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CONSUMER RECEIVABLES, NET (Tables)
 12 Months Ended
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, 2024December 31, 2023
Non-delinquent loans$2,227,348 $2,074,532 
1 - 60 days past due369,173 453,412 
61 - 90 days past due29,334 26,798 
90+ days past due80,817 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,
20242023
Allowance for credit losses, beginning of the period$185,275 $151,290 
Provision for credit losses293,921 261,296 
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