Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2019

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)	April 30, 2019			April 30, 2018
Gross contract amount	$	631,681		$	584,682
Less unearned finance charges		(88,353	)		(83,244	)
Principal balance		543,328			501,438
Less allowance for credit losses		(127,842	)		(117,821	)
Finance receivables, net	$	415,486		$	383,617

Change In Finance Receivables Net [Table Text Block]

	Years Ended April 30,
(In thousands)	2019			2018			2017
Balance at beginning of period	$	383,617		$	357,161		$	334,793
Finance receivable originations		540,505			494,641			479,099
Finance receivable collections		(293,739	)		(260,104	)		(249,264	)
Provision for credit losses		(146,363	)		(149,059	)		(149,097	)
Losses on claims for payment protection plan		(17,020	)		(16,748	)		(15,627	)
Inventory acquired in repossession and payment protection plan claims		(51,514	)		(42,274	)		(42,743	)
Balance at end of period	$	415,486		$	383,617		$	357,161

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	Years Ended April 30,
(In thousands)	2019			2018			2017
Balance at beginning of period	$	117,821		$	109,693		$	102,485
Provision for credit losses		146,363			149,059			149,097
Charge-offs, net of recovered collateral		(136,342	)		(140,931	)		(141,889	)
Balance at end of period	$	127,842		$	117,821		$	109,693

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	April 30, 2019					April 30, 2018
	Principal Balance		Percent of Portfolio			Principal Balance		Percent of Portfolio
Current	$	435,603		80.17	%	$	424,511		84.67	%
3 - 29 days past due		91,747		16.89	%		59,544		11.87	%
30 - 60 days past due		11,362		2.09	%		12,448		2.48	%
61 - 90 days past due		3,429		0.63	%		3,331		0.66	%
> 90 days past due		1,187		0.22	%		1,604		0.32	%
Total	$	543,328		100.00	%	$	501,438		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Twelve Months Ended April 30,
	2019			2018
Principal collected as a percent of average finance receivables		55.3	%		53.1	%
Average down-payment percentage		6.5	%		6.4	%

Financing Receivable Contract Terms [Table Text Block]

	April 30, 2019		April 30, 2018
Average originating contract term (in months )		29.5		29.7
Portfolio weighted average contract term, including modifications (in months )		32.1		32.5