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Note C - Finance Receivables, Net - Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |  |
--- | --- | --- | --- | ---
Oct. 31, 2024 | Oct. 31, 2023 | Oct. 31, 2024 | Oct. 31, 2023 | Apr. 30, 2024 | Oct. 31, 2022
Current year, principal balance | $ 471,360 | $ 533,024 | $ 471,360 | $ 533,024 |  |
Year two, principal balance | 603,350 | 625,856 | 603,350 | 625,856 |  |
Year three, principal balance | 290,958 | 250,507 | 290,958 | 250,507 |  |
Year four, principal balance | 94,872 | 49,783 | 94,872 | 49,783 |  |
Year five, principal balance | 11,918 | 3,278 | 11,918 | 3,278 |  |
Prior, principal balance | 1,336 | 950 | 1,336 | 950 |  |
Finance Receivable, Principal Balance | $ 1,473,794 | $ 1,463,398 | $ 1,473,794 | $ 1,463,398 | $ 1,435,388 |
Principal balance, percentage | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00%
Charge-offs, total | $ 24,742 | $ 36,228 |  |  |  |
Charge-offs, total | 137,604 | 153,765 |  |  |  |
Charge-offs, total | 66,999 | 54,307 |  |  |  |
Charge-offs, total | 18,381 | 10,301 |  |  |  |
Charge-offs, total | 1,993 | 791 |  |  |  |
Charge-offs, total | 338 | 293 |  |  |  |
Charge-offs, total | 250,057 | 255,685 | $ 250,057 | $ 255,685 |  |
Customer Score 1-2 [Member] |  |  |  |  |  |
Current year, principal balance | 30,975 | 26,044 | 30,975 | 26,044 |  |
Year two, principal balance | 27,649 | 23,346 | 27,649 | 23,346 |  |
Year three, principal balance | 8,152 | 7,271 | 8,152 | 7,271 |  |
Year four, principal balance | 1,805 | 1,127 | 1,805 | 1,127 |  |
Year five, principal balance | 133 | 150 | 133 | 150 |  |
Prior, principal balance | 54 | 13 | 54 | 13 |  |
Finance Receivable, Principal Balance | $ 68,768 | 57,951 | $ 68,768 | 57,951 |  |
Principal balance, percentage | 4.70% |  | 4.70% |  |  | 4.00%
Customer Score 3-4 [Member] |  |  |  |  |  |
Current year, principal balance | $ 171,128 | 189,850 | $ 171,128 | 189,850 |  |
Year two, principal balance | 206,403 | 190,995 | 206,403 | 190,995 |  |
Year three, principal balance | 75,913 | 64,672 | 75,913 | 64,672 |  |
Year four, principal balance | 19,301 | 11,479 | 19,301 | 11,479 |  |
Year five, principal balance | 1,836 | 643 | 1,836 | 643 |  |
Prior, principal balance | 313 | 246 | 313 | 246 |  |
Finance Receivable, Principal Balance | $ 474,894 | 457,885 | $ 474,894 | 457,885 |  |
Principal balance, percentage | 32.20% |  | 32.20% |  |  | 31.30%
Customer Score 5-6 [Member] |  |  |  |  |  |
Current year, principal balance | $ 269,257 | 317,130 | $ 269,257 | 317,130 |  |
Year two, principal balance | 369,298 | 411,515 | 369,298 | 411,515 |  |
Year three, principal balance | 206,893 | 178,564 | 206,893 | 178,564 |  |
Year four, principal balance | 73,766 | 37,177 | 73,766 | 37,177 |  |
Year five, principal balance | 9,949 | 2,485 | 9,949 | 2,485 |  |
Prior, principal balance | 969 | 691 | 969 | 691 |  |
Finance Receivable, Principal Balance | $ 930,132 | $ 947,562 | $ 930,132 | $ 947,562 |  |
Principal balance, percentage | 63.10% |  | 63.10% |  |  | 64.70%

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