Debt Tranche Structure API: SEC Filing Data

In September 2025, Oracle raised $18 billion in a bond offering. Five months later, in February 2026, it raised another $25 billion, both deals funding the AI and data-center buildout behind Oracle's Stargate partnership with OpenAI. Both landed on Oracle's balance sheet as one number: total debt, $130.1B as of fiscal year-end 2026-05-31. That figure says nothing about when the debt is due, what it costs, or that a $2.75 billion note at 1.65% rolled off the book the same year 4 new notes priced above 6% joined it.

That detail lives in the debt footnote of every 10-K and 10-Q, tagged fact by fact on the XBRL debt-instrument axis, not the balance sheet. One API call turns it into a structured maturity schedule: face amount, coupon, carrying value, maturity year, and facility utilization for every named tranche. That is what the StockFit Debt Structure API (/api/footnotes/debt-structure) and its companion Credit Facilities API (/api/footnotes/credit-facilities) return. This post walks both on Oracle's real FY2026 numbers, verified tranche by tranche against Oracle's own SEC filings, plus a live capital-structure change caught mid-quarter at Wayfair.

Why "total debt" isn't a debt tranche maturity schedule

A balance sheet's total-debt line is a sum: it can't show what comes due next year versus in 2056, or whether a company is refinancing cheap pre-2022 paper into 6%-plus notes because that is what borrowing costs now. Those questions live in the debt-instrument footnote every 10-K and 10-Q carries, itemized note by note, bond by bond.

Oracle is a clean example: it just did two large deals back to back. The /api/financials/balance-sheet endpoint (free tier) shows total debt climbing from $92.9B to $130.1B year over year, the headline. The debt-structure footnote is where that headline turns into 56 individually named notes you can reason about.

curl "https://api.stockfit.io/v1/api/footnotes/debt-structure?symbol=ORCL&period=annual&limit=1" \
  -H "Authorization: Bearer YOUR_API_KEY"

{
  "period": "2026-05-31",
  "fiscalYear": 2026,
  "fiscalPeriod": "FY",
  "instruments": [
    {
      "member": "orcl:FixedRateSeniorNotesDueFebruary2056Member",
      "name": "Fixed-Rate Senior Notes Due February 2056",
      "faceAmount": 5000000000,
      "carryingAmount": 5000000000,
      "statedRate": 0.067,
      "effectiveRate": 0.0674,
      "dueYear": 2056
    },
    {
      "member": "orcl:FixedRateSeniorNotesDueMarch2026Member",
      "name": "Fixed Rate Senior Notes Due March 2026",
      "faceAmount": 2750000000,
      "carryingAmount": 0,
      "statedRate": 0.0165,
      "dueYear": 2026
    }
    // ... 54 more tranches
  ],
  "types": [{ "name": "Senior Notes And Other Long Term Borrowings", "carryingAmount": 128100000000 }],
  "dateFiled": "2026-06-22"
}

One thing stands out already: carryingAmount is 0 on the March 2026 note even though faceAmount still shows $2.75 billion. Its stated maturity fell before fiscal year-end, and the endpoint reports that zero balance honestly rather than dropping the tranche.

Per-tranche debt data: Oracle's 56 notes, verified against its own filings

Summing every tranche with a positive carrying amount gives $123.5B in face value across 56 outstanding notes. Add the $5.1B term loan and $1468M of commercial paper the endpoint's types rollup folds in, and the total lands within 0.4% of the $130.1B balance-sheet figure, close enough to trust, not exact to the penny.

Before trusting any of that, I checked it against Oracle's own filings. Both 2025-2026 offerings are public: Oracle's February 2026 prospectus supplement prices $25 billion across eight tranches, and the September 2025 deal priced $18 billion across six. Comparing the FY2025 column against FY2026 in the same response isolates exactly 14 tranches moving from a $0 comparative balance to a real one, $43.0B combined, matching both offerings dollar for dollar and coupon for coupon.

The maturity wall shows where refinancing pressure actually sits: $20.5B comes due between 2029 and 2031 alone, and the long end (2054 to 2066) now carries $25.3B. That shape, not the single total-debt number, is what a credit analyst needs to model refinancing risk.

Fixed vs floating rate debt, and what new borrowing costs now

Oracle's book is almost entirely fixed-rate: just two tranches, $500 million each due August 2028 and February 2029, float, resetting to roughly 4.4%-4.8% effective once the swap spread applies. The real cost of Oracle's new borrowing shows up in the coupon: the 14 tranches priced in the last five months average 5.57% stated, versus 4.27% on everything else on the books, priced mostly 2018-2023, a roughly 130 basis point gap on tens of billions of new principal.

Credit facility capacity, drawn balances, and utilization

Bonds are only half the liquidity picture. The /api/footnotes/credit-facilities endpoint covers the other half: commercial paper, revolvers, and term loans, the facilities a company draws on for working capital rather than long-dated capex. Oracle keeps a $10 billion commercial paper program as a backstop, plus a term loan drawn down to help bridge the gap before the bond deals priced.

