Added10-Q 2026-11-03 vs 10-K 2026-02-26
• development and use of AI, including generative AI, in our products and our internal operations;
Risk factors in the latest filings
17 new paragraphs in the 10-K, 10 new in the latest 10-Q
New in the 10-K
Paragraphs with nothing like them in last year's 10-K
17 paragraphs in Risk Factors of the 10-K filed Feb 26, 2026 with nothing like them in the 10-K filed Feb 24, 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 75 Financials 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.
•our recently announced workforce reduction and related reorganization, including the potential for increased reliance on proactive intelligence and artificial intelligence tools;
Read in the 10-K ↗
•obligations and restrictions as a licensed money transmitter and virtual currency business;
Read in the 10-K ↗
Our recently announced workforce reduction and related reorganization, including the potential for increased reliance on proactive intelligence and artificial intelligence tools, may not achieve their intended benefits and could adversely affect our business, financial condition and results of operations.
In February 2026 we announced a workforce reduction restructuring plan designed to better align our organizational structure with our operating model and strategic priorities. As part of this plan, we expect an increased reliance on automation, proactive intelligence capabilities and AI tools that we believe will enhance productivity and maintain operational efficiency. In addition, these actions will result in severance and other restructuring charges, and may require additional investments in technology and systems. We may not realize the expected cost savings, operating efficiencies or other anticipated benefits of these initiatives within the anticipated timeframe, or at all.
The workforce reduction and reorganization may disrupt our operations and adversely affect employee morale and productivity. The departure of employees, including experienced personnel, may result in the loss of institutional knowledge and expertise, and remaining employees may experience increased workloads, which could lead to increased error rates, reduced innovation and attrition of key talent. Our ability to successfully operate with a reduced workforce is expected to depend in part on the effectiveness, reliability and adoption of our proactive intelligence and AI tools. These technologies may not perform as expected, may require more time or expense to implement effectively, may introduce operational or cybersecurity risks, or may fail to enhance productivity and maintain operational efficiency as expected. These actions could increase the risk of operational disruptions, service interruptions, control failures or other significant events, particularly during transition periods, as responsibilities are reassigned and processes are adjusted. We expect to continue to invest in employees we wish to retain and attract, including through increased compensation. In addition, evolving regulatory requirements and public scrutiny relating to AI technologies could increase compliance costs or limit our ability to deploy such tools as intended.
We may also incur additional costs not currently contemplated, including costs related to technology implementation, operational disruptions, employee claims, regulatory compliance, or other matters arising from the workforce reduction and reorganization. We may also suffer indirect harm to our business as a result of reputational harm or concerns our customers have regarding the use of AI. Any failure to successfully implement these actions, or any unintended consequences resulting from them, could result in delays in product development or strategic initiatives and could materially and adversely affect our business, financial condition and results of operations.
In addition, any reassignment of responsibilities, together with potential increased reliance on automation and AI tools to support certain legal, regulatory compliance and risk management functions, may limit our capacity and introduce additional oversight risks. If such tools do not perform as anticipated or are not effectively implemented and monitored, our ability to maintain effective governance, compliance, and risk processes during and after the transition could be impaired, which could increase the risk of regulatory inquiries, investigations, litigation, enforcement actions, control deficiencies and penalties.
Read in the 10-K ↗
The development and use of AI in our products may result in reputational and competitive harm and could adversely impact our business.
We have incorporated and expect to continue to incorporate AI technologies, including generative AI and AI agents, into our products and technologies. Our use of AI depends on third-party large language models that we do not control, and these models may generate inaccurate, biased, or unexpected outputs that conflict with our business objectives or brand standards.
Consumer and societal attitudes toward AI are evolving and there is a risk that customers, regulators or the public may perceive AI technologies negatively. Concerns about automation, privacy, security, bias, transparency, flawed datasets, or other ethical considerations could reduce trust in our products and services or deter customer adoption of AI-enabled features in our products or services. Our customers and sellers may become increasingly reliant on AI outputs in our products and services when making financial or operational decisions. AI-enabled features in our products may generate outputs that could be interpreted as regulated advice, even if unintended or automated. If such AI outputs are, or are perceived to be, inaccurate, biased, flawed, or otherwise determined as providing regulated advice without appropriate authorization, we could face reputational harm, regulatory scrutiny, enforcement actions or liability claims, any of which could materially and adversely affect our business, financial condition, and results of operations.
