Note C - Finance Receivables, Net (Tables)

6 Months Ended

Oct. 31, 2024

Notes Tables

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

(In thousands)	October 31, 2024			April 30, 2024
Gross contract amount	$	1,889,413		$	1,844,392
Less unearned finance charges		(415,619	)		(409,004	)
Principal balance		1,473,794			1,435,388
Less: estimated insurance receivables for APP claims		(2,485	)		(3,026	)
Less: allowance for APP claims		(2,651	)		(3,171	)
Less allowance for credit losses		(336,693	)		(331,260	)
Finance receivables, net		1,131,965			1,097,931
Loan origination costs		653			660
Finance receivables, net, including loan origination costs	$	1,132,618		$	1,098,591

Change In Finance Receivables Net [Table Text Block]

	Six Months Ended October 31,
(In thousands)	2024			2023
Balance at beginning of period	$	1,097,931		$	1,062,760
Finance receivable originations		527,487			580,082
Finance receivable collections		(224,640	)		(218,208	)
Provision for credit losses		(194,945	)		(231,718	)
Losses on claims for accident protection plan		(16,797	)		(15,173	)
Inventory acquired in repossession and accident protection plan claims		(57,071	)		(73,217	)
Balance at end of period	$	1,131,965		$	1,104,526

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

	Six Months Ended October 31,
(In thousands)	2024			2023
Balance at beginning of period	$	331,260		$	299,608
Provision for credit losses		194,945			231,718
Charge-offs		(250,057	)		(255,685	)
Recovered collateral		60,545			68,689
Balance at end of period	$	336,693		$	344,330

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	October 31, 2024					April 30, 2024					October 31, 2023
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	1,188,852		80.66	%	$	1,125,945		78.44	%	$	1,121,215		76.62	%
3 - 29 days past due		233,486		15.84	%		264,491		18.43	%		290,123		19.83	%
30 - 60 days past due		35,039		2.38	%		34,042		2.37	%		37,602		2.57	%
61 - 90 days past due		10,083		0.68	%		6,438		0.45	%		7,068		0.48	%
> 90 days past due		6,334		0.44	%		4,472		0.31	%		7,390		0.50	%
Total	$	1,473,794		100.00	%	$	1,435,388		100.00	%	$	1,463,398		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Six Months Ended October 31,
	2024			2023
Average total collected per active customer per month	$	561		$	534
Principal collected as a percent of average finance receivables		15.4	%		15.2	%
Average down-payment percentage		5.2	%		4.9	%
Average originating contract term (in months)		44.3			44.4

	As of
	October 31, 2024		October 31, 2023
Portfolio weighted average contract term, including modifications (in months)		48.2		47.3

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

	As of October 31, 2024
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2025		2024		2023		2022		2021		2021		Total		%
1-2	$	30,975	$	27,649	$	8,152	$	1,805	$	133	$	54	$	68,768		4.7	%
3-4	$	171,128	$	206,403	$	75,913	$	19,301	$	1,836	$	313	$	474,894		32.2	%
5-6	$	269,257	$	369,298	$	206,893	$	73,766	$	9,949	$	969	$	930,132		63.1	%
Total	$	471,360	$	603,350	$	290,958	$	94,872	$	11,918	$	1,336	$	1,473,794		100.0	%
Charge-offs	$	24,742	$	137,604	$	66,999	$	18,381	$	1,993	$	338	$	250,057

	As of October 31, 2023
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2024		2023		2022		2021		2020		2020		Total		%
1-2	$	26,044	$	23,346	$	7,271	$	1,127	$	150	$	13	$	57,951		4.0	%
3-4	$	189,850	$	190,995	$	64,672	$	11,479	$	643	$	246	$	457,885		31.3	%
5-6	$	317,130	$	411,515	$	178,564	$	37,177	$	2,485	$	691	$	947,562		64.7	%
Total	$	533,024	$	625,856	$	250,507	$	49,783	$	3,278	$	950	$	1,463,398		100.0	%
Charge-offs	$	36,228	$	153,765	$	54,307	$	10,301	$	791	$	293	$	255,685