v3.26.1
Summary of Significant Accounting Policies - Additional Information (Details)
$ in Thousands
 3 Months Ended 12 Months Ended
Jul. 31, 2026
USD ($)
subsidiary
mi
segment
shares
Jul. 31, 2025
USD ($)
Apr. 30, 2026
USD ($)
dealership
Oct. 31, 2024
subsidiary
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Number of reportable segments | segment 1      
Repayments of lines of credit $ 0 $ 198,267    
Average finance receivable interest rate (in percent) 17.70%      
Accrued interest on finance receivables $ 6,919   $ 8,029  
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) 4.60%   4.10%  
Financing receivables (in percent) 12.50% 12.90%    
Allowance for credit losses, primary factor units repossessed or charged off evaluation (in days) 101 days   73 days  
Financing receivable, weighted average contract term (in months) 49 months 9 days      
Financing receivable, remaining contract term (in months) 33 months 24 days      
Financing receivables, allowance for credit losses and other losses $ 277,000      
Financing receivable, allowance for credit loss to outstanding (in percent) 24.74%   25.15%  
Total $ 1,190,950 $ 1,515,681 $ 1,413,059  
Goodwill 22,800   22,800  
Impairment of assets $ 0 $ 0 $ 11,000  
Number of dealership locations, closed | dealership     60  
Impairment, long-lived asset, held-for-use     $ 7,600  
Impairment Long-Lived Asset Held-For-Use, Statement Of Income Or Comprehensive Income Extensible Enumeration Not Disclosed Flag     impairment charges  
Operating lease, impairment loss     $ 3,400  
Effective income tax rate (0.20%) 22.50%    
Decreased tax benefit, share-based compensation $ 300 $ 100    
Income tax examination, penalties and interest accrued 0   0  
Federal net operating loss carryforwards     242,000  
State net operating loss carryforwards     146,400  
Deferred tax assets, valuation allowance     $ 53,000  
Financing receivable, recorded investment greater than 90 days past due 8,500 7,800    
Late fee income generated by servicing financial assets, amount $ 1,600 $ 1,700    
Late Fee Income, Servicing Financial Asset, Statement of Income or Comprehensive Income [Extensible Enumeration] Interest and other income Interest and other income    
Revenue recognized $ 14,800      
Treasury stock shares to establish reserve account to secure service contracts (in shares) | shares 10,000      
Installment Sale        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Financing receivables (in percent) 1.60%   1.30%  
ACM Insurance Company        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Treasury stock, shares to establish reserve account to meet regulatory requirements for insurance company (in shares) | shares 14,000      
Capitalized Computing Implementation Service Contract        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Capitalized contract cost $ 16,500   $ 18,300  
Capitalized contract cost, amortization $ 1,800 $ 1,400    
Minimum        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Fixed interest rate (in percent) 6.00%      
Maximum        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Fixed interest rate (in percent) 23.00%      
Revenue Benchmark | Customer Concentration Risk | ARKANSAS        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Concentration risk (in percent) 29.00%      
Deferred accident protection plan revenue        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Deferred revenue $ 34,000      
Accident Protection Plan Claims        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer, refund liability 4,800      
Deferred service contract revenue        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Deferred revenue $ 32,841   $ 51,474  
Contract with customer liability recognition period (in months)       9 months
Contract with customer liability revenue recognition miles | subsidiary       12,000
Deferred service contract revenue | Contract Duration Term, 1        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 9 months      
Contract with customer liability revenue recognition miles | mi 12,000      
Contract with customer, service contract term 12 months      
Deferred service contract revenue | Contract Duration Term, 2        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 18 days      
Contract with customer liability revenue recognition miles | mi 24,000      
Contract with customer, service contract term 24 months      
Deferred service contract revenue | Contract Duration Term, 3        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 27 months      
Contract with customer liability revenue recognition miles | mi 36,000      
Contract with customer, service contract term 36 months      
Deferred service contract revenue | Minimum        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 12 months      
Contract with customer liability revenue recognition miles | subsidiary 12,000      
Deferred service contract revenue | Minimum | Contract Duration Term, 4        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 1 year      
Deferred service contract revenue | Maximum        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 36 months      
Contract with customer liability revenue recognition miles | subsidiary 36,000      
Deferred service contract revenue | Maximum | Contract Duration Term, 4        
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]        
Contract with customer liability recognition period (in months) 2 years