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Unaudited Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Operating activities    
Net income $ 806,332 $ 757,728
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 90,944 88,902
Stock-based compensation 74,826 80,593
Provision for credit losses on accounts and other receivables 89,841 81,561
Amortization of deferred financing costs and discounts 15,205 5,876
Amortization of intangible assets and premium on receivables 185,757 169,746
Loss on extinguishment of debt 1,596 5,040
Deferred income taxes (38,503) (18,985)
Other non-cash operating (income) expense, net 3,149 572
Changes in operating assets and liabilities (net of acquisitions/disposition):    
Accounts and other receivables (933,208) (584,649)
Prepaid expenses and other current assets (53,877) (52,944)
Derivative assets and liabilities, net (57,495) (13,077)
Other assets 11,712 (17,374)
Accounts payable, accrued expenses and customer deposits 490,884 788,904
Net cash provided by operating activities 687,163 1,291,893
Investing activities    
Acquisitions, net of cash acquired (154,648) (245,719)
Purchases of property and equipment (148,315) (131,067)
Proceeds from sale of cost method investment 14,843 0
Other 5,198 (1,453)
Net cash used in investing activities (282,922) (378,239)
Financing activities    
Proceeds from issuance of common stock 63,018 184,668
Repurchase of common stock (282,583) (1,039,248)
Borrowings on securitization facility, net 432,000 7,000
Deferred financing costs (10,827) (8,493)
Proceeds from notes payable 750,000 825,000
Principal payments on notes payable (147,855) (92,625)
Borrowings from revolver 6,435,000 7,167,000
Payments on revolver (7,341,000) (6,743,000)
Borrowing (payments) on swing line of credit, net 692 (140,713)
Other (730) 16,647
Net cash (used in) provided by financing activities (102,285) 176,236
Effect of foreign currency exchange rates on cash 156,092 (76,414)
Net increase in cash and cash equivalents and restricted cash 458,048 1,013,476
Cash and cash equivalents and restricted cash, beginning of period 4,456,345 3,141,535
Cash and cash equivalents and restricted cash, end of period 4,914,393 4,155,011
Supplemental cash flow information    
Cash paid for interest 357,377 369,804
Cash paid for income taxes $ 381,403 $ 264,559