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Note C - Finance Receivables, Net (Tables)

3 Months Ended

Jul. 31, 2020

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)		July 31, 2020				April 30, 2020
Gross contract amount		$	757,313			$	728,841
Less unearned finance charges			(113,978	)			(107,659	)
Principal balance			643,335				621,182
Less allowance for credit losses			(160,807	)			(155,041	)
Finance receivables, net		$	482,528			$	466,141

Change In Finance Receivables Net [Table Text Block]

		Three Months Ended July 31,
(In thousands)		2020				2019
Balance at beginning of period		$	466,141			$	415,486
Finance receivable originations			148,879				137,855
Finance receivable collections			(82,134	)			(74,355	)
Provision for credit losses			(36,084	)			(31,475	)
Losses on claims for payment protection plan			(3,939	)			(4,230	)
Inventory acquired in repossession and payment protection plan claims			(10,335	)			(11,671	)
Balance at end of period		$	482,528			$	431,610

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		Three Months Ended July 31,
(In thousands)		2020				2019
Balance at beginning of period		$	155,041			$	127,842
Provision for credit losses			36,084				31,475
Charge-offs, net of recovered collateral			(30,318	)			(29,823	)
Balance at end of period		$	160,807			$	129,494

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		July 31, 2020								April 30, 2020								July 31, 2019
		Principal				Percent of				Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio				Balance				Portfolio
Current		$	559,168				86.92	%		$	515,390				82.97	%		$	445,461				79.39	%
3 - 29 days past due			67,361				10.47	%			67,259				10.83	%			94,254				16.80	%
30 - 60 days past due			11,526				1.79	%			25,311				4.07	%			15,891				2.83	%
61 - 90 days past due			3,028				0.47	%			10,140				1.63	%			3,533				0.63	%
> 90 days past due			2,252				0.35	%			3,082				0.50	%			1,965				0.35	%
Total		$	643,335				100.00	%		$	621,182				100.00	%		$	561,104				100.00	%

Schedule of Financing Receivable by Fiscal Year of Origination [Table Text Block]

(In thousands)
Fiscal Year of Origination																				Prior to
2021				2020				2019				2018				2017				2017				Total
$	144,383				370,955				107,823				17,163				2,073				938			$	643,335

Financing Receivable Credit Quality Indicators [Table Text Block]

		Three Months Ended July 31,
		2020				2019
Principal collected as a percent of average finance receivables			13.0	%			13.5	%
Average down-payment percentage			7.6	%			6.5	%
Average originating contract term (in months)			32.4				29.9

Financing Receivable Contract Terms [Table Text Block]

		July 31, 2020				July 31, 2019
Portfolio weighted average contract term, including modifications (in months)			33.9				32.1

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