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Note C - Finance Receivables, Net (Tables)

9 Months Ended

Jan. 31, 2016

Notes Tables

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

(In thousands)		January 31, 2016				April 30, 2015
Gross contract amount		$	505,976			$	477,305
Less unearned finance charges			(62,680	)			(59,937	)
Principal balance			443,296				417,368
Less allowance for credit losses			(104,228	)			(93,224	)
Finance receivables, net		$	339,069			$	324,144

Change In Finance Receivables Net [Table Text Block]

		Nine Months Ended January 31,
(In thousands)		2016				2015
Balance at beginning of period		$	324,144			$	293,299
Finance receivable originations			336,508				334,769
Finance receivable collections			(173,949	)			(168,784	)
Provision for credit losses			(106,225	)			(89,453	)
Losses on claims for payment protection plan			(9,815	)			(7,840	)
Inventory acquired in repossession and payment protection plan claims			(31,594	)			(32,188	)
Balance at end of period		$	339,069			$	329,803

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

		Nine Months Ended January 31,
(In thousands)		2016				2015
Balance at beginning of period		$	93,224			$	86,033
Provision for credit losses			106,225				89,453
Charge-offs, net of recovered collateral			(95,221	)			(80,213	)
Balance at end of period		$	104,228			$	95,273

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)		January 31, 2016								April 30, 2015								January 31, 2015
		Principal Balance				Percent of Portfolio				Principal Balance				Percent of Portfolio				Principal Balance				Percent of Portfolio
Current		$	364,453				82.22	%		$	329,329				78.91	%		$	352,969				83.03	%
3 - 29 days past due			56,835				12.82	%			64,004				15.33	%			49,944				11.75	%
30 - 60 days past due			15,087				3.40	%			12,777				3.06	%			14,972				3.52	%
61 - 90 days past due			4,790				1.08	%			8,463				2.03	%			4,827				1.14	%
> 90 days past due			2,131				0.48	%			2,795				0.67	%			2,364				0.56	%
Total		$	443,296				100.00	%		$	417,368				100.00	%		$	425,076				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Nine Months Ended January 31,
		2016				2015
Principal collected as a percent of average finance receivables			40.6	%			41.9	%
Average down-payment percentage			6.1	%			6.2	%
Average originating contract term (in months )			28.6				27.5