The term loan is drawn at $5.1B, down modestly from $5.4B a year earlier, at a stated rate of 1.35% that floats up to an effective 5.29% once benchmark resets apply. It carries no separate maxCapacity field since term loans are typically drawn in full at closing rather than revolved. Oracle also discloses an interest-rate swap at an effective 4.74% to hedge that floating exposure back toward something predictable. None of this is a stress signal: 14.7% utilization on a $10 billion program is healthy headroom, and the endpoint lets you make that judgment yourself instead of trusting a single debt-to-EBITDA ratio.

Convertible debt and the conversion-price dilution signal

Not every tranche is a plain bond. When a filer tags a note on the XBRL convertible-debt member, the response adds a conversionPrice field: the share price at which a noteholder can convert principal into equity instead of collecting cash at maturity. That number only matters next to the current stock price, worth showing here since the gap recently moved.

Wayfair (W) fits. Its 2026-08 quarter shows two convertible notes outstanding: one due 2027 converting at $63.45, and a small $39 million 2026 note converting at $148.48. Against Wayfair's 2026-08-24 close of $103.19, the 2027 note is deep in the money while the 2026 note is still out of the money: same field, same endpoint, two different pictures depending only on where the stock has moved.

// GET /api/footnotes/debt-structure?symbol=W&period=quarter (Q2 FY2026, 2026-06-30)
{
  "name": "Senior Note Due 2027",
  "faceAmount": 229000000,
  "conversionPrice": 63.45,
  "debtType": "us-gaap:ConvertibleDebtMember",
  "statedRate": 0.0325,
  "dueYear": 2027
}

The same quarter caught a live refinancing. One quarter earlier, Wayfair's 2028 convertible note still carried $533M of face value; by 2026-06-30 it shows $0, fully retired. In the same window a new $400 million, 7.125% note due 2034 appeared, tagged as plain us-gaap:SeniorNotesMember debt with no conversionPrice at all. Wayfair swapped dilution-risk convertible paper for a higher coupon and no equity overhang, a real capital-structure decision visible one quarter after it happened because the endpoint is queried per period rather than restated after the fact, the same point-in-time discipline the rest of StockFit's fundamentals data follows: no lookahead bias, no silently-updated history.

Where this data comes from: the XBRL debt-instrument axis

Every value here originates in a filing, not a data vendor. Debt footnotes tag each tranche on the us-gaap:DebtInstrumentAxis dimension, crossing a base concept like DebtInstrumentFaceAmount or DebtInstrumentInterestRateStatedPercentage with a filer-specific member such as orcl:FixedRateSeniorNotesDueFebruary2056Member. StockFit runs every 10-K and 10-Q through Arelle, the open-source XBRL processor, and keeps the dimensional facts on that axis, the same extraction approach behind the sibling Revenue Segmentation API.

The extraction is honest about its limits rather than smoothing them over. A minority of filers mis-tag rates as whole percents, 4.8 instead of 0.048; those get rescaled and flagged normalized: true rather than silently corrected with no trace. dueYear is parsed from the member name, not a tagged date, and comes back null when a name carries no year token. Coverage is US-GAAP filers only: the debt-instrument axis doesn't exist in the IFRS taxonomy, so pure-IFRS 20-F filers are typically not covered. For the mechanics, see the XBRL-to-JSON pipeline walkthrough; this is one more signal in the same family of alternative data sitting directly in SEC filings.

How to call the Debt Structure and Credit Facilities API

Both endpoints take the same shape: an entity identifier (symbol, cik, or similar), an optional period (annual or quarter), and limit for how many periods to return. Pass currency to convert every monetary value into any ISO 4217 currency at the period-end spot rate; the response's fx block records exactly which rate was applied, so the conversion is reproducible, not a black box.

// 1. Pull the current tranche list and filter to what's actually outstanding.
const periods = await fetch(
  'https://api.stockfit.io/v1/api/footnotes/debt-structure?symbol=ORCL',
  { headers: { Authorization: `Bearer ${token}` } }
).then(r => r.json());

const latest = periods[0];
const outstanding = latest.instruments.filter(i => i.carryingAmount > 0);

// 2. Bucket by maturity year for a refinancing wall.
const byYear = new Map();
for (const t of outstanding) {
  if (t.dueYear == null) continue;
  byYear.set(t.dueYear, (byYear.get(t.dueYear) ?? 0) + t.faceAmount);
}

// 3. Pull the companion liquidity picture.
const facilities = await fetch(
  'https://api.stockfit.io/v1/api/footnotes/credit-facilities?symbol=ORCL',
  { headers: { Authorization: `Bearer ${token}` } }
).then(r => r.json());

const cp = facilities[0].facilities.find(f => f.member === 'us-gaap:CommercialPaperMember');
const headroomPct = 1 - cp.outstanding / cp.maxCapacity;

Both endpoints, along with the rest of the footnotes family (leases, stock compensation, buybacks, fair-value hierarchy, and more), require the Professional plan. The free-tier /api/financials/balance-sheet endpoint is the natural on-ramp: pull the total-debt figure there first, then reach for footnote detail once you need it.

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