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v3.25.3

Receivable Portfolios, Net - Change in the Balance in Receivable Portfolios, Net (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 9 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Jun. 30, 2025 | Sep. 30, 2025 | Sep. 30, 2024
Receivables Portfolio, Net [Roll Forward] |  |  |  |  |
Balance, beginning of period | $ 4,184,780 | $ 3,583,322 | $ 3,776,369 | $ 3,776,369 | $ 3,468,432
Negative allowance for expected recoveries - current period purchases | 346,069 | 282,485 |  | 1,081,019 | 856,891
Collections applied to investment in receivable portfolios, net | (292,892) | (222,149) |  | (846,292) | (641,982)
Changes in recoveries | 63,636 | 12,675 |  | 140,699 | 6,020
Put-backs and recalls | (5,237) | (4,577) |  | (14,796) | (12,023)
Disposals and transfers to real estate owned | (949) | (7,055) |  | (2,960) | (10,153)
Foreign currency translation adjustments | (25,391) | 74,559 |  | 135,977 | 52,075
Balance, end of period | 4,270,016 | 3,719,260 | 4,184,780 | 4,270,016 | 3,719,260
Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price [Abstract] |  |  |  |  |
Purchase price | 346,069 | 282,485 |  | 1,081,019 | 856,891
Allowance for credit losses | 859,199 | 667,584 |  | 2,939,336 | 1,961,740
Amortized cost | 1,205,268 | 950,069 |  | 4,020,355 | 2,818,631
Noncredit discount | 1,562,698 | 1,220,316 |  | 5,164,621 | 3,688,070
Face value | 2,767,966 | 2,170,385 |  | 9,184,976 | 6,506,701
Write-off of amortized cost | (1,205,268) | (950,069) |  | (4,020,355) | (2,818,631)
Write-off of noncredit discount | (1,562,698) | (1,220,316) |  | (5,164,621) | (3,688,070)
Negative allowance | 346,069 | 282,485 |  | 1,081,019 | 856,891
Negative allowance for expected recoveries - portfolio purchases | 346,069 | 282,485 |  | 1,081,019 | 856,891
Collections applied to principal balance (debt purchasing) |  |  |  |  |
Cash Collections | 663,018 | 550,268 |  | 1,922,810 | 1,607,883
Less - amounts classified to portfolio revenue | (370,126) | (328,119) |  | (1,076,518) | (965,901)
Collections applied to receivable portfolios, net | 292,892 | 222,149 |  | 846,292 | 641,982
Changes in expected recoveries |  |  |  |  |
Recoveries above forecast | 61,459 | 22,962 |  | 140,674 | 51,258
Changes in expected future recoveries | 2,177 | (10,287) | $ (2,200) | 25 | (45,238)
Changes in recoveries | $ 63,636 | $ 12,675 |  | $ 140,699 | $ 6,020

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