Covenant Book
Deterministic · 19 citations
GETTY IMAGES, INC. 10.500% SENIOR SECURED NOTES DUE 2030 · Indenture dated October 21, 2025 · As-of 2025-12-31 · Generated 2026-04-23 18:01 UTC

Getty Images, Inc. 10.500% Senior Secured Notes due 2030 US$628.4M 10.500% Senior Secured Notes Due 2030

Economic breach
Incurrence-test ratio is undefined
Denominator is non-positive; the indenture's Consolidated Total Leverage Ratio Test (On and After Merger Closing Date) ratio cannot be tested. The company cannot service its debt from operations; the covenant is breached in spirit even if the raw math is mathematically defined.
Any Δ cushion / Δ EBITDA / Δ debt scenario plots below are therefore meaningless for this issuer and this period. The operative question is liquidity, not leverage headroom.
Baseline test
Consolidated Total Leverage Ratio Test (On and After Merger Closing Date)
Incurrence threshold: <= 4.00×
Current: 5.97×
Covenant quality
1.5 / 5
median HY
§ I

Executive Summary All three maintenance-equivalent covenants are running with meaningful cushion.

3 covenants · 0 breaches · 0 warnings
Covenant Headline Current Threshold Cushion Status
Debt Incurrence
§ 4.09
-49% cushion to the leverage ceiling 5.97× <= 4.00× -49% Breach
Permitted Liens
§ 4.12
3 computable · Plus 41 qualitative lien carve-outs (unlimited / existing / refinancing) — standard HY patterns. $75M cap In Compliance
Restricted Payments
§ 4.07
Builder basket + qualitative RP carve-outs $0M gross cap In Compliance
At 5.97x, above the 4.00x covenant ceiling. Covenant Quality scored 1.5/5 (debt 1, liens 1, RPs 3).
§ 4.09

