Risk factors

Toast (TOST) risk factors

Item 1A of every Toast, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    53 risks2 new2 dropped5 reworded

    AI risk is now framed around inaccurate or impermissibly trained data, legal liability, cybersecurity, and competitive harm.

    Filed Feb 18, 2026
  • FY2024 10-K risk factors
    52 risks

    Payment processing and financial products expose Toast to fraud, counterparty, network-rule, and customer-credit risks.

    Filed Feb 26, 2025