v3.25.4
PROPERTY, SOFTWARE, AND EQUIPMENT, NET
 12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
PROPERTY, SOFTWARE, AND EQUIPMENT, NET
NOTE 9: PROPERTY, SOFTWARE, AND EQUIPMENT, NET
Property, software, and equipment are presented net of accumulated depreciation and amortization and summarized as follows:
Year Ended December 31,
(in millions) 20242025
Internally developed software$171 $229 
Leasehold improvements42 48 
Computer equipment28 36 
Furniture and fixtures13 15 
Construction in progress39 40 
Total293 368 
Less: accumulated depreciation and amortization(154)(214)
Property, software, and equipment, net$139 $154 
Depreciation expense of property and equipment was $16 million, $14 million, and $14 million for the years ended December 31, 2023, 2024 and 2025.
Amortization expense of internally developed software was $41 million, $43 million, and $49 million for the years ended December 31, 2023, 2024 and 2025.