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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands | Apr. 30, 2024 | Apr. 30, 2023 | Apr. 30, 2022 | Apr. 30, 2021
--- | --- | --- | --- | ---
Gross contract amount | $ 1,844,392 | $ 1,752,149 |  |
Less unearned finance charges | (409,004) | (378,777) |  |
Principal balance | 1,435,388 | 1,373,372 |  |
Less: estimated insurance receivables for APP claims | (3,026) | (5,694) |  |
Less: allowance for APP claims | (3,171) | (5,310) |  |
Less: allowance for credit losses | (331,260) | (299,608) | $ (237,823) | $ (177,267)
Finance receivables, net | 1,097,931 | 1,062,760 | $ 855,424 | $ 626,077
Loan origination costs | 660 | 700 |  |
Finance receivables, net, including loan origination costs | $ 1,098,591 | $ 1,063,460 |  |

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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 unearned discount, finance charge, and interest included in face amount of receivable. Excludes cash or quantity discount or both. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 8 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-8 + Details
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