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Note C - Finance Receivables, Net (Tables)

9 Months Ended

Jan. 31, 2023

Notes Tables

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

(In thousands)		January 31, 2023				April 30, 2022
Gross contract amount		$	1,643,982			$	1,378,803
Less unearned finance charges			(338,026	)			(277,306	)
Principal balance			1,305,956				1,101,497
Less allowance for credit losses			(282,775	)			(237,823	)
Finance receivables, net		$	1,023,181			$	863,674

Change In Finance Receivables Net [Table Text Block]

		Nine Months Ended January 31,
(In thousands)		2023				2022
Balance at beginning of period		$	863,674			$	632,270
Finance receivable originations			841,445				718,275
Finance receivable collections			(308,671	)			(293,458	)
Provision for credit losses			(250,719	)			(167,987	)
Losses on claims for accident protection plan			(17,717	)			(14,748	)
Inventory acquired in repossession and accident protection plan claims			(104,831	)			(67,363	)
Balance at end of period		$	1,023,181			$	806,989

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

		Nine Months Ended January 31,
(In thousands)		2023				2022
Balance at beginning of period		$	237,823			$	177,267
Provision for credit losses			250,719				167,987
Charge-offs, net of recovered collateral and deferred ancillary product revenue			(205,769	)			(123,042	)
Recoveries of amounts previously written off			2				2
Balance at end of period		$	282,775			$	222,214

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		January 31, 2023								April 30, 2022								January 31, 2022
		Principal				Percent of				Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio				Balance				Portfolio
Current		$	1,011,877				77.48	%		$	958,808				87.05	%		$	841,635				81.78	%
3 - 29 days past due			245,939				18.83	%			109,873				9.97	%			146,609				14.24	%
30 - 60 days past due			36,447				2.79	%			22,477				2.04	%			29,062				2.81	%
61 - 90 days past due			7,700				0.59	%			7,360				0.67	%			6,682				0.65	%
> 90 days past due			3,993				0.31	%			2,979				0.27	%			5,215				0.51	%
Total		$	1,305,956				100.00	%		$	1,101,497				100.00	%		$	1,029,203				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Nine Months Ended January 31,
		2023				2022
Average total collected per active customer per month		$	516			$	487
Principal collected as a percent of average finance receivables			25.4	%			31.7	%
Average down-payment percentage			5.4	%			6.1	%
Average originating contract term (in months)			42.5				39.6

		January 31, 2023				January 31, 2022
Portfolio weighted average contract term, including modifications (in months)			45.4				41.2

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

(Dollars in			As of January 31, 2023
thousands)			Fiscal Year of Origination
Customer Rating			2023				2022				2021				2020				2019				Prior to 2019				Total				%
1-2			$	31,580			$	17,295			$	4,212			$	545			$	35			$	12			$	53,679				4.1	%
3-4			$	232,273			$	135,531			$	36,562			$	2,974			$	332			$	192			$	407,864				31.2	%
5-6			$	437,566			$	307,513			$	89,582			$	8,389			$	910			$	453			$	844,413				64.7	%
Total			$	701,419			$	460,339			$	130,356			$	11,908			$	1,277			$	657			$	1,305,956				100.0	%

(Dollars in			As of January 31, 2022
thousands)			Fiscal Year of Origination
Customer Rating			2022				2021				2020				2019				2018				Prior to 2018				Total				%
1-2			$	31,704			$	16,129			$	3,921			$	170			$	3			$	-			$	51,927				5.0	%
3-4			$	207,084			$	112,330			$	23,042			$	1,205			$	36			$	17			$	343,714				33.4	%
5-6			$	372,508			$	214,120			$	43,186			$	3,498			$	230			$	20			$	633,562				61.6	%
Total			$	611,296			$	342,579			$	70,149			$	4,873			$	269			$	37			$	1,029,203				100.0	%

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