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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands	Jan. 31, 2023	Dec. 31, 2022	Apr. 30, 2022	Jan. 31, 2022	Dec. 31, 2021	Apr. 30, 2021
Gross contract amount	$ 1,643,982		$ 1,378,803
Less unearned finance charges	(338,026)		(277,306)
Principal balance	1,305,956		1,101,497	$ 1,029,203
Less allowance for credit losses	(282,775)		(237,823)	(222,214)		$ (177,267)
Finance receivables, net	$ 1,023,181	$ 1,023,181	$ 863,674	$ 806,989	$ 863,674	$ 632,270

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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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- 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, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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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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