Debt Incurrence Limitation on Indebtedness

Breach 4 computable baskets
Definitional caveat Indebtedness per the indenture is broader than company-reported debt (includes Disqualified Stock, Attributable Indebtedness, guarantees, hedging, securitization). Consolidated EBITDA per §1.01 may differ from reported or "adjusted" EBITDA — see the build-up above. True covenant leverage can shift modestly when reconciled to defined terms.
Effective Headroom $0.53 B
$-311MRatio headroom
+
$534MComputable baskets
=
$534MTotal capacity
Ratio Tests § 4.09(a)
Test Current Threshold Cushion Capacity gauge Status
Consolidated Total Leverage Ratio Test (Pre-Merger Closing Date)
§ 3.2(a) [4]§ 3.2(a)(a) The Company shall not, and shall not permit any of the Restricted Subsidiaries to, Incur any Indebtedness (including Acquired Indebtedness); provided, however, that the Company and any of the Restricted Subsidiaries may Incur Indebtedness (including Acquired Indebtedness), if on the date of such Incurrence and after giving pro forma effect thereto (including pro forma application of the proceeds thereof), the Consolidated Total Leverage Ratio would have been no greater than (i) prior to the Merger Closing Date, 5.00:1.00 and (ii) on and after the Merger Closing Date, 4.00:1.00;
5.97× <= 5.00× -19%
Breach
Consolidated Total Leverage Ratio Test (On and After Merger Closing Date)
§ 3.2(a) [5]§ 3.2(a)(a) The Company shall not, and shall not permit any of the Restricted Subsidiaries to, Incur any Indebtedness (including Acquired Indebtedness); provided, however, that the Company and any of the Restricted Subsidiaries may Incur Indebtedness (including Acquired Indebtedness), if on the date of such Incurrence and after giving pro forma effect thereto (including pro forma application of the proceeds thereof), the Consolidated Total Leverage Ratio would have been no greater than (i) prior to the Merger Closing Date, 5.00:1.00 and (ii) on and after the Merger Closing Date, 4.00:1.00;
5.97× <= 4.00× -49%
Breach
Consolidated First Lien Secured Leverage Ratio
§ Permitted Liens (33)(a)
5.32× <= 3.00× -77%
Breach
Alternate view — Pro-forma combined Getty + Shutterstock (§1.01(8) run-rate synergies, contingent on CMA clearance) stress case, shown alongside headline
The indenture §1.01 Consolidated EBITDA definition permits uncapped run-rate synergy add-backs from the Shutterstock merger (§1.01(8)). This alt view represents the contractually-defensible Covenant EBITDA the issuer would report once the merger closes: Getty FY2025 Adjusted EBITDA $320.9M + Shutterstock estimated FY2025 Adjusted EBITDA ~$270M + management-guided run-rate synergies $150-200M (mid $175M), net of ~$15M merger/integration recurring costs = ~$750M. Conservative ballpark midpoint used here is $550M, matching the prior scenario headline and reflecting a stress-case where only ~1/3 of synergies are realized within 12 months. Becomes operative ONLY upon merger close. As of 2026-04-22 the CMA final Phase 2 report is extended to Jun 14, 2026; closing targeted 2026.
Test Alt. Current Threshold Alt. Cushion Alt. Status
Consolidated Total Leverage Ratio Test (Pre-Merger Closing Date) 3.48× <= 5.00× 30% In Compliance
Consolidated Total Leverage Ratio Test (On and After Merger Closing Date) 3.48× <= 4.00× 13% Warning
Consolidated First Lien Secured Leverage Ratio 3.10× <= 3.00× -3% Breach
Inputs overridden: consolidated_ebitda=550000000
Permitted Baskets — Computable § 4.09(b) · 4 dollar-quantified
Clause Basket Resolved Cap Formula Capacity Section
(1) Credit Facilities $314M None
$314M cap
3.2(b)(1)
(7) Capital Lease and Purchase Money Obligations $65M the greater of (x) $65.0 million and (y) 20.0% of LTM EBITDA
$65M cap
3.2(b)(7) [8]§ 3.2(b)(7)(7) Indebtedness (i) represented by Capitalized Lease Obligations or Purchase Money Obligations in an aggregate outstanding principal amount which, when taken together with the principal amount of all other Indebtedness Incurred pursuant to this subclause (i) and then outstanding, does not exceed the greater of (x) $65.0 million and (y) 20.0% of LTM EBITDA at the time of Incurrence, and any Refinancing Indebtedness in respect thereof and (ii) arising out of Sale and Leaseback Transactions;
(11) Non-Guarantor Indebtedness $75M the greater of (a) $75.0 million and (b) 20.0% of LTM EBITDA
$75M cap
3.2(b)(11) [6]§ 3.2(b)(11)(11) Indebtedness of Non-Guarantors in an aggregate principal amount not to exceed the greater of (a) $75.0 million and (b) 20.0% of LTM EBITDA at the time of incurrence, and any Refinancing Indebtedness in respect thereof;
(14) General Indebtedness $80M the greater of (i) $78.0 million and (ii) 25.0% of LTM EBITDA
$80M cap
3.2(b)(14) [7]§ 3.2(b)(14)(14) Indebtedness in an aggregate outstanding principal amount which, when taken together with the principal amount of all other Indebtedness Incurred pursuant to this clause and then outstanding, will not exceed the greater of (i) $78.0 million and (ii) 25.0% of LTM EBITDA and any Refinancing Indebtedness in respect thereof;
Σ Computable basket capacity $534M sum of 4 dollar-quantified clauses
Plus 17 qualitative baskets (unlimited / existing / refinancing / ratio-test) — not dollar-quantified here.
§ 4.12

Permitted Liens Limitation on Liens

In Compliance 3 computable
Permitted Baskets — Computable
Clause Basket Resolved Cap Formula Capacity Section
(1) Liens on Non-Guarantor Assets $75M the greater of $75.0 million and 20.0% of LTM EBITDA
$75M cap
Permitted Liens (1) [10]Permitted Liens (1)(1) Liens on assets or property of a Restricted Subsidiary that is not a Guarantor securing (i) Indebtedness in an aggregate principal amount not exceeding the greater of $75.0 million and 20.0% of LTM EBITDA and (ii) other Obligations of any Restricted Subsidiary that is not a Guarantor;
(22) Additional Liens on Non-Guarantor Assets $75M the greater of $75.0 million and 20.0% of LTM EBITDA
$75M cap
Permitted Liens (22) [11]Permitted Liens (22)(22) Liens securing Indebtedness and other Obligations of any Non-Guarantor covering only assets of such Subsidiary securing (i) Indebtedness of such Non-Guarantor (excluding, for the avoidance of doubt, guarantee obligations in respect of Indebtedness of the Company or any Guarantor) in an aggregate principal amount not exceeding the greater of $75.0 million and 20.0% of LTM EBITDA and (ii) other obligations of such Non-Guarantor, as applicable;
(31) General Liens $32M the greater of (i) $31.0 million and (ii) 10.0% of LTM EBITDA
$32M cap
Permitted Liens (31) [12]Permitted Liens (31)(31) Liens securing Indebtedness and other Obligations in an aggregate principal amount not to exceed the greater of (i) $31.0 million and (ii) 10.0% of LTM EBITDA at the time incurred; provided that any such Liens on the Collateral shall be subject to Applicable Intercreditor Arrangements;
Plus 41 qualitative lien carve-outs (unlimited / existing / refinancing) — standard HY patterns.
§ 4.07

