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v3.25.0.1

Finance Receivables, Net - Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 9 Months Ended |
--- | --- | ---
Jan. 31, 2025 | Jan. 31, 2024 | Apr. 30, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 650,330 | $ 663,805 |
2024 (2023) | 515,729 | 524,119 |
2023 (2022) | 238,969 | 202,501 |
2022 (2021) | 71,679 | 35,391 |
2021 (2020) | 8,212 | 2,371 |
Prior to 2021 (2020) | 1,062 | 721 |
Total | $ 1,485,981 | $ 1,428,908 | $ 1,435,388
% | 100.00% | 100.00% | 100.00%
Charge-offs, 2025 (2024) | $ 62,044 | $ 87,675 |
Charge-offs, 2024 (2023) | 188,736 | 211,642 |
Charge-offs, 2023 (2022) | 89,615 | 72,511 |
Charge-offs, 2022 (2021) | 24,130 | 13,111 |
Charge-offs, 2021 (2020) | 2,562 | 957 |
Charge-offs, Prior to 2021 (2020) | 467 | 453 |
Charge-offs, Total | 367,554 | 386,349 |
Customer Rating 1-2 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | 42,886 | 32,854 |
2024 (2023) | 22,136 | 18,416 |
2023 (2022) | 6,330 | 5,298 |
2022 (2021) | 1,189 | 661 |
2021 (2020) | 69 | 124 |
Prior to 2021 (2020) | 50 | 13 |
Total | $ 72,660 | $ 57,366 |
% | 4.90% | 4.00% |
Customer Rating 3-4 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 234,245 | $ 236,351 |
2024 (2023) | 171,447 | 153,436 |
2023 (2022) | 59,807 | 50,070 |
2022 (2021) | 13,628 | 7,414 |
2021 (2020) | 1,228 | 450 |
Prior to 2021 (2020) | 279 | 178 |
Total | $ 480,634 | $ 447,899 |
% | 32.30% | 31.40% |
Customer Rating 5-6 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2025 (2024) | $ 373,199 | $ 394,600 |
2024 (2023) | 322,146 | 352,267 |
2023 (2022) | 172,832 | 147,133 |
2022 (2021) | 56,862 | 27,316 |
2021 (2020) | 6,915 | 1,797 |
Prior to 2021 (2020) | 733 | 530 |
Total | $ 932,687 | $ 923,643 |
% | 62.80% | 64.60% |

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