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v3.25.2

Summary of Significant Accounting Policies - Additional Information (Details) $ in Thousands |  | 3 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jul. 12, 2024 USD ($) | Jul. 31, 2025 USD ($) subsidiary segment shares | Jul. 31, 2024 USD ($) | Apr. 30, 2025 USD ($)
Number of reportable segments | segment |  | 1 |  |
Sales |  | $ 276,240 | $ 287,248 |
Issuances of notes payable |  | $ 216,000 | $ 149,889 |
Average finance receivable interest rate (in percent) |  | 17.60% |  |
Accrued interest on finance receivables |  | $ 8,145 |  | $ 7,432
Finance receivables, customer payments due either weekly or bi-weekly (in percent) |  | 78.00% |  |
Financing receivable, greater than or equal to 30 days past due (in percent) |  | 3.80% |  | 3.40%
Financing receivables (in percent) |  | 12.90% | 13.80% |
Allowance for credit losses, primary factor units repossessed or charged off evaluation (in days) |  | 71 days |  | 70 days
Financing receivable, weighted average contract term (in months) |  | 48 months 9 days |  |
Financing receivable, remaining contract term (in months) |  | 35 months 21 days |  |
Financing receivables, allowance for credit losses and other losses |  | $ 326,100 |  |
Financing receivable, allowance for credit loss to outstanding (in percent) |  | 23.35% |  | 23.25%
Total |  | $ 1,515,681 | $ 1,465,259 | $ 1,509,155
Impairment of goodwill |  | 14 | $ 46 |
Goodwill |  | $ 23,700 |  | 22,800
Effective income tax rate |  | 22.51% | 18.50% |
Decreased tax benefit, share-based compensation |  | $ 52 |  |
Income tax examination, penalties and interest accrued |  | 0 |  | 0
Financing receivable, recorded investment greater than 90 days past due |  | 7,800 |  | $ 5,600
Late fee income generated by servicing financial assets, amount |  | $ 1,700 | $ 1,200 |
Late Fee Income, Servicing Financial Asset, Statement of Income or Comprehensive Income [Extensible Enumeration] |  | Interest and other income | Interest and other income |
Revenue recognized |  | $ 12,400 |  |
Tax adjustments, settlements, and unusual provisions |  |  | $ 0 |
Treasury stock shares to establish reserve account to secure service contracts (in shares) | shares |  | 10,000 |  |
Closure of Acquired Dealership |  |  |  |
Impairment of goodwill |  | $ 14 |  |
Installment Sale |  |  |  |
Financing receivables (in percent) |  | 1.50% |  | 1.10%
ACM Insurance Company |  |  |  |
Treasury stock, shares to establish reserve account to meet regulatory requirements for insurance company (in shares) | shares |  | 14,000 |  |
Capitalized Computing Implementation Service Contract |  |  |  |
Capitalized contract cost |  | $ 21,300 |  | $ 19,900
Capitalized contract cost, amortization |  | $ 1,400 | 958 |
Minimum |  |  |  |
Fixed interest rate (in percent) |  | 12.99% |  |
Maximum |  |  |  |
Fixed interest rate (in percent) |  | 23.00% |  |
Warehouse Facility |  |  |  |
Issuances of notes payable | $ 150,000 |  | 150,000 |
Notes payable, percentage of note classified as non-recourse |  | 10.00% |  |
Revenue Benchmark | Customer Concentration Risk | ARKANSAS |  |  |  |
Concentration risk (in percent) |  | 30.00% |  |
Wholesales – third party |  |  |  |
Sales |  | $ 10,794 | $ 9,696 |
Deferred accident protection plan revenue |  |  |  |
Deferred revenue |  | 50,900 |  |
Accident Protection Plan Claims |  |  |  |
Contract with customer, refund liability |  | 7,000 |  |
Deferred service contract revenue |  |  |  |
Deferred revenue |  | $ 61,332 |  | $ 61,787
Contract with customer liability recognition period (in months) |  | 9 months |  |
Contract with customer liability revenue recognition miles | subsidiary |  | 12,000 |  |

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