Similar paragraph at 1 of 75 other Financials companies: COINOur ability to develop and deploy AI features depends on the availability and pricing of third-party AI models, tools, and technical infrastructure, and increases in such costs or constraints on availability could adversely affect our ability to scale and our business. Further, evolving and inconsistent legal frameworks governing AI across different jurisdictions, such as the EU AI Act, other international regimes, and emerging U.S. state regulations may create conflicting compliance obligations, all of which may impose additional costs on us, increase our risk of liability and fines, and may require us to modify, limit, or withdraw certain AI-enabled products or services in particular markets, and adversely affect our ability to scale globally.
Our AI initiatives may not improve efficiency, performance, or profitability as expected, and may underperform or fail entirely due to technological limitations, regulatory requirements, or other factors. If our investments in AI do not produce expected benefits, our operating results and long-term growth could be materially and adversely affected.
Read in the 10-K ↗
Revenue generated by our loan products such as Square Loans, as well as Cash App Borrow, and our BNPL products depends on our ability to recoup the loan amount and to effectively manage risk. Square Loans is our commercial lending program. Cash App Borrow is a consumer credit product, allowing our Cash App customers access to short-term loans for a fee. Our BNPL products facilitate commerce between retail merchants and consumers by allowing retail merchant clients to offer their customers the ability to buy goods and services on a BNPL basis. Our loan products are generally unsecured obligations of our borrowers. To the extent a seller breaches a contractual obligation, such as the requirement to make minimum payments or other breach, the seller would be liable for an accelerated business loan repayment, and our recourse is generally to the business and not to any individual or other asset. Although we rely on technology to assess repayment capability for our loan products, there can be no guarantee that such assessment processes will accurately predict repayments. If our underwriting processes fail to adequately capture risks or otherwise miscalculate repayment ability, we may experience higher levels of delinquencies, default and credit losses. As we expand into new products, customer segments, and geographies, including offering existing products to borrowers on different repayment terms or expanding product eligibility, or as inflation, economic downturns, or market volatility increases repayment failures, our ability to appropriately evaluate and manage credit risk may be further challenged, and we may experience higher levels of delinquencies or defaults than we have historically experienced, which could negatively impact our business, results of operations, and financial condition.
Read in the 10-K ↗
Show the other 3
In addition, because the servicing fees we receive from third-party investors and lenders depend on the repayment of the loans, if there is an increase in sellers and customers who utilize our loan products who are unable to repay their loans, we will be unable to collect our entire servicing fee for such delinquent loans, which could negatively impact our business.
Read in the 10-K ↗
Our technologies or features may be licensed under commercial, non-commercial, or open-source terms to third parties for use in their own products and services. Despite implementing technical safeguards and contractual restrictions, we have limited visibility into how such technologies or features are used, and any misuse for harmful, illegal, or competitive purposes could expose us to reputational, financial, or legal harm.
Read in the 10-K ↗
We are subject to the periodic examination of our domestic and foreign tax returns by the Internal Revenue Service, and state, local, and foreign tax authorities, some of whom are challenging our tax positions. We regularly assess the likelihood of adverse outcomes from these examinations in determining the adequacy of our provision for income taxes and other tax liabilities. We consider many factors when evaluating and estimating our tax positions and tax benefits, which may require periodic adjustments and may not accurately forecast actual tax audit outcomes. If the ultimate determination of income and other tax liabilities differ from the amounts recorded or accrued, our business, financial condition or results of operations may be adversely impacted.
