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Note C - Finance Receivables, Net (Tables) | 9 Months Ended
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Jan. 31, 2019
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | January 31, 2019 |  | April 30, 2018
Gross contract amount |  | $ | 627,322 |  |  | $ | 584,682 |
Less unearned finance charges |  |  | (84,429 | ) |  |  | (83,244 | )
Principal balance |  |  | 542,893 |  |  |  | 501,438 |
Less allowance for credit losses |  |  | (127,980 | ) |  |  | (117,821 | )
Finance receivables, net |  | $ | 414,913 |  |  | $ | 383,617 |
Change In Finance Receivables Net [Table Text Block] |
|  | Nine Months Ended January 31,
(In thousands) |  | 2019 |  | 2018
Balance at beginning of period |  | $ | 383,617 |  |  | $ | 357,161 |
Finance receivable originations |  |  | 399,089 |  |  |  | 356,489 |
Finance receivable collections |  |  | (206,620 | ) |  |  | (180,137 | )
Provision for credit losses |  |  | (111,619 | ) |  |  | (110,778 | )
Losses on claims for payment protection plan |  |  | (12,148 | ) |  |  | (12,039 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (37,406 | ) |  |  | (30,312 | )
Balance at end of period |  | $ | 414,913 |  |  | $ | 380,384 |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Nine Months Ended January 31,
(In thousands) |  | 2019 |  | 2018
Balance at beginning of period |  | $ | 117,821 |  |  | $ | 109,693 |
Provision for credit losses |  |  | 111,619 |  |  |  | 110,778 |
Charge-offs, net of recovered collateral |  |  | (101,460 | ) |  |  | (103,203 | )
Balance at end of period |  | $ | 127,980 |  |  | $ | 117,268 |
Past Due Financing Receivables [Table Text Block] |
(Dollars in thousands) |  | January 31, 2019 |  | April 30, 2018 |  | January 31, 2018
|  | Principal Balance |  | Percent of Portfolio |  | Principal Balance |  | Percent of Portfolio |  | Principal Balance |  | Percent of Portfolio
Current |  | $ | 450,931 |  |  |  | 83.05 | % |  | $ | 424,511 |  |  |  | 84.67 | % |  | $ | 394,614 |  |  |  | 79.30 | %
3 - 29 days past due |  |  | 74,788 |  |  |  | 13.78 | % |  |  | 59,544 |  |  |  | 11.87 | % |  |  | 82,679 |  |  |  | 16.61 | %
30 - 60 days past due |  |  | 12,062 |  |  |  | 2.22 | % |  |  | 12,448 |  |  |  | 2.48 | % |  |  | 14,918 |  |  |  | 3.00 | %
61 - 90 days past due |  |  | 3,619 |  |  |  | 0.67 | % |  |  | 3,331 |  |  |  | 0.66 | % |  |  | 3,792 |  |  |  | 0.76 | %
> 90 days past due |  |  | 1,493 |  |  |  | 0.28 | % |  |  | 1,604 |  |  |  | 0.32 | % |  |  | 1,649 |  |  |  | 0.33 | %
Total |  | $ | 542,893 |  |  |  | 100.00 | % |  | $ | 501,438 |  |  |  | 100.00 | % |  | $ | 497,652 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Nine Months Ended January 31,
|  | 2019 |  | 2018
Principal collected as a percent of average finance receivables |  |  | 39.2 | % |  |  | 37.2 | %
Average down-payment percentage |  |  | 5.8 | % |  |  | 5.8 | %
Average originating contract term (in months ) |  |  | 29.4 |  |  |  | 29.5 |
Financing Receivable Contract Terms [Table Text Block] |
|  | January 31, 2019 |  | January 31, 2018
Portfolio weighted average contract term, including modifications (in months ) |  |  | 32.0 |  |  |  | 32.4 |

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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://fasb.org/us-gaap/role/ref/legacyRef -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 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -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 + Details
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