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Finance Assets and Lessor Operating Leases (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Financing Receivables
Finance receivables consisted of the following:
March 31, 2022December 31, 2021
North AmericaInternationalTotalNorth AmericaInternationalTotal
Sales-type lease receivables      
Gross finance receivables$959,257 $172,840 $1,132,097 $958,440 $187,831 $1,146,271 
Unguaranteed residual values38,157 10,171 48,328 37,896 10,717 48,613 
Unearned income(243,818)(54,190)(298,008)(246,381)(56,643)(303,024)
Allowance for credit losses(18,960)(2,790)(21,750)(19,546)(3,246)(22,792)
Net investment in sales-type lease receivables734,636 126,031 860,667 730,409 138,659 869,068 
Loan receivables     
Loan receivables274,661 21,028 295,689 262,310 20,155 282,465 
Allowance for credit losses(3,297)(184)(3,481)(3,259)(167)(3,426)
Net investment in loan receivables271,364 20,844 292,208 259,051 19,988 279,039 
Net investment in finance receivables$1,006,000 $146,875 $1,152,875 $989,460 $158,647 $1,148,107 
Sales-type Lease Maturity
Maturities of gross finance receivables at March 31, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$289,762 $49,184 $338,946 $232,528 $21,028 $253,556 
2023302,598 55,706 358,304 18,278 — 18,278 
2024201,413 35,883 237,296 12,964 — 12,964 
2025113,862 20,896 134,758 8,246 — 8,246 
202647,423 9,061 56,484 2,417 — 2,417 
Thereafter4,199 2,110 6,309 228 — 228 
Total$959,257 $172,840 $1,132,097 $274,661 $21,028 $295,689 
Loan Receivable Maturity
Maturities of gross finance receivables at March 31, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$289,762 $49,184 $338,946 $232,528 $21,028 $253,556 
2023302,598 55,706 358,304 18,278 — 18,278 
2024201,413 35,883 237,296 12,964 — 12,964 
2025113,862 20,896 134,758 8,246 — 8,246 
202647,423 9,061 56,484 2,417 — 2,417 
Thereafter4,199 2,110 6,309 228 — 228 
Total$959,257 $172,840 $1,132,097 $274,661 $21,028 $295,689 
Past Due Financing Receivables
The aging of gross finance receivables was as follows:
March 31, 2022
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Past due amounts 0 - 90 days$951,491 $170,651 $271,093 $20,944 $1,414,179 
Past due amounts > 90 days7,766 2,189 3,568 84 13,607 
Total$959,257 $172,840 $274,661 $21,028 $1,427,786 
Past due amounts > 90 days     
Still accruing interest$2,444 $666 $— $— $3,110 
Not accruing interest5,322 1,523 3,568 84 10,497 
Total$7,766 $2,189 $3,568 $84 $13,607 

December 31, 2021
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Past due amounts 0 - 90 days$950,138 $185,057 $258,514 $20,018 $1,413,727 
Past due amounts > 90 days8,302 2,774 3,796 137 15,009 
Total$958,440 $187,831 $262,310 $20,155 $1,428,736 
Past due amounts > 90 days     
Still accruing interest$4,964 $682 $— $— $5,646 
Not accruing interest3,338 2,092 3,796 137 9,363 
Total$8,302 $2,774 $3,796 $137 $15,009 
Allowance for Credit Losses on Financing Receivables
Activity in the allowance for credit losses for finance receivables was as follows:
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Balance at January 1, 2022$19,546 $3,246 $3,259 $167 $26,218 
Amounts charged to expense297 47 616 143 1,103 
Write-offs(1,640)(360)(1,341)(117)(3,458)
Recoveries744 — 761 — 1,505 
Other13 (143)2 (9)(137)
Balance at March 31, 2022$18,960 $2,790 $3,297 $184 $25,231 
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Balance at January 1, 2021$22,917 $6,006 $6,484 $462 $35,869 
Amounts charged to expense154 61 763 4 982 
Write-offs (1,024)(371)(1,833)(3)(3,231)
Recoveries935 29 991 — 1,955 
Other16 (119)2 — (101)
Balance at March 31, 2021$22,998 $5,606 $6,407 $463 $35,474 
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 as of March 31, 2022 and December 31, 2021.

March 31, 2022
Sales Type Lease ReceivablesLoan ReceivablesTotal
20222021202020192018Prior
Low$76,624 $253,998 $180,703 $146,716 $79,663 $35,833 $202,419 $975,956 
Medium13,619 44,487 32,696 27,581 14,456 8,744 57,783 199,366 
High1,558 5,037 4,876 3,688 2,033 1,028 4,153 22,373 
Not Scored26,074 73,694 38,874 35,487 20,873 3,755 31,334 230,091 
Total$117,875 $377,216 $257,149 $213,472 $117,025 $49,360 $295,689 $1,427,786 
December 31, 2021
Sales Type Lease ReceivablesLoan ReceivablesTotal
20212020201920182017Prior
Low$274,191 $195,421 $162,479 $95,661 $33,698 $14,862 $192,161 $968,473 
Medium43,403 34,955 31,038 17,895 6,981 3,619 55,708 193,599 
High5,474 5,017 4,044 2,708 849 889 4,822 23,803 
Not Scored45,644 54,097 47,973 33,998 19,161 12,214 29,774 242,861 
Total$368,712 $289,490 $245,534 $150,262 $60,689 $31,584 $282,465 $1,428,736 
Sales-type Lease, Lease Income
Lease income from sales-type leases, excluding variable lease payments, was as follows:
Three Months Ended March 31,
20222021
Profit recognized at commencement$35,040 $32,265 
Interest income42,283 48,496 
Total lease income from sales-type leases$77,323 $80,761 
Lessor, Payments to be Received
We also lease mailing equipment under operating leases with terms of one to five years. Maturities of these operating leases are as follows:
Remainder 2022$19,002 
202315,556 
202416,303 
20255,325 
20261,409 
Thereafter170 
Total$57,765