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. This necessitates robust systems for risk management, fraud detection, and partner oversight.
Filing excerpt
We are subject to risks associated with certain financial products we offer and our handling of customer funds, including counterparty risk with key partners, the ability of our customers to pay their obligations, and the risk of fraud.
What this signalsFilings often name leadership changes, deals and spending plans.
Technologies
Vendors
sec-10ksupplierConcentrationGet every 10-K signal for Toast and the companies you sell to, in the tools you already use.
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This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.
Company
linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
signal_nameValue in the APIassociationValue in the APIGET /v1/signals/acdbcb96-3fb2-44be-82a3-a8624c4741b6 returns this record as JSON. POST /v1/companies/enrich returns every signal for toasttab.com.
{
"signal_id": "acdbcb96-3fb2-44be-82a3-a8624c4741b6",
"signal_type": "sec-10k",
"signal_subtype": "supplierConcentration",
"detected_at": "2026-02-24T09:29:15.506+00:00",
"company": {
"name": "Toast",
"domain": "toasttab.com"
},
"data": {
"detail": "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. This necessitates robust systems for risk management, fraud detection, and partner oversight.",
"summary": "Growth in financial products like Toast Capital introduces counterparty and credit risk",
"excerpts": "We are subject to risks associated with certain financial products we offer and our handling of customer funds, including counterparty risk with key partners, the ability of our customers to pay their obligations, and the risk of fraud.",
"relevance": 0.75,
"sentiment": "negative",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/1650164/000165016426000057/tost-20251231.htm",
"filing_date": "2026-02-18",
"filing_year": 2026,
"fiscal_year_end": "12/31",
"sales_relevance": "Risk management needed",
"signal_category": "market",
"vendors_mentioned": [
"Amazon Web Services"
],
"technologies_mentioned": [
"AI",
"data science"
]
}
}
curl https://signals.autobound.ai/v1/signals/acdbcb96-3fb2-44be-82a3-a8624c4741b6 \
-H "X-API-KEY: $AUTOBOUND_API_KEY"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","limit":20}'Long text fields are shortened on this page.
Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.