# H2O AMERICA (HTO) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from H2O AMERICA's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/HTO/mda/fy2025/): filed 2026-02-26; accession 0001628280-26-012438 (https://www.sec.gov/Archives/edgar/data/766829/000162828026012438/hto-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/HTO/mda/fy2024/): filed 2025-02-28; accession 0000766829-25-000009 (https://www.sec.gov/Archives/edgar/data/766829/000076682925000009/sjw-20241231.htm)
- [FY 2023 MD&A](/company/HTO/mda/fy2023/): filed 2024-02-23; accession 0000766829-24-000023 (https://www.sec.gov/Archives/edgar/data/766829/000076682924000023/sjw-20231231.htm)
- [FY 2022 MD&A](/company/HTO/mda/fy2022/): filed 2023-02-24; accession 0000766829-23-000041 (https://www.sec.gov/Archives/edgar/data/766829/000076682923000041/sjw-20221231.htm)
- [FY 2021 MD&A](/company/HTO/mda/fy2021/): filed 2022-02-28; accession 0000766829-22-000060 (https://www.sec.gov/Archives/edgar/data/766829/000076682922000060/sjw-20211231.htm)

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