Note C - Finance Receivables, Net (Tables)

6 Months Ended

Oct. 31, 2020

Notes Tables

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

(In thousands)	October 31, 2020			April 30, 2020
Gross contract amount	$	820,079		$	728,841
Less unearned finance charges		(127,304	)		(107,659	)
Principal balance		692,775			621,182
Less allowance for credit losses		(172,965	)		(155,041	)
Finance receivables, net	$	519,810		$	466,141

Change In Finance Receivables Net [Table Text Block]

	Six Months Ended October 31,
(In thousands)	2020			2019
Balance at beginning of period	$	466,141		$	415,486
Finance receivable originations		333,255			293,174
Finance receivable collections		(168,348	)		(151,075	)
Provision for credit losses		(79,946	)		(72,652	)
Losses on claims for payment protection plan		(8,918	)		(8,359	)
Inventory acquired in repossession and payment protection plan claims		(22,374	)		(24,968	)
Balance at end of period	$	519,810		$	451,606

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

	Six Months Ended October 31,
(In thousands)	2020			2019
Balance at beginning of period	$	155,041		$	127,842
Provision for credit losses		79,946			72,652
Charge-offs, net of recovered collateral		(62,022	)		(65,013	)
Balance at end of period	$	172,965		$	135,481

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	October 31, 2020					April 30, 2020					October 31, 2019
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	604,306		87.23	%	$	515,390		82.97	%	$	478,136		81.44	%
3 - 29 days past due		71,412		10.31	%		67,259		10.83	%		88,606		15.09	%
30 - 60 days past due		12,434		1.79	%		25,311		4.07	%		14,267		2.43	%
61 - 90 days past due		3,047		0.44	%		10,140		1.63	%		3,852		0.66	%
> 90 days past due		1,576		0.23	%		3,082		0.50	%		2,226		0.38	%
Total	$	692,775		100.00	%	$	621,182		100.00	%	$	587,087		100.00	%

Schedule of Financing Receivable by Fiscal Year of Origination [Table Text Block]

In thousands)
Fiscal Year of Origination										Prior to
2021		2020		2019		2018		2017		2017		Total
$	300,859		304,214		75,570		10,020		1,427		685	$	692,775

Financing Receivable Credit Quality Indicators [Table Text Block]

	Six Months Ended October 31,
	2020			2019
Principal collected as a percent of average finance receivables		25.9	%		26.8	%
Average down-payment percentage		6.9	%		6.2	%
Average originating contract term (in months)		33.1			30.2

Financing Receivable Contract Terms [Table Text Block]

	October 31, 2020		October 31, 2019
Portfolio weighted average contract term, including modifications (in months)		34.7		32.3