{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000178","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.796013+00:00","generated_at":"2026-05-17T01:34:31.470316+00:00","sec_items":["1.01","8.01","9.01"],"event_type":"debt","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial prices $500M 6.750% notes, uses proceeds plus $275M cash to redeem $719M 9.750% notes","bullets":["$500M aggregate principal of 6.750% senior notes due 2031 priced at 100%; net proceeds ~$493M.","Proceeds plus $275M cash to redeem all $719M 9.750% senior notes due 2029, including make-whole premium.","Redemption conditional on closing of note offering; notes close Nov 6, redemption expected Nov 7, 2025.","Notes guaranteed by domestic subsidiaries that guarantee existing senior notes and credit facility.","Offering is a private placement under Rule 144A and Regulation S; not registered under Securities Act."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000178","json":"https://secwatch.observer/filing/0001101215-25-000178.json","markdown":"https://secwatch.observer/filing/0001101215-25-000178.md","text":"https://secwatch.observer/filing/0001101215-25-000178.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000178/0001101215-25-000178-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000178/bfh-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:34:31.470316+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}