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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Jan. 31, 2024
Jan. 31, 2023
Operating Activities:    
Net (loss) income $ (31,819) $ 18,344
Adjustments to reconcile net (loss) income to net cash used in operating activities:    
Provision for credit losses 321,300 250,719
Losses on claims for accident protection plan 24,480 17,717
Depreciation and amortization 5,101 3,997
Amortization of debt issuance costs 3,988 4,187
Loss on disposal of property and equipment 359 320
Impairment of goodwill 212 0
Stock based compensation 2,882 4,154
Deferred income taxes (18,967) 6,884
Excess tax benefit from share based compensation 213 206
Change in operating assets and liabilities:    
Finance receivable originations (794,477) (841,445)
Loan origination costs (39) 10
Finance receivable collections 324,703 308,671
Accrued interest on finance receivables (1,255) (1,323)
Inventory 103,451 76,933
Prepaid expenses and other assets (3,734) (4,990)
Accounts payable and accrued liabilities (5,824) 6,760
Income taxes, net 8,232 (6,632)
Net cash used in operating activities (63,172) (123,956)
Investing Activities:    
Purchase of investments (4,815) (5,499)
Purchase of property and equipment (4,864) (19,002)
Proceeds from sale of property and equipment 350 84
Net cash used in investing activities (9,329) (24,417)
Financing Activities:    
Exercise of stock options (455) 1,216
Issuance of common stock 218 222
Purchase of common stock (336) (5,196)
Dividend payments (30) (30)
Change in cash overdrafts 2,183 3,795
Debt issuance costs (5,892) (2,001)
Issuances of non-recourse notes payable 610,340 400,176
Payments on non-recourse notes payable (394,450) (209,327)
Proceeds from revolving line of credit 406,844 381,825
Payments on revolving line of credit (519,366) (399,424)
Net cash provided by financing activities 99,056 171,256
Increase (decrease) in cash, cash equivalents, and restricted cash 26,555 22,883
Cash, cash equivalents, and restricted cash beginning of period 68,034 42,587
Cash, cash equivalents, and restricted cash end of period 94,589 65,470
Accident Protection Plan [Member]    
Change in operating assets and liabilities:    
Deferred accident protection plan revenue (1,926) 13,987
Service Contract [Member]    
Change in operating assets and liabilities:    
Deferred accident protection plan revenue $ (130) $ 17,565