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Finance Assets and Lessor Operating Leases (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Financing Receivables
Finance receivables consisted of the following:
September 30, 2022December 31, 2021
North AmericaInternationalTotalNorth AmericaInternationalTotal
Sales-type lease receivables      
Gross finance receivables$958,672 $143,949 $1,102,621 $958,440 $187,831 $1,146,271 
Unguaranteed residual values38,775 8,452 47,227 37,896 10,717 48,613 
Unearned income(237,090)(44,762)(281,852)(246,381)(56,643)(303,024)
Allowance for credit losses(15,178)(2,294)(17,472)(19,546)(3,246)(22,792)
Net investment in sales-type lease receivables745,179 105,345 850,524 730,409 138,659 869,068 
Loan receivables     
Loan receivables284,851 17,392 302,243 262,310 20,155 282,465 
Allowance for credit losses(3,940)(153)(4,093)(3,259)(167)(3,426)
Net investment in loan receivables280,911 17,239 298,150 259,051 19,988 279,039 
Net investment in finance receivables$1,026,090 $122,584 $1,148,674 $989,460 $158,647 $1,148,107 
Sales-type Lease Maturity
Maturities of gross finance receivables at September 30, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$99,920 $35,447 $135,367 $218,060 $17,392 $235,452 
2023344,805 45,106 389,911 24,440 — 24,440 
2024248,361 29,764 278,125 19,163 — 19,163 
2025157,126 17,153 174,279 13,728 — 13,728 
202684,395 8,005 92,400 6,738 — 6,738 
Thereafter24,065 8,474 32,539 2,722 — 2,722 
Total$958,672 $143,949 $1,102,621 $284,851 $17,392 $302,243 
Loan Receivable Maturity
Maturities of gross finance receivables at September 30, 2022 were as follows:

Sales-type Lease ReceivablesLoan Receivables
North AmericaInternationalTotalNorth AmericaInternationalTotal
Remainder 2022$99,920 $35,447 $135,367 $218,060 $17,392 $235,452 
2023344,805 45,106 389,911 24,440 — 24,440 
2024248,361 29,764 278,125 19,163 — 19,163 
2025157,126 17,153 174,279 13,728 — 13,728 
202684,395 8,005 92,400 6,738 — 6,738 
Thereafter24,065 8,474 32,539 2,722 — 2,722 
Total$958,672 $143,949 $1,102,621 $284,851 $17,392 $302,243 
Past Due Financing Receivables
The aging of gross finance receivables was as follows:
September 30, 2022
Sales-type Lease ReceivablesLoan Receivables
North
America		InternationalNorth
America		InternationalTotal
Past due amounts 0 - 90 days$951,668 $141,685 $279,381 $17,292 $1,390,026 
Past due amounts > 90 days7,004 2,264 5,470 100 14,838 
Total$958,672 $143,949 $284,851 $17,392 $1,404,864 
Past due amounts > 90 days     
Still accruing interest$3,450 $460 $— $— $3,910 
Not accruing interest3,554 1,804 5,470 100 10,928 
Total$7,004 $2,264 $5,470 $100 $14,838 

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 expense(1,913)189 2,459 259 994 
Write-offs(4,625)(587)(3,684)(212)(9,108)
Recoveries2,273 35 1,916 1 4,225 
Other(103)(589)(10)(62)(764)
Balance at September 30, 2022$15,178 $2,294 $3,940 $153 $21,565 
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 expense1,959 (1,019)(979)33 (6)
Write-offs (4,816)(773)(4,748)(251)(10,588)
Recoveries2,256 (16)2,615 3 4,858 
Other5 (221)1 (11)(226)
Balance at September 30, 2021$22,321 $3,977 $3,373 $236 $29,907 
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, 2022
Sales Type Lease ReceivablesLoan ReceivablesTotal
20222021202020192018Prior
Low$223,341 $221,574 $154,974 $111,735 $45,866 $18,304 $209,962 $985,756 
Medium40,718 40,787 27,057 22,799 10,015 3,925 60,906 206,207 
High4,511 4,079 3,162 2,108 1,171 618 5,206 20,855 
Not Scored47,544 54,868 31,463 22,411 8,905 686 26,169 192,046 
Total$316,114 $321,308 $216,656 $159,053 $65,957 $23,533 $302,243 $1,404,864 
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 September 30,Nine Months Ended September 30,
2022202120222021
Profit recognized at commencement$31,576 $28,394 $100,951 $92,756 
Interest income40,480 45,806 123,783 142,072 
Total lease income from sales-type leases$72,056 $74,200 $224,734 $234,828 
Lessor, Payments to be Received Maturities of these operating leases are as follows:
Remainder 2022$8,884 
202320,926 
202417,478 
20259,296 
20263,028 
Thereafter935 
Total$60,547