KRKroger

1 paragraph in Risk Factors of the 10-K filed Mar 31, 2026 with nothing like it in the 10-K filed Apr 1, 2025. Quoted exactly. Paragraphs that were only edited are under 10-K change.

Compared with the Risk Factors in the latest 10-K of the other 31 Consumer staples companies: a paragraph with at least half its words the same at another company is called similar, and the companies are listed under it. A paragraph most of them have is marked boilerplate. No line means no other company has one like it. This counts text; it does not say how serious a risk is.

The emergence of artificial intelligence-powered agentic shopping tools, in which AI agents autonomously research, compare and purchase products on behalf of consumers could further disrupt traditional grocery retail. If customers increasingly delegate purchasing decisions to AI agents that prioritize price, speed or other factors over retailer preference or brand loyalty, we could become disintermediated from the customer relationship. This could result in reduced visibility into customer behavior, increased margin pressure and a weakened ability to influence purchasing decisions. Our failure to adapt our digital capabilities to address the growth of agentic shopping could have an adverse effect on our business, financial condition, results of operations or cash flows.

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New in the latest 10-Q

9 paragraphs in the 10-Q filed Sep 18, 2026 with nothing like them in the 10-Q filed Jun 26, 2026 (at least half the words must differ; new numbers alone do not count). Quoted exactly, grouped by the item heading above them. This is text that changed, not a judgement of how serious it is.

Financial statements and notes

The Company continuously evaluates contingencies based upon the best available evidence.

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The Company believes that allowances for loss have been provided to the extent necessary and that its assessment of contingencies is reasonable. To the extent that resolution of contingencies results in amounts that vary from the Company’s estimates, future earnings will be charged or credited.

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Insurance - The Company’s workers’ compensation risks are self-insured in most states. In addition, other workers’ compensation risks and certain levels of insured general liability risks are based on retrospective premium plans, deductible plans and self-insured retention plans. The liability for workers’ compensation risks is accounted for on a present value basis. Actual claim settlements and expenses incident thereto may differ from the provisions for loss. Property risks have been underwritten by a subsidiary and are reinsured with unrelated insurance companies for losses exceeding specified retention levels. Operating divisions and subsidiaries have paid premiums, and the insurance subsidiary has provided loss allowances, based upon actuarially determined estimates.

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Pension and Cash Flow Postretirement Hedging Defined Benefit Activities(1) Plans(1) Total(1) Balance at February 1, 2025 $ (35) $ (586) $ (621) Amounts reclassified out of AOCI(2) 5 1 6 Net current-period OCI 5 1 6 Balance at August 16, 2025 $ (30) $ (585) $ (615) Balance at January 31, 2026 $ (24) $ (611) $ (635) OCI before reclassifications(3) 7 — 7 Amounts reclassified out of AOCI(2) 3 7 10 Net current-period OCI 10 7 17 Balance at August 15, 2026 $ (14) $ (604) $ (618)

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On July 1, 2026, we announced that we had entered into an agreement and plan of merger pursuant to which we will acquire Giant Eagle, Inc. (“Giant Eagle”). The transaction is valued at approximately $1.65 billion, subject to customary purchase price adjustments, and consists of $1.25 billion in cash to be paid and approximately $400 million in assumed indebtedness. In connection with obtaining the requisite regulatory clearance necessary to consummate the transaction, Kroger and Giant Eag...

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o An increase in pharmacy receivables at the end of the second quarter of 2026, compared to the fiscal year end of 2025, primarily due to timing of cash receipts and the maximum fair price provision of the Inflation Reduction Act;

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Item 6

EXHIBIT 10.2* Employment Agreement between The Kroger Co. and Emilee De Martino dated May 22, 2026.

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EXHIBIT 10.3* Employment Agreement between The Kroger Co. and Nate Faust dated July 29, 2026.

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EXHIBIT 10.4* Employment Agreement between The Kroger Co. and Mark Ibbotson dated August 24, 2026.

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The 10-Q's risk factors against the 10-K

Item 1A of the 10-Q filed Sep 18, 2026 against Item 1A of the 10-K filed Mar 31, 2026. A 10-Q repeats only the risks that changed, so a 10-K paragraph that is missing from it is not counted as removed. Added is a paragraph with nothing like it in the 10-K, Reworded a sentence that is in both with several words changed, Quiet changes a sentence in both where one to four words changed and one is a hedge or a modal (cut words struck through, new words highlighted and underlined). Text on the page, not a score; each links to the filing at sec.gov.

This 10-Q has no Item 1A (Risk Factors) text of its own, so there is nothing to compare. Many companies leave it out when their risks have not changed.