Tax laws are routinely re-examined and evaluated globally. New laws and interpretations of such laws are taken into account to the extent they are applicable to us. Tax authorities are increasingly scrutinizing the tax positions of companies and we have tax audits pending in several jurisdictions. The U.S. federal and state governments, countries in the European Union, as well as a number of other countries and organizations such as the Organization for Economic Cooperation and Development (“OECD”), are actively considering changes to existing tax laws that, if enacted, could increase our tax obligations in jurisdictions where we do business, including a 15% global minimum tax (Pillar Two) that has been implemented by several countries and is being considered for implementation by other jurisdictions. On January 5, 2026, the OECD announced a “side-by-side” elective safe harbor that exempts U.S.-parented multinational entities from some of the Pillar Two rules (including the fifteen percent global minimum tax) for fiscal years beginning on or after January 1, 2026. If U.S. or other tax authorities change applicable tax laws or successfully challenge how or where our profits are currently recognized, our overall taxes could increase, and our business, financial condition or results of operations may be adversely impacted.
Read in the 10-K ↗
New in the latest 10-Q
Paragraphs in the 10-Q filed Nov 3, 2026 that were not in the one before
10 paragraphs in the 10-Q filed Nov 3, 2026 with nothing like them in the 10-Q filed Aug 5, 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
(i) Beginning in the third quarter of 2026, Square Financial Services began issuing brokered certificates of deposit through third-party broker-dealers acting as placement agents. Brokered certificates of deposit are issued at par, bear interest at fixed rates with interest and principal payable at maturity, and had contractual maturities of twelve months or less at issuance. As of September 30, 2026, brokered certificates of deposit outstanding at par were $ 381.4 million, with a weighted average interest rate of 4.09 %. Interest expense on brokered certificates of deposit is included within financial solutions cost of revenue on the condensed consolidated statements of operations. Fees paid to broker-dealers in connection with the issuances are deferred within other current assets on the condensed consolidated balance sheets and amortized to financial solutions cost of revenue on the condensed consolidated statements of operations over the contractual term of the related brokered certificates of deposit.
Read in the 10-Q ↗
As of the maturity date on May 1, 2026, no principal amount of the 2026 Convertible Notes had been converted and the Company paid $ 575.0 million in cash to repay the outstanding principal balance. There were no 2026 Convertible Note Hedges exercised, and no shares of the Company's Class A common stock were received. The 2026 Convertible Note Hedges expired upon maturity of the 2026 Convertible Notes.
Read in the 10-Q ↗
In conjunction with the 2026 Convertible Notes offering, the Company sold the 2026 Warrants whereby the counterparties had the option to purchase a total of approximately 1.9 million shares of the Company's Class A common stock at a price of $ 368.16 per share. The 2026 Warrants expired evenly over a 60 trading day period starting on August 3, 2026 and ending on October 26, 2026. None of the warrants were exercised as of September 30, 2026, or through the final expiration date.
Read in the 10-Q ↗
In March 2026, the DOJ presented the Company with potential terms for resolving its inquiry. In October 2026, the Company and the DOJ reached an agreement in principle to resolve the matter pursuant to a deferred prosecution agreement ("DPA"), under which the DOJ will defer, for a period of three years, a charge that the Company failed to maintain an effective anti-money laundering program in violation of the Bank Secrecy Act. If the Company fully complies with the obligations to be set forth in the DPA during its three-year term, the DOJ will move to dismiss with prejudice the deferred charges under the agreement. The DPA is expected to set forth a gross monetary component of approximately $ 964 million and require a net monetary payment of approximately $ 764 million based on credit for prior regulatory resolutions.
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The resolution remains subject to reaching a final agreement satisfactory to all parties and court approval. The Company has accrued $ 764 million for this matter as of September 30, 2026.
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Show the other 5
Beginning in the third quarter of 2026, Square Financial Services began issuing brokered certificates of deposit through third-party broker-dealers as a supplementary source of funding for its lending and other interest-earning activities. As of September 30, 2026, $381.4 million par value of brokered certificates of deposit were outstanding, all with contractual maturities of twelve months or less and a weighted average interest rate of 4.09%. Principal and interest on the certificates are payable at maturity, and the Company expects to repay or refinance maturing certificates through new issuances, Square Financial Services deposit growth, and other available liquidity. Square Financial Services' ability to accept, renew, or roll over brokered certificates of deposit is conditioned on maintaining its well-capitalized status under FDIC regulations.
