Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 31,772	$ 9,064
Adjustments to reconcile net income to net cash used in operating activities:
Share-based compensation	4,513	3,788
Depreciation, amortization and impairment of long-lived assets	1,708	3,769
Amortization of debt premium and issuance costs	2,184	1,901
Changes in expected recoveries	(43,886)	(27,922)
Deferred income taxes	5,415	786
Net unrealized foreign currency transaction gain	(6,658)	(5,480)
Other	(96)	1,291
Changes in operating assets and liabilities:
Prepaid expenses and other assets	(3,292)	956
Accrued expenses, accounts payable and other liabilities	33,277	(40,733)
Net cash provided by/(used in) operating activities	24,937	(52,580)
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of property and equipment, net	(1,410)	(900)
Purchases of nonperforming loan portfolios	(223,122)	(289,595)
Recoveries collected and applied to Finance receivables, net	287,591	265,118
Purchases of investments	(136,315)	(47,733)
Proceeds from sales and maturities of investments	54,817	48,725
Net cash used in investing activities	(18,439)	(24,385)
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from lines of credit	226,230	190,826
Principal payments on lines of credit	(124,460)	(99,923)
Principal payments on long-term debt	(2,500)	(2,500)
Repurchases of common stock	(10,000)	0
Payments of origination costs and fees	(30)	(878)
Tax withholdings related to share-based payments	(2,702)	(1,852)
Distributions to noncontrolling interests	(702)	(7,264)
Net increase/(decrease) in interest-bearing deposits	(25,413)	7,221
Net cash provided by financing activities	60,423	85,630
Effect of foreign exchange rates	10,733	14,216
Net increase in cash, cash equivalents and restricted cash	77,654	22,881
Cash, cash equivalents and restricted cash, beginning of period	108,643	107,431
Cash, cash equivalents and restricted cash, end of period	186,297	130,312
Supplemental disclosure of cash flow information
Cash paid for interest	83,846	86,878
Cash paid for income taxes	55	6,505
Reconciliation to Balance Sheet accounts
Cash and cash equivalents	124,778	128,654
Cash, cash equivalents and restricted cash	61,519	1,658
Cash, cash equivalents and restricted cash	$ 186,297	$ 130,312