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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands | Oct. 31, 2023 | Apr. 30, 2023 | Oct. 31, 2022 | Apr. 30, 2022
--- | --- | --- | --- | ---
Gross contract amount | $ 1,872,863 | $ 1,752,149 |  |
Less unearned finance charges | (409,465) | (378,777) |  |
Principal balance | 1,463,398 | 1,373,372 | $ 1,259,649 |
Less: estimated insurance receivables for APP claims | (7,237) | (5,694) |  |
Less: allowance for APP claims | (7,305) | (5,310) |  |
Less: allowance for credit losses | (344,330) | (299,608) | (272,730) | $ (237,823)
Finance receivables, net | 1,104,526 | 1,062,760 | $ 977,561 | $ 855,423
Loan origination costs | 710 | 700 |  |
Finance receivables, net, including loan origination costs | $ 1,105,236 | $ 1,063,460 |  |

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- Definition The principal balance of finance receivables after deducting unearned finance charges from gross contract amount. + References No definition available. + Details
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- Definition Amortized cost, after allowance for credit loss, before loan origination cost, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + References No definition available. + Details
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- Definition Amount of insurance receivables for APP claims on financing receivables. + References No definition available. + Details
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- Definition Amount of allowance for APP claims on financing receivables. + References No definition available. + Details
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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 -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 8 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481990/310-10-45-8 + Details
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- Definition Amount of unamortized loan commitment, origination, and other costs (fees) on financing receivable recognized as adjustment to yield. Excludes financing receivable covered under loss sharing agreement. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 4 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-4 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481598/310-20-45-1 Reference 3: http://www.xbrl.org/2003/role/recommendedDisclosureRef -Name Accounting Standards Codification -Section 50 -Paragraph 3 -SubTopic 20 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481569/310-20-50-3 + Details
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