Restricted Payments Limitation on Restricted Payments

In Compliance 4 computable
Permitted Baskets — Computable
Clause Basket Resolved Cap Formula Capacity Section
(6) Repurchase of Equity from Management $32M the greater of $31.0 million and 10.0% of LTM EBITDA in any calendar year
$32M
3.3(b)(6) [18]§ 3.3(b)(6)provided, however, that the aggregate Restricted Payments made under this clause do not exceed the greater of $31.0 million and 10.0% of LTM EBITDA in any calendar year (with unused amounts in any calendar year being carried over to succeeding calendar years);
(10) Post-IPO Dividends $0M 6.0% of the amount of net cash proceeds received by or contributed to the Company or any of its Restricted Subsidiaries from any such public offering
$0M
3.3(b)(10) [19]§ 3.3(b)(10)(10) (i) the declaration and payment of dividends on the common stock or common equity interests of the Company or any Parent Entity... in an amount in any fiscal year not to exceed 6.0% of the amount of net cash proceeds received by or contributed to the Company or any of its Restricted Subsidiaries from any such public offering;
(17) General Restricted Payments $50M the greater of $50.0 million and 15.0% of LTM EBITDA
$50M
3.3(b)(17)(i) [14]§ 3.3(b)(17)(i)(17) (i) Restricted Payments (including loans or advances) in an aggregate amount outstanding at the time made not to exceed the greater of $50.0 million and 15.0% of LTM EBITDA at such time...
(19) General Repurchase of Subordinated Debt $50M the greater of $50.0 million and 15.0% of LTM EBITDA
$50M
3.3(b)(19)(i) [16]§ 3.3(b)(19)(i)(19) (i) the redemption, defeasance, repurchase, exchange or other acquisition or retirement of Subordinated Indebtedness of the Company or any Guarantor in an aggregate amount outstanding at the time made, taken together with all other redemptions, defeasances, repurchases, exchanges or other acquisitions or retirements of Subordinated Indebtedness made pursuant to this clause, not to exceed the greater of $50.0 million and 15.0% of LTM EBITDA at such time...
Builder Basket § 4.07(a)(C) · cumulative capacity since Issue Date
(i) 50% of Consolidated Net Income since Issue Date $-26M
Total gross capacity $0M
Ratio-Conditional Gates unlimited if gate is open
Clause (13) · Dividends on Designated Preferred Stock
for the most recently ended four fiscal quarters for which consolidated financial statements are available... after giving effect to such payment on a pro forma basis, the Company would be permitted to Incur at least $1.00 of additional Indebtedness pursuant to the test set forth in Section 3.2(a)
<= 0.00× gate Not Tested
Clause (17) · Ratio-Based Restricted Payments
pro forma effect to the payment of any such Restricted Payment and the incurrence of any Indebtedness the net proceeds of which are used to make such Restricted Payment, the Consolidated Total Leverage Ratio (A) prior to the Merger Closing Date, shall be no greater than 2.75:1.00 and (B) on and after the Merger Closing Date, shall be no greater than 2.00:1.00
<= 0.00× gate Not Tested
Clause (19) · Ratio-Based Repurchase of Subordinated Debt
immediately after giving pro forma effect to the payment... the Consolidated Total Leverage Ratio shall be no greater than (A) prior to the Merger Closing Date, 3.75:1.00 and (B) on and after the Merger Closing Date, 2.50:1.00
<= 0.00× gate Not Tested
§ III

Pro Forma Scenarios Leverage ratio under joint EBITDA × debt shocks. Green = open, amber = tight, red = warn/breach.

Sensitivity grid · 5×5
EBITDA ↓ / Debt → Base +25% debt
+$479M
+50% debt
+$958M
+100% debt
+$1915M
+190% debt
+$3639M
Base EBITDA
$320.9M
5.97×BREACH 7.46×BREACH 8.95×BREACH 11.94×BREACH 17.31×BREACH
−10% EBITDA
$288.8M
6.63×BREACH 8.29×BREACH 9.95×BREACH 13.26×BREACH 19.23×BREACH
−20% EBITDA
$256.7M
7.46×BREACH 9.33×BREACH 11.19×BREACH 14.92×BREACH 21.64×BREACH
−50% EBITDA
$160.4M
11.94×BREACH 14.92×BREACH 17.91×BREACH 23.88×BREACH 34.62×BREACH
−80% EBITDA
$64.2M
29.84×BREACH 37.31×BREACH 44.77×BREACH 59.69×BREACH 86.55×BREACH
Open · ≥30% cushion Tight · 15–30% Warn · 0–15% Breach
§ IV

Sources & Verbatim Citations Every computed figure traces to a specific clause and page in the source indenture.

