Unaudited Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating activities
Net income	$ 494,365	$ 659,563
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	48,150	46,393
Stock-based compensation	35,069	46,120
Provision for losses on accounts and other receivables	152,485	54,735
Amortization of deferred financing costs and discounts	5,028	3,741
Amortization of intangible assets and premium on receivables	141,967	159,307
Deferred income taxes	(5,747)	11,142
Investment (gain) loss	(30,008)	15,660
Other non-cash operating income	(482)	(1,778)
Changes in operating assets and liabilities (net of acquisitions/dispositions):
Accounts and other receivables	49,690	(472,378)
Prepaid expenses and other current assets	26,105	(77,836)
Other assets	6,129	(26,578)
Accounts payable, accrued expenses and customer deposits	291,945	373,044
Net cash provided by operating activities	1,214,696	791,135
Investing activities
Acquisitions, net of cash acquired	(72,557)	(334,860)
Purchases of property and equipment	(55,019)	(48,681)
Proceeds from disposal of investment	52,963	0
Net cash used in investing activities	(74,613)	(383,541)
Financing activities
Proceeds from issuance of common stock	95,780	117,627
Repurchase of common stock	(788,409)	(59,362)
(Payments) borrowings on securitization facility, net	(282,973)
(Payments) borrowings on securitization facility, net		106,000
Deferred financing costs paid and debt discount	(2,474)	(2,421)
Proceeds from issuance of notes payable	0	700,000
Principal payments on notes payable	(134,097)	(97,313)
Borrowings from revolver	1,198,500	965,709
Payments on revolver	(1,287,899)	(1,992,296)
(Payments) borrowings on swing line of credit, net	(20,111)
(Payments) borrowings on swing line of credit, net		1,775
Other	(244)	(189)
Net cash used in financing activities	(1,221,927)	(260,470)
Effect of foreign currency exchange rates on cash	(222,533)	(46,140)
Net (decrease) increase in cash and cash equivalents and restricted cash	(304,377)	100,984
Cash and cash equivalents and restricted cash, beginning of period	1,675,237	1,364,893
Cash and cash equivalents and restricted cash, end of period	1,370,860	1,465,877
Supplemental cash flow information
Cash paid for interest	98,564	136,850
Cash paid for income taxes	$ 119,089	$ 148,727