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CONSUMER RECEIVABLES, NET (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Aging Analysis of Consumer Receivables held for Investment | The following table presents an aging analysis of the amortized cost of consumer receivables by delinquency status (in thousands):
| December 31, 2024 |  | December 31, 2023 |  |
Non-delinquent loans | $ | 2,227,348 |  |  | $ | 2,074,532 |  |  |
1 - 60 days past due | 369,173 |  |  | 453,412 |  |  |
61 - 90 days past due | 29,334 |  |  | 26,798 |  |  |
90+ days past due | 80,817 |  |  | 75,227 |  |  |
Total amortized cost | $ | 2,706,672 |  |  | $ | 2,629,969 |  |  |
Change in Allowance for Credit Losses | The following table summarizes activity in the allowance for credit losses subsequent to the acquisition of Afterpay (in thousands):
| Year Ended December 31,
| 2024 |  | 2023 |  |
Allowance for credit losses, beginning of the period | $ | 185,275 |  |  | $ | 151,290 |  |  |
Provision for credit losses | 293,921 |  |  | 261,296 |  |  |
Charge-offs and other adjustments | (271,727) |  |  | (228,845) |  |  |
Foreign exchange effect | (5,676) |  |  | 1,534 |  |  |
Allowance for credit losses, end of the period | $ | 201,793 |  |  | $ | 185,275 |  |  |

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