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Fair Value Measurements (Tables) | 9 Months Ended
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Sep. 30, 2025
Fair Value Disclosures [Abstract] |
Schedule of Financial Assets and Liabilities Measured at Fair Value on Recurring Basis | Financial assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands):
| Fair Value Measurements as of September 30, 2025
| Level 1 |  | Level 2 |  | Level 3 |  | Total
Assets |  |  |  |  |  |  |
Interest rate cap contracts | $ | — |  |  | $ | 188 |  |  | $ | — |  |  | $ | 188 |
Liabilities |  |  |  |  |  |  |
Interest rate swap agreements | — |  |  | (19,040) |  |  | — |  |  | (19,040) |
| Fair Value Measurements as of December 31, 2024
| Level 1 |  | Level 2 |  | Level 3 |  | Total
Assets |  |  |  |  |  |  |
Interest rate cap contracts | $ | — |  |  | $ | 252 |  |  | $ | — |  |  | $ | 252 |
Liabilities |  |  |  |  |  |  |
Interest rate swap agreements | — |  |  | (18,360) |  |  | — |  |  | (18,360) |
Schedule of Financial Instruments Not Required to be Carried at Fair Value | The carrying amounts in the following table are included in the condensed consolidated statements of financial condition as of September 30, 2025 and December 31, 2024 (in thousands):
|  |  | September 30, 2025 |  | December 31, 2024
| Fair Value Level |  | Carrying Amount |  | Estimated Fair Value |  | Carrying Amount |  | Estimated Fair Value
Financial Assets |  |  |  |  |  |  |  |  |
Cash and cash equivalents | Level 1 |  | $ | 172,488 |  |  | $ | 172,488 |  |  | $ | 199,865 |  |  | $ | 199,865 |
Receivable portfolios, net | Level 3 |  | 4,270,016 |  |  | 4,547,021 |  |  | 3,776,369 |  |  | 4,052,645 |
Other assets(2) | Level 2 |  | 114,096 |  |  | 114,096 |  |  | 128,674 |  |  | 128,674 |
Financial Liabilities |  |  |  |  |  |  |  |  |
Accounts payable and accrued liabilities | Level 2 |  | 259,884 |  |  | 259,884 |  |  | 233,545 |  |  | 233,545 |
Global senior secured revolving credit facility | Level 2 |  | 927,250 |  |  | 927,250 |  |  | 865,365 |  |  | 865,365 |
Senior secured notes(1) | Level 2 |  | 1,938,354 |  |  | 1,988,005 |  |  | 1,843,386 |  |  | 1,893,367 |
Convertible senior notes due October 2025 | Level 2 |  | 100,000 |  |  | 105,915 |  |  | 100,000 |  |  | 129,100 |
Convertible senior notes due March 2029 | Level 2 |  | 230,000 |  |  | 227,578 |  |  | 230,000 |  |  | 232,611 |
Cabot securitisation senior facility | Level 2 |  | 342,899 |  |  | 342,899 |  |  | 319,137 |  |  | 319,137 |
U.S. facility | Level 2 |  | 352,500 |  |  | 352,500 |  |  | 283,500 |  |  | 283,500 |
Other borrowings | Level 2 |  | 70,270 |  |  | 70,270 |  |  | 64,904 |  |  | 64,904 |
Other liabilities(2) | Level 2 |  | 92,247 |  |  | 92,247 |  |  | 97,731 |  |  | 97,731 |
_______________________ (1)Carrying amount represents historical cost, adjusted for any related debt discount. (2)Only includes financial instruments not required to be carried at fair value. Derivative instruments, which are required to be carried at fair value are excluded.

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- Definition Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: 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 2: 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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