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Finance Assets and Lessor Operating Leases (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Financing Receivables
Finance receivables consisted of the following:
June 30, 2022December 31, 2021
North AmericaInternationalTotalNorth AmericaInternationalTotal
Sales-type lease receivables      
Gross finance receivables$956,365 $157,740 $1,114,105 $958,440 $187,831 $1,146,271 
Unguaranteed residual values38,123 9,451 47,574 37,896 10,717 48,613 
Unearned income(237,143)(48,460)(285,603)(246,381)(56,643)(303,024)
Allowance for credit losses(18,438)(2,522)(20,960)(19,546)(3,246)(22,792)
Net investment in sales-type lease receivables738,907 116,209 855,116 730,409 138,659 869,068 
Loan receivables     
Loan receivables278,472 20,609 299,081 262,310 20,155 282,465 
Allowance for credit losses(3,528)(170)(3,698)(3,259)(167)(3,426)
Net investment in loan receivables274,944 20,439 295,383 259,051 19,988 279,039 
Net investment in finance receivables$1,013,851 $136,648 $1,150,499 $989,460 $158,647 $1,148,107 
Sales-type Lease Maturity
Maturities of gross finance receivables at June 30, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$195,735 $46,071 $241,806 $222,590 $20,609 $243,199 
2023324,790 49,092 373,882 21,785 — 21,785 
2024224,487 32,113 256,600 16,518 — 16,518 
2025134,494 18,892 153,386 11,345 — 11,345 
202665,143 8,573 73,716 4,898 — 4,898 
Thereafter11,716 2,999 14,715 1,336 — 1,336 
Total$956,365 $157,740 $1,114,105 $278,472 $20,609 $299,081 
Loan Receivable Maturity
Maturities of gross finance receivables at June 30, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$195,735 $46,071 $241,806 $222,590 $20,609 $243,199 
2023324,790 49,092 373,882 21,785 — 21,785 
2024224,487 32,113 256,600 16,518 — 16,518 
2025134,494 18,892 153,386 11,345 — 11,345 
202665,143 8,573 73,716 4,898 — 4,898 
Thereafter11,716 2,999 14,715 1,336 — 1,336 
Total$956,365 $157,740 $1,114,105 $278,472 $20,609 $299,081 
Past Due Financing Receivables
The aging of gross finance receivables was as follows:
June 30, 2022
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Past due amounts 0 - 90 days$949,440 $155,312 $273,985 $20,556 $1,399,293 
Past due amounts > 90 days6,925 2,428 4,487 53 13,893 
Total$956,365 $157,740 $278,472 $20,609 $1,413,186 
Past due amounts > 90 days     
Still accruing interest$1,898 $659 $— $— $2,557 
Not accruing interest5,027 1,769 4,487 53 11,336 
Total$6,925 $2,428 $4,487 $53 $13,893 

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 expense145 73 1,408 186 1,812 
Write-offs(2,806)(433)(2,491)(152)(5,882)
Recoveries1,572 — 1,354 — 2,926 
Other(19)(364)(2)(31)(416)
Balance at June 30, 2022$18,438 $2,522 $3,528 $170 $24,658 
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 expense1,127 (81)1,477 (23)2,500 
Write-offs (2,226)(631)(3,392)(29)(6,278)
Recoveries1,500 146 1,862 1 3,509 
Other34 (78)5 5 (34)
Balance at June 30, 2021$23,352 $5,362 $6,436 $416 $35,566 
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 June 30, 2022 and December 31, 2021.

June 30, 2022
Sales Type Lease ReceivablesLoan ReceivablesTotal
20222021202020192018Prior
Low$149,028 $239,044 $168,984 $131,081 $64,344 $25,612 $201,467 $979,560 
Medium24,967 40,808 30,332 24,239 11,813 5,657 62,402 200,218 
High3,096 4,588 4,415 3,068 1,520 906 4,974 22,567 
Not Scored34,763 64,173 38,386 28,750 13,150 1,381 30,238 210,841 
Total$211,854 $348,613 $242,117 $187,138 $90,827 $33,556 $299,081 $1,413,186 
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 June 30,Six Months Ended June 30,
2022202120222021
Profit recognized at commencement$34,337 $32,057 $69,378 $64,365 
Interest income41,021 47,770 83,304 96,266 
Total lease income from sales-type leases$75,358 $79,827 $152,682 $160,631 
Lessor, Payments to be Received Maturities of these operating leases are as follows:
Remainder 2022$12,021 
202317,793 
202416,087 
20257,914 
20262,177 
Thereafter453 
Total$56,445