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v3.22.2

Note C - Finance Receivables, Net (Details Textual) | 3 Months Ended | 12 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Apr. 30, 2021 USD ($) $ / shares | Apr. 30, 2020 USD ($) $ / shares | Apr. 30, 2022 USD ($) | Apr. 30, 2021 USD ($) $ / shares | Apr. 30, 2020 USD ($) $ / shares | Jan. 31, 2021 | Jan. 31, 2020 | Jul. 31, 2019 | Apr. 30, 2019 USD ($)
Finance Receivables, Number of Loan Classes |  |  | 1 |  |  |  |  |  |
Finance Receivables, Number of Risk Pools |  |  | 1 |  |  |  |  |  |
Financing Receivable, after Allowance for Credit Loss, Total | $ 625,119,000 | $ 466,141,000 | $ 854,290,000 | $ 625,119,000 | $ 466,141,000 |  |  |  | $ 415,486,000
Financing Receivable, Allowance for Credit Loss, Recovery |  |  | $ 2,400,000 | $ 1,900,000 | $ 1,700,000 |  |  |  |
Finance Receivables, Allowance, Percent of Principle Balance | 24.50% | 26.50% | 24.50% | 24.50% | 26.50% | 26.50% | 24.50% | 24.50% | 25.00%
Delinquencies Greater Than 30 Days as Percentage of Average Financing Receivables | 2.60% | 6.20% | 3.00% | 2.60% | 6.20% |  | 2.90% |  |
Financing Receivable, Credit Loss, Expense (Reversal) | $ (15,100,000) | $ 9,100,000 | $ 257,101,000 | $ 163,662,000 | $ 162,246,000 |  |  |  |
After Tax Effect of Increase to Provision for Credit Losses | $ (11,500,000) | $ 7,000,000.0 |  |  |  |  |  |  |
After Tax Effect Of Change To Provision For Credit Losses, Per Diluted Share (in dollars per share) | $ / shares | $ 1.65 | $ 1.02 |  | $ 1.65 | $ 1.02 |  |  |  |
Financing Receivable, Credit Loss, Expense (Reversal) | $ (15,100,000) | $ 9,100,000 | $ 257,101,000 | $ 163,662,000 | $ 162,246,000 |  |  |  |
Net Charge Offs as Percentage of Average Finance Receivables |  |  | 20.20% | 19.30% |  |  |  |  |
Collections as Percentage of Average Financing Receivables |  |  | 43.50% | 53.20% |  |  |  |  |
Increase (Decrease) in Average Selling Price |  |  | $ 3,028 |  |  |  |  |  |
Increase (Decrease) in Average Selling Price, Percentage |  |  | 22.20% |  |  |  |  |  |
Automobile Loan [Member] | Asset Pledged as Collateral [Member] | Notes Payable [Member] |  |  |  |  |  |  |  |  |
Financing Receivable, after Allowance for Credit Loss, Total |  |  | $ 550,300,000 |  |  |  |  |  |
Maximum [Member] |  |  |  |  |  |  |  |  |
Financing Receivable Interest Rate |  |  | 16.50% |  |  |  |  |  |
Financing Receivable Payment Period (Month) |  |  | 54 months |  |  |  |  |  |
Maximum [Member] | ILLINOIS |  |  |  |  |  |  |  |  |
Financing Receivable Interest Rate |  |  | 21.50% |  |  |  |  |  |
Minimum [Member] |  |  |  |  |  |  |  |  |
Financing Receivable Payment Period (Month) |  |  | 18 months |  |  |  |  |  |
Minimum [Member] | ILLINOIS |  |  |  |  |  |  |  |  |
Financing Receivable Interest Rate |  |  | 19.50% |  |  |  |  |  |

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- Definition Delinquencies greater than 30 days as a percentage of average finance receivables. + References No definition available. + Details
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