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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Jul. 31, 2021
Jul. 31, 2020
Net income $ 24,967,000 $ 19,564,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 54,108,000 36,084,000
Losses on claims for payment protection plan 4,518,000 3,939,000
Depreciation and amortization 915,000 938,000
Amortization of debt issuance costs 120,000 80,000
Loss on disposal of property and equipment 2,000 0
Stock based compensation 2,972,000 2,320,000
Deferred income taxes 1,972,000 1,092,000
Excess tax benefit from share based compensation 644,000 91,000
Change in operating assets and liabilities:    
Finance receivable originations (234,893,000) (148,879,000)
Finance receivable collections 97,342,000 82,134,000
Accrued interest on finance receivables (162,000) 427,000
Inventory 683,000 (9,471,000)
Prepaid expenses and other assets (737,000) (515,000)
Accounts payable and accrued liabilities 2,295,000 3,575,000
Income taxes, net 4,175,000 829,000
Net cash used in operating activities (31,395,000) (7,398,000)
Investing Activities:    
Purchase of property and equipment (1,689,000) (2,851,000)
Net cash used in investing activities (1,689,000) (2,851,000)
Financing Activities:    
Exercise of stock options (1,007,000) 1,166,000
Issuance of common stock 81,000 50,000
Purchase of common stock (11,618,000) 0
Dividend payments (10,000) (10,000)
Change in cash overdrafts (316,000) 1,466,000
Payments on note payable 0 (151,000)
Proceeds from revolving credit facilities 76,335,000 1,941,000
Payments on revolving credit facilities (30,555,000) (3,155,000)
Net cash provided by provided by financing activities 32,910,000 1,307,000
Decrease in cash and cash equivalents (174,000) (8,942,000)
Cash and cash equivalents, beginning of period 2,893,000 59,560,000
Cash and cash equivalents, end of period 2,719,000 50,618,000
Accident Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 3,084,000 398,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 6,600,000 $ (4,000)