Intuit (INTU) 10-K risk factor changes: FY2026 vs FY2025

For the fiscal year ended July 31, [removed: 2025][added: 2026]

[removed: ][added: ]

The aggregate market value of Intuit Inc. outstanding common stock held by non-affiliates of Intuit as of January [removed: 31, 2025,] [added: 30, 2026,] the last business day of our most recently completed second fiscal quarter, based on the closing price of [removed: $601.51] [added: $498.92] reported by the Nasdaq Global Select Market on that date, was [removed: $164.2] [added: $135.6] billion.

The number of shares (in thousands) of Intuit voting common stock outstanding as of August [removed: 26, 2025] [added: 31, 2026] was [removed: 278,805.][added: 267,236.]

Portions of the registrant’s definitive proxy statement for its [removed: 2026] [added: 2027] Annual Meeting of Stockholders are incorporated by reference in Part III of this Annual Report on Form 10-K.

| INTUIT INC. FISCAL [removed: 2025] [added: 2026] FORM 10-K INDEX | | |

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| | | | 2 | | | Intuit Fiscal [removed: 2025] [added: 2026] Form 10-K | | | | | |

- our expectations regarding the development of future products, services, business models and technology [removed: platforms] [added: platforms,] and our research and development efforts;

- our belief that our cash and cash equivalents, [removed: investments] [added: investments,] and cash generated from operations will be sufficient to meet our seasonal working capital needs, capital expenditure requirements, contractual obligations, commitments, debt service requirements, and other liquidity requirements associated with our operations for at least the next 12 months;

- our expectations regarding the timing and costs associated with our [removed: plan of reorganization;] [added: restructuring plan;] and

Risks, [removed: uncertainties] [added: uncertainties,] and other factors that might cause such differences, some of which could be material, include but are not limited to those discussed in the section entitled “*Risk Factors”* in Item 1A of Part I of this Annual Report.

| | | | | | | Intuit Fiscal [removed: 2025] [added: 2026] Form 10-K | | | 3 | | |

Serving approximately [removed: 100] [added: 93] million consumers, small and mid-market businesses, and accountants worldwide, Intuit’s platform brings the power of artificial intelligence (AI) and human intelligence together to fuel customers’ success.

With TurboTax, Credit Karma, QuickBooks, Mailchimp, [removed: and] Intuit Enterprise Suite, [added: and Intuit Accountant Suite,] we help put more money in customers’ pockets, save them time by eliminating work, and help ensure that they have complete confidence in every financial decision they make.

[removed: We're] [added: We are] creating done-for-you experiences by automating everyday tasks, managing complex workflows and processes, and solving challenges before they arise with predictive insights.

| [PART I](#i95cd1f26e6b5402bb49348aba378ef1a_10) | | | | | | | | | | | |

| [PART II](#i95cd1f26e6b5402bb49348aba378ef1a_94) | | | | | | | | | | | |

| | | | [Signatures](#i95cd1f26e6b5402bb49348aba378ef1a_268) | | | | | | [103](#i95cd1f26e6b5402bb49348aba378ef1a_268) | | |

Our strategy is to be an AI-driven expert platform that brings together data, AI, and human tax and financial experts into a single system of intelligence that does the work for customers.

Our powerful combination of proprietary data, domain-specific AI platform capabilities, and AI-powered human expertise helps customers make high-stakes financial decisions with confidence.

Accuracy, compliance, security, and trust of financial decisions are critical.

Backed by four decades of leadership in accuracy, compliance, and security, our platform enables businesses and accountants to manage from lead to cash, and consumers from credit building to wealth building, all in one place, so they can make financial decisions with confidence.

- Deliver done-for-you experiences: We will address our customers’ biggest pain points through a virtual team of AI agents and AI-enabled human experts that deliver done-for-you experiences, with customers in control.

This means delivering done-for-you experiences to help businesses run and grow, from lead to cash, fueling consumers’ financial success year-round, from credit building to wealth building, and bringing together practice management, workforce management, and client work in one place for accountants to automate books, get insights and grow their practice.

- Accelerate Money Benefits: We will become the all-in-one platform for customers to manage their critical workflows, decisions, and money.

For businesses, this means optimizing cash flow, including receivables, payables, capital, and spend management.

