Sixty-Eight Percent From ThreeThin moat

Bloom Energy (BE) — moat facet

One delayed acceptance at one project moves a quarter — there is no averaging effect at this concentration.

Three customers accounted for approximately 43%, 13% and 12% of Bloom's total revenue in 2025 — roughly two-thirds of the company — and the same three represented about 41%, 17% and 15% of accounts receivable1. By June 2026 the three largest receivables were about 36%, 34% and 17%, the third of them the related party.2 Bloom notes it has not experienced material credit losses from these customers to date.

Concentration: revenue vs receivables (%)~68%Top 3 revenue~73%Top 3 receivablesNo material credit losses to date. Receivables and contract assets rose $69.3M on billing timing.
At this concentration there is no averaging effect — one delayed acceptance moves a quarter.

The concentration has been rising. The top three were 23%, 16% and 14% in 2024, and in 2023 just two customers were 37% and 26%. Each year's disclosure shows a business whose revenue depends on a handful of decisions made by a handful of parties — which is what selling multi-megawatt capital equipment looks like, and which produces the lumpy, hard-to-forecast results the valuation threat describes.

The balance-sheet consequence is visible in the working capital. Receivables and contract assets rose $69.3 million on the timing of milestone billings and customer acceptance, particularly for several large late-year deployments. A small number of large projects determines both the revenue and the cash conversion.

Watch the top-three percentage annually alongside receivable days. A company this concentrated has no averaging effect: one delayed acceptance at one project moves a quarter, which is why Bloom's results swing as violently as they do.

Moat trajectory: Narrowing

Three customers at 43%, 13% and 12% of revenue and 41%, 17% and 15% of receivables, against a top three of 23%/16%/14% a year earlier. No credit losses to date, and no averaging effect either: one delayed customer acceptance moves a quarter, which is exactly what produced the working-capital swing in 2025.

The number that tests this moat
Reported
Top three share of accounts receivable
~41%, 17% and 15%

More concentrated than the revenue, against 28%, 28% and 20% a year earlier, with no material credit losses to date. Receivables and contract assets rose $69.3M on milestone billing and acceptance timing for several large late-year deployments. Watch the top-three percentage alongside receivable days.

Source: Bloom Energy Form 10-K, FY2025 (concentration of risk) ↗
References
  1. ReportedThree customers were ~43%, 13% and 12% of revenue and ~41%, 17% and 15% of receivables, against a top three of 23%, 16% and 14% a year earlier; no material credit losses to date; receivables and contract assets rose $69.3M on milestone billing and acceptance timing.
    Bloom Energy Form 10-K, FY2025 (Concentration of Risk — Customer Risk) — during the year ended December 31, 2025, revenue from three customers and distributors, the first of which is a related party, accounted for approximately 43%, 13% and 12% of total revenue; the same three represented approximately 41%, 17% and 15% of accounts receivable, against 28%, 28% and 20% a year earlier, with no material credit losses experienced to date; during 2024 three customers, the first a related party, represented approximately 23%, 16% and 14% of total revenue, and during 2023 two customers, the first a related party, accounted for approximately 37% and 26%; for concentration purposes a 'customer' is the contractual counterparty to which Bloom sells and fulfils installation, frequently a financier or strategic partner that owns the Energy Server and uses it to produce power for an end customer; direct purchase including third-party PPAs and international channels was 98% of revenue in 2025 against 95% in 2024, with managed services 2% and 5%; accounts receivable and contract assets rose $69.3 million on the timing of milestone billings and customer acceptance, particularly for several large late-year deployments — FY2025 (ended December 31, 2025) · publ. February 9, 2026 · source ↗
  2. ReportedBy June 2026 the three largest receivables were about 36%, 34% and 17%, the third of them the related party.
    Bloom Energy Form 10-Q for the quarter ended 30 June 2026 — revenue by category; customer concentration (H1 2026: one customer, not a related party, ~73% of revenue; Q2 2026: 44% and 21%, the second a related party); receivables 36%/34%/17%; unsatisfied performance obligations $442.4M product and installation plus $51.7M service; U.S. 90% of revenue; performance-guarantee cap ~$846.1M; 294,527,346 shares at 22 July 2026 — Q2 2026 · publ. 2026-07-28 · source ↗
Sources
Generated September 23, 2026