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Note C - Finance Receivables, Net (Tables)

6 Months Ended

Oct. 31, 2021

Notes Tables

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

(In thousands)		October 31, 2021				April 30, 2021
Gross contract amount		$	1,186,656			$	980,757
Less unearned finance charges			(220,231	)			(171,220	)
Principal balance			966,425				809,537
Less allowance for credit losses			(218,220	)			(184,418	)
Finance receivables, net		$	748,205			$	625,119

Change In Finance Receivables Net [Table Text Block]

		Six Months Ended October 31,
(In thousands)		2021				2020
Balance at beginning of period		$	625,119			$	466,141
Finance receivable originations			476,580				333,255
Finance receivable collections			(194,546	)			(168,348	)
Provision for credit losses			(115,055	)			(79,946	)
Losses on claims for accident protection plan			(10,012	)			(8,918	)
Inventory acquired in repossession and accident protection plan claims			(33,881	)			(22,374	)
Balance at end of period		$	748,205			$	519,810

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

		Six Months Ended October 31,
(In thousands)		2021				2020
Balance at beginning of period		$	184,418			$	155,041
Provision for credit losses			115,055				79,946
Charge-offs, net of recovered collateral			(81,253	)			(62,022	)
Balance at end of period		$	218,220			$	172,965

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		October 31, 2021								April 30, 2021								October 31, 2020
		Principal				Percent of				Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio				Balance				Portfolio
Current		$	819,314				84.78	%		$	717,520				88.64	%		$	604,306				87.23	%
3 - 29 days past due			108,563				11.23	%			71,269				8.80	%			71,412				10.31	%
30 - 60 days past due			24,499				2.53	%			13,058				1.61	%			12,434				1.79	%
61 - 90 days past due			7,509				0.78	%			5,551				0.69	%			3,047				0.44	%
> 90 days past due			6,540				0.68	%			2,139				0.26	%			1,576				0.23	%
Total		$	966,425				100.00	%		$	809,537				100.00	%		$	692,775				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Six Months Ended October 31,
		2021				2020
Principal collected as a percent of average finance receivables			21.9	%			25.9	%
Average down-payment percentage			6.4	%			6.9	%
Average originating contract term (in months)			39.7				33.1

		October 31, 2021				October 31, 2020
Portfolio weighted average contract term, including modifications (in months)			40.0				34.7

Schedule of Financing Receivable by Fiscal Year of Origination [Table Text Block]

			As of October 31, 2021
(Dollars in thousands)			Fiscal Year of Origination																				Prior to
Customer Rating			2022				2021				2020				2019				2018				2018				Total				%
1-2			$	24,599			$	21,147			$	6,009			$	342			$	17			$	-			$	52,114				5.4	%
3-4			$	150,049			$	141,371			$	34,291			$	2,361			$	100			$	32			$	328,204				34.0	%
5-6			$	263,270			$	255,285			$	60,690			$	6,343			$	477			$	42			$	586,107				60.6	%
Total			$	437,918			$	417,803			$	100,990			$	9,046			$	594			$	74			$	966,425				100.0	%

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