Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
Operating activities:
Net income	$ 105,517	$ 55,420
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	14,655	15,309
Other non-cash interest expense, net	7,211	7,941
Stock-based compensation expense	8,707	7,994
Changes in recoveries	(77,063)	6,655
Other, net	7,045	2,547
Changes in operating assets and liabilities
Other assets	14,897	(25,896)
Accounts payable, accrued liabilities and other liabilities	(26,162)	16,727
Net cash provided by operating activities	54,807	86,697
Investing activities:
Purchases of receivable portfolios, net of put-backs	(725,391)	(566,960)
Collections applied to receivable portfolios	553,400	419,833
Purchases of property and equipment	(13,320)	(14,251)
Other, net	15,659	29,492
Net cash used in investing activities	(169,652)	(131,886)
Financing activities:
Payment of loan and debt refinancing costs	(2,491)	(17,201)
Proceeds from credit facilities	549,605	393,455
Repayment of credit facilities	(418,463)	(1,234,189)
Proceeds from senior secured notes	0	1,000,000
Repayment of senior secured notes	0	(19,540)
Repurchase and retirement of common stock	(25,215)	0
Other, net	(16,206)	16,967
Net cash provided by financing activities	87,230	139,492
Net (decrease) increase in cash and cash equivalents	(27,615)	94,303
Effect of exchange rate changes on cash and cash equivalents	646	(2,046)
Cash and cash equivalents, beginning of period	199,865	158,364
Cash and cash equivalents, end of period	172,896	250,621
Supplemental disclosures of cash flow information:
Cash paid for interest	133,830	80,945
Cash paid for income taxes, net of refunds	29,278	42,365
Supplemental schedule of non-cash investing activities:
Receivable portfolios transferred to real estate owned	$ 2,011	$ 3,098