Finance Receivables, Net - Summary of Components of Finance Receivables (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Apr. 30, 2025	Jan. 31, 2025	Apr. 30, 2024
Receivables [Abstract]
Gross contract amount	$ 1,882,656	$ 1,946,042
Less: unearned finance charges	(415,737)	(436,887)
Principal balance	1,466,919	1,509,155	$ 1,485,981
Less: estimated insurance receivables for accident protection plan claims	(2,510)	(2,910)
Less: allowance for accident protection plan claims	(2,777)	(3,135)
Less: allowance for credit losses	(347,565)	(323,100)	(333,338)	$ (331,260)
Finance receivables, net	1,114,067	1,180,010	$ 1,145,567
Loan origination costs	605	663
Finance receivables, net, including loan origination costs	$ 1,114,672	$ 1,180,673		$ 1,097,931

The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.

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- Definition

Amortized cost, after allowance for credit loss, before loan origination cost, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

+ References

No definition available.

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- Definition

Amount of insurance receivables for APP claims on financing receivables.

+ References

No definition available.

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- Definition

Amount of allowance for APP claims on financing receivables.

+ References

No definition available.

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- Definition

Amount of unearned discount, finance charge, and interest included in face amount of receivable. Excludes cash or quantity discount or both.

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- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

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Amortized cost, before allowance for credit loss, fee, and loan in process, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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Amount of unamortized loan commitment, origination, and other costs (fees) on financing receivable recognized as adjustment to yield. Excludes financing receivable covered under loss sharing agreement.

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Amortized cost, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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