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Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2023

Notes Tables

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

(In thousands)		April 30, 2023				April 30, 2022
Gross contract amount		$	1,752,149			$	1,378,803
Less unearned finance charges			(378,777	)			(277,306	)
Principal balance			1,373,372				1,101,497
Less allowance for credit losses			(299,608	)			(237,823	)
Finance receivables, net		$	1,073,764			$	863,674

Change In Finance Receivables Net [Table Text Block]

		Years Ended April 30,
(In thousands)		2023				2022				2021
Balance at beginning of period		$	863,674			$	632,270			$	472,401
Finance receivable originations			1,161,132				1,009,858				762,717
Finance receivable collections			(434,458	)			(417,796	)			(370,254	)
Provision for credit losses			(352,860	)			(238,054	)			(153,835	)
Losses on claims for accident protection plan			(25,107	)			(21,871	)			(18,954	)
Inventory acquired in repossession and accident protection plan claims			(138,617	)			(100,734	)			(59,805	)
Balance at end of period		$	1,073,764			$	863,674			$	632,270

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

		Years Ended April 30,
(In thousands)		2023				2022				2021
Balance at beginning of period		$	237,823			$	177,267			$	148,781
Provision for credit losses			352,860				238,054				153,835
Charge-offs, net of recovered collateral			(291,075	)			(177,498	)			(125,349	)
Balance at end of period		$	299,608			$	237,823			$	177,267

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		April 30, 2023								April 30, 2022
		Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio
Current		$	1,166,860				84.96	%		$	958,808				87.05	%
3 - 29 days past due			156,943				11.43	%			109,873				9.97	%
30 - 60 days past due			37,214				2.71	%			22,477				2.04	%
61 - 90 days past due			8,407				0.61	%			7,360				0.67	%
> 90 days past due			3,948				0.29	%			2,979				0.27	%
Total		$	1,373,372				100.00	%		$	1,101,497				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Twelve Months Ended April 30,
		2023				2022
Average total collected per active customer per month		$	534			$	513
Principal collected as a percent of average finance receivables			34.7	%			43.5	%
Average down-payment percentage			5.4	%			6.4	%
Average originating contract term (in months)			42.9				40.2
		April 30, 2023				April 30, 2022
Portfolio weighted average contract term, including modifications (in months)			46.3				42.9

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

			Customer Score by Fiscal Year of Origination
(Dollars in thousands)			2023				2022				2021				2020				2019				Prior to 2019				Total				%
1-2			$	38,743			$	12,983			$	2,736			$	329			$	32			$	6			$	54,829				4.0	%
3-4				294,972				105,101				24,982				1,698				243				137				427,133				31.1	%
5-6				563,581				254,945				66,436				5,390				687				371				891,410				64.9	%
Total			$	897,296			$	373,029			$	94,154			$	7,417			$	962			$	514			$	1,373,372				100.0	%

			Customer Score by Fiscal Year of Origination
(Dollars in thousands)			2022				2021				2020				2019				2018				Prior to 2018				Total				%
1-2			$	37,916			$	11,493			$	2,221			$	77			$	-			$	2			$	51,709				4.7	%
3-4				260,298				84,118				13,537				587				14				15				358,569				32.5	%
5-6				488,257				172,843				28,193				1,803				115				8				691,219				62.8	%
Total			$	786,471			$	268,454			$	43,951			$	2,467			$	129			$	25			$	1,101,497				100.0	%

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