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Note C - Finance Receivables, Net (Tables) | 6 Months Ended
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Oct. 31, 2020
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | October 31, 2020 |  |  | April 30, 2020 |
Gross contract amount |  | $ | 820,079 |  |  | $ | 728,841 |
Less unearned finance charges |  |  | (127,304 | ) |  |  | (107,659 | )
Principal balance |  |  | 692,775 |  |  |  | 621,182 |
Less allowance for credit losses |  |  | (172,965 | ) |  |  | (155,041 | )
Finance receivables, net |  | $ | 519,810 |  |  | $ | 466,141 |
Change In Finance Receivables Net [Table Text Block] |
|  | Six Months Ended October 31, |
(In thousands) |  | 2020 |  |  | 2019 |
Balance at beginning of period |  | $ | 466,141 |  |  | $ | 415,486 |
Finance receivable originations |  |  | 333,255 |  |  |  | 293,174 |
Finance receivable collections |  |  | (168,348 | ) |  |  | (151,075 | )
Provision for credit losses |  |  | (79,946 | ) |  |  | (72,652 | )
Losses on claims for payment protection plan |  |  | (8,918 | ) |  |  | (8,359 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (22,374 | ) |  |  | (24,968 | )
Balance at end of period |  | $ | 519,810 |  |  | $ | 451,606 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Six Months Ended October 31, |
(In thousands) |  | 2020 |  |  | 2019 |
Balance at beginning of period |  | $ | 155,041 |  |  | $ | 127,842 |
Provision for credit losses |  |  | 79,946 |  |  |  | 72,652 |
Charge-offs, net of recovered collateral |  |  | (62,022 | ) |  |  | (65,013 | )
Balance at end of period |  | $ | 172,965 |  |  | $ | 135,481 |
Financing Receivable, Past Due [Table Text Block] |
(Dollars in thousands) |  | October 31, 2020 |  |  | April 30, 2020 |  |  | October 31, 2019 |
|  | Principal |  |  | Percent of |  |  | Principal |  |  | Percent of |  |  | Principal |  |  | Percent of |
|  | Balance |  |  | Portfolio |  |  | Balance |  |  | Portfolio |  |  | Balance |  |  | Portfolio |
Current |  | $ | 604,306 |  |  |  | 87.23 | % |  | $ | 515,390 |  |  |  | 82.97 | % |  | $ | 478,136 |  |  |  | 81.44 | %
3 - 29 days past due |  |  | 71,412 |  |  |  | 10.31 | % |  |  | 67,259 |  |  |  | 10.83 | % |  |  | 88,606 |  |  |  | 15.09 | %
30 - 60 days past due |  |  | 12,434 |  |  |  | 1.79 | % |  |  | 25,311 |  |  |  | 4.07 | % |  |  | 14,267 |  |  |  | 2.43 | %
61 - 90 days past due |  |  | 3,047 |  |  |  | 0.44 | % |  |  | 10,140 |  |  |  | 1.63 | % |  |  | 3,852 |  |  |  | 0.66 | %
> 90 days past due |  |  | 1,576 |  |  |  | 0.23 | % |  |  | 3,082 |  |  |  | 0.50 | % |  |  | 2,226 |  |  |  | 0.38 | %
Total |  | $ | 692,775 |  |  |  | 100.00 | % |  | $ | 621,182 |  |  |  | 100.00 | % |  | $ | 587,087 |  |  |  | 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 |
$ | 300,859 |  |  |  | 304,214 |  |  |  | 75,570 |  |  |  | 10,020 |  |  |  | 1,427 |  |  |  | 685 |  |  | $ | 692,775 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Six Months Ended October 31, |
|  | 2020 |  |  | 2019 |
Principal collected as a percent of average finance receivables |  |  | 25.9 | % |  |  | 26.8 | %
Average down-payment percentage |  |  | 6.9 | % |  |  | 6.2 | %
Average originating contract term (in months) |  |  | 33.1 |  |  |  | 30.2 |
Financing Receivable Contract Terms [Table Text Block] |
|  | October 31, 2020 |  |  | October 31, 2019 |
Portfolio weighted average contract term, including modifications (in months) |  |  | 34.7 |  |  |  | 32.3 |

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