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Investment in receivables, net (Tables) - Investments in receivables, net | 12 Months Ended
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Dec. 31, 2025
Investment in receivables, net |
Schedule of roll forward of the balance of the investment in receivables, net and negative allowance for expected recoveries | The following table presents the roll forward of the balance of the investment in receivables, net for the following years (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the Year Ended
​ | ​ | December 31,
​ | ​ ​ ​ | 2025 | ​ ​ ​ | 2024
Balance, beginning of year | ​ | $ | 1,497,748 | ​ | $ | 984,496
Purchases | ​ | ​ | 832,077 | ​ | ​ | 723,253
Cash collections | ​ | ​ | (998,637) | ​ | ​ | (584,559)
Total portfolio income | ​ | ​ | 560,416 | ​ | ​ | 396,304
Changes in expected current period recoveries | ​ | ​ | 8,089 | ​ | ​ | 12,522
Changes in expected future period recoveries | ​ | ​ | (2,088) | ​ | ​ | (12,941)
Foreign currency adjustments | ​ | ​ | 31,137 | ​ | ​ | (21,327)
Balance, end of year | ​ | $ | 1,928,742 | ​ | $ | 1,497,748
​ The table below provides the detail on the establishment of negative allowance for expected recoveries of portfolios purchased during the years presented (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the Year Ended | ​
​ | ​ | December 31, | ​
​ | ​ ​ ​ | 2025 | ​ ​ ​ | 2024 | ​ ​ ​
Purchase price | ​ | $ | 832,077 | ​ | $ | 497,189 | ​
Allowance for credit losses | ​ | ​ | 11,496,126 | ​ | ​ | 8,161,280 | ​
Amortized cost | ​ | ​ | 12,328,203 | ​ | ​ | 8,658,469 | ​
Noncredit discount | ​ | ​ | 702,539 | ​ | ​ | 540,042 | ​
Face value | ​ | ​ | 13,030,742 | ​ | ​ | 9,198,511 | ​
Write-off of amortized cost | ​ | ​ | (12,328,203) | ​ | ​ | (8,658,469) | ​
Write-off of noncredit discount | ​ | ​ | (702,539) | ​ | ​ | (540,042) | ​
Negative allowance | ​ | ​ | 832,077 | ​ | ​ | 497,189 | ​
Negative allowance for expected recoveries | ​ | $ | 832,077 | ​ | $ | 497,189 | ​
Schedule of information on the past due and non-accrual buckets for the assets acquired in the Conn's portfolio purchase | The table below presents the information on the past due and non-accrual buckets for the assets acquired in the Conn’s portfolio purchase, and does not include all other purchased loans as they were charged-off at the time of purchase, as of December 31, 2025 and 2024 (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
Delinquency vintage | ​ ​ ​ | 2025 | ​ ​ ​ | 2024
United States | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 326,381 | ​ | $ | 352,403
30-59 | ​ | ​ | 49,467 | ​ | ​ | 33,683
60-89 | ​ | ​ | 39,402 | ​ | ​ | 29,685
>90 | ​ | ​ | 109,562 | ​ | ​ | 121,337
Total | ​ | $ | 524,812 | ​ | $ | 537,108
Schedule of non-accrual performing loans by segment | The following table presents non-accrual performing loans by segment as of December 31, 2025 and 2024 (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2025 | ​ | 2024
​ | ​ | ​ | ​ | ​ | Nonaccrual | ​ | ​ | ​ | ​ | Nonaccrual
​ | ​ | ​ | ​ | ​ | with No | ​ | ​ | ​ | ​ | with No
​ | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance
United States | ​ | ​ | 109,562 | ​ | ​ | — | ​ | ​ | 121,337 | ​ | ​ | —
Total | ​ | $ | 109,562 | ​ | $ | — | ​ | $ | 121,337 | ​ | $ | —

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