RECEIVABLES - Aging of Receivables (Details) - USD ($)
$ in Thousands |
6 Months Ended |
12 Months Ended |
Jun. 30, 2025 |
Dec. 31, 2024 |
| Financing receivable, recorded investment |
|
|
| Minimum account delinquency period for an account to be classified as past due |
30 days
|
30 days
|
| Retail customer |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
$ 9,204,652
|
$ 9,039,808
|
| Charge-offs |
|
|
| Total |
28,456
|
31,918
|
| Retail customer | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
166,924
|
137,518
|
| Retail customer | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
72,074
|
55,971
|
| Retail customer | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
23,396
|
15,644
|
| Retail customer | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
71,454
|
65,903
|
| Retail customer | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
9,037,728
|
8,902,290
|
| Retail customer | United States |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
1,600,729
|
3,412,242
|
| Originated in fiscal year before latest fiscal year |
2,725,666
|
1,931,369
|
| Originated two years before latest fiscal year |
1,542,644
|
1,224,272
|
| Originated three years before latest fiscal year |
1,003,957
|
623,733
|
| Originated four years before latest fiscal year |
460,047
|
237,081
|
| Originated five years before latest fiscal year |
180,999
|
52,809
|
| Total |
7,514,042
|
7,481,506
|
| Charge-offs |
|
|
| 2025/2024 |
54
|
1,168
|
| 2024/2023 |
3,181
|
9,538
|
| 2023/2022 |
11,565
|
7,902
|
| 2022/2021 |
4,609
|
4,107
|
| 2021/2020 |
1,714
|
2,552
|
| Prior to 2021/Prior to 2020 |
4,242
|
2,250
|
| Total |
25,365
|
27,517
|
| Retail customer | United States | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
4,417
|
15,857
|
| Originated in fiscal year before latest fiscal year |
42,965
|
31,910
|
| Originated two years before latest fiscal year |
38,682
|
23,384
|
| Originated three years before latest fiscal year |
18,401
|
13,308
|
| Originated four years before latest fiscal year |
12,228
|
34,473
|
| Originated five years before latest fiscal year |
39,799
|
5,271
|
| Total |
156,492
|
124,203
|
| Retail customer | United States | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
3,810
|
11,150
|
| Originated in fiscal year before latest fiscal year |
27,168
|
14,713
|
| Originated two years before latest fiscal year |
18,686
|
10,027
|
| Originated three years before latest fiscal year |
8,720
|
6,764
|
| Originated four years before latest fiscal year |
5,353
|
3,037
|
| Originated five years before latest fiscal year |
1,786
|
925
|
| Total |
65,523
|
46,616
|
| Retail customer | United States | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
501
|
2,177
|
| Originated in fiscal year before latest fiscal year |
9,213
|
5,758
|
| Originated two years before latest fiscal year |
6,426
|
3,499
|
| Originated three years before latest fiscal year |
3,332
|
1,679
|
| Originated four years before latest fiscal year |
1,895
|
657
|
| Originated five years before latest fiscal year |
380
|
430
|
| Total |
21,747
|
14,200
|
| Retail customer | United States | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
106
|
2,530
|
| Originated in fiscal year before latest fiscal year |
6,584
|
11,439
|
| Originated two years before latest fiscal year |
13,570
|
9,858
|
| Originated three years before latest fiscal year |
6,349
|
4,865
|
| Originated four years before latest fiscal year |
4,980
|
30,779
|
| Originated five years before latest fiscal year |
37,633
|
3,916
|
| Total |
69,222
|
63,387
|
| Retail customer | United States | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
1,596,312
|
3,396,385
|
| Originated in fiscal year before latest fiscal year |
2,682,701
|
1,899,459
|
| Originated two years before latest fiscal year |
1,503,962
|
1,200,888
|
| Originated three years before latest fiscal year |
985,556
|
610,425
|
| Originated four years before latest fiscal year |
447,819
|
202,608
|
| Originated five years before latest fiscal year |
141,200
|
47,538
|
| Total |
7,357,550
|
7,357,303
|
| Retail customer | Canada |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
473,458
|
827,334
|
| Originated in fiscal year before latest fiscal year |
657,257
|
283,890
|
| Originated two years before latest fiscal year |
216,010
|
225,425
|
| Originated three years before latest fiscal year |
183,150
|
160,139
|
| Originated four years before latest fiscal year |
122,865
|
49,851
|
| Originated five years before latest fiscal year |
37,870
|
11,663
|
| Total |
1,690,610
|
1,558,302
|
| Charge-offs |
|
|
| 2025/2024 |
|
130
|
| 2024/2023 |
946
|
1,241
|
| 2023/2022 |
1,174
|
1,054
|
| 2022/2021 |
|
797
|
| 2022/2021 |
502
|
|
| 2021/2020 |
388
|
505
|
| Prior to 2021/Prior to 2020 |
|
674
|
| Prior to 2021/Prior to 2020 |
81
|
|
| Total |
3,091
|
4,401
|
| Retail customer | Canada | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
644
|
5,523
|
| Originated in fiscal year before latest fiscal year |
2,795
|
2,161
|
| Originated two years before latest fiscal year |
2,895
|
3,159
|
| Originated three years before latest fiscal year |
1,895
|
1,688
|
| Originated four years before latest fiscal year |
1,595
|
726
|
| Originated five years before latest fiscal year |
608
|
58
|
| Total |
10,432
|
13,315
|
