Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands	Apr. 30, 2022	Apr. 30, 2021	Apr. 30, 2020	Apr. 30, 2019
Gross contract amount	$ 1,378,803	$ 980,757
Less unearned finance charges	(277,306)	(171,220)
Principal balance	1,101,497	809,537
Less allowance for credit losses	(247,207)	(184,418)	$ (155,041)	$ (127,842)
Finance receivables, net	$ 854,290	$ 625,119	$ 466,141	$ 415,486

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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+ Details