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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands	Jan. 31, 2022	Apr. 30, 2021	Jan. 31, 2021	Apr. 30, 2020
Gross contract amount	$ 1,268,390	$ 980,757
Less unearned finance charges	(239,187)	(171,220)
Principal balance	1,029,203	809,537	$ 744,521
Less allowance for credit losses	(231,966)	(184,418)	(185,580)	$ (155,041)
Finance receivables, net	$ 797,237	$ 625,119	$ 558,941	$ 466,141

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- Definition

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

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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).

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

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Amount, before allowance for credit loss, of financing receivable.

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

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