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v3.22.2.2

Note B - Summary of Significant Accounting Policies (Details Textual) | 3 Months Ended | 15 Months Ended |  |
--- | --- | --- | --- | ---
Jul. 31, 2022 USD ($) shares | Jul. 31, 2021 USD ($) | Jul. 31, 2021 USD ($) | Apr. 30, 2022 USD ($) | Apr. 30, 2021 USD ($)
Number of Reportable Segments | 1 |  |  |  |
Average Finance Receivable Interest Rate | 16.50% |  |  |  |
Interest Receivable | $ 5,032,000 |  |  | $ 4,926,000 |
Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage | 79.00% |  |  |  |
Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio | 3.60% |  |  | 3.00% |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Day) | 68 days |  |  |  |
Financing Receivable, Weighted Average Total Contract Term (Month) | 44 months |  |  |  |
Financing Receivable, Remaining Contract Term (Month) | 35 months |  |  |  |
Financing Receivable, Allowance for Credit Loss, Ending Balance | $ 265,818,000 | $ 201,874,000 | $ 201,874,000 | $ 247,207,000 | $ 184,418,000
Finance Receivables, Allowance, Percent of Principle Balance | 24.50% |  |  |  |
Finance Receivable, Principal Balance | $ 1,185,276,000 | $ 890,467,000 | 890,467,000 | 1,101,497,000 |
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 1 month 6 days |  |  |  |
Goodwill, Impairment Loss | $ 0 |  | 0 |  |
Goodwill, Ending Balance | $ 8,623,000 |  |  | 8,623,000 |
Effective Income Tax Rate Reconciliation, Percent, Total | 22.70% | 21.40% |  |  |
Tax Adjustments, Settlements, and Unusual Provisions | $ 206,000 | $ 644,000 |  |  |
Income Tax Examination, Penalties and Interest Accrued, Total | 0 |  |  | 0 |
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due | 2,700,000 | 4,000,000.0 | $ 4,000,000.0 |  |
Late Fee Income Generated by Servicing Financial Assets, Amount | 970,000 | $ 640,000 |  |  |
Contract with Customer, Liability, Revenue Recognized | $ 9,600,000 |  |  |  |
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 |  |  |  |
Minimum [Member] |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Day) | 1 year |  |  |  |
Maximum [Member] |  |  |  |  |
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Day) | 5 years |  |  |  |
Accident Protection Plan [Member] |  |  |  |  |
Contract with Customer, Liability, Total | $ 46,900,000 |  |  |  |
Service Contract [Member] |  |  |  |  |
Contract with Customer, Liability, Total | 53,459,000 |  |  | $ 48,555,000 |
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 | 28.30% |  |  |  |

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