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Investment in receivables, net (Tables) - Investments in receivables, net | 3 Months Ended
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Mar. 31, 2026
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 periods (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the Three Months Ended
​ | ​ | March 31,
​ | ​ ​ ​ | 2026 | ​ ​ ​ | 2025
Balance, beginning of year | ​ | $ | 1,928,742 | ​ | $ | 1,497,748
Purchases | ​ | ​ | 149,705 | ​ | ​ | 175,222
Cash collections | ​ | ​ | (309,898) | ​ | ​ | (260,891)
Total portfolio income | ​ | ​ | 157,606 | ​ | ​ | 138,693
Changes in expected current period recoveries | ​ | ​ | 10,731 | ​ | ​ | 6,398
Changes in expected future period recoveries | ​ | ​ | (3,674) | ​ | ​ | (2,777)
Foreign currency adjustments | ​ | ​ | (4,143) | ​ | ​ | 7,202
Balance, end of period | ​ | $ | 1,929,069 | ​ | $ | 1,561,595
​ The table below provides the detail on the establishment of negative allowance for expected recoveries of portfolios purchased during the periods presented (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the Three Months Ended | ​
​ | ​ | March 31, | ​
​ | ​ ​ ​ | 2026 | ​ ​ ​ | 2025 | ​ ​ ​
Purchase price | ​ | $ | 149,705 | ​ | $ | 175,222 | ​
Allowance for credit losses | ​ | ​ | 2,417,429 | ​ | ​ | 2,434,302 | ​
Amortized cost | ​ | ​ | 2,567,134 | ​ | ​ | 2,609,524 | ​
Noncredit discount | ​ | ​ | 141,038 | ​ | ​ | 147,851 | ​
Face value | ​ | ​ | 2,708,172 | ​ | ​ | 2,757,375 | ​
Write-off of amortized cost | ​ | ​ | (2,567,134) | ​ | ​ | (2,609,524) | ​
Write-off of noncredit discount | ​ | ​ | (141,038) | ​ | ​ | (147,851) | ​
Negative allowance | ​ | ​ | 149,705 | ​ | ​ | 175,222 | ​
Negative allowance for expected recoveries | ​ | $ | 149,705 | ​ | $ | 175,222 | ​
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 and Bluestem portfolio purchases, and does not include all other purchased loans as they were charged-off at the time of purchase (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​
​ | ​ | As of March 31, | ​ | As of December 31,
Delinquency vintage | ​ ​ ​ | 2026 | ​ ​ ​ | 2025
United States | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 217,681 | ​ | $ | 326,381
30-59 | ​ | ​ | 26,602 | ​ | ​ | 49,467
60-89 | ​ | ​ | 19,470 | ​ | ​ | 39,402
>90 | ​ | ​ | 145,137 | ​ | ​ | 109,562
Total | ​ | $ | 408,890 | ​ | $ | 524,812
Schedule of non-accrual performing loans by segment | The following table presents non-accrual performing loans by segment (in thousands).
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of March 31, | ​ | As of December 31,
​ | ​ | 2026 | ​ | 2025
​ | ​ | ​ | ​ | ​ | Nonaccrual | ​ | ​ | ​ | ​ | Nonaccrual
​ | ​ | ​ | ​ | ​ | with No | ​ | ​ | ​ | ​ | with No
​ | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance
United States | ​ | ​ | 145,137 | ​ | ​ | — | ​ | ​ | 109,562 | ​ | ​ | —
Total | ​ | $ | 145,137 | ​ | $ | — | ​ | $ | 109,562 | ​ | $ | —
​

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