Fidelity National Information Services amends $6.0B line, adds $1.0B revolver

Fidelity National Information Services amends $6.0B line, adds $1.0B revolver

Rhea-AI Filing Summary

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Rhea-AI Filing Summary

Q: When do the FIS credit facilities mature?

Q: What are permitted uses of proceeds under the FIS facilities?

Q: Who is the administrative agent for FIS’s facilities?

Q: Do the agreements include financial covenants?

8-K Event Classification

What did FIS (FIS) announce?

When do the FIS credit facilities mature?

Are the FIS credit facilities secured?

What are permitted uses of proceeds under the FIS facilities?

Who is the administrative agent for FIS’s facilities?

Do the agreements include financial covenants?

Positive

Negative

The restated $6.0 billion facility expires on September 27, 2029 ; the separate $1.0 billion revolver expires on June 15, 2027 .

Borrowings may be used for ongoing working capital and other general corporate purposes, including refinancing of upcoming maturing debt .

JPMorgan Chase Bank, N.A. serves as administrative agent on both agreements.

They include customary covenants restricting, among other things, incurrence of indebtedness, certain restricted payments, and use of proceeds.

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

8-K

Fidelity National Information Services (FIS) entered into a Ninth Amendment and Restatement of its credit agreement, providing $6.0 billion in revolving credit commitments. The restated facility is unsecured and expires on September 27, 2029.

FIS also executed a separate $1.0 billion unsecured Revolving Credit Agreement that expires on June 15, 2027. In both cases, any borrowings may be used for ongoing working capital and other general corporate purposes, including refinancing of upcoming maturing debt. JPMorgan Chase Bank, N.A. is the administrative agent on both agreements.

Both agreements include customary covenants, such as limits on incurring additional indebtedness, certain restricted payments, and use of proceeds.

Large unsecured credit lines extend liquidity through 2029.

FIS amended and restated its main credit line with $6.0 billion in revolving commitments, maturing on September 27, 2029, and added a separate $1.0 billion revolver maturing on June 15, 2027. Both are unsecured and administered by JPMorgan Chase Bank, N.A.

The facilities permit borrowings for working capital and general corporate purposes, including refinancing upcoming maturities. Covenants are described as customary, which typically preserves financial flexibility while setting standard leverage and restricted payment constraints.

Impact depends on actual drawdowns and refinancing activity. Subsequent filings may provide detail on utilization, pricing, and covenant levels, which will shape the practical liquidity profile under these lines.

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

11/12/2025 - 04:39 PM

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 6, 2025

Fidelity National Information Services, Inc.

(Exact name of registrant as specified in its charter)

Georgia

1-16427

37-1490331

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

347 Riverside Avenue

Jacksonville, Florida

32202

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (904) 438-6000

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	FIS	New York Stock Exchange
0.625% Senior Notes due 2025	FIS25B	New York Stock Exchange
1.500% Senior Notes due 2027	FIS27	New York Stock Exchange
1.000% Senior Notes due 2028	FIS28	New York Stock Exchange
2.250% Senior Notes due 2029	FIS29	New York Stock Exchange
2.000% Senior Notes due 2030	FIS30	New York Stock Exchange
3.360% Senior Notes due 2031	FIS31	New York Stock Exchange
2.950% Senior Notes due 2039	FIS39	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01 Entry into a Material Definitive Agreement.

Ninth Amendment and Restatement of Credit Agreement

On November 6, 2025, Fidelity National Information Services, Inc. (the “Company” or “FIS”), JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto entered into a Ninth Amendment and Restatement Agreement, dated as of November 6, 2025 (the “Credit Facility Amendment”), which amends and restates the Company’s existing credit agreement (as amended, the “Restated Credit Agreement”). The Credit Facility Amendment has revolving credit commitments outstanding of $6.0 billion. The term of the Restated Credit Agreement expires on September 27, 2029.

The Company’s obligations under the Restated Credit Agreement are on an unsecured basis. The proceeds of any borrowings under the Restated Credit Agreement will be used to provide ongoing working capital and for other general corporate purposes of the Company and its subsidiaries (including refinancing of upcoming maturing debt).

The Restated Credit Agreement contains customary covenants restricting, among other things, the incurrence of indebtedness, certain restricted payments and use of proceeds.

The foregoing descriptions of the Credit Facility Amendment and the Restated Credit Agreement are qualified in their entirety by reference to the actual terms of such documents, copies of which are attached as Exhibit 10.1 (with respect to the Credit Facility Amendment and, through its Annex A, the Restated Credit Agreement and its exhibits and schedules) to this report and are incorporated by reference into this Item 1.01.

Revolving Credit Agreement

On November 6, 2025, FIS, JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto entered into a Revolving Credit Agreement, dated as of November 6, 2025 (the “Revolving Credit Agreement”). The Revolving Credit Agreement has revolving credit commitments outstanding of $1.0 billion. The term of the Revolving Credit Agreement expires on June 15, 2027. The other terms of the Revolving Credit Agreement are substantially similar to those contained in the Restated Credit Agreement.

The Company’s obligations under the Revolving Credit Agreement are on an unsecured basis. The proceeds of any borrowings under the Revolving Credit Agreement will be used to provide ongoing working capital and for other general corporate purposes of the Company and its subsidiaries (including refinancing of upcoming maturing debt).

The Revolving Credit Agreement contains customary covenants restricting, among other things, the incurrence of indebtedness, certain restricted payments and use of proceeds.

The foregoing description of the Revolving Credit Agreement is qualified in its entirety by reference to the actual terms of such agreement, a copy of which is attached as Exhibit 10.2 to this report and is incorporated by reference into this Item 1.01.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The information in Item 1.01 of this report is incorporated by reference into this Item 2.03.

- 2 -

Item 9.01. Financial Statements and Exhibits

(d) Exhibits


Exhibit Number		Exhibit Description

10.1		Ninth Amendment and Restatement Agreement, dated as of November 6, 2025, by and among FIS, JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto, including the form of the Ninth Amended and Restated Credit Agreement attached as Annex A thereto.

10.2		Revolving Credit Agreement, dated as of November 6, 2025, by and among FIS, JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto.

104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

- 3 -

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

- 4 -

Source: View Original Filing on SEC EDGAR

FIS executed a Ninth Amendment and Restatement of its credit agreement with revolving credit commitments of $6.0 billion, and a separate $1.0 billion Revolving Credit Agreement.

The restated $6.0 billion facility expires on September 27, 2029; the separate $1.0 billion revolver expires on June 15, 2027.

No. FIS’s obligations under both the Restated Credit Agreement and the Revolving Credit Agreement are on an unsecured basis.

Borrowings may be used for ongoing working capital and other general corporate purposes, including refinancing of upcoming maturing debt.

JPMorgan Chase Bank, N.A. serves as administrative agent on both agreements.

They include customary covenants restricting, among other things, incurrence of indebtedness, certain restricted payments, and use of proceeds.

Date: November 12, 2025

Fidelity National Information Services, Inc.

(Registrant)

/s/ Caroline Tsai

Caroline Tsai

Corporate Executive Vice President, Chief Legal and Corporate Affairs Officer and Corporate Secretary