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Note C - Finance Receivables, Net (Tables) | 9 Months Ended
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Jan. 31, 2020
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | January 31, 2020 |  | April 30, 2019
Gross contract amount |  | $ | 706,014 |  |  | $ | 631,681 |
Less unearned finance charges |  |  | (98,477 | ) |  |  | (88,353 | )
Principal balance |  |  | 607,537 |  |  |  | 543,328 |
Less allowance for credit losses |  |  | (140,282 | ) |  |  | (127,842 | )
Finance receivables, net |  | $ | 467,255 |  |  | $ | 415,486 |
Change In Finance Receivables Net [Table Text Block] |
|  | Nine Months Ended January 31,
(In thousands) |  | 2020 |  | 2019
Balance at beginning of period |  | $ | 415,486 |  |  | $ | 383,617 |
Finance receivable originations |  |  | 446,093 |  |  |  | 399,089 |
Finance receivable collections |  |  | (229,973 | ) |  |  | (206,620 | )
Provision for credit losses |  |  | (112,885 | ) |  |  | (111,619 | )
Losses on claims for payment protection plan |  |  | (13,141 | ) |  |  | (12,148 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (38,325 | ) |  |  | (37,406 | )
Balance at end of period |  | $ | 467,255 |  |  | $ | 414,913 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Nine Months Ended January 31,
(In thousands) |  | 2020 |  | 2019
Balance at beginning of period |  | $ | 127,842 |  |  | $ | 117,821 |
Provision for credit losses |  |  | 112,885 |  |  |  | 111,619 |
Charge-offs, net of recovered collateral |  |  | (100,445 | ) |  |  | (101,460 | )
Balance at end of period |  | $ | 140,282 |  |  | $ | 127,980 |
Financing Receivable, Past Due [Table Text Block] |
(Dollars in thousands) |  | January 31, 2020 |  | April 30, 2019 |  | January 31, 2019
|  | Principal |  | Percent of |  | Principal |  | Percent of |  | Principal |  | Percent of
|  | Balance |  | Portfolio |  | Balance |  | Portfolio |  | Balance |  | Portfolio
Current |  | $ | 513,053 |  |  |  | 84.44 | % |  | $ | 435,603 |  |  |  | 80.17 | % |  | $ | 450,931 |  |  |  | 83.05 | %
3 - 29 days past due |  |  | 72,971 |  |  |  | 12.01 | % |  |  | 91,747 |  |  |  | 16.89 | % |  |  | 74,788 |  |  |  | 13.78 | %
30 - 60 days past due |  |  | 14,504 |  |  |  | 2.39 | % |  |  | 11,362 |  |  |  | 2.09 | % |  |  | 12,062 |  |  |  | 2.22 | %
61 - 90 days past due |  |  | 4,413 |  |  |  | 0.73 | % |  |  | 3,429 |  |  |  | 0.63 | % |  |  | 3,619 |  |  |  | 0.67 | %
> 90 days past due |  |  | 2,596 |  |  |  | 0.43 | % |  |  | 1,187 |  |  |  | 0.22 | % |  |  | 1,493 |  |  |  | 0.28 | %
Total |  | $ | 607,537 |  |  |  | 100.00 | % |  | $ | 543,328 |  |  |  | 100.00 | % |  | $ | 542,893 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Nine Months Ended January 31,
|  | 2020 |  | 2019
Principal collected as a percent of average finance receivables |  |  | 40.0 | % |  |  | 39.2 | %
Average down-payment percentage |  |  | 5.9 | % |  |  | 5.8 | %
Average originating contract term (in months ) |  |  | 30.8 |  |  |  | 29.4 |
Financing Receivable Contract Terms [Table Text Block] |
|  | January 31, 2020 |  | January 31, 2019
Portfolio weighted average contract term, including modifications (in months ) |  |  | 32.5 |  |  |  | 32.0 |

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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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: 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=118936363&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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