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Consolidated Balance Sheets - USD ($)
$ in Thousands
Apr. 30, 2024
Apr. 30, 2023
Cash and cash equivalents $ 5,522 $ 9,796
Restricted cash 88,925 58,238
Accrued interest on finance receivables 6,907 6,115
Finance receivables, net 1,098,591 1,063,460
Inventory 107,470 109,290
Income tax receivable, net 2,958 9,259
Prepaid expenses and other assets 31,276 26,039
Right-of-use asset 61,185 59,142
Goodwill 14,449 11,716
Property and equipment, net 60,361 61,682
Total Assets 1,477,644 1,414,737
Liabilities:    
Accounts payable 21,379 27,196
Accrued liabilities 27,828 27,912
Deferred income tax liabilities, net 17,808 39,315
Lease liability 64,250 62,300
Non-recourse notes payable, net 553,629 471,367
Revolving line of credit, net 200,819 167,231
Total liabilities 1,006,494 915,790
Commitments and Contingencies  
Mezzanine equity:    
Mandatorily redeemable preferred stock 400 400
Equity:    
Preferred stock, par value $.01 per share, 1,000,000 shares authorized; none issued or outstanding 0 0
Common stock, par value $.01 per share, 50,000,000 shares authorized; 13,727,013 and 13,701,468 issued at April 30, 2024 and April 30, 2023, respectively, of which 6,394,675 and 6,373,404 were outstanding at April 30, 2024 and April 30, 2023, respectively 137 137
Additional paid-in capital 113,930 109,929
Retained earnings 654,369 685,802
Less: Treasury stock, at cost, 7,332,338 and 7,328,064 shares at April 30, 2024 and April 30, 2023, respectively (297,786) (297,421)
Total stockholders' equity 470,650 498,447
Non-controlling interest 100 100
Total equity 470,750 498,547
Total Liabilities, Mezzanine Equity and Equity 1,477,644 1,414,737
Payment Protection Plan [Member]    
Liabilities:    
Deferred revenue 51,836 53,065
Service Contract [Member]    
Liabilities:    
Deferred revenue $ 68,945 $ 67,404