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Note C - Finance Receivables (Tables)
6 Months Ended
Oct. 31, 2014
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
 
October 31, 2014
   
April 30, 2014
 
             
Gross contract amount
  $ 467,526     $ 432,327  
Less unearned finance charges
    (56,026 )     (52,995 )
Principal balance
    411,500       379,332  
Less allowance for credit losses
    (92,460 )     (86,033 )
                 
Finance receivables, net
  $ 319,040     $ 293,299  
Change in Finance Receivables, Net [Table Text Block]
   
Six Months Ended
October 31,
 
(In thousands)
 
2014
   
2013
 
             
Balance at beginning of period
  $ 293,299     $ 288,049  
Finance receivable originations
    222,024       203,688  
Finance receivable collections
    (111,000 )     (102,986 )
Provision for credit losses
    (59,247 )     (54,826 )
Losses on claims for payment protection plan
    (4,764 )     (4,060 )
Inventory acquired in repossession and payment protection plan claims
    (21,272 )     (21,765 )
                 
Balance at end of period
  $ 319,040     $ 308,100  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   
Six Months Ended
October 31,
 
(In thousands)
 
2014
   
2013
 
             
Balance at beginning of period
  $ 86,033     $ 75,345  
Provision for credit losses
    59,247       54,826  
Charge-offs, net of recovered collateral
    (52,820 )     (49,472 )
                 
Balance at end of period
  $ 92,460     $ 80,699  
Past Due Financing Receivables [Table Text Block]
(Dollars in thousands)
 
October 31, 2014
   
April 30, 2014
   
October 31, 2013
 
                                     
   
Principal
Balance
   
Percent of
Portfolio
   
Principal
Balance
   
Percent of
Portfolio
   
Principal
Balance
   
Percent of
Portfolio
 
Current
  $ 341,555       83.00 %   $ 300,478       79.21 %   $ 313,006       80.50 %
 3 - 29 days past due
    51,990       12.63 %     62,108       16.38 %     57,429       14.77 %
30 - 60 days past due
    12,002       2.92 %     10,926       2.88 %     12,008       3.09 %
61 - 90 days past due
    3,986       0.97 %     4,665       1.23 %     4,429       1.14 %
    > 90 days past due
    1,967       0.48 %     1,155       0.30 %     1,927       0.50 %
          Total
  $ 411,500       100.00 %   $ 379,332       100.00 %   $ 388,799       100.00 %
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Six Months Ended
October 31,
 
   
2014
   
2013
 
             
Principal collected as a percent of average finance receivables
    28.2 %     27.3 %
Average down-payment percentage
    6.8 %     6.4 %
Average originating contract term (in months)
    27.4       27.5  
Financing Receivable Contract Terms [Table Text Block]
   
October 31, 2014
   
October 31, 2013
 
Portfolio weighted average contract term, including modifications (in months)
    29.6       29.5