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%