v3.25.2
Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Jul. 31, 2025
Jul. 31, 2024
Operating Activities:    
Net loss $ (5,736) $ (964)
Adjustments to reconcile net loss to net cash used in operating activities:    
Provision for credit losses 103,036 95,423
Losses on claims for accident protection plan 8,595 9,321
Depreciation and amortization 2,139 1,884
Amortization of debt issuance costs 1,269 1,265
Gain on disposal of property and equipment (9) 0
Impairment of goodwill 14 46
Stock based compensation 1,157 1,324
Deferred income taxes 608 (943)
Change in operating assets and liabilities:    
Finance receivable originations (262,746) (271,756)
Finance receivable collections 118,720 112,358
Accrued interest on finance receivables (713) (600)
Inventory 28,618 25,603
Prepaid expenses and other assets (787) (2,332)
Accounts payable and accrued liabilities 3,205 11,466
Income taxes, net (2,255) 2,021
Net cash used in operating activities (5,918) (14,972)
Investing Activities:    
Purchase of investments 0 (7,527)
Purchase of property and equipment (459) (986)
Proceeds from sale of property and equipment 20 0
Net cash used in investing activities (439) (8,513)
Financing Activities:    
Issuance of common stock 69 76
Purchase of common stock (71) (24)
Dividend payments (10) (10)
Change in cash overdrafts 6,162 989
Debt issuance costs (1,708) (1,387)
Issuances of notes payable 216,000 149,889
Payments on notes payable (177,499) (106,076)
Proceeds from revolving line of credit 158,571 136,000
Payments on revolving line of credit (198,267) (151,798)
Net cash provided by financing activities 3,247 27,659
(Decrease) increase in cash, cash equivalents, and restricted cash (3,110) 4,174
Cash, cash equivalents, and restricted cash beginning of period 124,537 94,447
Cash, cash equivalents, and restricted cash end of period 121,427 98,621
Deferred accident protection plan revenue    
Change in operating assets and liabilities:    
Deferred revenue (578) 205
Deferred service contract revenue    
Change in operating assets and liabilities:    
Deferred revenue $ (455) $ 707