Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Jul. 31, 2024	Jul. 31, 2023
Operating Activities:
Net (loss) income	$ (964,000)	$ 4,186,000
Adjustments to reconcile net income to net cash used in operating activities:
Provision for credit losses	95,423,000	96,323,000
Losses on claims for accident protection plan	9,321,000	7,769,000
Depreciation and amortization	1,884,000	1,693,000
Amortization of debt issuance costs	1,265,000	1,286,000
Loss on disposal of property and equipment	0	166,000
Impairment of fixed asset	0	12,000
Impairment of goodwill	46,000	0
Stock based compensation	1,324,000	2,451,000
Deferred income taxes	(943,000)	(3,217,000)
Excess tax benefit from share based compensation	0	130,000
Change in operating assets and liabilities:
Finance receivable originations	(271,756,000)	(297,732,000)
Loan origination costs	0	(27,000)
Finance receivable collections	112,358,000	109,291,000
Accrued interest on finance receivables	(600,000)	(642,000)
Inventory	25,603,000	23,953,000
Prepaid expenses and other assets	(2,332,000)	(1,571,000)
Accounts payable and accrued liabilities	11,466,000	1,413,000
Income taxes, net	2,021,000	3,987,000
Net cash used in operating activities	(14,972,000)	(45,399,000)
Investing Activities:
Acquisition	(7,527,000)	0
Purchase of property and equipment	(986,000)	(1,379,000)
Proceeds from sale of property and equipment	0	529,000
Net cash used in investing activities	(8,513,000)	(850,000)
Financing Activities:
Exercise of stock options	0	(455,000)
Issuance of common stock	76,000	78,000
Purchase of common stock	(24,000)	(68,000)
Dividend payments	(10,000)	(10,000)
Change in cash overdrafts	989,000	0
Debt issuance costs	(1,387,000)	(4,091,000)
Issuances of notes payable	149,889,000	360,340,000
Payments on notes payable	(106,076,000)	(116,862,000)
Proceeds from revolving line of credit	136,000,000	104,803,000
Payments on revolving line of credit	(151,798,000)	(273,319,000)
Net cash provided by financing activities	27,659,000	70,416,000
Increase in cash, cash equivalents, and restricted cash	4,174,000	24,167,000
Cash, cash equivalents, and restricted cash beginning of period	94,447,000	68,034,000
Cash, cash equivalents, and restricted cash end of period	98,621,000	92,201,000
Accident Protection Plan [Member]
Change in operating assets and liabilities:
Deferred accident protection plan revenue	205,000	1,651,000
Service Contract [Member]
Change in operating assets and liabilities:
Deferred accident protection plan revenue	$ 707,000	$ 3,479,000