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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

The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.

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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.

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Amount of insurance receivables for APP claims on financing receivables.

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Amount of allowance for APP claims on financing receivables.

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Amount of unearned discount, finance charge, and interest included in face amount of receivable. Excludes cash or quantity discount or both.

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

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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.

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