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v3.25.3

Fair Value Measurements - Financial Instruments Not Required to be Carried at Fair Value (Details) - USD ($) $ in Thousands | Sep. 30, 2025 | Dec. 31, 2024
--- | --- | ---
Carrying Amount | Level 1 |  |
Financial Assets |  |
Cash and Cash Equivalents, Fair Value Disclosure | $ 172,488 | $ 199,865
Carrying Amount | Level 3 |  |
Financial Assets |  |
Receivable portfolios, net | 4,270,016 | 3,776,369
Carrying Amount | Level 2 |  |
Financial Assets |  |
Other Assets, Fair Value Disclosure | 114,096 | 128,674
Financial Liabilities |  |
Accounts Payable and Accrued Liabilities, Fair Value Disclosure | 259,884 | 233,545
Other Liabilities, Fair Value Disclosure | 92,247 | 97,731
Carrying Amount | Other borrowings | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 70,270 | 64,904
Carrying Amount | Global senior secured revolving credit facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 927,250 | 865,365
Carrying Amount | Cabot securitisation senior facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 342,899 | 319,137
Carrying Amount | U.S. facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 352,500 | 283,500
Carrying Amount | Senior secured notes | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 1,938,354 | 1,843,386
Carrying Amount | Convertible senior notes due October 2025 | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 100,000 | 100,000
Carrying Amount | Convertible senior notes due March 2029 | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 230,000 | 230,000
Estimated Fair Value | Level 1 |  |
Financial Assets |  |
Cash and Cash Equivalents, Fair Value Disclosure | 172,488 | 199,865
Estimated Fair Value | Level 3 |  |
Financial Assets |  |
Receivable portfolios, net | 4,547,021 | 4,052,645
Estimated Fair Value | Level 2 |  |
Financial Assets |  |
Other Assets, Fair Value Disclosure | 114,096 | 128,674
Financial Liabilities |  |
Accounts Payable and Accrued Liabilities, Fair Value Disclosure | 259,884 | 233,545
Other Liabilities, Fair Value Disclosure | 92,247 | 97,731
Estimated Fair Value | Other borrowings | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 70,270 | 64,904
Estimated Fair Value | Global senior secured revolving credit facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 927,250 | 865,365
Estimated Fair Value | Cabot securitisation senior facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 342,899 | 319,137
Estimated Fair Value | U.S. facility | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 352,500 | 283,500
Estimated Fair Value | Senior secured notes | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 1,988,005 | 1,893,367
Estimated Fair Value | Convertible senior notes due October 2025 | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | 105,915 | 129,100
Estimated Fair Value | Convertible senior notes due March 2029 | Level 2 |  |
Financial Liabilities |  |
Debt instrument, fair value disclosure | $ 227,578 | $ 232,611

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- Definition Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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