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Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2014

Receivables [Abstract]

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

(In thousands)		April 30, 2014				April 30, 2013
Gross contract amount		$	432,327			$	414,614
Less unearned finance charges			(52,995	)			(51,220	)
Principal balance			379,332				363,394
Less allowance for credit losses			(86,033	)			(75,345	)
Finance receivables, net		$	293,299			$	288,049

Change in Finance Receivables, Net [Table Text Block]

		Years Ended April 30,
(In thousands)		2014				2013				2012
Balance at beginning of period		$	288,049			$	251,103			$	222,305
Finance receivable originations			404,918				387,895				354,328
Finance receivable collections			(223,538	)			(207,713	)			(200,697	)
Provision for credit losses			(119,247	)			(96,035	)			(81,638	)
Losses on claims for payment protection plan			(9,586	)			(7,544	)			(6,053	)
Inventory acquired in repossession and payment protection plan claims			(47,297	)			(39,657	)			(37,142	)
Balance at end of period		$	293,299			$	288,049			$	251,103

Allowance for Credit Losses on Financing Receivables [Table Text Block]

		Years Ended April 30,
(In thousands)		2014				2013				2012
Balance at beginning of period		$	75,345			$	65,831			$	60,173
Provision for credit losses			119,247				96,035				81,638
Charge-offs, net of recovered collateral			(108,559	)			(86,521	)			(75,980	)
Balance at end of period		$	86,033			$	75,345			$	65,831

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)		April 30, 2014								April 30, 2013
		Principal Balance				Percent of Portfolio				Principal Balance				Percent of Portfolio
Current		$	300,478				79.21	%		$	284,441				78.27	%
3 - 29 days past due			62,108				16.38	%			60,477				16.64	%
30 - 60 days past due			10,926				2.88	%			10,232				2.82	%
61 - 90 days past due			4,665				1.23	%			6,280				1.73	%
> 90 days past due			1,155				0.30	%			1,964				0.54	%
Total		$	379,332				100.00	%		$	363,394				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Twelve Months Ended April 30,
		2014				2013
Principal collected as a percent of average finance receivables			58.0	%			60.6	%
Average down-payment percentage			6.6	%			6.6	%

		April 30, 2014				April 30, 2013
Average originating contract term (in months)			27.4				27.2
Portfolio weighted average contract term, including modifications (in months)			29.8				29.3

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Tabular disclosure of the change in finance receivables over specified time period.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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