v3.25.2
Loans and Finance Receivables - Schedule of Changes in Fair Value of Company-owned Loans and Finance Receivables (Detail) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Accounts Notes And Loans Receivable [Line Items]        
Balance at beginning of period $ 4,569,819 $ 3,795,210 $ 4,386,444 [1] $ 3,629,167
Originations or acquisitions [2] 1,786,407 1,395,860 3,504,263 2,763,058
Interest and fees [3] 754,577 619,340 1,489,998 1,220,548
Repayments (2,019,279) (1,611,823) (3,975,107) (3,151,166)
Charge-offs, net [4] (342,880) (268,386) (693,216) (555,084)
Net change in fair value [4] 22,324 12,406 55,180 36,998
Effect of foreign currency translation 2,347 (3,448) 5,753 (4,362)
Balance at end of period [1] 4,773,315 3,939,159 4,773,315 3,939,159
Consumer        
Accounts Notes And Loans Receivable [Line Items]        
Balance at beginning of period 1,616,337 1,347,165 1,639,307 1,380,784
Originations or acquisitions [2] 547,572 477,846 1,044,194 885,109
Interest and fees [3] 428,311 367,558 859,136 732,289
Repayments (710,838) (603,296) (1,447,604) (1,225,016)
Charge-offs, net [4] (215,004) (161,171) (442,789) (348,590)
Net change in fair value [4] (389) (2,840) 10,339 1,600
Effect of foreign currency translation 2,347 (3,448) 5,753 (4,362)
Balance at end of period 1,668,336 1,421,814 1,668,336 1,421,814
Small Business        
Accounts Notes And Loans Receivable [Line Items]        
Balance at beginning of period 2,953,482 2,448,045 2,747,137 2,248,383
Originations or acquisitions [2] 1,238,835 918,014 2,460,069 1,877,949
Interest and fees [3] 326,266 251,782 630,862 488,259
Repayments (1,308,441) (1,008,527) (2,527,503) (1,926,150)
Charge-offs, net [4] (127,876) (107,215) (250,427) (206,494)
Net change in fair value [4] 22,713 15,246 44,841 35,398
Balance at end of period $ 3,104,979 $ 2,517,345 $ 3,104,979 $ 2,517,345
[1] Includes amounts in wholly-owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.
[2] Originations or acquisitions is presented on a cost basis
[3] Included in “Revenue” in the consolidated statements of income.
[4] Included in “Change in Fair Value” in the consolidated statements of income.