For consumers, this means optimizing money and growing their savings, starting with fast access to their tax refund to help them manage cash flow year-round.

- Fuel Success for Mid-Market Businesses: We will become the all-in-one solution for mid-market customers, fueling their success by offering a better experience, better price, and lower total cost of ownership.

Businesses are overdigitized, juggling too many disparate apps.

Our platform, including QuickBooks Online Advanced, Intuit Enterprise Suite, and our ecosystem of connected services, brings the data and insights they need all in one place to grow revenue and profit.

We launched an expansion and new lineup of our AI-driven expert platform: a unified system of intelligence that serves as a strategic control tower for both businesses and accountants, seamlessly moving from insight to autonomous execution.

On a single platform, accountants can run and grow their practices while managing and advising their clients.

Businesses operate from that same control tower, where AI agents not only surface insights, but also take action across the business to manage performance, drive key performance indicators, and complete critical workflows autonomously, all in one place.

This also enabled us to partner with leading AI companies to deliver intelligence that is personalized, accurate, compliant, reliable, secure, and that drives real action on their behalf.

This is enabled by our system of intelligence that transcends and orchestrates across systems or apps, so that whether the data sits with Intuit or elsewhere, we can connect it, interpret it, and help customers act with confidence.

Bill Pay. QuickBooks Online and Intuit Enterprise Suite allow small and mid-market businesses to manage their accounts payable through efficient bill ingestion, bill payment, custom workflows, and vendor management, automatically reconciling with their books.

Additionally, we provide financing as a third-party financing provider in a strategic partner’s lending program, opening a new channel to acquire QuickBooks customers.

We also offer Intuit Business Credit Card, which allows small and mid-market businesses to make purchases, manage expenses, and access credit for their business needs.

QuickBooks Workforce. QuickBooks Workforce is an all-in-one human resources and payroll platform designed for small and mid-market businesses that integrates with QuickBooks Online.

Providing businesses a 360-degree view of their people and finances, QuickBooks Workforce supports the employee lifecycle, from recruiting and onboarding through benefits administration, performance management, time off management, time tracking, document management, and offboarding.

With employee self-service portals, centralized worker profiles, and bulk administrative tools, the platform reduces manual reconciliation and delivers actionable, AI-driven insights to help customers manage and grow their workforce with confidence.

Be Compliant and Organized

QuickBooks Online embeds Intuit’s AI to automate routine bookkeeping and surface actionable insights through natural-language queries, forecasts, and proactive alerts, working alongside Intuit AI-enabled experts.

We offer additional plans, Simple Start, Essentials, and Plus, that serve a range of small businesses.

We also offer optional professional services, including implementation and data migration, training, and integration setup and workflow configuration.

Intuit Accountant Suite. Intuit Accountant Suite is our AI-powered firm management platform designed for accounting professionals to manage their clients, firm, and team in one place.

The platform integrates five core areas: client management, client collaboration, service delivery, business planning, and team management, with embedded Intuit Intelligence and AI agents.

Our Consumer segment primarily serves consumers and professional accountants and is comprised of our TurboTax, Credit Karma, and ProTax offerings.

Our vision is to be a platform that engages consumers year-round to solve their most critical financial problems that include making ends meet, maximizing tax refunds, saving more, paying off debt, knowing where they stand, and reducing payments.

We believe the combined strengths and reach of our brands will enable us to provide differentiated and durable personal finance benefits to consumers throughout the year.

federal and state income tax returns quickly and accurately.

AI-driven features, including agentic experiences and personalized recommendations, help customers accelerate tax return completion and deliver a faster, more confident filing experience.

We also offer complementary services, including electronic filing of federal and state income tax returns, audit defense, audit support, as well as a variety of financial offerings, including early access to tax refunds, File Now, Pay Later loans, and Credit Karma Money branded online savings and checking accounts through FDIC-member partner banks.

Domain-specific AI agents deliver personalized finance, tax, and money experiences.

Additionally, Credit Karma leverages Lightbox, a differentiated proprietary technology that allows participating lenders to apply their own decisioning models, together with thousands of de-identified data attributes from Credit Karma users, to provide them with even greater certainty of their approval odds for applicable financial products.

