XML 56 R46.htm IDEA: XBRL DOCUMENT v3.25.3
Finance Receivables, Net - Summary of Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($)
$ in Thousands
6 Months Ended
Oct. 31, 2025
Oct. 31, 2024
Apr. 30, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 482,658 $ 471,360  
2025 (2024) 604,564 603,350  
2024 (2023) 286,828 290,958  
2023 (2022) 111,517 94,872  
2022 (2021) 26,681 11,918  
Prior to 2022 (2021) 3,165 1,336  
Total $ 1,515,413 $ 1,473,794 $ 1,509,155
Percent of Portfolio 100.00% 100.00% 100.00%
Charge-offs, 2026 (2025) $ 24,310 $ 24,742  
Charge-offs, 2025 (2024) 140,956 137,604  
Charge-offs, 2024 (2023) 70,014 66,999  
Charge-offs, 2023 (2022) 27,109 18,381  
Charge-offs, 2022 (2021) 6,404 1,993  
Charge-offs, Prior to 2022 (2021) 634 338  
Charge-offs, total 269,427 250,057  
Customer Score 1-2      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) 56,403 30,975  
2025 (2024) 22,175 27,649  
2024 (2023) 11,062 8,152  
2023 (2022) 2,597 1,805  
2022 (2021) 376 133  
Prior to 2022 (2021) 46 54  
Total $ 92,659 $ 68,768  
Percent of Portfolio 6.10% 4.70%  
Customer Score 3-4      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 130,404 $ 171,128  
2025 (2024) 158,907 206,403  
2024 (2023) 84,553 75,913  
2023 (2022) 23,313 19,301  
2022 (2021) 4,029 1,836  
Prior to 2022 (2021) 589 313  
Total $ 401,795 $ 474,894  
Percent of Portfolio 26.50% 32.20%  
Customer Score 5-7      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 295,851    
2025 (2024) 423,482    
2024 (2023) 191,213    
2023 (2022) 85,607    
2022 (2021) 22,276    
Prior to 2022 (2021) 2,530    
Total $ 1,020,959    
Percent of Portfolio 67.40%    
Customer Score 5-6      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025)   $ 269,257  
2025 (2024)   369,298  
2024 (2023)   206,893  
2023 (2022)   73,766  
2022 (2021)   9,949  
Prior to 2022 (2021)   969  
Total   $ 930,132  
Percent of Portfolio   63.10%