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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Apr. 30, 2024
Apr. 30, 2023
Apr. 30, 2022
Net income $ (31,393) $ 20,432 $ 95,014
Adjustments to reconcile net income to net cashprovided by operating activities:      
Provision for credit losses 423,406 352,860 238,054
Losses on claims for accident protection plan 34,504 25,107 21,871
Depreciation and amortization 6,871 5,602 4,033
Amortization of debt issuance costs 5,139 5,461 775
Loss (gain) on disposal of property and equipment 437 361 149
Stock-based compensation 4,174 5,314 5,496
Impairment of goodwill 267 0 0
Deferred income taxes (21,507) 8,866 8,750
Change in operating assets and liabilities:      
Finance receivable originations (1,079,946) (1,161,132) (1,009,858)
Loan origination costs (40) 10 20
Finance receivable collections 455,828 434,458 417,796
Accrued interest on finance receivables (792) (1,188) (1,559)
Inventory 139,186 133,047 51,057
Prepaid expenses and other assets (7,386) (6,235) (7,974)
Accounts payable and accrued liabilities (9,338) 8,621 5,167
Income taxes, net 6,301 (8,984) (424)
Net cash used in operating activities (73,898) (135,728) (119,178)
Investing Activities:      
Purchase of investments (4,815) (5,549) (1,574)
Purchase of property and equipment (6,146) (22,106) (15,796)
Proceeds from sale of property and equipment 316 84 20
Net cash used in investing activities (10,645) (27,571) (17,350)
Financing Activities:      
Exercise of stock options (455) 1,216 (1,488)
Issuance of common stock 282 286 293
Purchase of common stock (365) (5,196) (34,698)
Dividend payments (40) (40) (40)
Debt issuance costs (5,897) (2,263) (6,108)
Change in cash overdrafts 823 0 (1,802)
Issuances of non-recourse notes payable 610,340 400,176 399,994
Principal payments on notes payable (526,959) (327,276) 0
Proceeds from revolving credit facilities 554,593 524,531 331,113
Payments on revolving line of credit (521,366) (402,688) (511,042)
Net cash provided by financing activities 110,956 188,746 176,222
Increase (decrease) in cash, cash equivalents, and restricted cash 26,413 25,447 39,694
Cash, cash equivalents, and restricted cash beginning of period 68,034 42,587 2,893
Cash, cash equivalents, and restricted cash end of period 94,447 68,034 42,587
Accident Protection Plan [Member]      
Change in operating assets and liabilities:      
Deferred revenue (1,229) 17,150 21,850
Deferred service contract revenue (1,229) 17,150 21,850
Service Contract [Member]      
Change in operating assets and liabilities:      
Deferred revenue 1,540 24,542 30,645
Deferred service contract revenue $ 1,540 $ 24,542 $ 30,645