[Table](#i581672766df440d3b4e85441bf1f5b75_7) [of Contents](#i581672766df440d3b4e85441bf1f5b75_7)

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| | | | | | | | | | | | |

| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |

| [PART I](#i581672766df440d3b4e85441bf1f5b75_10) | | | | | | | | | | | |

| [PART II](#i581672766df440d3b4e85441bf1f5b75_91) | | | | | | | | | | | |

| | | | [Signatures](#i581672766df440d3b4e85441bf1f5b75_268) | | | | | | [105](#i581672766df440d3b4e85441bf1f5b75_268) | | |

- our belief that it is not reasonably possible that there will be a significant increase or decrease in our unrecognized tax benefits over the next 12 months;

Our strategy is to be an AI-driven expert platform by connecting customers to a virtual team of AI agents and AI-enabled human tax and financial experts.

We harness the power of data, data services, AI, and human intelligence that help customers reach their financial goals.

(1) On August 1, 2024, we renamed our Small Business & Self-Employed segment as the Global Business Solutions segment.

We're disrupting the categories we operate in to drive better money outcomes for our customers.

Combined with our AI-enabled human experts, these agents are automating workflows and delivering real-time insights to drive growth and improve cash flow.

Our redesigned user interface and new business feed highlights these real-time insights and recommendations and the tasks completed by agents on behalf of the customer.

We also launched AI agents in Intuit Enterprise Suite, including accounting, payments, finance, and project management agents, transforming how our small and mid-market business customers manage their finances by automating a variety of day-to-day tasks, and increasing productivity.

We have driven significant momentum across the company over the past year.

Looking ahead, we are doubling down on the areas that drove strong results this year where the combination of AI and human intelligence delivers done-for-you experiences, helps customers put more money in their pockets, and builds our mid-market business.

| | | | | | | | | | | | | | | | | | |

| ProTax | | | 3 | | % | | | | 4 | | % | | | | 4 | | % |

Bill Pay. Our QuickBooks Online offerings and Intuit Enterprise Suite allow small and mid-market businesses to organize bills and make payments online.

Small and mid-market businesses can connect with vendors and automatically import bills through our network, resulting in easier and faster payments.

Workforce Solutions. Our payroll solutions, available as online or desktop solutions, are sold on a subscription basis and integrate with our QuickBooks Online and Desktop offerings and Intuit Enterprise Suite, or may be purchased standalone.

Our online payroll offerings include automated tax payments and filings, as well as access to human resources solutions and employee benefits offerings such as health insurance and 401(k) plans.

We also offer time tracking solutions, which seamlessly integrate with our online payroll offerings to help businesses easily and accurately track time for their mobile workforce, including tools for project planning, job costing, and tracking billable hours per client.

Be Compliant

We also offer complementary services, including electronic filing of federal and state income tax returns, faster access to tax refunds, audit defense, and audit support.

Financial institutions can offer our online tax preparation and filing services to their customers through a link to TurboTax Online.

Credit Karma Money offers members online savings and checking accounts through an FDIC-member bank partner.

Additionally, Credit Karma leverages Lightbox, a first-of-its-kind enterprise platform which allows lenders to leverage thousands of de-identified data points from Credit Karma members to help provide our members with greater certainty that they will be approved if they apply for a financial product.

ProTax

Our ProTax segment includes our professional tax offerings and serves professional accountants in the U.S. and Canada, who are essential to both small business success and tax preparation and filing.

Lacerte is designed for full-service, year-round accounting firms who handle more complex returns.

ProSeries is designed for year-round tax practices handling moderately complex tax returns.

ProConnect Tax Online is our

cloud-based solution, designed for full-service, year-round practices that prepare all types of individual and business returns and integrates with our QuickBooks Online offerings.

ProFile is our Canadian desktop tax offering, which serves year-round, full-service accounting firms for both individual and business tax returns.

ProTax Online is our Canadian cloud-based tax solution, designed for full-service, year-round practices who prepare all forms of individual and business tax returns.

It is integrated into QuickBooks Online Accountant to provide seamless integration of data across books and tax through our Workpapers solution.

sponsorships; podcast marketing; mobile marketing; and retail marketing of our consumer tax offerings.

Entities that offer or provide access to offerings that we may compete with include: