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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