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v3.25.2

Finance Receivables, Net - Summary of Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($) $ in Thousands | 3 Months Ended |
--- | --- | ---
Jul. 31, 2025 | Jul. 31, 2024 | Apr. 30, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2026 (2025) | $ 255,947 | $ 261,944 |
2025 (2024) | 719,286 | 710,136 |
2024 (2023) | 351,855 | 351,858 |
2023 (2022) | 146,051 | 122,381 |
2022 (2021) | 37,999 | 17,215 |
Prior to 2022 (2021) | 4,543 | 1,725 |
Total | $ 1,515,681 | $ 1,465,259 | $ 1,509,155
Percent of Portfolio | 100.00% | 100.00% | 100.00%
Charge-offs, 2026 (2025) | $ 2,241 | $ 2,619 |
Charge-offs, 2025 (2024) | 69,568 | 70,413 |
Charge-offs, 2024 (2023) | 37,819 | 36,752 |
Charge-offs, 2023 (2022) | 15,307 | 10,578 |
Charge-offs, 2022 (2021) | 3,586 | 1,048 |
Charge-offs, Prior to 2022 (2021) | 355 | 195 |
Charge-offs, total | 128,876 | 121,605 |
Customer Score 1-2 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2026 (2025) | 32,567 | 18,758 |
2025 (2024) | 24,592 | 34,722 |
2024 (2023) | 12,365 | 10,548 |
2023 (2022) | 3,742 | 2,645 |
2022 (2021) | 552 | 245 |
Prior to 2022 (2021) | 65 | 90 |
Total | $ 73,883 | $ 67,008 |
Percent of Portfolio | 4.90% | 4.60% |
Customer Score 3-4 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2026 (2025) | $ 71,617 | $ 94,738 |
2025 (2024) | 183,952 | 251,217 |
2024 (2023) | 102,214 | 94,939 |
2023 (2022) | 32,313 | 26,565 |
2022 (2021) | 6,218 | 2,899 |
Prior to 2022 (2021) | 768 | 396 |
Total | $ 397,082 | $ 470,754 |
Percent of Portfolio | 26.20% | 32.10% |
Customer Score 5-7 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2026 (2025) | $ 151,763 |  |
2025 (2024) | 510,742 |  |
2024 (2023) | 237,276 |  |
2023 (2022) | 109,996 |  |
2022 (2021) | 31,229 |  |
Prior to 2022 (2021) | 3,710 |  |
Total | $ 1,044,716 |  |
Percent of Portfolio | 68.90% |  |
Customer Score 5-6 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2026 (2025) |  | $ 148,448 |
2025 (2024) |  | 424,197 |
2024 (2023) |  | 246,371 |
2023 (2022) |  | 93,171 |
2022 (2021) |  | 14,071 |
Prior to 2022 (2021) |  | 1,239 |
Total |  | $ 927,497 |
Percent of Portfolio |  | 63.30% |

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