Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Oct. 31, 2025	Oct. 31, 2024
Operating Activities:
Net (loss) income	$ (28,208)	$ 4,135
Adjustments to reconcile net (loss) income to net cash provided by (used in) operating activities:
Provision for credit losses	222,109	194,945
Losses on claims for accident protection plan	18,466	16,797
Depreciation and amortization	4,241	3,810
Amortization of debt issuance costs	3,199	2,657
Loss on extinguishment of debt	2,726	0
Loss on disposal of property and equipment	0	4
Impairment of assets	1,884	0
Change in goodwill	(882)	83
Stock based compensation	2,346	5,243
Deferred income taxes	608	(5,495)
Change in operating assets and liabilities:
Finance receivable originations	(528,728)	(527,487)
Loan origination costs	0	8
Finance receivable collections	236,576	224,640
Accrued interest on finance receivables	(90)	(666)
Inventory	68,537	48,141
Prepaid expenses and other assets	435	(4,409)
Accounts payable and accrued liabilities	12,748	10,047
Income taxes, net	(9,155)	4,521
Net cash provided by (used in) operating activities	3,141	(37,206)
Investing Activities:
Acquisition	0	(7,527)
Purchases of property and equipment	(1,243)	(2,338)
Proceeds from sale of property and equipment	117	24
Net cash used in investing activities	(1,126)	(9,841)
Financing Activities:
Issuance of common stock	120	73,969
Purchase of common stock	(276)	(412)
Dividend payments	(20)	(20)
Change in cash overdrafts	(1,289)	2,074
Debt issuance costs	(16,010)	(4,467)
Issuances of non-recourse notes payable	387,960	449,889
Payments on non-recourse notes payable	(325,219)	(345,622)
Proceeds on revolving line of credit	314,593	296,424
Principal payments to revolving credit facility	(521,690)	(389,551)
Loss on extinguishment of debt	(1,750)	0
Proceeds from senior secured note payable	288,000	0
Net cash provided by financing activities	124,419	82,284
Increase in cash, cash equivalents, and restricted cash	126,434	35,237
Cash, cash equivalents, and restricted cash beginning of period	124,537	94,447
Cash, cash equivalents, and restricted cash end of period	250,971	129,684
Deferred accident protection plan revenue
Change in operating assets and liabilities:
Deferred revenue	(1,139)	(880)
Deferred service contract revenue
Change in operating assets and liabilities:
Deferred revenue	$ (2,532)	$ (13,300)