Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2020

Notes Tables

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

(In thousands)	April 30, 2020			April 30, 2019
Gross contract amount	$	728,841		$	631,681
Less unearned finance charges		(107,659	)		(88,353	)
Principal balance		621,182			543,328
Less allowance for credit losses		(155,041	)		(127,842	)
Finance receivables, net	$	466,141		$	415,486

Change In Finance Receivables Net [Table Text Block]

	Years Ended April 30,
(In thousands)	2020			2019			2018
Balance at beginning of period	$	415,486		$	383,617		$	357,161
Finance receivable originations		604,497			540,505			494,641
Finance receivable collections		(322,180	)		(293,739	)		(260,104	)
Provision for credit losses		(162,246	)		(146,363	)		(149,059	)
Losses on claims for payment protection plan		(17,966	)		(17,020	)		(16,748	)
Inventory acquired in repossession and payment protection plan claims		(51,450	)		(51,514	)		(42,274	)
Balance at end of period	$	466,141		$	415,486		$	383,617

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

	Years Ended April 30,
(In thousands)	2020			2019			2018
Balance at beginning of period	$	127,842		$	117,821		$	109,693
Provision for credit losses		162,246			146,363			149,059
Charge-offs, net of recovered collateral		(135,047	)		(136,342	)		(140,931	)
Balance at end of period	$	155,041		$	127,842		$	117,821

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	April 30, 2020				April 30, 2019
		Principal	Percent of			Principal	Percent of
		Balance	Portfolio			Balance	Portfolio
Current	$	515,390	82.97	%	$	435,603	80.17	%
3 - 29 days past due		67,259	10.83	%		91,747	16.89	%
30 - 60 days past due		25,311	4.07	%		11,362	2.09	%
61 - 90 days past due		10,140	1.63	%		3,429	0.63	%
> 90 days past due		3,082	0.50	%		1,187	0.22	%
Total	$	621,182	100.00	%	$	543,328	100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Twelve Months Ended April 30,
	2020			2019
Principal collected as a percent of average finance receivables		55.1	%		55.3	%
Average down-payment percentage		6.4	%		6.5	%
		April 30, 2020			April 30, 2019
Average originating contract term (in months )		30.7			29.5
Portfolio weighted average contract term, including modifications (in months )		33.3			32.1