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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands	Apr. 30, 2023	Apr. 30, 2022	Apr. 30, 2021	Apr. 30, 2020
Statement [Line Items]
Gross contract amount	$ 1,752,149	$ 1,378,803
Less unearned finance charges	(378,777)	(277,306)
Principal balance	1,373,372	1,101,497
Less allowance for credit losses	(299,608)	(237,823)	$ (177,267)	$ (148,781)
Finance receivables, net	$ 1,073,764	$ 863,674	$ 632,270	$ 472,401

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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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