19 citations · 1 source PDF
SOURCE   getty_2030_indenture.html EXTRACTED   2026-04-23 18:01 UTC
  1. 3.3(a)(ii)(A) · p. 74
    (A) an amount equal to 50% of Consolidated Net Income for the period (treated as one accounting period) from October 1, 2024, to the end of the most recent fiscal quarter ending prior to the date of such Restricted Payment for which consolidated financial statements are available (or, in the case such Consolidated Net Income is a deficit, minus 100% of such deficit; provided that in no event shall the amount under this clause (A) be less than zero);
  2. 3.3(a)(ii)(B) · p. 74
    (B) 100% of the aggregate amount of cash, and the fair market value of property or assets or marketable securities, received by the Company from the issue or sale of its Capital Stock or as the result of a merger or consolidation with another Person subsequent to the Issue Date or otherwise contributed to the equity (in each case, other than through the issuance of Disqualified Stock or Designated Preferred Stock) of the Company or a Restricted Subsidiary...
  3. 3.3(a)(ii) · p. 74
    (ii) the aggregate amount of such Restricted Payment and all other Restricted Payments made subsequent to the Issue Date (and not returned or rescinded) (including Permitted Payments (as defined below) made pursuant to Section 3.3(b)(1) (without duplication) and (7), but excluding all other Restricted Payments made pursuant to Section 3.3(b)) would exceed the sum of (without duplication): (A) an amount equal to 50% of Consolidated Net Income for the period (treated as one accounting period) from October 1, 2024, to the end of the most recent fiscal quarter...
  4. 3.2.(a) · p. 67
    (a) The Company shall not, and shall not permit any of the Restricted Subsidiaries to, Incur any Indebtedness (including Acquired Indebtedness); provided, however, that the Company and any of the Restricted Subsidiaries may Incur Indebtedness (including Acquired Indebtedness), if on the date of such Incurrence and after giving pro forma effect thereto (including pro forma application of the proceeds thereof), the Consolidated Total Leverage Ratio would have been no greater than (i) prior to the Merger Closing Date, 5.00:1.00 and (ii) on and after the Merger Closing Date, 4.00:1.00;
  5. 3.2.(a) · p. 67
    (a) The Company shall not, and shall not permit any of the Restricted Subsidiaries to, Incur any Indebtedness (including Acquired Indebtedness); provided, however, that the Company and any of the Restricted Subsidiaries may Incur Indebtedness (including Acquired Indebtedness), if on the date of such Incurrence and after giving pro forma effect thereto (including pro forma application of the proceeds thereof), the Consolidated Total Leverage Ratio would have been no greater than (i) prior to the Merger Closing Date, 5.00:1.00 and (ii) on and after the Merger Closing Date, 4.00:1.00;
  6. 3.2(b)(11) · p. 69
    (11) Indebtedness of Non-Guarantors in an aggregate principal amount not to exceed the greater of (a) $75.0 million and (b) 20.0% of LTM EBITDA at the time of incurrence, and any Refinancing Indebtedness in respect thereof;
  7. 3.2(b)(14) · p. 69
    (14) Indebtedness in an aggregate outstanding principal amount which, when taken together with the principal amount of all other Indebtedness Incurred pursuant to this clause and then outstanding, will not exceed the greater of (i) $78.0 million and (ii) 25.0% of LTM EBITDA and any Refinancing Indebtedness in respect thereof;
  8. 3.2(b)(7) · p. 68
    (7) Indebtedness (i) represented by Capitalized Lease Obligations or Purchase Money Obligations in an aggregate outstanding principal amount which, when taken together with the principal amount of all other Indebtedness Incurred pursuant to this subclause (i) and then outstanding, does not exceed the greater of (x) $65.0 million and (y) 20.0% of LTM EBITDA at the time of Incurrence, and any Refinancing Indebtedness in respect thereof and (ii) arising out of Sale and Leaseback Transactions;
  9. 3.2(b)(10) · p. 68
    (10) Indebtedness in an aggregate outstanding principal amount which, when taken together with the principal amount of all other Indebtedness incurred pursuant to this clause (10) and then outstanding, will not exceed 100% of the net cash proceeds received by the Company from the issuance or sale (other than to a Restricted Subsidiary) of its Capital Stock or otherwise contributed to the equity (in each case, other than through the issuance of Disqualified Stock, Designated Preferred Stock or an Excluded Contribution) of the Company, in each case, subsequent to the Issue Date, and any Refinancing Indebtedness in respect thereof;
