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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Apr. 30, 2025
Apr. 30, 2024
Apr. 30, 2023
Operating activities:      
Net income (loss) $ 17,932 $ (31,393) $ 20,432
Adjustments to reconcile net income (loss) to net cash used in operating activities:      
Provision for credit losses 374,559 423,406 352,860
Losses on claims for accident protection plan 34,525 34,504 25,107
Depreciation and amortization 7,647 6,871 5,602
Amortization of debt issuance costs 6,200 5,139 5,461
Stock-based compensation 4,708 4,174 5,314
Change in fair value of contingent consideration 161 0 0
Impairment of goodwill 140 267 0
(Gain) loss on disposal of property and equipment (2) 437 361
Deferred income taxes (10,662) (21,507) 8,866
Excess tax benefit from share based compensation 0 0 0
Change in operating assets and liabilities:      
Finance receivable originations (1,075,080) (1,079,946) (1,161,132)
Loan origination costs (2) 40 (10)
Finance receivable collections 469,379 455,828 434,458
Accrued interest on finance receivables (525) (792) (1,188)
Inventory 114,573 139,186 133,047
Prepaid expenses and other assets (6,806) (7,386) (6,235)
Accounts payable and accrued liabilities 17,616 (9,338) 8,621
Income taxes, net 4,409 6,301 (8,984)
Net cash used in operating activities (48,764) (73,898) (135,728)
Investing Activities:      
Purchase of investments (7,527) (4,815) (5,549)
Purchases of property and equipment (3,890) (6,146) (22,106)
Proceeds from sale of property and equipment 42 316 84
Net cash used in investing activities (11,375) (10,645) (27,571)
Financing Activities:      
Exercise of stock options 0 (455) 1,216
Issuance of common stock 74,106 282 286
Purchase of common stock (434) (365) (5,196)
Dividend payments (40) (40) (40)
Debt issuance costs (9,006) (5,897) (2,263)
Change in cash overdrafts 466 823 0
Issuances of notes payable 649,889 610,340 400,176
Payments on notes payable (631,331) (526,959) (327,276)
Proceeds from revolving credit facilities 601,091 554,593 524,531
Payments on revolving credit facilities (594,512) (521,366) (402,688)
Net cash provided by financing activities 90,229 110,956 188,746
Increase in cash, cash equivalents, and restricted cash 30,090 26,413 25,447
Cash, cash equivalents, and restricted cash beginning of period 94,447 68,034 42,587
Cash, cash equivalents, and restricted cash end of period 124,537 94,447 68,034
Deferred accident protection plan revenue      
Change in operating assets and liabilities:      
Deferred revenue (378) (1,229) 17,150
Deferred service contract revenue      
Change in operating assets and liabilities:      
Deferred revenue $ (7,158) $ 1,540 $ 24,542