v3.25.2
RECEIVABLES - Allowance for Credit Losses Activity (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Allowance for credit losses, Current:          
Beginning balance $ 130,069 $ 118,365 $ 129,983 $ 114,745  
Charge-offs (14,073) (7,180) (31,577) (14,183)  
Recoveries 684 1,124 1,156 1,508  
Provision (benefit) 24,444 11,771 41,540 22,283  
Foreign currency translation and other 536 (109) 558 (382)  
Ending balance 141,660 123,971 141,660 123,971  
Receivables:          
Ending Balance 14,141,801 14,532,776 14,141,801 14,532,776 $ 14,122,539
Retail customer          
Allowance for credit losses, Current:          
Beginning balance 114,498 104,244 114,935 101,649  
Charge-offs (12,496) (6,034) (28,456) (11,887)  
Recoveries 436 910 709 1,185  
Provision (benefit) 23,054 7,116 38,285 15,529  
Foreign currency translation and other 458 (91) 477 (331)  
Ending balance 125,950 106,145 125,950 106,145  
Receivables:          
Ending Balance 9,204,652 8,504,298 9,204,652 8,504,298  
Revolving charge accounts          
Allowance for credit losses, Current:          
Beginning balance 8,164 8,396 7,603 7,594  
Charge-offs (1,577) (1,146) (3,087) (2,296)  
Recoveries 242 206 439 302  
Provision (benefit) 1,571 2,302 3,444 4,170  
Foreign currency translation and other 28 (7) 29 (19)  
Ending balance 8,428 9,751 8,428 9,751  
Receivables:          
Ending Balance 268,530 259,572 268,530 259,572  
Wholesale.          
Allowance for credit losses, Current:          
Beginning balance 7,407 5,725 7,445 5,502  
Charge-offs     (34)    
Recoveries 6 8 8 21  
Provision (benefit) (181) 2,353 (189) 2,584  
Foreign currency translation and other 50 (11) 52 (32)  
Ending balance 7,282 8,075 7,282 8,075  
Receivables:          
Ending Balance $ 4,668,619 $ 5,768,906 $ 4,668,619 $ 5,768,906