OSPNMEDIUM SIGNALOPERATIONAL10-K

OneSpan has restructured its business description around two distinct solution portfolios - Cybersecurity and Digital Agreements - while delivering solid financial performance with improved profitability and strengthened equity position.

The company appears to be repositioning itself with clearer product differentiation, moving from "secure authentication and digital agreements" to more defined "Cybersecurity and Digital Agreements" portfolios. This strategic clarity, combined with meaningful growth in net income and stockholders' equity, suggests OneSpan is successfully executing on its dual-portfolio strategy while maintaining its strong position serving global banks.

Comparing 2026-02-26 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

OneSpan delivered solid financial results with net income growing meaningfully from $57.1M to $72.9M, while stockholders' equity expanded notably to $271.8M. Total assets increased 17.4% to $397.7M, though cash and equivalents declined modestly to $70.5M. The overall financial picture signals improved profitability and a stronger balance sheet, with the cash decline likely reflecting strategic investments or capital allocation decisions rather than operational concerns.

FINANCIAL STATEMENT CHANGES
Stockholders Equity
Balance Sheet
+27.9%
$212.5M$271.8M

Equity base grew 27.9% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Income
P&L
+27.7%
$57.1M$72.9M

Net income grew 27.7% — bottom-line growth signals improving overall business health.

Total Assets
Balance Sheet
+17.4%
$338.7M$397.7M

Asset base grew 17.4% — expansion through organic growth, acquisitions, or capital deployment.

Cash & Equivalents
Balance Sheet
-15.2%
$83.2M$70.5M

Cash decreased 15.2% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-27
ADDED
As of February 19, 2026, there were 37,466,947 shares of common stock outstanding.
PART I Item 1 Business Overview OneSpan helps organizations build secure, seamless, and trusted digital experiences through two solution portfolios: Cybersecurity and Digital Agreements.
Our cybersecurity solutions protect identities, secure mobile apps, and safeguard access through advanced high-assurance authentication, threat intelligence, fraud prevention, and robust mobile app protection, defending users, devices, and applications against sophisticated attacks.
Our digital agreement solutions streamline agreement workflows with secure e-signatures, identity verification, and smart digital forms, built to enable speed, compliance and exceptional customer experiences.
Trusted by leading global enterprises, including more than 60% of the world s 100 largest banks, OneSpan processes over 100 million digital agreements and billions of secure authentication transactions across more than 120 countries each year.
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REMOVED
As of February 21, 2025, there were 38,175,819 shares of common stock outstanding.
PART I Item 1 Business Overview OneSpan delivers cutting-edge solutions in two key areas: advanced secure authentication and digital agreements.
Our secure authentication solutions protect devices, users, and applications with robust multi-factor and passwordless authentication and other fraud prevention technologies.
Our digital agreements solutions combine identity verification, electronic signatures, and digital workflows to streamline agreements, enhance compliance, and accelerate business processes.
We empower organizations to automate and secure both customer-facing and revenue-generating processes, supporting a wide range of use cases from simple transactions to complex workflows requiring elevated security.
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