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Note C - Finance Receivables, Net (Tables)

9 Months Ended

Jan. 31, 2021

Notes Tables

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

(In thousands)		January 31, 2021				April 30, 2020
Gross contract amount		$	886,019			$	728,841
Less unearned finance charges			(141,498	)			(107,659	)
Principal balance			744,521				621,182
Less allowance for credit losses			(185,580	)			(155,041	)
Finance receivables, net		$	558,941			$	466,141

Change In Finance Receivables Net [Table Text Block]

		Nine Months Ended January 31,
(In thousands)		2021				2020
Balance at beginning of period		$	466,141			$	415,486
Finance receivable originations			524,820				446,093
Finance receivable collections			(254,845	)			(229,973	)
Provision for credit losses			(127,585	)			(112,885	)
Losses on claims for payment protection plan			(13,898	)			(13,141	)
Inventory acquired in repossession and payment protection plan claims			(35,692	)			(38,325	)
Balance at end of period		$	558,941			$	467,255

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

		Nine Months Ended January 31,
(In thousands)		2021				2020
Balance at beginning of period		$	155,041			$	127,842
Provision for credit losses			127,585				112,885
Charge-offs, net of recovered collateral			(97,046	)			(100,445	)
Balance at end of period		$	185,580			$	140,282

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		January 31, 2021								April 30, 2020								January 31, 2020
		Principal				Percent of				Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio				Balance				Portfolio
Current		$	655,445				88.04	%		$	515,390				82.97	%		$	513,053				84.44	%
3 - 29 days past due			68,414				9.19	%			67,259				10.83	%			72,971				12.01	%
30 - 60 days past due			14,147				1.90	%			25,311				4.07	%			14,504				2.39	%
61 - 90 days past due			4,163				0.56	%			10,140				1.63	%			4,413				0.73	%
> 90 days past due			2,352				0.32	%			3,082				0.50	%			2,596				0.43	%
Total		$	744,521				100.00	%		$	621,182				100.00	%		$	607,537				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
$	440,211				246,202				50,425				6,036				1,064				583			$	744,521

Financing Receivable Credit Quality Indicators [Table Text Block]

		Nine Months Ended January 31,
		2021				2020
Principal collected as a percent of average finance receivables			38.0	%			40.0	%
Average down-payment percentage			6.4	%			5.9	%
Average originating contract term (in months)			33.7				30.8
		January 31, 2021				January 31, 2020
Portfolio weighted average contract term, including modifications (in months)			35.7				32.5

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