PTONPeloton Interactive, Inc.
Is it safe?
Elevated bankruptcy risk: a balance sheet under strain, heavy debt (B), and big price swings. Everything else is secondary until this clears.
Elevated financial-distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Reported earnings show no manipulation flags Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).
High fundamental quality Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.
Insiders were net sellers (-$1.0M, 90 days to Oct 8, 2026), selling is often routine.
Highly leveraged, watch solvency. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -98% · now 43% below its 52-week high.
Unless marked, from SEC EDGAR, as of Jun 30, 2025.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can PTON take a bad year?
Peloton Interactive, Inc. carries $123M of net debt at 0.57× EBITDA: a load its earnings can carry.
Net debt · as at Q4 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.57×
Net debt / EBITDA · 9.34× a year ago · the load is coming down
- Altman Z-score
- -1.63
Altman Z-score · distress zone, below 1.8
- Interest cover
- 1.30×
Interest cover · operating profit barely covers the interest bill
Details›
- Total debtQ4 2026
- $1.33B
- Cash and short-term investments
- $1.21B
- Net debt
- $123M
- EBITDA, trailing twelve months
- $218M
- Operating profit, trailing twelve months
- $161M
- Total debt / EBITDA
- 6.10×
- Annualised volatilitytwo years of daily moves
- 73%
- Worst drawdown on file
- −98%
- Below its 52-week high
- 43%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.