Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands	Jul. 31, 2022	Apr. 30, 2022	Jul. 31, 2021	Apr. 30, 2021
Gross contract amount	$ 1,490,047	$ 1,378,803
Less unearned finance charges	(304,771)	(277,306)
Principal balance	1,185,276	1,101,497	$ 890,467
Less allowance for credit losses	(265,818)	(247,207)	(201,874)	$ (184,418)
Finance receivables, net	$ 919,458	$ 854,290	$ 688,593	$ 625,119

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