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Note C - Finance Receivables, Net (Tables) | 12 Months Ended
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Apr. 30, 2017
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | April 30, 2017 |  | April 30, 2016
Gross contract amount |  | $ | 545,916 |  |  | $ | 504,149 |
Less unearned finance charges |  |  | (79,062 | ) |  |  | (66,871 | )
Principal balance |  |  | 466,854 |  |  |  | 437,278 |
Less allowance for credit losses |  |  | (109,693 | ) |  |  | (102,485 | )
Finance receivables, net |  | $ | 357,161 |  |  | $ | 334,793 |
Change In Finance Receivables Net [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2017 |  | 2016 |  | 2015
Balance at beginning of period |  | $ | 334,793 |  |  | $ | 324,144 |  |  | $ | 293,299 |
Finance receivable originations |  |  | 479,099 |  |  |  | 460,499 |  |  |  | 445,405 |
Finance receivable collections |  |  | (249,264 | ) |  |  | (248,166 | ) |  |  | (238,845 | )
Provision for credit losses |  |  | (149,097 | ) |  |  | (144,397 | ) |  |  | (120,289 | )
Losses on claims for payment protection plan |  |  | (15,627 | ) |  |  | (13,521 | ) |  |  | (10,588 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (42,743 | ) |  |  | (43,766 | ) |  |  | (44,838 | )
Balance at end of period |  | $ | 357,161 |  |  | $ | 334,793 |  |  | $ | 324,144 |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2017 |  | 2016 |  | 2015
Balance at beginning of period |  | $ | 102,485 |  |  | $ | 93,224 |  |  | $ | 86,033 |
Provision for credit losses |  |  | 149,097 |  |  |  | 144,397 |  |  |  | 120,289 |
Charge-offs, net of recovered collateral |  |  | (141,889 | ) |  |  | (135,136 | ) |  |  | (113,098 | )
Balance at end of period |  | $ | 109,693 |  |  | $ | 102,485 |  |  | $ | 93,224 |
Past Due Financing Receivables [Table Text Block] |
(Dollars in thousands) |  | April 30, 2017 |  | April 30, 2016
|  | Principal Balance |  | Percent of Portfolio |  | Principal Balance |  | Percent of Portfolio
Current |  | $ | 397,341 |  |  |  | 85.12 | % |  | $ | 378,631 |  |  |  | 86.59 | %
3 - 29 days past due |  |  | 52,869 |  |  |  | 11.32 | % |  |  | 45,631 |  |  |  | 10.43 | %
30 - 60 days past due |  |  | 11,658 |  |  |  | 2.50 | % |  |  | 8,429 |  |  |  | 1.93 | %
61 - 90 days past due |  |  | 3,516 |  |  |  | 0.75 | % |  |  | 3,498 |  |  |  | 0.80 | %
> 90 days past due |  |  | 1,470 |  |  |  | 0.31 | % |  |  | 1,089 |  |  |  | 0.25 | %
Total |  | $ | 466,854 |  |  |  | 100.00 | % |  | $ | 437,278 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Twelve Months Ended April 30,
|  | 2017 |  | 2016
Principal collected as a percent of average finance receivables |  |  | 53.6 | % |  |  | 57.5 | %
Average down-payment percentage |  |  | 6.0 | % |  |  | 6.7 | %
Financing Receivable Contract Terms [Table Text Block] |
|  | April 30, 2017 |  | April 30, 2016
Average originating contract term (in months ) |  |  | 29.5 |  |  |  | 28.9 |
Portfolio weighted average contract term, including modifications (in months ) |  |  | 32.5 |  |  |  | 31.6 |

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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=82894031&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=84173941&loc=SL6953659-111524 + Details
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