{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-059189","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2023-12-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.223935+00:00","generated_at":"2026-06-07T07:44:43.066715+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial closes $600M offering of 9.750% Senior Notes due 2029","bullets":["$600M principal amount of 9.750% Senior Notes due March 15, 2029, interest payable semi-annually.","Notes are senior unsecured obligations, guaranteed by certain domestic subsidiaries.","Company may redeem notes on/after March 15, 2026 at specified redemption prices; prior to that, make-whole premium applies.","Holders can require repurchase at 101% upon a Change of Control.","Indenture contains standard covenants limiting indebtedness, liens, investments, and asset sales."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-059189","json":"https://secwatch.observer/filing/0001140361-23-059189.json","markdown":"https://secwatch.observer/filing/0001140361-23-059189.md","text":"https://secwatch.observer/filing/0001140361-23-059189.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000114036123059189/0001140361-23-059189-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000114036123059189/ef20017080_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-07T07:44:43.066715+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":"aa6011ee70e819aae3f8c025c5c92b73ae6f583d","claim":"BREAD FINANCIAL HOLDINGS, INC. incurred senior notes of $600 million principal amount with U.S. Bank Trust Company, National Association at 9.750% maturing March 15, 2029.","evidence_excerpt":"On December 22, 2023, Bread Financial Holdings, Inc. (the “Company”) closed its previously announced offering of $600 million principal amount of 9.750% Senior Notes due 2029 (the “Notes”).","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000114036123059189/0001140361-23-059189-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"senior notes"},{"label":"Principal","value":"$600 million principal amount"},{"label":"Counterparty","value":"U.S. Bank Trust Company, National Association"},{"label":"Rate","value":"9.750%"},{"label":"Maturity","value":"March 15, 2029"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"},{"claim_id":"f11f6ad3df7d1c5eb2aaba0ead1805ed2515243c","claim":"BREAD FINANCIAL HOLDINGS, INC. entered into Indenture for 9.750% Senior Notes due 2029 with U.S. Bank Trust Company, National Association valued at $600 million principal amount (effective 2023-12-22).","evidence_excerpt":"On December 22, 2023, Bread Financial Holdings, Inc. (the “Company”) closed its previously announced offering of $600 million principal amount of 9.750% Senior Notes due 2029 (the “Notes”). The Notes were issued pursuant to an indenture (the “Indenture”) dated as of December 22, 2023 among the Company, certain of the Company’s domestic subsidiaries as guarantors and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”).","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000114036123059189/0001140361-23-059189-index.htm","confidence":0.98,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Agreement","value":"notes offering"},{"label":"Counterparty","value":"U.S. Bank Trust Company, National Association"},{"label":"Value","value":"$600 million principal amount"},{"label":"Effective","value":"2023-12-22"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}