Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Jan. 31, 2026	Jan. 31, 2025
Operating activities:
Net (loss) income	$ (104,911)	$ 7,297
Adjustments to reconcile net (loss) income to net cash used in operating activities:
Provision for credit losses	327,317	281,597
Losses on claims for accident protection plan	27,765	25,013
Depreciation and amortization	6,281	5,700
Amortization of debt issuance costs	6,273	4,070
Loss on disposal of property and equipment	0	4
Impairment of assets	4,634	0
Change in goodwill	28	120
Stock based compensation	3,315	3,785
Deferred income taxes	29,868	(8,346)
Loss on extinguishment of debt	2,726	0
Change in operating assets and liabilities:
Finance receivable originations	(730,861)	(779,013)
Loan origination costs	0	16
Finance receivable collections	351,754	338,736
Accrued interest on finance receivables	(46)	(149)
Inventory	101,797	53,330
Prepaid expenses and other assets	2,113	(6,411)
Accounts payable and accrued liabilities	(12,149)	16,065
Income taxes, net	(5,629)	3,484
Net cash used in operating activities	(2,778)	(67,982)
Investing Activities:
Acquisition	0	(7,527)
Purchases of property and equipment	(1,521)	(3,089)
Proceeds from sale of property and equipment	154	24
Net cash used in investing activities	(1,367)	(10,592)
Financing Activities:
Issuance of common stock	178	74,041
Purchase of common stock	(299)	(432)
Dividend payments	(30)	(30)
Change in cash overdrafts	(1,289)	58
Debt issuance costs	(18,064)	(6,963)
Issuances of non-recourse notes payable	549,224	649,889
Payments on non-recourse notes payable	(492,287)	(479,326)
Proceeds from revolving line of credit	314,593	459,697
Principal payments to revolving credit facility	(521,691)	(586,449)
Loss on extinguishment of debt	(1,750)	0
Proceeds from senior secured note payable	288,000	0
Net cash provided by financing activities	116,585	110,485
Increase in cash, cash equivalents, and restricted cash	112,440	31,911
Cash, cash equivalents, and restricted cash beginning of period	124,537	94,447
Cash, cash equivalents, and restricted cash end of period	236,977	126,358
Deferred accident protection plan revenue
Change in operating assets and liabilities:
Deferred revenue	(4,319)	(1,462)
Deferred service contract revenue
Change in operating assets and liabilities:
Deferred revenue	$ (8,734)	$ (11,818)