v3.25.4
INCOME TAXES - Components of Deferred Tax Assets and Liabilities (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Deferred tax assets:    
Tax credit carryforwards $ 193 $ 174
Research and experimentation expenditure amortization 122 248
Lease liabilities 52 33
Net operating loss carryforwards 40 29
Accruals and other liabilities 29 16
Provision for credit losses 28 16
Share-based compensation 10 16
Other 41 31
Total deferred tax assets 515 563
Deferred tax liabilities:    
Deferred customer match incentives (153) (74)
Right of use assets (43) (24)
Depreciation and amortization (31) (6)
Other (4) 0
Total deferred tax liabilities (231) (104)
Valuation allowance (105) (88)
Net deferred tax assets $ 179 $ 371