v3.26.1
Finance Receivables, Net - Summary of Finance Receivable Summarized by Fiscal Year of Origination (Details) - USD ($)
$ in Thousands
3 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Apr. 30, 2026
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2027 (2026) $ 25,844 $ 255,947  
2026 (2025) 615,645 719,286  
2025 (2024) 347,646 351,855  
2024 (2023) 146,654 146,051  
2023 (2022) 45,139 37,999  
Prior to 2023 (2022) 10,022 4,543  
Total $ 1,190,950 $ 1,515,681 $ 1,413,059
Percent of Portfolio 100.00% 100.00% 100.00%
Charge-offs, 2027 (2026) $ 732 $ 2,241  
Charge-offs, 2026 (2025) 76,478 69,568  
Charge-offs, 2025 (2024) 47,692 37,819  
Charge-offs, 2024 (2023) 17,045 15,307  
Charge-offs, 2023 (2022) 4,286 3,586  
Charge-offs, Prior to 2023 (2022) 910 355  
Charge-offs, total 147,143 128,876  
Customer Rating 1-2      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2027 (2026) 2,927 32,567  
2026 (2025) 59,511 24,592  
2025 (2024) 16,790 12,365  
2024 (2023) 3,701 3,742  
2023 (2022) 708 552  
Prior to 2023 (2022) 78 65  
Total $ 83,715 $ 73,883  
Percent of Portfolio 7.00% 4.90%  
Customer Rating 3-4      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2027 (2026) $ 6,049 $ 71,617  
2026 (2025) 156,079 183,952  
2025 (2024) 105,197 102,214  
2024 (2023) 40,730 32,313  
2023 (2022) 7,559 6,218  
Prior to 2023 (2022) 1,552 768  
Total $ 317,166 $ 397,082  
Percent of Portfolio 26.70% 26.20%  
Customer Rating 5-6      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
2027 (2026) $ 16,868 $ 151,763  
2026 (2025) 400,055 510,742  
2025 (2024) 225,659 237,276  
2024 (2023) 102,223 109,996  
2023 (2022) 36,872 31,229  
Prior to 2023 (2022) 8,392 3,710  
Total $ 790,069 $ 1,044,716  
Percent of Portfolio 66.30% 68.90%