10-K
Also known as: Form 10-K · annual report · 10K
DEFINITION
The 10-K is the full annual report a US public company files with the SEC each fiscal year. It is far more detailed than a glossy shareholder report — it contains audited financial statements, a description of the business, risk factors, management's discussion of results (MD&A), executive compensation, and disclosures about legal proceedings. Large accelerated filers must submit it within 60 days of fiscal year-end; smaller companies get 75 or 90 days.
WHY IT MATTERS FOR RETAIL INVESTORS
If you only read one filing for a stock you own, read the 10-K. It is the single document where management has to disclose, under oath, what could go wrong (Item 1A — Risk Factors) and how the business actually performed. Annual reports companies mail you are marketing; the 10-K is the regulated version. Skimming MD&A and Risk Factors before earnings season takes 20 minutes and prevents most retail-investor surprises.
How to Read a 10-K: A Retail Investor's Guide →
Read a SEC 10-K filing the way analysts do. We walk through every section — business, risk factors, MD&A, financial statements — with retail-investor angles.
OFFICIAL SEC SOURCE
https://www.sec.gov/answers/form10k.htm ↗RELATED TERMS
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