v3.26.1
Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Operating Activities:    
Net loss $ (68,980) $ (5,736)
Adjustments to reconcile net loss to net cash used in operating activities:    
Provision for credit losses 71,559 103,036
Losses on claims for accident protection plan 7,132 8,595
Depreciation and amortization 1,802 2,139
Amortization of debt issuance costs 2,956 1,269
(Gain) loss on disposal of property and equipment 178 (9)
Impairment of goodwill 0 14
Stock based compensation (190) 1,157
Deferred income taxes 0 608
Paid-in-kind interest added to principal 1,061 0
Change in operating assets and liabilities:    
Finance receivable originations (40,976) (262,746)
Finance receivable collections 108,810 118,720
Accrued interest on finance receivables 1,110 (713)
Inventory 41,514 28,618
Prepaid expenses and other assets (4,050) (787)
Accounts payable and accrued liabilities (12,178) 3,205
Income taxes, net (76) (2,255)
Net cash provided by (used in) operating activities 80,069 (5,918)
Investing Activities:    
Purchase of property and equipment (90) (459)
Proceeds from sale of property and equipment 881 20
Net cash provided by (used in) investing activities 791 (439)
Financing Activities:    
Issuance of common stock 29 69
Purchase of common stock (25) (71)
Dividend payments (10) (10)
Change in cash overdrafts 0 6,162
Debt issuance costs (662) (1,708)
Issuances of non-recourse notes payable 0 216,000
Payments of non-recourse notes payable (101,861) (177,499)
Proceeds from revolving line of credit 0 158,571
Payments on revolving line of credit 0 (198,267)
Net cash provided by (used in) financing activities (102,529) 3,247
Decrease in cash, cash equivalents, and restricted cash (21,669) (3,110)
Cash, cash equivalents, and restricted cash beginning of period 131,646 124,537
Cash, cash equivalents, and restricted cash end of period 109,977 121,427
Deferred accident protection plan revenue    
Change in operating assets and liabilities:    
Deferred revenue (10,970) (578)
Deferred service contract revenue    
Change in operating assets and liabilities:    
Deferred revenue $ (18,633) $ (455)