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v3.23.2

Note C - Finance Receivables, Net - Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 3 Months Ended |
--- | --- | ---
Jul. 31, 2023 | Jul. 31, 2022 | Apr. 30, 2023
Current year, principal balance | $ 296,860 | $ 286,192 |
Year two, principal balance | 758,830 | 658,491 |
Year three, principal balance | 309,379 | 211,786 |
Year four, principal balance | 69,511 | 27,441 |
Year five, principal balance | 4,936 | 1,303 |
Prior, principal balance | 1,191 | 63 |
Finance Receivable, Principal Balance | $ 1,440,707 | $ 1,185,276 | $ 1,373,372
Principal balance, percentage | 100.00% | 100.00% | 100.00%
Charge-offs, current year | $ 3,239 |  |
Charge-offs, year two | 75,308 |  |
Charge-offs, year three | 28,036 |  |
Charge-offs, year four | 5,577 |  |
Charge-offs, year five | 441 |  |
Charge-offs, prior | 144 |  |
Charge-offs | 112,745 | $ 87,166 |
Customer Score 1-2 [Member] |  |  |
Current year, principal balance | 14,450 | 13,884 |
Year two, principal balance | 30,477 | 28,789 |
Year three, principal balance | 9,911 | 8,207 |
Year four, principal balance | 1,821 | 1,283 |
Year five, principal balance | 227 | 51 |
Prior, principal balance | 28 | 0 |
Finance Receivable, Principal Balance | $ 56,914 | $ 52,214 |
Principal balance, percentage | 4.00% | 4.40% |
Customer Score 3-4 [Member] |  |  |
Current year, principal balance | $ 105,595 | $ 95,459 |
Year two, principal balance | 241,759 | 208,770 |
Year three, principal balance | 84,065 | 64,427 |
Year four, principal balance | 17,510 | 8,036 |
Year five, principal balance | 1,044 | 313 |
Prior, principal balance | 311 | 21 |
Finance Receivable, Principal Balance | $ 450,284 | $ 377,026 |
Principal balance, percentage | 31.30% | 31.80% |
Customer Score 5-6 [Member] |  |  |
Current year, principal balance | $ 176,815 | $ 176,849 |
Year two, principal balance | 486,594 | 420,932 |
Year three, principal balance | 215,403 | 139,152 |
Year four, principal balance | 50,180 | 18,122 |
Year five, principal balance | 3,665 | 939 |
Prior, principal balance | 852 | 42 |
Finance Receivable, Principal Balance | $ 933,509 | $ 756,036 |
Principal balance, percentage | 64.80% | 63.80% |

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