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CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net earnings $ 36,608 $ 38,134
Adjustments to reconcile net earnings to net cash (used in) provided by operating activities:    
Provision for credit losses 37,273 43,694
Depreciation 32,144 65,741
Deferred income taxes 16,894 (24,595)
Stock-based compensation expense 8,749 28,093
Non-cash lease expense (including impairment of right-of-use assets) 5,495 13,813
Other adjustments, net (1,255) 373
Changes in assets and liabilities:    
Accounts receivable (37,863) (44,665)
Other assets 14,472 21,094
Accounts payable and other liabilities (13,865) (3,945)
Operating lease liabilities (9,745) (13,870)
Income taxes payable and receivable (1,727) (8,307)
Deferred revenue (12,191) 344
Net cash provided by operating activities 74,989 115,904
Cash flows from investing activities:    
Capital expenditures (40,872) (37,547)
Proceeds from sales of fixed assets 75 6
Net cash used in investing activities (40,797) (37,541)
Cash flows from financing activities:    
Purchases of treasury stock (102,657) (25,675)
Purchase of noncontrolling interests 0 (16,019)
Withholding taxes paid on behalf of employees on net settled stock-based awards (6,907) (5,652)
Distribution from IAC pursuant to the tax sharing agreement 0 (198)
Net cash used in financing activities (109,564) (47,544)
Total cash (used) provided (75,372) 30,819
Effect of exchange rate changes on cash and cash equivalents and restricted cash (484) 448
Net (decrease) increase in cash and cash equivalents and restricted cash (75,856) 31,267
Cash and cash equivalents and restricted cash at beginning of period 416,545 364,301
Cash and cash equivalents and restricted cash at end of period $ 340,689 $ 395,568