n8n Workflow: Summarize 10-K Risk Changes via SEC EDGAR MCP

Get weekly, automatic summaries of 10-K Item 1A risk factor changes—pulled straight from SEC EDGAR

This n8n workflow automatically compares the latest two 10-K filings for each ticker, extracts Item 1A (Risk Factors), and generates a concise, themed summary of what changed using a SEC EDGAR MCP server and OpenAI—then publishes a weekly report to Google Docs.

What this workflow does

• Runs every Monday morning (or manually) and uses workflow settings to load: the MCP server URL, ticker list, SEC User-Agent string, and reporting limits.
• Verifies the SEC EDGAR MCP server exposes the required tools, then reads the existing risk_factor_watch Data Table to avoid re-reporting the same accession number per ticker.
• For each ticker, requests the three most recent 10-K filings, selects the newest and prior filings, and skips tickers with no new filing since the last run.
• Fetches both filings’ HTML from SEC EDGAR and extracts Item 1A Risk Factors into cleaned, comparable paragraph lists.
• Compares this year vs. last year using token-overlap matching to identify additions, removals, and material rewrites, and keeps only changed excerpts up to the configured cap.
• Updates the risk_factor_watch Data Table with counts for tickers with changes, sends the changed paragraphs to OpenAI, and generates a short explanation.
• Creates a new Google Doc and appends a combined weekly report with links to the filings for all tickers with meaningful changes.

Use cases

• Track how risk factor disclosures evolve across your watchlist without manual EDGAR review.
• Help analysts and SaaS operators monitor regulatory/operational risk themes week-over-week.
• Generate an internal compliance briefing with direct links to the source filings.

Technical details

• n8n nodes used: if, set, code, no op, filter, data table
• Integrations: SEC EDGAR MCP server, OpenAI, and Google Docs
• Deduplication: risk_factor_watch Data Table keyed by ticker accession number