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Note C - Finance Receivables, Net - Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 6 Months Ended | 9 Months Ended |  |
--- | --- | --- | --- | ---
Oct. 31, 2023 | Jan. 31, 2024 | Jan. 31, 2023 | Apr. 30, 2023 | Oct. 31, 2022
Current year, principal balance | $ 663,805 |  |  |  | $ 701,419
Year two, principal balance | 524,119 |  |  |  | 460,339
Year three, principal balance | 202,501 |  |  |  | 130,356
Year four, principal balance | 35,391 |  |  |  | 11,908
Year five, principal balance | 2,371 |  |  |  | 1,277
Prior, principal balance | 721 |  |  |  | 657
Finance Receivable, Principal Balance | $ 1,428,908 | $ 1,428,908 | $ 1,305,956 | $ 1,373,372 | $ 1,305,956
Principal balance, percentage | 100.00% | 100.00% | 100.00% | 100.00% | 100.00%
Charge-offs, current year | $ 87,675 |  |  |  |
Charge-offs, year two | 211,642 |  |  |  |
Charge-offs, year three | 72,511 |  |  |  |
Charge-offs, year four | 13,111 |  |  |  |
Charge-offs, year five | 957 |  |  |  |
Charge-offs, prior | 453 |  |  |  |
Charge-offs | 386,349 | $ 386,349 | $ 296,154 |  |
Customer Score 1-2 [Member] |  |  |  |  |
Current year, principal balance | 32,854 |  |  |  | $ 31,580
Year two, principal balance | 18,416 |  |  |  | 17,295
Year three, principal balance | 5,298 |  |  |  | 4,212
Year four, principal balance | 661 |  |  |  | 545
Year five, principal balance | 124 |  |  |  | 35
Prior, principal balance | 13 |  |  |  | 12
Finance Receivable, Principal Balance | $ 57,366 |  |  |  | $ 53,679
Principal balance, percentage | 4.00% |  |  |  | 4.10%
Customer Score 3-4 [Member] |  |  |  |  |
Current year, principal balance | $ 236,351 |  |  |  | $ 232,273
Year two, principal balance | 153,436 |  |  |  | 135,531
Year three, principal balance | 50,070 |  |  |  | 36,562
Year four, principal balance | 7,414 |  |  |  | 2,974
Year five, principal balance | 450 |  |  |  | 332
Prior, principal balance | 178 |  |  |  | 192
Finance Receivable, Principal Balance | $ 447,899 |  |  |  | $ 407,864
Principal balance, percentage | 31.40% |  |  |  | 31.20%
Customer Score 5-6 [Member] |  |  |  |  |
Current year, principal balance | $ 394,600 |  |  |  | $ 437,566
Year two, principal balance | 352,267 |  |  |  | 307,513
Year three, principal balance | 147,133 |  |  |  | 89,582
Year four, principal balance | 27,316 |  |  |  | 8,389
Year five, principal balance | 1,797 |  |  |  | 910
Prior, principal balance | 530 |  |  |  | 453
Finance Receivable, Principal Balance | $ 923,643 |  |  |  | $ 844,413
Principal balance, percentage | 64.60% |  |  |  | 64.70%

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