Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 54,777	$ 36,867
Adjustments to reconcile net income to net cash used in operating activities:
Share-based compensation	8,252	6,882
Depreciation, amortization and impairment	6,272	5,357
Gain on sale of equity method investment	(38,403)	0
Amortization of debt premium and issuance costs	3,863	4,531
Changes in expected recoveries	(61,214)	(124,994)
Deferred income taxes	(2,733)	(2,073)
Net unrealized foreign currency transaction gain	(13,055)	(11,215)
Other	935	(1,027)
Changes in operating assets and liabilities:
Other assets	(6,451)	(1,046)
Accrued expenses, accounts payable and other liabilities	(17,733)	(15,770)
Net cash used in operating activities	(65,490)	(102,488)
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of property and equipment, net	(2,178)	(1,832)
Purchases of nonperforming loan portfolios	(633,308)	(625,186)
Recoveries collected and applied to Finance receivables, net	554,715	520,940
Purchases of investments	(57,898)	(48,247)
Proceeds from sales and maturities of investments	105,261	58,130
Net cash used in investing activities	(33,408)	(96,195)
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from lines of credit	407,127	435,341
Principal payments on lines of credit	(245,297)	(604,938)
Principal payments on long-term debt	(5,000)	(7,500)
Repurchases of common stock	(10,000)	0
Payments of origination costs and fees	(878)	(5,111)
Tax withholdings related to share-based payments	(2,052)	(1,612)
Distributions to noncontrolling interests	(15,040)	(17,412)
Net increase/(decrease) in interest-bearing deposits	(22,960)	5,058
Net cash provided by financing activities	105,900	203,826
Effect of foreign exchange rates	20,885	1,082
Net increase in cash, cash equivalents and restricted cash	27,887	6,225
Cash, cash equivalents and restricted cash, beginning of period	107,431	113,692
Cash, cash equivalents and restricted cash, end of period	135,318	119,917
Supplemental disclosure of cash flow information
Cash paid for interest	132,590	116,575
Cash paid for income taxes	19,551	15,326
Reconciliation to Balance Sheet accounts
Cash and cash equivalents	131,592	118,865
Cash, cash equivalents and restricted cash	3,726	1,052
Cash, cash equivalents and restricted cash	135,318	119,917
2030 Notes
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from issuance of Senior Notes due 2030	$ 0	$ 400,000