0.88
X4 Book equity / liabilities
Book equity versus the liability stack. Mega-caps often look greyer here than they would if X4 used market cap.
0.03
0.6 × = 0.02
X5 Sales / assets
Asset turnover — how much revenue the asset base supports.
0.52
1 × = 0.52

Five-year path

Z plus liquidity (working capital / assets) and earnings (EBIT / assets) over the last 5 annual filings.

Overview

rule-v1

ChargePoint Holdings, Inc. is on classic Z at −3.95 (distress) for FY2026, from an SEC 10-K. Retained earnings / assets is the line that sets the print. Versus FY2025 the live print is still distress (−1.01 from −2.94). No market tape loaded. Classic Z was fit on manufacturers; buybacks can send retained earnings negative at otherwise healthy issuers, and X4 is book equity, not market cap.

Book screen Distress; market PD —. Tape not priced — not a single default call.

MD&A excerpt

The company discusses slower EV-charging network spend by commercial customers, a shift toward a more capital-light software mix, and continued operating losses. Management cites a cost-reduction program and existing cash as covering the current plan. Competition in hardware and longer customer-decision cycles are listed as demand risks.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Classic Z scores · 10th percentile in Industrials.

KPI widgets

Current assets

$462M

Total assets

$792M

Current liabilities

$384M

Total liabilities

$771M

Working capital

$78M

Retained earnings

−$2.1B

EBIT

−$210M

Total sales

$411M

Book equity

$21M

Accession 0001777393-26-000013. Live rank is the latest 10-K on EDGAR (FY2026, period 2026-01-31). Classic Z is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.