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Finance Assets and Lessor Operating Leases (Tables)
 9 Months Ended
Sep. 30, 2024
Receivables [Abstract]  
Schedule of Financing Receivables
Finance receivables consisted of the following:
September 30, 2024December 31, 2023
North AmericaInternationalTotalNorth AmericaInternationalTotal
Sales-type lease receivables      
Gross finance receivables$959,751 $129,659 $1,089,410 $987,743 $143,466 $1,131,209 
Unguaranteed residual values36,838 6,628 43,466 38,059 7,211 45,270 
Unearned income(258,680)(38,641)(297,321)(253,711)(42,847)(296,558)
Allowance for credit losses(12,939)(2,277)(15,216)(13,942)(2,786)(16,728)
Net investment in sales-type lease receivables724,970 95,369 820,339 758,149 105,044 863,193 
Loan receivables     
Loan receivables319,259 19,962 339,221 342,062 17,865 359,927 
Allowance for credit losses(6,304)(180)(6,484)(6,346)(153)(6,499)
Net investment in loan receivables312,955 19,782 332,737 335,716 17,712 353,428 
Net investment in finance receivables$1,037,925 $115,151 $1,153,076 $1,093,865 $122,756 $1,216,621 
Schedule of Sales-type Lease Maturity
Maturities of gross finance receivables at September 30, 2024 were as follows:
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2024$95,959 $35,308 $131,267 $179,270 $19,962 $199,232 
2025332,861 42,106 374,967 48,009 — 48,009 
2026257,170 26,797 283,967 35,324 — 35,324 
2027167,598 15,649 183,247 29,205 — 29,205 
202883,877 7,168 91,045 20,468 — 20,468 
Thereafter22,286 2,631 24,917 6,983 — 6,983 
Total$959,751 $129,659 $1,089,410 $319,259 $19,962 $339,221 
Schedule of Loan Receivable Maturity
Maturities of gross finance receivables at September 30, 2024 were as follows:
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2024$95,959 $35,308 $131,267 $179,270 $19,962 $199,232 
2025332,861 42,106 374,967 48,009 — 48,009 
2026257,170 26,797 283,967 35,324 — 35,324 
2027167,598 15,649 183,247 29,205 — 29,205 
202883,877 7,168 91,045 20,468 — 20,468 
Thereafter22,286 2,631 24,917 6,983 — 6,983 
Total$959,751 $129,659 $1,089,410 $319,259 $19,962 $339,221 
Schedule of Past Due Financing Receivables
The aging of gross finance receivables was as follows:
September 30, 2024
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalNorth AmericaInternationalTotal
Past due amounts 0 - 90 days$951,747 $127,374 $316,976 $19,859 $1,415,956 
Past due amounts > 90 days8,004 2,285 2,283 103 12,675 
Total$959,751 $129,659 $319,259 $19,962 $1,428,631 

December 31, 2023
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalNorth AmericaInternationalTotal
Past due amounts 0 - 90 days$977,744 $140,857 $339,789 $17,664 $1,476,054 
Past due amounts > 90 days9,999 2,609 2,273 201 15,082 
Total$987,743 $143,466 $342,062 $17,865 $1,491,136 
Schedule of Allowance for Credit Losses and Write-offs on Financing Receivables
Activity in the allowance for credit losses for finance receivables was as follows:
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalNorth AmericaInternationalTotal
Balance at January 1, 2024$13,942 $2,786 $6,346 $153 $23,227 
Amounts charged to expense998 (7)3,550 354 4,895 
Write-offs(3,232)(636)(5,116)(349)(9,333)
Recoveries1,221 145 1,546 — 2,912 
Other10 (11)(22)22 (1)
Balance at September 30, 2024$12,939 $2,277 $6,304 $180 $21,700 
Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalNorth AmericaInternationalTotal
Balance at January 1, 2023$14,131 $2,893 $4,787 $139 $21,950 
Amounts charged to expense1,339 800 3,246 305 5,690 
Write-offs (3,227)(1,209)(3,722)(292)(8,450)
Recoveries2,058 151 1,488 — 3,697 
Other51 (181)(52)(6)(188)
Balance at September 30, 2023$14,352 $2,454 $5,747 $146 $22,699 
The table below shows write-offs of gross finance receivables by year of origination.
September 30, 2024
Sales Type Lease ReceivablesLoan ReceivablesTotal
20242023202220212020Prior
Write-offs$67 $829 $1,382 $763 $543 $284 $5,465 $9,333 

September 30, 2023
Sales Type Lease ReceivablesLoan ReceivablesTotal
20232022202120202019Prior
Write-offs$833 $912 $1,141 $748 $447 $355 $4,014 $8,450 
Schedule of Financing Receivable Credit Quality Indicators
The table below shows gross finance receivables by relative risk class and year of origination based on the relative scores of the accounts within each class.
September 30, 2024
Sales Type Lease ReceivablesLoan ReceivablesTotal
20242023202220212020Prior
Low$150,519 $224,418 $180,767 $115,960 $71,999 $53,317 $254,787 $1,051,767 
Medium25,841 33,812 26,277 19,868 11,307 9,951 39,044 166,100 
High3,550 4,350 3,350 2,723 2,030 655 12,286 28,944 
Not Scored48,205 45,817 29,475 16,849 6,243 2,127 33,104 181,820 
Total$228,115 $308,397 $239,869 $155,400 $91,579 $66,050 $339,221 $1,428,631 
December 31, 2023
Sales Type Lease ReceivablesLoan ReceivablesTotal
20232022202120202019Prior
Low$261,583 $222,947 $155,193 $96,986 $46,635 $27,164 $264,232 $1,074,740 
Medium46,208 35,891 24,483 16,027 10,503 8,041 62,910 204,063 
High4,455 4,217 2,554 1,853 740 862 7,487 22,168 
Not Scored59,335 49,839 33,494 15,944 5,089 1,166 25,298 190,165 
Total$371,581 $312,894 $215,724 $130,810 $62,967 $37,233 $359,927 $1,491,136 
Schedule of Sales-type Lease, Lease Income
Lease income from sales-type leases, excluding variable lease payments, was as follows:
Three Months Ended September 30,Nine Months Ended September 30,
2024202320242023
Profit recognized at commencement$24,071 $29,476 $78,277 $92,138 
Interest income38,264 38,588 114,277 116,700 
Total lease income from sales-type leases$62,335 $68,064 $192,554 $208,838 
Schedule of Lessor, Payments to be Received Maturities of these operating leases are as follows:
Remainder 2024$5,056 
202516,927 
202617,196 
202710,616 
20281,459 
Thereafter3,829 
Total$55,083