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Note C - Finance Receivables, Net (Tables) | 12 Months Ended
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Apr. 30, 2016
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | April 30, 2016 |  | April 30, 2015
Gross contract amount |  | $ | 504,149 |  |  | $ | 477,305 |
Less unearned finance charges |  |  | (66,871 | ) |  |  | (59,937 | )
Principal balance |  |  | 437,278 |  |  |  | 417,368 |
Less allowance for credit losses |  |  | (102,485 | ) |  |  | (93,224 | )
Finance receivables, net |  | $ | 334,793 |  |  | $ | 324,144 |
Change In Finance Receivables Net [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2016 |  | 2015 |  | 2014
Balance at beginning of period |  | $ | 324,144 |  |  | $ | 293,299 |  |  | $ | 288,049 |
Finance receivable originations |  |  | 460,499 |  |  |  | 445,405 |  |  |  | 404,918 |
Finance receivable collections |  |  | (248,166 | ) |  |  | (238,845 | ) |  |  | (223,538 | )
Provision for credit losses |  |  | (144,397 | ) |  |  | (120,289 | ) |  |  | (119,247 | )
Losses on claims for payment protection plan |  |  | (13,521 | ) |  |  | (10,588 | ) |  |  | (9,586 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (43,766 | ) |  |  | (44,838 | ) |  |  | (47,297 | )
Balance at end of period |  | $ | 334,793 |  |  | $ | 324,144 |  |  | $ | 293,299 |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2016 |  | 2015 |  | 2014
Balance at beginning of period |  | $ | 93,224 |  |  | $ | 86,033 |  |  | $ | 75,345 |
Provision for credit losses |  |  | 144,397 |  |  |  | 120,289 |  |  |  | 119,247 |
Charge-offs, net of recovered collateral |  |  | (135,136 | ) |  |  | (113,098 | ) |  |  | (108,559 | )
Balance at end of period |  | $ | 102,485 |  |  | $ | 93,224 |  |  | $ | 86,033 |
Past Due Financing Receivables [Table Text Block] |
(Dollars in thousands) |  | April 30, 2016 |  | April 30, 2015
|  | Principal |  | Percent of |  | Principal |  | Percent of
|  | Balance |  | Portfolio |  | Balance |  | Portfolio
Current |  | $ | 378,631 |  |  |  | 86.59 | % |  | $ | 329,329 |  |  |  | 78.91 | %
3 - 29 days past due |  |  | 45,631 |  |  |  | 10.43 | % |  |  | 64,004 |  |  |  | 15.33 | %
30 - 60 days past due |  |  | 8,429 |  |  |  | 1.93 | % |  |  | 12,777 |  |  |  | 3.06 | %
61 - 90 days past due |  |  | 3,498 |  |  |  | 0.80 | % |  |  | 8,463 |  |  |  | 2.03 | %
> 90 days past due |  |  | 1,089 |  |  |  | 0.25 | % |  |  | 2,795 |  |  |  | 0.67 | %
Total |  | $ | 437,278 |  |  |  | 100.00 | % |  | $ | 417,368 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Twelve Months Ended April 30,
|  | 2016 |  | 2015
Principal collected as a percent of average finance receivables |  |  | 57.5 | % |  |  | 58.7 | %
Average down-payment percentage |  |  | 6.7 | % |  |  | 6.9 | %
|  |  | April 30, 2016 |  |  |  | April 30, 2015 |
Average originating contract term (in months ) |  |  | 28.9 |  |  |  | 27.7 |
Portfolio weighted average contract term, including modifications (in months ) |  |  | 31.6 |  |  |  | 30.2 |

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- Definition 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. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953659-111524 + Details
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