  10. Permitted Liens (1) · p. 33
    (1) Liens on assets or property of a Restricted Subsidiary that is not a Guarantor securing (i) Indebtedness in an aggregate principal amount not exceeding the greater of $75.0 million and 20.0% of LTM EBITDA and (ii) other Obligations of any Restricted Subsidiary that is not a Guarantor;
  11. Permitted Liens (22) · p. 37
    (22) Liens securing Indebtedness and other Obligations of any Non-Guarantor covering only assets of such Subsidiary securing (i) Indebtedness of such Non-Guarantor (excluding, for the avoidance of doubt, guarantee obligations in respect of Indebtedness of the Company or any Guarantor) in an aggregate principal amount not exceeding the greater of $75.0 million and 20.0% of LTM EBITDA and (ii) other obligations of such Non-Guarantor, as applicable;
  12. Permitted Liens (31) · p. 38
    (31) Liens securing Indebtedness and other Obligations in an aggregate principal amount not to exceed the greater of (i) $31.0 million and (ii) 10.0% of LTM EBITDA at the time incurred; provided that any such Liens on the Collateral shall be subject to Applicable Intercreditor Arrangements;
  13. 3.3(b)(13) · p. 78
    provided, further, in the case of clauses (i) and (iii), that for the most recently ended four fiscal quarters for which consolidated financial statements are available (which may, at the Company’s election, be internal financial statements) immediately preceding the date of issuance of such Designated Preferred Stock or declaration of such dividends on such Refunding Capital Stock, after giving effect to such payment on a pro forma basis, the Company would be permitted to Incur at least $1.00 of additional Indebtedness pursuant to the test set forth in Section 3.2(a);
  14. 3.3(b)(17)(i) · p. 79
    (17) (i) Restricted Payments (including loans or advances) in an aggregate amount outstanding at the time made not to exceed the greater of $50.0 million and 15.0% of LTM EBITDA at such time...
  15. 3.3(b)(17)(ii) · p. 79
    (ii) any Restricted Payments, so long as (x) immediately after giving effect to any such Restricted Payment, no Default or Event of Default shall have occurred and be continuing or would result therefrom and (y) pro forma effect to the payment of any such Restricted Payment and the incurrence of any Indebtedness the net proceeds of which are used to make such Restricted Payment, the Consolidated Total Leverage Ratio (A) prior to the Merger Closing Date, shall be no greater than 2.75:1.00 and (B) on and after the Merger Closing Date, shall be no greater than 2.00:1.00;
  16. 3.3(b)(19) · p. 79
    (19) (i) the redemption, defeasance, repurchase, exchange or other acquisition or retirement of Subordinated Indebtedness of the Company or any Guarantor in an aggregate amount outstanding at the time made, taken together with all other redemptions, defeasances, repurchases, exchanges or other acquisitions or retirements of Subordinated Indebtedness made pursuant to this clause, not to exceed the greater of $50.0 million and 15.0% of LTM EBITDA at such time...
  17. 3.3(b)(19) · p. 79
    (ii) the redemption, defeasance, repurchase, exchange or other acquisition or retirement of Subordinated Indebtedness of the Company or any Guarantor, so long as, (x) immediately after giving effect to any such Restricted Payment, no Default or Event of Default shall have occurred and be continuing or would result therefrom and (y) immediately after giving pro forma effect to the payment of any such Restricted Payment and the incurrence of any Indebtedness the net proceeds of which are used to make such Restricted Payment, the Consolidated Total Leverage Ratio shall be no greater than (A) prior to the Merger Closing Date, 3.75:1.00 and (B) on and after the Merger Closing Date, 2.50:1.00;
  18. 3.3(b)(6) · p. 77
    provided, however, that the aggregate Restricted Payments made under this clause do not exceed the greater of $31.0 million and 10.0% of LTM EBITDA in any calendar year (with unused amounts in any calendar year being carried over to succeeding calendar years);
  19. 3.3(b)(10) · p. 78
    (10) (i) the declaration and payment of dividends on the common stock or common equity interests of the Company or any Parent Entity... in an amount in any fiscal year not to exceed 6.0% of the amount of net cash proceeds received by or contributed to the Company or any of its Restricted Subsidiaries from any such public offering;
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