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Note B - Summary of Significant Accounting Policies (Details Textual) | 3 Months Ended | 6 Months Ended | 12 Months Ended | 18 Months Ended |  |
--- | --- | --- | --- | --- | --- | ---
Oct. 31, 2020 USD ($) | Oct. 31, 2019 USD ($) | Oct. 31, 2020 USD ($) shares | Oct. 31, 2019 USD ($) | Apr. 30, 2020 USD ($) | Oct. 31, 2020 USD ($) | Jul. 31, 2019 | Apr. 30, 2019 USD ($)
Number of Reportable Segments |  |  | 1 |  |  |  |  |
Average Finance Receivable Interest Rate |  |  | 16.50% |  |  |  |  |
Interest Receivable | $ 2,643,000 |  | $ 2,643,000 |  | $ 3,098,000 | $ 2,643,000 |  |
Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage |  |  | 77.00% |  |  |  |  |
Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio | 2.50% | 3.50% | 2.50% | 3.50% |  | 2.50% |  |
Financing Receivable, Weighted Average Total Contract Term (Month) |  |  | 34 months 21 days |  |  |  |  |
Financing Receivable, Remaining Contract Term (Month) |  |  | 26 months |  |  |  |  |
Financing Receivable, Allowance for Credit Loss, Ending Balance | $ 172,965,000 | $ 135,481,000 | $ 172,965,000 | $ 135,481,000 | 155,041,000 | $ 172,965,000 |  | $ 127,842,000
Finance Receivables, Allowance, Percent of Principle Balance | 26.50% |  | 26.50% |  |  | 26.50% | 24.50% | 25.00%
Finance Receivable Principal Balance | $ 692,775,000 | 587,087,000 | $ 692,775,000 | $ 587,087,000 | 621,182,000 | $ 692,775,000 |  |
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 (Month) |  |  |  |  |  | 13 months |  |
Goodwill, Impairment Loss |  |  | $ 0 |  | 0 |  |  |
Effective Income Tax Rate Reconciliation, Percent, Total |  |  | 23.50% | 22.20% |  |  |  |
Tax Adjustments, Settlements, and Unusual Provisions |  |  | $ (331,000) | $ (415,000) |  |  |  |
Open Tax Year |  |  | 2017 2018 2019 2020 |  |  |  |  |
Income Tax Examination, Penalties and Interest Accrued, Total | $ 0 |  | $ 0 |  | 0 | $ 0 |  |
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due | 1,576,000 | 2,226,000 | 1,576,000 | 2,226,000 | 3,082,000 | 1,576,000 |  |
Late Fee Income Generated by Servicing Financial Assets, Amount |  |  | 1,100,000 | 980,000 |  |  |  |
Contract with Customer, Liability, Revenue Recognized |  |  | 9,300,000 |  |  |  |  |
Income Tax Expense (Benefit), Total | 6,554,000 | $ 4,070,000 | $ 12,529,000 | 8,398,000 |  |  |  |
Treasury Stock Shares to Establish Reserve Account to Secure Service Contracts (in shares) | shares |  |  | 10,000 |  |  |  |  |
ACM Insurance Company [Member] |  |  |  |  |  |  |  |
Treasury Stock, Shares to Establish Reserve Account to Meet Regulatory Requirements for Insurance Company (in shares) | shares |  |  | 14,000 |  |  |  |  |
Accounting Standards Update 2016-09 [Member] |  |  |  |  |  |  |  |
Income Tax Expense (Benefit), Total |  |  | $ (331,000) | $ (415,000) |  |  |  |
Minimum [Member] |  |  |  |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year) |  |  | 1 year |  |  |  |  |
Maximum [Member] |  |  |  |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year) |  |  | 5 years |  |  |  |  |
Payment Protection Plan [Member] |  |  |  |  |  |  |  |
Contract with Customer, Liability, Total | 26,840,000 |  | $ 26,840,000 |  | 24,480,000 | 26,840,000 |  |
Service Contract [Member] |  |  |  |  |  |  |  |
Contract with Customer, Liability, Total | $ 13,236,000 |  | 13,236,000 |  | $ 11,641,000 | $ 13,236,000 |  |
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 |  |  | 28.00% |  |  |  |  |

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