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Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($) $ in Thousands | Jul. 31, 2024 | Apr. 30, 2024 | Jul. 31, 2023 | Apr. 30, 2023
--- | --- | --- | --- | ---
Gross contract amount | $ 1,883,106 | $ 1,844,392 |  |
Less unearned finance charges | (417,847) | (409,004) |  |
Principal balance | 1,465,259 | 1,435,388 | $ 1,440,707 |
Less: estimated insurance receivables for APP claims | (2,468) | (3,026) |  |
Less: allowance for APP claims | (2,757) | (3,171) |  |
Less: allowance for credit losses | (334,424) | (331,260) | (314,442) | $ (299,608)
Finance receivables, net | 1,125,610 | 1,097,931 | $ 1,114,519 | $ 1,062,760
Loan origination costs | 661 | 660 |  |
Finance receivables, net, including loan origination costs | $ 1,126,271 | $ 1,098,591 |  |

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- Definition The principal balance of finance receivables after deducting unearned finance charges from gross contract amount. + References No definition available. + Details
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- Definition Amortized cost, after allowance for credit loss, before loan origination cost, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + References No definition available. + Details
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- Definition Amount of unearned discount, finance charge, and interest included in face amount of receivable. Excludes cash or quantity discount or both. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 8 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-8 + Details
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