v3.26.3
Finance Receivables - Schedule of Financing Receivable Credit Quality Indicators (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Financing Receivable, Allowance for Credit Losses          
Total $ 2,253,974 $ 1,870,648 $ 2,253,974 $ 1,870,648 $ 1,703,221
Gross charge-offs          
Total 9,946 49,256 22,531 188,737  
Retail          
Financing Receivable, Allowance for Credit Losses          
Year 1 724,829 272,185 724,829 272,185 367,671
Year 2 290,785 226,281 290,785 226,281 205,382
Year 3 139,987 123,324 139,987 123,324 110,311
Year 4 70,748 50,014 70,748 50,014 44,056
Year 4, net       21,747  
Year 5 29,509 26,541 29,509 26,541 21,935
Year 5, net       13,987  
More than 5 years 44,775 5,949 44,775 5,949 5,066
Total 1,300,633 704,294 1,300,633 704,294 754,421
Gross charge-offs          
Year 1     5,284 2,897 3,406
Year 2     9,578 48,622 49,141
Year 3     2,802 54,146 54,263
Year 4     1,375 41,996 42,125
Year 5     741   21,737
More than 5 years     715   13,983
Total 10,095 44,555 20,495 183,395 184,655
Retail | UNITED STATES          
Financing Receivable, Allowance for Credit Losses          
Year 1 713,767   713,767   366,181
Year 2 289,671   289,671   205,371
Year 3 139,974   139,974   110,300
Year 4 70,738   70,738   44,042
Year 4, net       21,364  
Year 5 29,502   29,502   21,926
Year 5, net       13,560  
More than 5 years 44,761   44,761   5,055
Total 1,288,413   1,288,413   752,875
Gross charge-offs          
Year 1     4,804 2,771 3,280
Year 2     9,055 47,626 48,145
Year 3     2,802 53,155 53,272
Year 4     1,375 41,175 41,304
Year 5     741   21,354
More than 5 years     715   13,556
Total     19,492 179,651 180,911
Retail | CANADA          
Financing Receivable, Allowance for Credit Losses          
Year 1 11,062   11,062   1,490
Year 2 1,114   1,114   11
Year 3 13   13   11
Year 4 10   10   14
Year 4, net       383  
Year 5 7   7   9
Year 5, net       427  
More than 5 years 14   14   11
Total 12,220   12,220   1,546
Gross charge-offs          
Year 1     480 126 126
Year 2     523 996 996
Year 3     0 991 991
Year 4     0 821 821
Year 5     0   383
More than 5 years     0   427
Total     1,003 3,744 3,744
Retail | Super prime | UNITED STATES          
Financing Receivable, Allowance for Credit Losses          
Year 1 280,291 144,780 280,291 144,780 185,774
Year 2 135,038 120,456 135,038 120,456 108,025
Year 3 71,349 61,502 71,349 61,502 54,501
Year 4 33,423 19,838 33,423 19,838 16,944
Year 5 10,672 12,198 10,672 12,198 9,675
More than 5 years 21,365 2,011 21,365 2,011 1,544
Total 552,138 360,785 552,138 360,785 376,463
Retail | Super prime | CANADA          
Financing Receivable, Allowance for Credit Losses          
Year 1 7,853   7,853   1,012
Year 2 738   738   5
Year 3 3   3   5
Year 4 3   3   5
Year 5 2   2   3
More than 5 years 6   6   1
Total 8,605   8,605   1,031
Retail | Prime | UNITED STATES          
Financing Receivable, Allowance for Credit Losses          
Year 1 290,192 125,804 290,192 125,804 166,971
Year 2 137,655 104,939 137,655 104,939 96,360
Year 3 67,801 60,992 67,801 60,992 54,902
Year 4 36,599 29,368 36,599 29,368 26,268
Year 5 18,191 13,633 18,191 13,633 11,525
More than 5 years 22,124 2,767 22,124 2,767 2,413
Total 572,562 337,503 572,562 337,503 358,439
Retail | Prime | CANADA          
Financing Receivable, Allowance for Credit Losses          
Year 1 2,838   2,838   377
Year 2 314   314   4
Year 3 5   5   3
Year 4 5   5   8
Year 5 4   4   5
More than 5 years 7   7   8
Total 3,173   3,173   405
Retail | Sub-prime | UNITED STATES          
Financing Receivable, Allowance for Credit Losses          
Year 1 143,284 1,601 143,284 1,601 13,436
Year 2 16,978 886 16,978 886 986
Year 3 824 830 824 830 897
Year 4 716 808 716 808 830
Year 5 639 710 639 710 726
More than 5 years 1,272 1,171 1,272 1,171 1,098
Total 163,713 $ 6,006 163,713 $ 6,006 17,973
Retail | Sub-prime | CANADA          
Financing Receivable, Allowance for Credit Losses          
Year 1 371   371   101
Year 2 62   62   2
Year 3 5   5   3
Year 4 2   2   1
Year 5 1   1   1
More than 5 years 1   1   2
Total $ 442   $ 442   $ 110