Risk Sleuth
PBI · 10-K filed 19 Feb 2026 · year to 31 Dec 2025

Pitney Bowes

19 named things its latest annual report says its results depend on, each in the company's own words. 14 of them are also named by other companies we've read.

Suppliers

Third-party transportation providers

depends onnamed as a risk
In addition to our reliance on the USPS, Presort Services relies upon third party transportation service providers to transport a significant portion of our mail volumes.Risk factors (Item 1A)

Also named by FIVE, RH

Staffing agencies (contingent labor)

depends onnamed as a risk
We supplement our workforce with contingent hourly workers from staffing agencies on an as-needed basis; however, if we experience labor shortages, and are unable to attract and utilize contingent workers, or if our staffing agencies terminate their relationship with us and we cannot find alternative providers, we could incur higher costs and our operations could be adversely affected.Risk factors (Item 1A)

Partners and platforms

United States Postal Service (USPS)

earns from · upwards of 15 billion mail pieces annually
We are the largest workshare partner of the United States Postal Service ("USPS") and national outsource provider of mail sortation services that allow clients to qualify volumes of First-Class Mail, First Class Flats, Marketing Mail and Marketing Mail Flats/Bound Printed Matter for postal workshare discounts.Business (Item 1)

Also named by BR, CI, DJCO, FDX, HIMS, PPLI, UPS

United States Postal Service (USPS)

depends onnamed as a risk
A significant portion of our revenue depends upon the ability of these posts, especially the USPS, to provide reliable, competitive mail and package delivery services to our clients.Risk factors (Item 1A)

Also named by BR, CI, DJCO, FDX, HIMS, PPLI, UPS

United States Postal Service (USPS)

depends onnamed as a risk
Our SendTech Solutions offerings depend upon certain contractual relationships with the USPS and other carriers to enable us to offer these services profitably.Risk factors (Item 1A)

Also named by BR, CI, DJCO, FDX, HIMS, PPLI, UPS

Other companies

DRF Logistics, LLC (Ecommerce Restructuring)

81% of the voting interestsnamed as a risk
Risks and uncertainties may continue to be associated with the Ecommerce Restructuring, including, among others, continuing claims asserted against the Company or its affiliates related to the Ecommerce Restructuring as described in Part I, Item 3, "Legal Proceedings."Risk factors (Item 1A)

Physical mail volumes

named as a risk
Continuing declines in traditional mail volumes impact our financial results.Risk factors (Item 1A)

Convertible Notes capped call option counterparties

named as a risk
The option counterparties are financial institutions, and we are subject to the risk that any or all of them might default under the Capped Call Transactions.Risk factors (Item 1A)

Places

United States

concentrated in · 75%
We have approximately 6,600 employees, with 75% located in the United States.Business (Item 1)

Also named by ABBV, ADP, AJG, AMGN, APA, AXGN, AXP, BALL and 139 more

Commodities and inputs

British Pound

exposed to its price · $5 millionnamed as a risk
Assuming foreign currency exchange rates at December 31, 2025, a 1% change in the British Pound and Euro would impact earnings by $5 million and $2 million, respectively.Market risk (Item 7A)

Also named by ABBV, ADBE, AJG, AME, AMP, APA, BF/B, BRO and 39 more

Semiconductors

depends onnamed as a risk
Like many other companies, we and our suppliers have experienced interruptions, delays and increased supply costs in the past, due to, among other things, volatility in the semiconductor industry, threats of strikes, rising inflation, tariffs and geopolitical instability.Risk factors (Item 1A)

Also named by AAPL, AIOT, ARW, AXON, CARR, CAT, CIEN, CSCO and 16 more

Fuel

exposed to its pricenamed as a risk
The use of these providers is subject to risks, including our ability to negotiate acceptable terms due to, increased competition during peak periods, capacity issues, increased fuel costs, labor shortages, performance problems, extreme weather, natural or man-made disasters, pandemics, or other unforeseen difficulties.Risk factors (Item 1A)

Also named by ASO, CARR, COR, CPNG, CPRT, DDS, DKS, DY and 16 more

Regulators

Federal Deposit Insurance Corporation (FDIC)

subject tonamed as a risk
As such, the Bank is subject to the regulations of the Utah Department of Financial Institutions and the Federal Deposit Insurance Corporation, and to applicable banking laws and regulations, including those relating to capital and liquidity, consumer compliance, and anti-money laundering and sanctions compliance.Business (Item 1)

Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more

United States Postal Service (USPS)

subject tonamed as a risk
A significant portion of our business is subject to regulation and oversight by the USPS, posts in other major markets, and the governmental bodies that regulate the posts themselves.Risk factors (Item 1A)

Also named by BR, CI, DJCO, FDX, HIMS, PPLI, UPS

Utah Department of Financial Institutions

subject tonamed as a risk
As such, the Bank is subject to the regulations of the Utah Department of Financial Institutions and the Federal Deposit Insurance Corporation, and to applicable banking laws and regulations, including those relating to capital and liquidity, consumer compliance, and anti-money laundering and sanctions compliance.Business (Item 1)

Also named by ALLY, FCFS, SLM, XYZ

Laws and programs

U.S. tariffs

subject tonamed as a risk
These increased tariffs resulted in additional costs on certain components used in SendTech products.Risk factors (Item 1A)

Also named by A, AAPL, ACHR, ADI, AEHR, AEP, AIOT, AKAM and 170 more

OECD Pillar Two global minimum tax

subject tonamed as a risk
These developments could increase our compliance and reporting obligations and, depending on the jurisdictions in which we operate and the interaction among applicable rules, could result in incremental tax expense (including “top-up” taxes), potential double taxation and adversely impact our financial results and cash flows.Risk factors (Item 1A)

Also named by ABNB, ACN, ADI, ADM, ADSK, AKAM, ALB, AMAT and 70 more

U.S. government contracting regulations

subject tonamed as a risk
We have a significant number of contracts with governmental entities.Risk factors (Item 1A)

Also named by FIX, HWM, PRM, SNA

Utah Industrial Bank charter

subject tonamed as a risk
The Bank is chartered as an Industrial Bank under the laws of the State of Utah.Business (Item 1)