MOSMosaic

Materials · Fertilizers · NYSE

The Mosaic Company is the world’s leading producer and marketer of concentrated phosphate and potash crop nutrients. 10-K, Item 1

Employees: 13,249
Headquarters: Tampa, FL
CEO: Bruce M. Bodine
Next results: around Feb 23, 2027

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What the 10-K filed 2026-02-27 says about risks that are not on the face of the balance sheet, from the notes to the financial statements, Legal Proceedings and the MD&A (and, for big customers and key suppliers, Business and Risk Factors). Tickdelta picks sentences with specifics (amounts, accruals, covenant ratios) and quotes them as filed. New marks a sentence with nothing like it in the 10-K filed 2025-03-03.

Big customers

1 new

Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).

“In 2025, we derived approximately 64% of our net sales from customers located outside of the U.S.”
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New “At December 31, 2025 and 2024, one customer accounted for approximately 12% and 11%, respectively, of our trade accounts receivable.”
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Key suppliers

Parts or manufacturing that depend on one or a few suppliers.

“In Brazil, we purchase all our ammonia from a single supplier.”
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Lawsuits and legal claims

Pending cases, settlements and what the company has set aside for them.

“On August 27, 2020, a putative class action complaint was filed in the Circuit Court of the Thirteenth Judicial Circuit in Hillsborough County, Florida against our wholly-owned subsidiary, Mosaic Global Operations Inc., and two unrelated co-defendants.”
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“Plaintiffs seek monetary damages, including punitive damages, injunctive relief requiring remediation of their properties and a medical monitoring program funded by the defendants.”
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“On October 14, 2021, the court substantially granted a motion to dismiss we filed late in 2020, with leave for the plaintiffs to amend their complaint.”
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“On November 3, 2021, plaintiffs filed an amended complaint and in response, Mosaic filed a motion to dismiss that complaint with prejudice on November 15, 2021.”
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“the costs and effects of legal and administrative proceedings and regulatory matters affecting us, including environmental, tax or administrative proceedings, complaints that our operations are adversely impacting nearby farms, businesses, other property uses or properties, settlements thereof and actions taken by courts with respect to approvals of settlements, costs related to defending and resolving global audit, appeal or court activity and other further developments in legal proceedings and regulatory matters;”
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Guarantees and indemnities

Promises to pay someone else's debts or losses if they cannot.

“We regularly assess the likelihood of material adverse judgments or outcomes and the effects of potential indemnification, as well as potential ranges or probability of losses.”
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“On July 27, 2018, we received $21.0 million from the Bonnie Facility Trust by substituting the trust fund for the Bonnie Financial Test supported by a corporate guarantee as allowed by state regulations.”
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“Our maximum potential exposure under our indemnification arrangements can range from a specified dollar amount to an unlimited amount, depending on the nature of the transaction.”
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“We made contributions to these plans, net of indemnification, of $0.3 million and $0.4 million for the years ended December 31, 2025 and 2024, respectively.”
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“We estimate that our maximum potential liability with respect to these matters is approximately $751.9 million, of which $200.1 million is subject to an indemnification agreement entered into with Vale S.A in connection with the acquisition of certain mining assets and facilities.”
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Debt covenants

Conditions in loan agreements that, if broken, can make debt due early.

“The Amended and Restated Mosaic Credit Facility also contains other events of default and covenants that limit various matters.”
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“The indenture governing these notes contains restrictive covenants limiting debt secured by liens, sale and leaseback transactions and mergers, consolidations and sales of substantially all assets, as well as other events of default.”
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“The indenture governing the 2028 Debenture also contains restrictive covenants limiting debt secured by liens, sale and leaseback transactions and mergers, consolidations and sales of substantially all assets, as well as events of default.”
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Commitments off the balance sheet

Contracts the company must pay for later: purchase obligations, take-or-pay deals.

No specific sentence about this in the 10-K.

Sentences are chosen by their words, not read by AI, so some can be off topic. Always check the filing. Open the 10-K ↗

Work on MOS in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/MOS/export.csv") into a cell.