v3.26.3
Fair Value Measurements - Financial Instruments Not Required to be Carried at Fair Value (Details) - USD ($)
$ in Thousands
Sep. 30, 2026
Dec. 31, 2025
Carrying Amount | Level 1    
Financial Assets    
Cash and Cash Equivalents, Fair Value Disclosure $ 158,425 $ 156,784
Carrying Amount | Level 3    
Financial Assets    
Receivable portfolios, net 4,763,412 4,371,532
Carrying Amount | Level 2    
Financial Assets    
Other Assets, Fair Value Disclosure 93,591 118,130
Financial Liabilities    
Accounts Payable and Accrued Liabilities, Fair Value Disclosure 257,219 230,261
Other Liabilities, Fair Value Disclosure 108,727 115,158
Carrying Amount | Other borrowings | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 54,714 52,926
Carrying Amount | Global senior secured revolving credit facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 974,763 631,998
Carrying Amount | Cabot securitisation senior facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 338,247 343,539
Carrying Amount | U.S. facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 450,000 450,000
Carrying Amount | Senior secured notes | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 2,449,878 2,322,890
Carrying Amount | Convertible senior notes due March 2029 | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 0 230,000
Estimated Fair Value | Level 1    
Financial Assets    
Cash and Cash Equivalents, Fair Value Disclosure 158,425 156,784
Estimated Fair Value | Level 3    
Financial Assets    
Receivable portfolios, net 5,322,667 4,895,167
Estimated Fair Value | Level 2    
Financial Assets    
Other Assets, Fair Value Disclosure 93,591 118,130
Financial Liabilities    
Accounts Payable and Accrued Liabilities, Fair Value Disclosure 257,219 230,261
Other Liabilities, Fair Value Disclosure 108,727 115,158
Estimated Fair Value | Other borrowings | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 54,714 52,926
Estimated Fair Value | Global senior secured revolving credit facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 974,763 631,998
Estimated Fair Value | Cabot securitisation senior facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 338,247 343,539
Estimated Fair Value | U.S. facility | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 450,000 450,000
Estimated Fair Value | Senior secured notes | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure 2,445,832 2,385,645
Estimated Fair Value | Convertible senior notes due March 2029 | Level 2    
Financial Liabilities    
Debt instrument, fair value disclosure $ 0 $ 253,260