XML 69 R54.htm IDEA: XBRL DOCUMENT v3.25.2
Finance Receivables, Net - Loan Modifications (Details) - USD ($)
$ in Thousands
12 Months Ended
Apr. 30, 2025
Apr. 30, 2024
Apr. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance $ 436,141 $ 473,921 $ 454,052
% of Portfolio 28.90% 33.00% 33.00%
Term extension      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance $ 425,791 $ 462,992 $ 445,288
% of Portfolio 28.20% 32.20% 32.40%
Weighted average term increase from modification 2 months 6 days 2 months 9 days 2 months 18 days
Term extension | Current      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance $ 304,859 $ 326,937 $ 352,013
Term extension | 3-29 Days Past Due      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance 100,554 117,390 72,146
Term extension | 30-60 Days Past Due      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance 14,149 13,890 15,397
Term extension | 61-90 Days Past Due      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance 3,900 2,724 3,583
Term extension | 90+ Days Past Due      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance 2,329 2,051 2,149
Combination      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Principal Balance $ 10,350 $ 10,929 $ 8,764
% of Portfolio 0.70% 0.80% 0.60%
Weighted average term increase from modification 10 months 16 days 11 months 18 days 13 months 28 days
Payments Received $ 10,350 $ 10,929 $ 8,764
Combination | Payment Received in Last 30 Days      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Payments Received 5,864 5,528 4,957
Combination | Payment Received in Last 31-60 Days      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Payments Received 1,596 1,808 1,213
Combination | Payment Received in Last 61-90 Days      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Payments Received 843 1,366 828
Combination | Payment Received in Last 90+ Days      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Payments Received $ 2,047 $ 2,227 $ 1,766
Combination | Minimum      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Interest rate decrease from modification 4.25% 4.25% 5.00%
Combination | Maximum      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Interest rate decrease from modification 10.50% 18.00% 16.90%