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Note B - Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands |  |  | 3 Months Ended | 9 Months Ended | 12 Months Ended | 18 Months Ended |  |
--- | --- | --- | --- | --- | --- | --- | --- | ---
May 31, 2016 | May 30, 2016 | Jan. 31, 2020 | Jan. 31, 2019 | Jan. 31, 2020 | Jan. 31, 2019 | Apr. 30, 2019 | Jan. 31, 2020 | May 01, 2019 | Apr. 30, 2018
Number of Reportable Segments |  |  |  |  | 1 |  |  |  |  |
Average Finance Receivable Interest Rate |  |  |  |  | 16.40% |  |  |  |  |
Interest Receivable |  |  | $ 2,603 |  | $ 2,603 |  | $ 2,348 | $ 2,603 |  |
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 |  |  | 3.60% | 3.20% | 3.60% | 3.20% |  | 3.60% |  |
Financing Receivable, Weighted Average Total Contract Term |  |  |  |  | 2 years 255 days |  |  |  |  |
Financing Receivable, Remaining Contract Term |  |  |  |  | 1 year 348 days |  |  |  |  |
Financing Receivable, Allowance for Credit Loss, Ending Balance |  |  | $ 140,282 | $ 127,980 | $ 140,282 | $ 127,980 | 127,842 | $ 140,282 |  | $ 117,821
Finance Receivables, Allowance, Percent of Principle Balance |  |  | 24.50% |  | 24.50% |  |  | 24.50% |  |
Finance Receivable Principal Balance |  |  | $ 607,537 | 542,893 | $ 607,537 | $ 542,893 | 543,328 | $ 607,537 |  |
Percent of Chargeoffs in the First 10 to 11 Months of a Contract |  |  | 50.00% |  | 50.00% |  |  | 50.00% |  |
Average Age of Account at Charge-Off Date |  |  |  |  |  |  |  | 1 year 21 days |  |
Payment Protection Plan Liability, Anticipated Losses in Excess of Deferred Revenues |  |  | $ 0 |  | $ 0 |  | 0 | $ 0 |  |
Goodwill, Impairment Loss |  |  |  |  | $ 0 |  | 0 |  |  |
Effective Income Tax Rate Reconciliation, Percent, Total |  |  |  |  | 21.30% | 20.40% |  |  |  |
Tax Adjustments, Settlements, and Unusual Provisions |  |  |  |  | $ 1,300 | $ 1,500 |  |  |  |
Income Tax Examination, Penalties and Interest Accrued, Total |  |  | 0 |  | 0 |  | 0 | 0 |  |
Contract with Customer, Liability, Revenue Recognized |  |  |  |  | 9,400 |  |  |  |  |
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due |  |  | 2,596 | 1,493 | 2,596 | 1,493 | 1,187 | 2,596 |  |
Late Fee Income Generated by Servicing Financial Assets, Amount |  |  |  |  | 1,500 | 1,500 |  |  |  |
Income Tax Expense (Benefit), Total |  |  | 2,981 | $ 3,381 | $ 11,379 | 8,464 |  |  |  |
Treasury Stock Shares to Establish Reserve Account to Secure Service Contracts |  |  |  |  | 10,000 |  |  |  |  |
Liabilities, Total |  |  | 305,723 |  | $ 305,723 |  | 231,632 | 305,723 |  |
Assets, Total |  |  | 597,893 |  | $ 597,893 |  | 492,542 | 597,893 |  |
ACM Insurance Company [Member] |  |  |  |  |  |  |  |  |  |
Treasury Stock, Shares to Establish Reserve Account to Meet Regulatory Requirements for Insurance Company |  |  |  |  | 14,000 |  |  |  |  |
Accounting Standards Update 2016-09 [Member] |  |  |  |  |  |  |  |  |  |
Income Tax Expense (Benefit), Total |  |  |  |  | $ 1,300 | $ 1,500 |  |  |  |
Accounting Standards Update 2016-02 [Member] |  |  |  |  |  |  |  |  |  |
Liabilities, Total |  |  |  |  |  |  |  |  | $ 34,500 |
Assets, Total |  |  |  |  |  |  |  |  | $ 34,500 |
Payment Protection Plan [Member] |  |  |  |  |  |  |  |  |  |
Contract with Customer, Liability, Total |  |  | 23,566 |  | 23,566 |  | 21,367 | 23,566 |  |
Service Contract [Member] |  |  |  |  |  |  |  |  |  |
Contract with Customer, Liability, Total |  |  | $ 11,392 |  | $ 11,392 |  | $ 10,592 | $ 11,392 |  |
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 |  |  |  |  | $ 50,000 |  |  |  |  |
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 |  |  |  |  | 28.00% |  |  |  |  |

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