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v3.24.3

Note C - Finance Receivables, Net - Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 3 Months Ended |  |
--- | --- | --- | ---
Jul. 31, 2024 | Jul. 31, 2023 | Apr. 30, 2024 | Oct. 31, 2022
Current year, principal balance | $ 261,944 | $ 296,860 |  |
Year two, principal balance | 710,136 | 758,830 |  |
Year three, principal balance | 351,858 | 309,379 |  |
Year four, principal balance | 122,381 | 69,511 |  |
Year five, principal balance | 17,215 | 4,936 |  |
Prior, principal balance | 1,725 | 1,191 |  |
Finance Receivable, Principal Balance | $ 1,465,259 | $ 1,440,707 | $ 1,435,388 |
Principal balance, percentage | 100.00% | 100.00% | 100.00% | 100.00%
Charge-offs, current year | $ 2,619 | $ 3,239 |  |
Charge-offs, year two | 70,413 | 75,308 |  |
Charge-offs, year three | 36,752 | 28,036 |  |
Charge-offs, year four | 10,578 | 5,577 |  |
Charge-offs, year five | 1,048 | 441 |  |
Charge-offs, after year five | 195 | 144 |  |
Charge-offs, total | 121,605 | 112,745 |  |
Customer Score 1-2 [Member] |  |  |  |
Current year, principal balance | 18,758 | 14,450 |  |
Year two, principal balance | 34,722 | 30,477 |  |
Year three, principal balance | 10,548 | 9,911 |  |
Year four, principal balance | 2,645 | 1,821 |  |
Year five, principal balance | 245 | 227 |  |
Prior, principal balance | 90 | 28 |  |
Finance Receivable, Principal Balance | $ 67,008 | 56,914 |  |
Principal balance, percentage | 4.60% |  |  | 4.00%
Customer Score 3-4 [Member] |  |  |  |
Current year, principal balance | $ 94,738 | 105,595 |  |
Year two, principal balance | 251,217 | 241,759 |  |
Year three, principal balance | 94,939 | 84,065 |  |
Year four, principal balance | 26,565 | 17,510 |  |
Year five, principal balance | 2,899 | 1,044 |  |
Prior, principal balance | 396 | 311 |  |
Finance Receivable, Principal Balance | $ 470,754 | 450,284 |  |
Principal balance, percentage | 32.10% |  |  | 31.20%
Customer Score 5-6 [Member] |  |  |  |
Current year, principal balance | $ 148,448 | 176,815 |  |
Year two, principal balance | 424,197 | 486,594 |  |
Year three, principal balance | 246,371 | 215,403 |  |
Year four, principal balance | 93,171 | 50,180 |  |
Year five, principal balance | 14,071 | 3,665 |  |
Prior, principal balance | 1,239 | 852 |  |
Finance Receivable, Principal Balance | $ 927,497 | $ 933,509 |  |
Principal balance, percentage | 63.30% |  |  | 64.80%

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