Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Jan. 31, 2025	Jan. 31, 2024
Operating Activities:
Net income (loss)	$ 7,297	$ (31,819)
Adjustments to reconcile net income to net cash used in operating activities:
Provision for credit losses	281,597	321,300
Losses on claims for accident protection plan	25,013	24,480
Depreciation and amortization	5,700	5,101
Amortization of debt issuance costs	4,070	3,988
Loss on disposal of property and equipment	4	359
Impairment of goodwill	120	212
Stock based compensation	3,785	2,882
Deferred income taxes	(8,346)	(18,967)
Excess tax benefit from share based compensation	0	213
Change in operating assets and liabilities:
Finance receivable originations	(779,013)	(794,477)
Loan origination costs	16	39
Finance receivable collections	338,736	324,703
Accrued interest on finance receivables	(149)	(1,255)
Inventory	53,330	103,451
Prepaid expenses and other assets	(6,411)	(3,734)
Accounts payable and accrued liabilities	16,065	(5,824)
Income taxes, net	3,484	8,232
Net cash used in operating activities	(67,982)	(63,172)
Investing Activities:
Purchase of investments	(7,527)	(4,815)
Purchase of property and equipment	(3,089)	(4,864)
Proceeds from sale of property and equipment	24	350
Net cash used in investing activities	(10,592)	(9,329)
Financing Activities:
Exercise of stock options	0	(455)
Issuance of common stock	74,041	218
Purchase of common stock	(432)	(336)
Dividend payments	(30)	(30)
Change in cash overdrafts	58	2,183
Debt issuance costs	(6,963)	(5,892)
Issuances of notes payable	649,889	610,340
Payments on notes payable	(479,326)	(394,450)
Proceeds from revolving line of credit	459,697	406,844
Payments on revolving line of credit	(586,449)	(519,366)
Net cash provided by financing activities	110,485	99,056
Increase in cash, cash equivalents, and restricted cash	31,911	26,555
Cash, cash equivalents, and restricted cash beginning of period	94,447	68,034
Cash, cash equivalents, and restricted cash end of period	126,358	94,589
Accident Protection Plan
Change in operating assets and liabilities:
Deferred accident protection plan and service contract revenue	(1,462)	(1,926)
Service Contract
Change in operating assets and liabilities:
Deferred accident protection plan and service contract revenue	$ (11,818)	$ (130)