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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

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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

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- Definition

Amount of insurance receivables for APP claims on financing receivables.

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Amount of allowance for APP claims on financing receivables.

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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.

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- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

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Amortized cost, before allowance for credit loss, fee, and loan in process, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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Amount of unamortized loan commitment, origination, and other costs (fees) on financing receivable recognized as adjustment to yield. Excludes financing receivable covered under loss sharing agreement.

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