Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2021

Notes Tables

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

(In thousands)	April 30, 2021			April 30, 2020
Gross contract amount	$	980,757		$	728,841
Less unearned finance charges		(171,220	)		(107,659	)
Principal balance		809,537			621,182
Less allowance for credit losses		(184,418	)		(155,041	)
Finance receivables, net	$	625,119		$	466,141

Change In Finance Receivables Net [Table Text Block]

	Years Ended April 30,
(In thousands)	2021			2020			2019
Balance at beginning of period	$	466,141		$	415,486		$	383,617
Finance receivable originations		762,716			604,497			540,505
Finance receivable collections		(370,254	)		(322,180	)		(293,739	)
Provision for credit losses		(163,662	)		(162,246	)		(146,363	)
Losses on claims for payment protection plan		(18,954	)		(17,966	)		(17,020	)
Inventory acquired in repossession and payment protection plan claims		(50,868	)		(51,450	)		(51,514	)
Balance at end of period	$	625,119		$	466,141		$	415,486

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

	Years Ended April 30,
(In thousands)	2021			2020			2019
Balance at beginning of period	$	155,041		$	127,842		$	117,821
Provision for credit losses		163,662			162,246			146,363
Charge-offs, net of recovered collateral		(134,285	)		(135,047	)		(136,342	)
Balance at end of period	$	184,418		$	155,041		$	127,842

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	April 30, 2021					April 30, 2020
	Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio
Current	$	717,520		88.64	%	$	515,390		82.97	%
3 - 29 days past due		71,269		8.80	%		67,259		10.83	%
30 - 60 days past due		13,058		1.61	%		25,311		4.07	%
61 - 90 days past due		5,551		0.69	%		10,140		1.63	%
> 90 days past due		2,139		0.26	%		3,082		0.50	%
Total	$	809,537		100.00	%	$	621,182		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Twelve Months Ended April 30,
	2021			2020
Principal collected as a percent of average finance receivables		53.2	%		55.1	%
Average down-payment percentage		7.1	%		6.4	%

	April 30, 2021		April 30, 2020
Average originating contract term (in months)		34.6		30.7
Portfolio weighted average contract term, including modifications (in months)		37.3		33.3

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

	Customer Score by Fiscal Year of Origination
											Prior to
(Dollars in thousands)	2021		2020		2019		2018		2017		2017		Total		%
1-2	$	32,946	$	11,967	$	1,229	$	63	$	8	$	-	$	46,213		5.7	%
3-4		211,939		66,524		8,299		491		26		8		287,287		35.5	%
5-6		346,461		108,576		19,006		1,868		121		5		476,037		58.8	%
Total	$	591,346	$	187,067	$	28,534	$	2,422	$	155	$	13	$	809,537		100.0	%