What Toast's FY2025 10-K says: 11 signals
Toast filed its latest 10-K with the SEC on Feb 18, 2026. It discusses supplier concentration, AI investment and compliance burden.
Public (TOST)Restaurants10,000+ employeestoasttab.comLinkedIn
- Filed
- Feb 18, 2026
- Period
- FY2025
- Fiscal year end
- 12/31
- Filings
- 1
10-K · latest 10
What Toast's 10-K filings say
- SEC EDGAR
10-K · FY2025
Filed · Fiscal year ends 12/31 · 11 signals
Toast launches 'Toast IQ', a conversational AI assistant for restaurant operations and insights.
Toast is embedding a conversational AI assistant into its platform to provide actionable business insights from operational data.
AIconversational AI
Toast identifies high churn risk among its core small- and medium-sized business (SMB) customers
The company states that its majority SMB customer base is more difficult and costly to retain and is more vulnerable to economic fluctuations, creating a direct risk to revenue stability and profitability.
SaaScloud-basedAIAndroid
Toast discloses dependency on third-party hardware manufacturers without long-term agreements
The company relies on external partners for its restaurant-grade hardware and key components, and the stated lack of long-term agreements creates significant supply chain and operational risk.
AndroidAmazon Web Services
Toast maintains PCI-DSS Level 1 Service Provider compliance requiring annual independent audits
As a core part of its payment processing operations, Toast must maintain the highest level of PCI compliance, which involves significant ongoing investment in security infrastructure, monitoring, and annual assessments by qualified security organizations.
cloud-basedSaaSAmazon Web Services
Toast expands its platform with an ecosystem of over 200 integrated technology partners via APIs.
Toast is building a comprehensive 'restaurant operating system' by integrating a wide range of third-party solutions through its APIs.
cloudSaaSAPIAndroid
This initiative will require scaling operations and potentially new partnerships to address the needs of different markets and customer types.
Toast targets restaurant industry's 'labor constraints' with team and payroll management tools.
Toast identifies labor constraints and high employee turnover as critical pain points for its restaurant customers.
payrollHR
Growth in financial products like Toast Capital introduces counterparty and credit risk
The company's expansion into financial services, including loans issued via a bank partner, exposes it to counterparty risk with that partner and credit risk from its restaurant customers.
AIdata scienceAmazon Web Services
Toast's growth is driven by restaurants replacing antiquated solutions with omnichannel platforms.
Toast's core business strategy is to capitalize on the restaurant industry's shift from legacy, on-site systems to integrated, omnichannel technology.
omnichannelPOSdigital ordering
Toast's core business relies on third-party payment processors for payment settlement
The company's ability to process and settle payments for its customers is dependent on relationships with external payment processors.
cloud-basedAmazon Web Services
Showing 10 of 11 filing signals. The Signal API returns all of them.
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Track Toast with the Signal API
One POST /v1/companies/enrich call with toasttab.com returns Toast 10-K signals (sec-10k), each with its source. Or ask Claude through MCP.
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curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"toasttab.com","signal_types":["sec-10k"],"limit":20}'Same industry
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Questions about Toast 10-K
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Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .