SHWSherwin-Williams

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

No specific sentence about this in the 10-K.

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

“Although we generally have a number of suppliers, in some cases we have limited or single-sources of supply.”

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

New “See Note 10 to the consolidated financial statements in Item 8 for further information concerning the accrual for extended environmental-related activities and a discussion concerning unaccrued future loss contingencies.”

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“In the course of its business, the Company is subject to a variety of actual and potential claims, lawsuits, and other proceedings, including, but not limited to, litigation relating to product liability and warranty, raw materials used in our products, personal injury, environmental (including alleged natural resource damages), intellectual property, commercial, contractual and antitrust claims, that are inherently subject to many uncertainties regarding the possibility of a loss to the Company.”

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“If the Company’s future loss contingency is ultimately determined to be at the unaccrued maximum of the estimated range of possible outcomes for every site for which costs can be reasonably estimated, the Company’s accrual for environmental-related activities would be $87.9 million higher than the minimum accruals at December 31, 2025.”

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“At December 31, 2025, the Company did not have material loss contingency accruals related to unasserted claims.”

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“The NJ DEP seeks to recover natural resource damages, punitive damages and litigation fees and costs, as well as other costs, damages, declaratory relief and penalties pursuant to New Jersey state statutes and common law theories in connection with the alleged discharge of hazardous substances and pollutants at the Company’s Gibbsboro, New Jersey site, a former manufacturing plant and related facilities.”

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

“Standby letters of credit $ 129.8 $129.8”

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

“We are, and expect to remain, in compliance with all financing covenants.”

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“The covenant states the Company’s consolidated leverage ratio is not to exceed 3.75 to 1.00; however, the Company may elect to temporarily increase the leverage ratio to 4.25 to 1.00 for a period of four consecutive fiscal quarters immediately following the consummation of a qualifying acquisition, as defined in the credit agreement dated July 31, 2024.”

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“At December 31, 2025, the Company was in compliance with the covenant and expects to remain in compliance.”

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“The Company was in compliance with all covenants for all years presented.”

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

No specific sentence about this in the 10-K.