Read in the 10-Q ↗
Risk Factors
Square Financial Services issues brokered certificates of deposit as a supplementary source of funding for its lending and other interest-earning activities. The availability and cost of this funding are sensitive to interest rates and market conditions, and Square Financial Services may be unable to replace maturing brokered certificates of deposit on favorable terms or at all. If Square Financial Services were to cease to be well capitalized under FDIC regulations, its ability to accept, renew, or roll over brokered deposits could be restricted or prohibited. Any reduction in the availability of, or increase in the cost of, this funding could adversely affect Square Financial Services’ liquidity, increase funding costs, constrain lending activities, and adversely affect our business and results of operations.
Read in the 10-Q ↗
Certain state and local tax authorities have challenged, and may continue to challenge, our treatment of bitcoin sale proceeds, business activity classifications, and apportionment methodologies under gross receipts and other tax regimes. We have paid certain assessments under protest and are pursuing administrative and judicial remedies. An adverse resolution could result in additional tax, penalties and interest for prior or future periods, impairment of related deposit assets, higher ongoing tax obligations, and material charges in a particular reporting period.
Read in the 10-Q ↗
Tax laws are routinely re-examined and evaluated globally. New laws and interpretations of such laws are taken into account to the extent they are applicable to us. Tax authorities are increasingly scrutinizing the tax positions of companies and we have tax audits pending in several jurisdictions.
Read in the 10-Q ↗
We expect to enter into a deferred prosecution agreement ("DPA") with the DOJ. The DPA would require us to make a monetary payment and is expected to last for three years. Any breach of the DPA, could subject us to prosecution on the deferred charge, or additional penalties. Refer to Note 16, Commitments and Contingencies within Notes to the Consolidated Financial Statements for further details on regulatory and litigation matters.
Read in the 10-Q ↗
10-Q against the 10-K
The 10-Q's risk factors against the 10-K
Item 1A of the 10-Q filed Nov 3, 2026 against Item 1A of the 10-K filed Feb 26, 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.
What the 10-Q itself says about its risk factors:
Read in the 10-Q ↗
The following description of risk factors includes any material changes to, and supersedes the description of, risk factors associated with the Company’s business previously disclosed in Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025 under the heading “Risk Factors.”
Added10-Q 2026-11-03 vs 10-K 2026-02-26
Rapid deployment of AI technologies can increase operational, legal, and reputational risks. AI systems can fail, behave unexpectedly, or generate inaccurate or incomplete outputs due to insufficient testing, ineffective design, inadequate controls or other factors. Such failures can disrupt our operations, negatively affect customers or sellers, or otherwise adversely affect our business. As AI agents become increasingly capable of facilitating decisions or taking action on behalf of customers or sellers, errors, unintended actions or inappropriate recommendations generated by such systems can increase our operational, legal, or reputational risks.
Added10-Q 2026-11-03 vs 10-K 2026-02-26
• the transaction may not advance our business strategy or may harm our growth, profitability, or reputation; • we may not be able to secure required regulatory approvals or otherwise satisfy closing conditions for a proposed transaction in a timely manner, or at all; • the transaction may subject us to additional regulatory burdens that affect our business in potentially unanticipated and significantly negative ways; • we may not realize a satisfactory return on our investment or increase our revenue; • we may experience difficulty, and may not be successful in, integrating technologies, IT or business enterprise systems, culture, or management or other personnel of the acquired business; • we may incur significant acquisition costs and transition costs, including in connection with the assumption of ongoing expenses of the acquired business; • we may not realize the expected benefits or synergies from the transaction in the expected time period, or at all, which may result in impairment charges, costs of winding down acquired operations or other negative impacts to our business; • we may be unable to retain key personnel; • acquired businesses or businesses that we invest in may not have adequate controls, processes, and procedures to ensure compliance with laws and regulations, including with respect to data privacy, data protection, and cybersecurity, and our due diligence process may not identify compliance issues or other liabilities. Moreover, acquired businesses’ technology stacks may add complexity, resource constraints, and legacy technological challenges that make it difficult and time consuming to achieve such adequate controls, processes, and procedures; • we may fail to identify or assess the magnitude of certain liabilities, shortcomings, or other circumstances prior to acquiring or investing in a business, which could result in additional financial, legal, regulatory, or tax exposure and may subject us to additional controls, policies, procedures, liabilities, litigation, costs of compliance or remediation, or other adverse effects on our business, operating results, or financial condition; • we may have difficulty entering into new market segments or new geographic territories; • we may be unable to retain the customers, vendors, and partners of acquired businesses; • there may be lawsuits or regulatory actions resulting from the transaction; • there may be risks associated with undetected security weaknesses, cyber-attacks, or security breaches or incidents at companies that we acquire or with which we may combine or partner; • there may be local and foreign regulations applicable to the international activities of our business and the businesses we acquire; and • acquisitions could result in dilutive issuances of equity securities or the incurrence of additional debt. We have experienced certain of these risks in connection with our past acquisitions, and any of the foregoing could harm our business and negatively impact our results of operations.
