v3.26.1
Finance Receivables, Net - Summary of Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($)
$ in Thousands
12 Months Ended
Apr. 30, 2026
Apr. 30, 2025
Apr. 30, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 729,937 $ 840,427  
2025 (2024) 421,283 422,316  
2024 (2023) 185,621 187,067  
2023 (2022) 61,860 52,827  
2022 (2021) 12,950 5,727  
Prior to 2022 (2021) 1,408 791  
Total $ 1,413,059 $ 1,509,155  
% 100.00% 100.00%  
Gross charge-offs, 2026 (2025) $ 119,519 $ 120,995  
Gross charge-offs, 2025 (2024) 249,473 237,829  
Gross charge-offs, 2024 (2023) 114,246 109,105  
Gross charge-offs, 2023 (2022) 40,960 28,518  
Gross charge-offs, 2022 (2021) 9,243 2,842  
Gross charge-offs, Prior to 2022 (2021) 1,120 598  
Gross charge-offs, Total 534,561 499,887 $ 525,634
Customer Score 1-2      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) 81,189 46,422  
2025 (2024) 14,093 13,367  
2024 (2023) 3,349 4,584  
2023 (2022) 1,210 743  
2022 (2021) 143 45  
Prior to 2022 (2021) 10 45  
Total $ 99,994 $ 65,206  
% 7.10% 4.30%  
Customer Rating 3-4      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 189,904 $ 284,265  
2025 (2024) 120,255 131,084  
2024 (2023) 48,506 44,141  
2023 (2022) 11,118 9,241  
2022 (2021) 1,806 826  
Prior to 2022 (2021) 353 219  
Total $ 371,942 $ 469,776  
% 26.30% 31.10%  
Customer Score 5-7      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2026 (2025) $ 458,844 $ 509,740  
2025 (2024) 286,935 277,865  
2024 (2023) 133,766 138,342  
2023 (2022) 49,532 42,843  
2022 (2021) 11,001 4,856  
Prior to 2022 (2021) 1,045 527  
Total $ 941,123 $ 974,173  
% 66.60% 64.60%