WDAYWorkday, Inc.
Workday is the enterprise AI platform for managing people, money, and agents. 10-K, Item 1
- Headquarters
- Pleasanton, CA
- CEO
- Aneel Bhusri
- Next results
- around Nov 24, 2026
What the 10-K filed 2026-03-06 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 2025-03-11.
Big customers
Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).
“No customer individually accounted for more than 10% of trade and other receivables, net as of January 31, 2026, or 2025.”
Read it in the 10-K ↗
“No customer individually accounted for more than 10% of total revenues during fiscal 2026, 2025, or 2024.”
Read it in the 10-K ↗
Key suppliers
Parts or manufacturing that depend on one or a few suppliers.
No specific sentence about this in the 10-K.
Lawsuits and legal claims
Pending cases, settlements and what the company has set aside for them.
“In our opinion, as of January 31, 2026, there was not at least a reasonable possibility that we had incurred a material loss, or a material loss in excess of a recorded accrual, with respect to such loss contingencies.”
Read it in the 10-K ↗
Guarantees and indemnities
Promises to pay someone else's debts or losses if they cannot.
No specific sentence about this in the 10-K.
Debt covenants
Conditions in loan agreements that, if broken, can make debt due early.
“The indenture governing the Senior Notes also includes covenants (including certain limited covenants restricting our ability to incur certain liens and enter into certain sale and leaseback transactions), events of default, and other customary provisions.”
Read it in the 10-K ↗
“As of January 31, 2026, we were in compliance with all covenants associated with the Senior Notes.”
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“The financial covenant, based on a quarterly financial test, requires that we do not exceed a maximum leverage ratio of 3.50:1.00, subject to a step-up to 4.50:1.00 at our election for a certain period following an acquisition.”
Read it in the 10-K ↗
“As of January 31, 2026, and 2025, we were in compliance with all covenants included in the 2022 Credit Agreement.”
Read it in the 10-K ↗
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 WDAY 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/WDAY/export.csv") into a cell.