Added10-Q 2026-11-03 vs 10-K 2026-02-26
Square Financial Services issues brokered certificates of deposit as a supplementary source of funding for its lending and other interest-earning activities. The availability and cost of this funding are sensitive to interest rates and market conditions, and Square Financial Services may be unable to replace maturing brokered certificates of deposit on favorable terms or at all. If Square Financial Services were to cease to be well capitalized under FDIC regulations, its ability to accept, renew, or roll over brokered deposits could be restricted or prohibited. Any reduction in the availability of, or increase in the cost of, this funding could adversely affect Square Financial Services’ liquidity, increase funding costs, constrain lending activities, and adversely affect our business and results of operations.
Added10-Q 2026-11-03 vs 10-K 2026-02-26
Certain state and local tax authorities have challenged, and may continue to challenge, our treatment of bitcoin sale proceeds, business activity classifications, and apportionment methodologies under gross receipts and other tax regimes. We have paid certain assessments under protest and are pursuing administrative and judicial remedies. An adverse resolution could result in additional tax, penalties and interest for prior or future periods, impairment of related deposit assets, higher ongoing tax obligations, and material charges in a particular reporting period.
Show the other 15
Added10-Q 2026-11-03 vs 10-K 2026-02-26
Tax laws are routinely re-examined and evaluated globally. New laws and interpretations of such laws are taken into account to the extent they are applicable to us. Tax authorities are increasingly scrutinizing the tax positions of companies and we have tax audits pending in several jurisdictions.
Added10-Q 2026-11-03 vs 10-K 2026-02-26
We expect to enter into a deferred prosecution agreement ("DPA") with the DOJ. The DPA would require us to make a monetary payment and is expected to last for three years. Any breach of the DPA, could subject us to prosecution on the deferred charge, or additional penalties. Refer to Note 16, Commitments and Contingencies within Notes to the Consolidated Financial Statements for further details on regulatory and litigation matters.
