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Consolidated Statements of Cash Flows (USD $)
In Thousands
12 Months Ended
Apr. 30, 2011
Apr. 30, 2010
Apr. 30, 2009
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 406,110 $ 479,242 $ 485,673
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 121,633 126,901 123,631
Provision for bad debts and loan losses 180,951 161,296 181,829
Provision for deferred taxes 9,432 170,566 73,213
Stock-based compensation 14,500 29,369 26,557
Net cash provided by discontinued operations     97,578
Changes in assets and liabilities, net of acquisitions:      
Cash and cash equivalents - restricted (14,033) 2,497 (44,625)
Receivables (105,708) (87,889) (77,447)
Prepaid expenses and other current assets (37,892) (2,320) 84,279
Other noncurrent assets (98,818) (59,429) 176,864
Accounts payable, accrued expenses and other current liabilities (111,727) (305) (36,024)
Accrued salaries, wages and payroll taxes 56,009 (59,617) (106,014)
Accrued income taxes 5,962 (77,254) 126,594
Other noncurrent liabilities 119,428 (65,261) (56,001)
Other, net (33,344) (30,327) (31,668)
Net cash provided by operating activities 512,503 587,469 1,024,439
CASH FLOWS FROM INVESTING ACTIVITIES:      
Purchases of available-for-sale securities (138,824) (5,365) (5,092)
Maturities of and payments received on available-for-sale securities 16,797 15,758 15,075
Principal payments on mortgage loans held for investment, net 58,471 72,832 91,329
Purchases of property and equipment (62,959) (90,515) (97,880)
Payments made for business acquisitions, net of cash acquired (54,171) (10,539) (293,805)
Proceeds from sale of businesses, net 71,083 66,623 18,865
Franchise loans:      
Loans funded (92,455) (89,664)  
Payments received 57,552 40,710  
Net cash provided by investing activities of discontinued operations     255,066
Other, net 34,349 31,513 22,002
Net cash provided by (used in) investing activities (110,157) 31,353 5,560
CASH FLOWS FROM FINANCING ACTIVITIES:      
Repayments of commercial paper (4,818,766) (1,406,013)  
Proceeds from issuance of commercial paper 4,818,766 1,406,013  
Repayments of other borrowings (50,000) (4,267,773) (4,762,294)
Proceeds from other borrowings   4,242,727 4,733,294
Customer banking deposits, net (11,440) 17,539 64,357
Dividends paid (186,802) (200,899) (198,685)
Repurchase of common stock, including shares surrendered (283,534) (254,250) (106,189)
Proceeds from issuance of common stock, net     141,415
Proceeds from exercise of stock options 424 16,682 71,594
Net cash provided by financing activities of discontinued operations     4,783
Other, net (3,039) (35,144) 11,492
Net cash used in financing activities (534,391) (481,118) (40,233)
Effects of exchange rates on cash 5,844 11,678  
Net increase (decrease) in cash and cash equivalents (126,201) 149,382 989,766
Cash and cash equivalents at beginning of the year 1,804,045 1,654,663 664,897
Cash and cash equivalents at end of the year 1,677,844 1,804,045 1,654,663
SUPPLEMENTARY CASH FLOW DATA:      
Income taxes paid, net of refunds received of $4,762, $12,587 and $158,862 244,917 359,559 (1,593)
Interest paid on borrowings 73,791 78,305 89,541
Interest paid on deposits 8,541 10,156 14,004
Transfers of foreclosed loans to other assets $ 16,463 $ 19,341 $ 65,171