XML 40 R30.htm IDEA: XBRL DOCUMENT v3.10.0.1
Note B - Summary of Significant Accounting Policies (Details Textual) - USD ($)
3 Months Ended 6 Months Ended 9 Months Ended 12 Months Ended 18 Months Ended
Oct. 25, 2017
May 31, 2016
May 30, 2016
Oct. 31, 2018
Jan. 31, 2018
Oct. 31, 2018
Oct. 31, 2017
Oct. 24, 2017
Jul. 31, 2018
Apr. 30, 2019
Oct. 31, 2018
Apr. 30, 2018
Oct. 31, 2018
Apr. 30, 2017
Number of Reportable Segments           1                
Average Finance Receivable Interest Rate           16.40%                
Interest Receivable       $ 2,435,000   $ 2,435,000         $ 2,435,000 $ 2,189,000 $ 2,435,000  
Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage           75.00%                
Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio       3.40%   3.40% 4.10%       3.40%   3.40%  
Financing Receivable, Average Days Past Due At Charge Off       66 days                    
Financing Receivable, Weighted Average Total Contract Term           2 years 243 days                
Financing Receivable, Remaining Contract Term           1 year 333 days                
Financing Receivable, Allowance for Credit Losses, Ending Balance       $ 126,128,000   $ 126,128,000 $ 115,918,000       $ 126,128,000 117,821,000 $ 126,128,000 $ 109,693,000
Finance Receivables, Allowance, Percent of Principle Balance       25.00%   25.00%         25.00%   25.00%  
Finance Receivable Principal Balance       $ 535,842,000   $ 535,842,000 $ 492,495,000       $ 535,842,000 501,438,000 $ 535,842,000  
Deferred Revenue       $ 20,800,000   $ 20,800,000         $ 20,800,000   $ 20,800,000  
Percent of Chargeoffs in the First 10 to 11 Months of a Contract       50.00%   50.00%         50.00%   50.00%  
Average Age of Account at Charge-Off Date           1 year                
Payment Protection Plan Liability, Anticipated Losses in Excess of Deferred Revenues       $ 0   $ 0         $ 0 0 $ 0  
Goodwill, Impairment Loss           $ 0           $ 0    
Effective Income Tax Rate Reconciliation, Percent, Total           18.70% 33.30%              
Tax Adjustments, Settlements, and Unusual Provisions         $ (8,100,000) $ (1,500,000) $ (784,000)              
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent                       30.40%    
Income Tax Examination, Penalties and Interest Accrued, Total       0   0         0 $ 0 0  
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due       1,512,000   1,512,000 1,845,000       1,512,000 $ 1,604,000 1,512,000  
Late Fee Income Generated by Servicing Financial Assets, Amount           933,000 $ 903,000              
Contract with Customer, Liability, Revenue Recognized from Prior Year       3,000,000   $ 8,100,000                
Stock Repurchased During Period, Shares           205,655 509,773              
Stock Repurchased During Period, Value           $ 13,900,000 $ 20,100,000              
Treasury Stock, Shares to Establish Reserve Account to Secure Service Contracts           10,000                
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability         $ (8,100,000)                  
Treasury Stock, Shares to Establish Reserve Amount to Secure Insurance Liabilities           10,000                
Scenario, Forecast [Member]                            
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent                   21.00%        
Service Contract [Member]                            
Deferred Revenue       $ 10,600,000   $ 10,600,000         10,600,000   $ 10,600,000  
Maximum [Member]                            
Financing Receivable Interest Rate   16.50% 15.00%     16.50%                
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period           5 years                
Minimum [Member]                            
Financing Receivable Interest Rate           15.00%                
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period           1 year                
Revolving Credit Facility [Member]                            
Line of Credit Facility, Distribution Limitations, Maximum Aggregate Amount of Stock Repurchases               $ 40,000,000 $ 50,000,000   $ 50,000,000      
Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases 20.00%             25.00%         20.00%  
Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income                         75.00%  
Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available                         12.50%  
Customer Concentration Risk [Member] | Sales Revenue, Net [Member] | Arkansas, USA [Member]                            
Concentration Risk, Percentage           28.00%