Added10-Q 2026-11-03 vs 10-K 2026-02-26
• sales of shares of our common stock by us or our stockholders; • issuance of shares of our Class A common stock, whether in connection with an acquisition or upon conversion of some or all of our outstanding Convertible Notes; • short selling of our Class A common stock or related derivative securities; • from time to time we make investments in equity that is, or may become, publicly held, and we may experience volatility due to changes in the market prices of such equity investments; • fluctuations in the price of bitcoin; • reports by securities or industry analysts, media or other third parties, that are interpreted either negatively or positively by investors, failure of securities analysts to maintain coverage and/or to provide accurate consensus results of us, changes in financial estimates by securities analysts who follow us, or our failure to meet these estimates or the expectations of investors; • the financial or other projections we may provide to the public, any changes in those projections, or our failure to meet those projections; • announcements by us or our competitors of new products or services; • rumors and market speculation involving us or other companies in our industry; • actual or perceived security incidents that we or our service providers may suffer; and • actual or anticipated developments in our business, our competitors’ businesses, or the competitive landscape generally. In addition, in the past, following periods of volatility in the overall market and the market price of a particular company’s securities, securities class action litigation has often been instituted against these companies. Such litigation could result in substantial costs and a diversion of our management’s attention and resources. Our Class A common stock is listed to trade on more than one stock exchange, and this may result in price variations between the exchanges. Our Class A common stock is listed for trade on the NYSE and as CDIs on the ASX. Dual-listing may result in price variations between the exchanges due to a number of factors. Our Class A common stock is traded in U.S. dollars on the NYSE and our CDIs are traded in Australian Dollars on the ASX. The two exchanges also have differing vacation schedules. Differences in the trading schedules, as well as volatility in the exchange rate of the two currencies, among other factors, may result in different trading prices for our Class A common stock on the two exchanges. The convertible note hedge and warrant transactions may affect the value of our Class A common stock. In connection with the issuance of our Convertible Notes, we entered into convertible note hedge transactions with the option counterparties. We also entered into warrant transactions with the option counterparties pursuant to which we sold warrants for the purchase of our Class A common stock. The convertible note hedge transactions are expected generally to offset the potential dilution to our Class A common stock upon any conversion of the Convertible Notes and/or reduce any cash payments we are required to make in excess of the principal amount of converted Convertible Notes, as the case may be. The warrant transactions would separately have a dilutive effect to the extent that the market price per share of our Class A common stock exceeds the strike price of any warrants unless, subject to the terms of the warrant transactions, we elect to cash settle the warrants.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
These technologies may do not always perform as expected, may require more significant time or and expense to implement effectively, may and maintain effectively and as they continue to evolve, can introduce operational or cybersecurity risks, and have not in all cases enhanced productivity or may fail to enhance productivity and maintain maintained operational efficiency as expected. expected and may not do so in the future.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
As we expand into new products, customer segments, and geographies, including offering existing products to borrowers on different repayment terms or expanding product eligibility, or as inflation, economic downturns, or market volatility increases repayment failures, a result, our ability to appropriately evaluate and manage credit risk may be further challenged, and we may experience higher levels of delinquencies or defaults than we have historically experienced, which could negatively impact our business, results of operations, and financial condition.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
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Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
As of December 31, 2025, September 30, 2026, we had $575.0 million outstanding aggregate principal amount of 2026 Convertible Notes, $575.0 million outstanding aggregate principal amount of 2027 Convertible Notes, $1.0 billion outstanding aggregate principal amount of 2026 Senior Notes, $1.2 billion outstanding aggregate principal amount of 2030 Senior Notes, $1.0 billion outstanding aggregate principal amount of 2031 Senior Notes, $2.0 billion outstanding aggregate principal amount of 2032 Senior Notes, and $1.0 billion outstanding aggregate principal amount of 2033 Senior Notes.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
Our bylaws provide that (1) the Delaware Court of Chancery or another state court or federal court located within the State of Delaware will be the exclusive forum for substantially all disputes between us and our stockholders and (2) the federal district courts of the U.S. will be the exclusive forum for all causes of action arising under the Securities Act, stockholders, which could limit our stockholders’ ability to choose the judicial forum for disputes with us or our directors, officers, or employees.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
Prior to February 1, 2026, in the case of the 2026 Convertible Notes, and August 1, 2027, in the case of the 2027 Convertible Notes, the applicable Convertible Notes are convertible at the option of the holders only under certain conditions or upon the occurrence of certain events.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
For example, following the publication of a short seller report in March 2023, we received inquiries from the SEC and DOJ DOJ, and while the SEC staff notified us that it concluded its investigation, we continue to cooperate in such matters. engage with the DOJ.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
Refer to the risk factor titled “Our recently announced workforce reduction reductions and related reorganization, reorganizations, including changes to our operating model and the potential for increased reliance on proactive intelligence and artificial intelligence AI tools, may not achieve their intended benefits and could adversely affect our business, financial condition and results of operations.” for additional risks related to our recently announced workforce reduction. reductions.
Reworded10-Q 2026-11-03 vs 10-K 2026-02-26
The first 20 of 59 are shown (at most 12 of each type).