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v3.25.2

Finance Receivables, Net - Summary of Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Apr. 30, 2025 | Apr. 30, 2024 | Apr. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 840,427 | $ 829,303 |
2024 (2023) | 422,316 | 422,859 |
2023 (2022) | 187,067 | 156,628 |
2022 (2021) | 52,827 | 24,379 |
2021 (2020) | 5,727 | 1,636 |
Prior to 2021 (2020) | 791 | 583 |
Total | $ 1,509,155 | $ 1,435,388 |
% | 100.00% | 100.00% |
Gross charge-offs, 2025 (2024) | $ 120,995 | $ 155,385 |
Gross charge-offs, 2024 (2023) | 237,829 | 265,609 |
Gross charge-offs, 2023 (2022) | 109,105 | 88,160 |
Gross charge-offs, 2022 (2021) | 28,518 | 14,835 |
Gross charge-offs, 2021 (2020) | 2,842 | 1,081 |
Gross charge-offs, Prior to 2021 (2020) | 598 | 564 |
Gross charge-offs, Total | 499,887 | 525,634 | $ 414,397
Customer Score 1-2 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | 46,422 | 43,445 |
2024 (2023) | 13,367 | 13,757 |
2023 (2022) | 4,584 | 3,668 |
2022 (2021) | 743 | 375 |
2021 (2020) | 45 | 95 |
Prior to 2021 (2020) | 45 | 6 |
Total | $ 65,206 | $ 61,346 |
% | 4.30% | 4.30% |
Customer Rating 3-4 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 284,265 | $ 300,323 |
2024 (2023) | 131,084 | 117,904 |
2023 (2022) | 44,141 | 36,349 |
2022 (2021) | 9,241 | 4,552 |
2021 (2020) | 826 | 325 |
Prior to 2021 (2020) | 219 | 158 |
Total | $ 469,776 | $ 459,611 |
% | 31.10% | 32.00% |
Customer Score 5-7 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 509,740 |  |
2024 (2023) | 277,865 |  |
2023 (2022) | 138,342 |  |
2022 (2021) | 42,843 |  |
2021 (2020) | 4,856 |  |
Prior to 2021 (2020) | 527 |  |
Total | $ 974,173 |  |
% | 64.60% |  |
Customer Rating 5-6 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) |  | $ 485,535 |
2024 (2023) |  | 291,198 |
2023 (2022) |  | 116,611 |
2022 (2021) |  | 19,452 |
2021 (2020) |  | 1,216 |
Prior to 2021 (2020) |  | 419 |
Total |  | $ 914,431 |
% |  | 63.70% |

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