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Leased Merchandise, Net (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Leased Merchandise, Net | Leased merchandise, net consists of the following (in thousands):
| As of September 30, |  | As of December 31,
| 2025 |  | 2024 |  | 2024
Leased merchandise | $ | 242,961 |  |  | $ | 348,675 |  |  | $ | 319,444 |
Processing fees | (2,040) |  |  | (3,809) |  |  | (2,960) |
Merchant partner (discounts) and premiums, net | 302 |  |  | 1,034 |  |  | 493 |
Accumulated depreciation | (77,457) |  |  | (114,762) |  |  | (108,283) |
Leased merchandise, before allowance for lease losses | 163,766 |  |  | 231,138 |  |  | 208,694 |
Less allowance for lease losses | (64,041) |  |  | (93,369) |  |  | (80,257) |
Leased merchandise, net | $ | 99,725 |  |  | $ | 137,769 |  |  | $ | 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 |  | Nine Months Ended
| September 30, |  | September 30,
| 2025 |  | 2024 |  | 2025 |  | 2024
Balance at beginning of period | $ | 69,667 |  |  | $ | 102,778 |  |  | $ | 80,257 |  |  | $ | 95,127 |
Provision for lease losses | 27,920 |  |  | 39,171 |  |  | 88,025 |  |  | 129,834 |
Charge-offs | (35,189) |  |  | (50,228) |  |  | (110,196) |  |  | (136,907) |
Recoveries | 1,643 |  |  | 1,648 |  |  | 5,955 |  |  | 5,315 |
Balance at end of period | $ | 64,041 |  |  | $ | 93,369 |  |  | $ | 64,041 |  |  | $ | 93,369 |

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