XML 53 R43.htm IDEA: XBRL DOCUMENT 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