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v3.25.1

Leased Merchandise, Net (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Leased Merchandise, Net | Leased merchandise, net consists of the following (in thousands):
| As of March 31, |  | As of December 31,
| 2025 |  | 2024 |  | 2024
Leased merchandise | $ | 271,535 |  |  | $ | 369,298 |  |  | $ | 319,444 |
Processing fees | (2,276) |  |  | (4,022) |  |  | (2,960) |
Merchant partner discounts and premiums, net | 6 |  |  | 2,203 |  |  | 493 |
Accumulated depreciation | (96,868) |  |  | (114,431) |  |  | (108,283) |
Leased merchandise, before allowance for lease losses | 172,397 |  |  | 253,048 |  |  | 208,694 |
Less allowance for lease losses | (68,785) |  |  | (95,263) |  |  | (80,257) |
Leased merchandise, net | $ | 103,612 |  |  | $ | 157,785 |  |  | $ | 128,437 |
Leased Merchandise, Allowance for Credit Loss | The following table details the changes in the allowance for lease losses (in thousands):
| Three Months Ended |  |
| March 31, |  |
| 2025 |  | 2024 |  |  |  |
Balance at beginning of period | $ | 80,257 |  |  | $ | 95,127 |  |  |  |  |
Provision for lease losses | 27,562 |  |  | 43,010 |  |  |  |  |
Charge-offs | (41,374) |  |  | (44,877) |  |  |  |  |
Recoveries | 2,340 |  |  | 2,003 |  |  |  |  |
Balance at end of period | $ | 68,785 |  |  | $ | 95,263 |  |  |  |  |

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