XML 41 R31.htm IDEA: XBRL DOCUMENT v3.21.2
Note B - Summary of Significant Accounting Policies (Details Textual)
 2 Months Ended 3 Months Ended 12 Months Ended
Jul. 03, 2021
USD ($)
Jul. 31, 2021
USD ($)
shares
Jul. 31, 2020
USD ($)
Apr. 30, 2021
USD ($)
Jan. 31, 2021
USD ($)
Oct. 31, 2020
USD ($)
Apr. 30, 2020
Jan. 31, 2020
USD ($)
Oct. 31, 2019
USD ($)
Number of Reportable Segments   1              
Average Finance Receivable Interest Rate   16.50%              
Interest Receivable   $ 3,529,000   $ 3,367,000          
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   3.30% 2.60%            
Financing Receivable, Weighted Average Total Contract Term (Year)   38 years 8 months 12 days              
Financing Receivable, Remaining Contract Term (Year)   30 years 6 months              
Financing Receivable, Allowance for Credit Loss, Ending Balance   $ 201,874,000   184,418,000 $ 201,874,000 $ 184,418,000   $ 160,807,000 $ 155,041,000
Finance Receivables, Allowance, Percent of Principle Balance   24.50%         12.00%    
Finance Receivable, Principal Balance   $ 890,467,000 $ 643,335,000 809,537,000          
Percent of Chargeoffs in the First 10 to 11 Months of a Contract   50.00%              
Average Age of Account at Charge-Off Date (Year)   12 years 8 months 12 days              
Payment Protection Plan Liability, Anticipated Losses in Excess of Deferred Revenues   $ 0   0          
Goodwill, Impairment Loss   $ 0   0          
Effective Income Tax Rate Reconciliation, Percent, Total   21.40% 23.40%            
Tax Adjustments, Settlements, and Unusual Provisions   $ 644,000 $ 91,000            
Income Tax Examination, Penalties and Interest Accrued, Total   0   0          
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due   4,000,000.0 2,300,000            
Late Fee Income Generated by Servicing Financial Assets, Amount   640,000 511,000            
Contract with Customer, Liability, Revenue Recognized $ 7,000,000.0                
Income Tax Expense (Benefit), Total   $ 6,791,000 5,975,000            
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   $ 644,000 $ 91,000            
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              
Accident Protection Plan [Member]                  
Contract with Customer, Liability, Total   $ 35,800,000              
Service Contract [Member]                  
Contract with Customer, Liability, Total   30,706,000   $ 24,106,000          
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%              
Revenue Benchmark [Member] | Customer Concentration Risk [Member] | Arkansas, USA [Member]                  
Concentration Risk, Percentage   27.00%