| Schedule Of Loans Receivable, Net |
The Company classifies loans receivable as “Merchant,” “Consumer,” “Credit cards” and “Asset-backed.” As of June 30, 2026 and December 31, 2025, the components of current and non-current Loans receivable, net were as follows: | | | | | | | | | | | | | | | | | | | June 30, 2026 | | Loans receivable | | Allowance for doubtful accounts | | Loans receivable, net | | (In millions) | | Merchant | $ | 2,537 | | | $ | (1,009) | | | $ | 1,528 | | | Consumer | 5,772 | | | (1,905) | | | 3,867 | | | Credit cards | 7,676 | | | (1,440) | | | 6,236 | | | Asset-backed | 390 | | | (25) | | | 365 | | | Total | $ | 16,375 | | | $ | (4,379) | | | $ | 11,996 | |
| | | | | | | | | | | | | | | | | | | December 31, 2025 | | Loans receivable | | Allowance for doubtful accounts | | Loans receivable, net | | (In millions) | | Merchant | $ | 2,009 | | | $ | (747) | | | $ | 1,262 | | | Consumer | 4,559 | | | (1,271) | | | 3,288 | | | Credit cards | 5,656 | | | (1,107) | | | 4,549 | | | Asset-backed | 284 | | | (18) | | | 266 | | | Total | $ | 12,508 | | | $ | (3,143) | | | $ | 9,365 | |
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| Schedule of Allowance for Doubtful Accounts |
The following tables summarize the allowance for doubtful accounts activity during the six-month periods ended June 30, 2026 and 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | Merchant | | Consumer | | Credit cards | | Asset-backed | | Total | | (In millions) | | Balance at beginning of year | $ | 747 | | | $ | 1,271 | | | $ | 1,107 | | | $ | 18 | | | $ | 3,143 | | | Net charged to Net Income | 554 | | | 1,135 | | | 758 | | | 13 | | | 2,460 | | | Currency translation adjustments | 35 | | | 52 | | | 58 | | | 1 | | | 146 | | Write-offs (1) | (327) | | | (553) | | | (483) | | | (7) | | | (1,370) | | | Balance at end of period | $ | 1,009 | | | $ | 1,905 | | | $ | 1,440 | | | $ | 25 | | | $ | 4,379 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | Merchant | | Consumer | | Credit cards | | Asset-backed | | Total | | (In millions) | | Balance at beginning of year | $ | 417 | | | $ | 696 | | | $ | 557 | | | $ | 8 | | | $ | 1,678 | | | Net charged to Net Income | 318 | | | 491 | | | 471 | | | 7 | | | 1,287 | | | Currency translation adjustments | 53 | | | 75 | | | 85 | | | 1 | | | 214 | | Write-offs (1) | (190) | | | (314) | | | (210) | | | (2) | | | (716) | | | Balance at end of period | $ | 598 | | | $ | 948 | | | $ | 903 | | | $ | 14 | | | $ | 2,463 | |
(1) The Company writes off loans when customer balance becomes 360 days past due.
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| Schedule of Credit Quality Analysis of Loans Receivables |
The amortized cost of the loans receivable classified by the Company’s credit quality internal indicator was as follows: | | | | | | | | | | | | | June 30, 2026 | | December 31, 2025 | | (In millions) | | 1-14 days past due | $ | 435 | | | $ | 247 | | | 15-30 days past due | 287 | | | 278 | | | 31-60 days past due | 415 | | | 343 | | | 61-90 days past due | 441 | | | 329 | | | 91-120 days past due | 456 | | | 333 | | | 121-150 days past due | 403 | | | 286 | | | 151-180 days past due | 398 | | | 256 | | | 181-210 days past due | 336 | | | 228 | | | 211-240 days past due | 372 | | | 206 | | | 241-270 days past due | 317 | | | 206 | | | 271-300 days past due | 299 | | | 187 | | | 301-330 days past due | 256 | | | 210 | | | 331-360 days past due | 223 | | | 186 | | | Total past due | 4,638 | | | 3,295 | | | To become due | 11,737 | | | 9,213 | | | Total | $ | 16,375 | | | $ | 12,508 | |
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