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Note B - Summary of Significant Accounting Policies (Details Textual) - USD ($) | 3 Months Ended | 12 Months Ended |  |  |
--- | --- | --- | --- | --- | ---
Apr. 30, 2020 | Jan. 31, 2018 | Apr. 30, 2020 | Apr. 30, 2019 | Apr. 30, 2018 | Jan. 31, 2020 | Jul. 31, 2019 | May 01, 2019
Number of Reportable Segments |  |  | 1 |  |  |  |  |
Average Finance Receivable Interest Rate |  |  | 16.40% |  |  |  |  |
Interest Receivable | $ 3,098,000 |  | $ 3,098,000 | $ 2,348,000 |  |  |  |
Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage |  |  | 76.00% |  |  |  |  |
Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio | 6.20% |  | 6.20% | 2.90% |  |  |  |
Percent of Chargeoffs in the First 10 to 11 Months of a Contract | 50.00% |  | 50.00% |  |  |  |  |
Average Age of Account at Charge-Off Date (Month) |  |  | 1 year 30 days |  |  |  |  |
Finance Receivables, Allowance, Percent of Principle Balance |  |  |  |  |  | 24.50% | 24.50% | 25.00%
Financing Receivable, Percent Past Due |  |  |  |  |  | 2.90% |  |
Payment Protection Plan Liability, Anticipated Losses in Excess of Deferred Revenues | $ 0 |  | $ 0 | $ 0 |  |  |  |
Goodwill, Impairment Loss |  |  | $ 0 | $ 0 |  |  |  |
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent |  |  | 21.00% | 21.00% | 30.40% |  |  |
Tax Adjustments, Settlements, and Unusual Provisions |  | $ (8,100,000) |  |  |  |  |  |
Open Tax Year |  |  | 2017 2018 2019 |  |  |  |  |
Income Tax Examination, Penalties and Interest Accrued, Total | 0 |  | $ 0 | $ 0 |  |  |  |
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due | $ 3,082,000 |  | 3,082,000 | 1,187,000 |  |  |  |
Late Fee Income Generated by Servicing Financial Assets, Amount |  |  | 2,300,000 | 1,900,000 | $ 1,900,000 |  |  |
Contract with Customer, Liability, Revenue Recognized |  |  | 9,400,000 | 9,100,000 |  |  |  |
Advertising Expense |  |  | $ 3,100,000 | 3,100,000 | 3,800,000 |  |  |
Defined Contribution Plan, Employer Matching Contribution, Percent of Match |  |  | 50.00% |  |  |  |  |
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay |  |  | 6.00% |  |  |  |  |
Defined Contribution Plan, Employer Contribution Amount |  |  | $ 769,000 | 523,000 | 465,000 |  |  |
Income Tax Expense (Benefit), Total |  |  | $ 13,008,000 | $ 12,226,000 | $ 2,397,000 |  |  |
Stock Repurchased During Period, Shares (in shares) |  |  | 182,805 | 378,627 | 979,040 |  |  |
Stock Repurchased During Period, Value |  |  | $ 16,000,000 | $ 26,600,000 | $ 42,300,000 |  |  |
Treasury Stock Shares to Establish Reserve Account to Secure Service Contracts (in shares) |  |  | 10,000 |  |  |  |  |
Operating Lease, Weighted Average Remaining Lease Term (Year) | 15 years |  | 15 years |  |  |  |  |
Operating Lease, Weighted Average Discount Rate, Percent | 4.35% |  | 4.35% |  |  |  |  |
Liabilities, Total | $ 364,165,000 |  | $ 364,165,000 | 231,632,000 |  |  |  |
Assets, Total | $ 667,324,000 |  | $ 667,324,000 | $ 492,542,000 |  |  |  |
ACM Insurance Company [Member] |  |  |  |  |  |  |  |
Treasury Stock, Shares to Establish Reserve Account to Meet Regulatory Requirements for Insurance Company (in shares) |  |  | 14,000 |  |  |  |  |
Accounting Standards Update 2016-09 [Member] |  |  |  |  |  |  |  |
Income Tax Expense (Benefit), Total |  |  |  |  | $ 1,700,000 |  |  |
Accounting Standards Update 2016-02 [Member] |  |  |  |  |  |  |  |
Liabilities, Total |  |  |  |  |  |  |  | $ 34,500,000
Assets, Total |  |  |  |  |  |  |  | $ 34,500,000
2006 Employee Stock Purchase Plan [Member] |  |  |  |  |  |  |  |
Common Stock Discount on Shares Percentage | 15.00% |  | 15.00% |  |  |  |  |
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares) | 200,000 |  | 200,000 |  |  |  |  |
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares) | 139,763 |  | 139,763 |  |  |  |  |
COVID-19 Pandemic [Member] |  |  |  |  |  |  |  |
Finance Receivables, Allowance, Percent of Principle Balance | 26.50% |  | 26.50% |  |  |  |  |
Financing Receivable, Percent Past Due | 6.20% |  | 6.20% |  |  |  |  |
Provision for Loan, Lease, and Other Losses, Total | $ 9,100,000 |  |  |  |  |  |  |
Provision for Loan, Lease, and Other Losses, Net of Tax | $ 7,000,000 |  |  |  |  |  |  |
Provision for Loan, Lease, and Other Losses, Total (in dollars per share) | $ 1.02 |  |  |  |  |  |  |
Minimum [Member] |  |  |  |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year) |  |  | 1 year |  |  |  |  |
Lessee, Operating Lease, Term of Contract (Year) | 3 years |  | 3 years |  |  |  |  |
Lessee, Operating Lease, Renewal Term (Year) | 3 years |  | 3 years |  |  |  |  |
Maximum [Member] |  |  |  |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year) |  |  | 5 years |  |  |  |  |
Lessee, Operating Lease, Term of Contract (Year) | 10 years |  | 10 years |  |  |  |  |
Lessee, Operating Lease, Renewal Term (Year) | 10 years |  | 10 years |  |  |  |  |
Revolving Credit Facility [Member] |  |  |  |  |  |  |  |
Line of Credit Facility, Distribution Limitations, Maximum Aggregate Amount of Stock Repurchases |  |  | $ 50,000,000 |  |  |  |  |
Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases |  |  | 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] | Revenue Benchmark [Member] | Arkansas, USA [Member] |  |  |  |  |  |  |  |
Concentration Risk, Percentage |  |  | 29.00% |  |  |  |  |

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