{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000181","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.796219+00:00","generated_at":"2026-05-16T23:21:13.077390+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial issues $500M 6.750% Senior Notes due 2031","bullets":["$500M principal of 6.750% Senior Notes due 2031, issued Nov 6, 2025.","Interest payable semiannually starting May 15, 2026; maturity May 15, 2031.","Notes are senior unsecured obligations, guaranteed by domestic subsidiaries that guarantee Credit Agreement.","Company may redeem on/after May 15, 2028 at specified prices; make-whole premium before that.","Holders may require repurchase at 101% upon Change of Control Triggering Event."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000181","json":"https://secwatch.observer/filing/0001101215-25-000181.json","markdown":"https://secwatch.observer/filing/0001101215-25-000181.md","text":"https://secwatch.observer/filing/0001101215-25-000181.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/0001101215-25-000181-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/bfh-20251106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:21:13.077390+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":[{"claim_id":"0c572856f7a5d2aeb725faa2d46ab8d49df633bf","claim":"BREAD FINANCIAL HOLDINGS, INC. incurred senior notes of $500 million with U.S. Bank Trust Company, National Association at 6.750% maturing May 15, 2031.","evidence_excerpt":"On November 6, 2025, Bread Financial Holdings, Inc. (the “Company”) closed its previously announced offering of $500 million principal amount of 6.750% Senior Notes due 2031 (the “Notes”).","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/0001101215-25-000181-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"senior notes"},{"label":"Principal","value":"$500 million"},{"label":"Counterparty","value":"U.S. Bank Trust Company, National Association"},{"label":"Rate","value":"6.750%"},{"label":"Maturity","value":"May 15, 2031"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}