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Note C - Finance Receivables, Net (Tables) | 12 Months Ended
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Apr. 30, 2021
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | April 30, 2021 |  |  | April 30, 2020 |
Gross contract amount |  | $ | 980,757 |  |  | $ | 728,841 |
Less unearned finance charges |  |  | (171,220 | ) |  |  | (107,659 | )
Principal balance |  |  | 809,537 |  |  |  | 621,182 |
Less allowance for credit losses |  |  | (184,418 | ) |  |  | (155,041 | )
Finance receivables, net |  | $ | 625,119 |  |  | $ | 466,141 |
Change In Finance Receivables Net [Table Text Block] |
|  | Years Ended April 30, |
(In thousands) |  | 2021 |  |  | 2020 |  |  | 2019 |
Balance at beginning of period |  | $ | 466,141 |  |  | $ | 415,486 |  |  | $ | 383,617 |
Finance receivable originations |  |  | 762,716 |  |  |  | 604,497 |  |  |  | 540,505 |
Finance receivable collections |  |  | (370,254 | ) |  |  | (322,180 | ) |  |  | (293,739 | )
Provision for credit losses |  |  | (163,662 | ) |  |  | (162,246 | ) |  |  | (146,363 | )
Losses on claims for payment protection plan |  |  | (18,954 | ) |  |  | (17,966 | ) |  |  | (17,020 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (50,868 | ) |  |  | (51,450 | ) |  |  | (51,514 | )
Balance at end of period |  | $ | 625,119 |  |  | $ | 466,141 |  |  | $ | 415,486 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Years Ended April 30, |
(In thousands) |  | 2021 |  |  | 2020 |  |  | 2019 |
Balance at beginning of period |  | $ | 155,041 |  |  | $ | 127,842 |  |  | $ | 117,821 |
Provision for credit losses |  |  | 163,662 |  |  |  | 162,246 |  |  |  | 146,363 |
Charge-offs, net of recovered collateral |  |  | (134,285 | ) |  |  | (135,047 | ) |  |  | (136,342 | )
Balance at end of period |  | $ | 184,418 |  |  | $ | 155,041 |  |  | $ | 127,842 |
Financing Receivable, Past Due [Table Text Block] |
(Dollars in thousands) |  | April 30, 2021 |  |  | April 30, 2020 |
|  | Principal |  |  | Percent of |  |  | Principal |  |  | Percent of |
|  | Balance |  |  | Portfolio |  |  | Balance |  |  | Portfolio |
Current |  | $ | 717,520 |  |  |  | 88.64 | % |  | $ | 515,390 |  |  |  | 82.97 | %
3 - 29 days past due |  |  | 71,269 |  |  |  | 8.80 | % |  |  | 67,259 |  |  |  | 10.83 | %
30 - 60 days past due |  |  | 13,058 |  |  |  | 1.61 | % |  |  | 25,311 |  |  |  | 4.07 | %
61 - 90 days past due |  |  | 5,551 |  |  |  | 0.69 | % |  |  | 10,140 |  |  |  | 1.63 | %
> 90 days past due |  |  | 2,139 |  |  |  | 0.26 | % |  |  | 3,082 |  |  |  | 0.50 | %
Total |  | $ | 809,537 |  |  |  | 100.00 | % |  | $ | 621,182 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Twelve Months Ended April 30, |
|  | 2021 |  |  | 2020 |
Principal collected as a percent of average finance receivables |  |  | 53.2 | % |  |  | 55.1 | %
Average down-payment percentage |  |  | 7.1 | % |  |  | 6.4 | %
|  | April 30, 2021 |  |  | April 30, 2020 |
Average originating contract term (in months) |  |  | 34.6 |  |  |  | 30.7 |
Portfolio weighted average contract term, including modifications (in months) |  |  | 37.3 |  |  |  | 33.3 |
Schedule of Financing Receivable by Fiscal Year of Origination [Table Text Block] |
|  | Customer Score by Fiscal Year of Origination |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Prior to |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2017 |  |  | Total |  |  | % |
1-2 |  | $ | 32,946 |  |  | $ | 11,967 |  |  | $ | 1,229 |  |  | $ | 63 |  |  | $ | 8 |  |  | $ | - |  |  | $ | 46,213 |  |  |  | 5.7 | %
3-4 |  |  | 211,939 |  |  |  | 66,524 |  |  |  | 8,299 |  |  |  | 491 |  |  |  | 26 |  |  |  | 8 |  |  |  | 287,287 |  |  |  | 35.5 | %
5-6 |  |  | 346,461 |  |  |  | 108,576 |  |  |  | 19,006 |  |  |  | 1,868 |  |  |  | 121 |  |  |  | 5 |  |  |  | 476,037 |  |  |  | 58.8 | %
Total |  | $ | 591,346 |  |  | $ | 187,067 |  |  | $ | 28,534 |  |  | $ | 2,422 |  |  | $ | 155 |  |  | $ | 13 |  |  | $ | 809,537 |  |  |  | 100.0 | %

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