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Note C - Finance Receivables (Tables)
3 Months Ended
Jul. 31, 2013
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
 
July 31, 2013
   
April 30, 2013
 
             
Gross contract amount
  $ 433,605     $ 414,614  
Less unearned finance charges
    (53,685 )     (51,220 )
                       Principal balance                    
    379,920       363,394  
Less allowance for credit losses
    (78,808 )     (75,345 )
                 
Finance receivables, net
  $ 301,112     $ 288,049  
Change in Finance Receivables, Net
   
Three Months Ended
July 31,
 
(In thousands)
 
2013
   
2012
 
             
Balance at beginning of period
  $ 288,049     $ 251,103  
Finance receivable originations
    102,834       90,953  
Finance receivable collections
    (51,069 )     (48,279 )
Provision for credit losses
    (26,530 )     (21,663 )
Losses on claims for payment protection plan
    (1,790 )     (1,484 )
Inventory acquired in repossession and payment protection plan claims
    (10,382 )     (9,200 )
                 
     Balance at end of period
  $ 301,112     $ 261,430  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
 
Three Months Ended
July 31,
 
(In thousands)
2013
 
2012
 
                 
Balance at beginning of period
  $ 75,345     $ 65,831  
Provision for credit losses
    26,530       21,663  
Charge-offs, net of recovered collateral
    (23,067 )     (18,989 )
                 
     Balance at end of period
  $ 78,808     $ 68,505  
Past Due Financing Receivables [Table Text Block]
(Dollars in thousands)
July 31, 2013
 
April 30, 2013
 
July 31, 2012
 
                         
 
Principal
Balance
 
Percent of
Portfolio
 
Principal
Balance
 
Percent of
Portfolio
 
Principal
Balance
 
Percent of
Portfolio
 
Current
  $ 295,971       77.91 %   $ 284,441       78.27 %   $ 259,012       78.50 %
3 - 29 days past due
    63,260       16.65 %     60,477       16.64 %     57,575       17.45 %
30 - 60 days past due
    14,326       3.77 %     10,232       2.82 %     9,968       3.02 %
61 - 90 days past due
    4,680       1.23 %     6,280       1.73 %     2,742       0.83 %
    > 90 days past due
    1,683       0.44 %     1,964       0.54 %     638       0.20 %
          Total
  $ 379,920       100.00 %   $ 363,394       100.00 %   $ 329,935       100.00 %
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Three Months Ended
July 31,
   
2013
   
2012
             
Principal collected as a percent of average finance receivables
    13.8 %     14.9 %
Average down-payment percentage
    6.6 %     7.2 %
   
July 31, 2013
   
July 31, 2012
 
Average originating contract term (in months)
    27.7       26.7  
Portfolio weighted average contract term, including modifications (in months)
    29.5       28.1