XML 52 R43.htm IDEA: XBRL DOCUMENT v3.24.0.1
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%