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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands | Apr. 30, 2022 | Apr. 30, 2021 | Apr. 30, 2020 | Apr. 30, 2019
--- | --- | --- | --- | ---
Gross contract amount | $ 1,378,803 | $ 980,757 |  |
Less unearned finance charges | (277,306) | (171,220) |  |
Principal balance | 1,101,497 | 809,537 |  |
Less allowance for credit losses | (247,207) | (184,418) | $ (155,041) | $ (127,842)
Finance receivables, net | $ 854,290 | $ 625,119 | $ 466,141 | $ 415,486

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- Definition Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income). + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 8 -URI https://asc.fasb.org/extlink&oid=124259787&loc=d3e4519-111522 + Details
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