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v3.22.2.2

Note B - Summary of Significant Accounting Policies (Details Textual) | 3 Months Ended | 6 Months Ended | 18 Months Ended |  |  |
--- | --- | --- | --- | --- | --- | ---
Jul. 31, 2022 USD ($) | Oct. 31, 2022 USD ($) shares | Oct. 31, 2021 USD ($) | Oct. 31, 2021 USD ($) | Apr. 30, 2022 USD ($) | Jul. 31, 2021 USD ($) | Apr. 30, 2021 USD ($)
Number of Reportable Segments |  | 1 |  |  |  |  |
Average Finance Receivable Interest Rate |  | 16.50% |  |  |  |  |
Interest Receivable |  | $ 5,382,000 |  |  | $ 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 (Year) |  | 44 years 9 months 18 days |  |  |  |  |
Financing Receivable, Remaining Contract Term (Year) |  | 35 years 6 months |  |  |  |  |
Financing Receivable, Allowance for Credit Loss, Ending Balance |  | $ 272,730,000 | $ 208,957,000 | $ 208,957,000 | $ 237,823,000 |  | $ 177,267,000
Finance Receivables, Allowance, Percent of Principle Balance |  | 23.65% |  |  |  |  |
Finance Receivable, Principal Balance | $ 1,259,649,000 | $ 1,259,649,000 | $ 966,425,000 | 966,425,000 | 1,101,497,000 | $ 966,425,000 |
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 |  | $ 8,848,000 |  |  | 8,623,000 |  |
Effective Income Tax Rate Reconciliation, Percent, Total |  | 22.70% | 21.90% |  |  |  |
Tax Adjustments, Settlements, and Unusual Provisions |  | $ 206,000 | $ 910,000 |  |  |  |
Income Tax Examination, Penalties and Interest Accrued, Total |  | 0 |  |  | 0 |  |
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due |  | 3,500,000 | 6,500,000 | $ 6,500,000 |  |  |
Late Fee Income Generated by Servicing Financial Assets, Amount |  | 2,000,000.0 | $ 1,400,000 |  |  |  |
Contract with Customer, Liability, Revenue Recognized |  | $ 17,100,000 |  |  |  |  |
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 |  | $ 49,200,000 |  |  |  |  |
Service Contract [Member] |  |  |  |  |  |  |
Contract with Customer, Liability, Total |  | 57,265,000 |  |  | $ 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 |  | 28.00% |  |  |  |  |

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