| Retail customer | Canada | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
581
|
4,929
|
| Originated in fiscal year before latest fiscal year |
1,971
|
1,326
|
| Originated two years before latest fiscal year |
1,585
|
1,755
|
| Originated three years before latest fiscal year |
1,252
|
912
|
| Originated four years before latest fiscal year |
871
|
410
|
| Originated five years before latest fiscal year |
291
|
23
|
| Total |
6,551
|
9,355
|
| Retail customer | Canada | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
|
520
|
| Originated in fiscal year before latest fiscal year |
329
|
|
| Originated two years before latest fiscal year |
888
|
731
|
| Originated three years before latest fiscal year |
203
|
123
|
| Originated four years before latest fiscal year |
107
|
68
|
| Originated five years before latest fiscal year |
122
|
2
|
| Total |
1,649
|
1,444
|
| Retail customer | Canada | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
63
|
74
|
| Originated in fiscal year before latest fiscal year |
495
|
835
|
| Originated two years before latest fiscal year |
422
|
673
|
| Originated three years before latest fiscal year |
440
|
653
|
| Originated four years before latest fiscal year |
617
|
248
|
| Originated five years before latest fiscal year |
195
|
33
|
| Total |
2,232
|
2,516
|
| Retail customer | Canada | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Originated in current fiscal year |
472,814
|
821,811
|
| Originated in fiscal year before latest fiscal year |
654,462
|
281,729
|
| Originated two years before latest fiscal year |
213,115
|
222,266
|
| Originated three years before latest fiscal year |
181,255
|
158,451
|
| Originated four years before latest fiscal year |
121,270
|
49,125
|
| Originated five years before latest fiscal year |
37,262
|
11,605
|
| Total |
1,680,178
|
1,544,987
|
| Wholesale. |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
4,668,619
|
4,847,091
|
| Charge-offs |
|
|
| Total |
34
|
|
| Wholesale. | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
117
|
247
|
| Wholesale. | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
20
|
22
|
| Wholesale. | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
4
|
|
| Wholesale. | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
93
|
225
|
| Wholesale. | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
4,668,502
|
4,846,844
|
| Wholesale. | United States |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
3,607,868
|
3,858,460
|
| Charge-offs |
|
|
| Total |
34
|
|
| Wholesale. | United States | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
117
|
247
|
| Wholesale. | United States | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
20
|
22
|
| Wholesale. | United States | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
4
|
|
| Wholesale. | United States | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
93
|
225
|
| Wholesale. | United States | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
3,607,751
|
3,858,213
|
| Wholesale. | Canada |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
1,060,751
|
988,631
|
| Wholesale. | Canada | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
1,060,751
|
988,631
|
| Revolving charge accounts |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
268,530
|
235,640
|
| Charge-offs |
|
|
| Total |
3,087
|
5,299
|
| Revolving charge accounts | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
9,933
|
12,326
|
| Revolving charge accounts | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
5,866
|
7,781
|
| Revolving charge accounts | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
2,639
|
3,002
|
| Revolving charge accounts | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
1,428
|
1,543
|
| Revolving charge accounts | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
258,597
|
223,314
|
| Revolving charge accounts | United States |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
248,691
|
219,351
|
| Charge-offs |
|
|
| Total |
2,893
|
4,993
|
| Revolving charge accounts | United States | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
9,178
|
10,110
|
| Revolving charge accounts | United States | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
5,394
|
6,303
|
| Revolving charge accounts | United States | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
2,456
|
2,447
|
| Revolving charge accounts | United States | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
1,328
|
1,360
|
| Revolving charge accounts | United States | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
239,513
|
209,241
|
| Revolving charge accounts | Canada |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
19,839
|
16,289
|
| Charge-offs |
|
|
| Total |
194
|
306
|
| Revolving charge accounts | Canada | Total Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
755
|
2,216
|
| Revolving charge accounts | Canada | 31-60 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
472
|
1,478
|
| Revolving charge accounts | Canada | 61-90 Days Past Due |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
183
|
555
|
| Revolving charge accounts | Canada | Greater than 90 Days |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
100
|
183
|
| Revolving charge accounts | Canada | Current |
|
|
| Financing receivable, recorded investment |
|
|
| Total |
$ 19,084
|
$ 14,073
|