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Note C - Finance Receivables, Net (Tables)

3 Months Ended

Jul. 31, 2023

Notes Tables

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

(In thousands)		July 31, 2023				April 30, 2023
Gross contract amount		$	1,843,956			$	1,752,149
Less unearned finance charges			(403,249	)			(378,777	)
Principal balance			1,440,707				1,373,372
Less allowance for credit losses			(314,442	)			(299,608	)
Finance receivables, net			1,126,265				1,073,764
Loan origination costs			727				700
Finance receivables, net, including loan origination costs		$	1,126,992			$	1,074,464

Change In Finance Receivables Net [Table Text Block]

		Three Months Ended July 31,
(In thousands)		2023				2022
Balance at beginning of period		$	1,073,764			$	863,674
Finance receivable originations			297,732				287,416
Finance receivable collections			(109,291	)			(103,879	)
Provision for credit losses			(96,323	)			(76,241	)
Losses on claims for accident protection plan			(7,769	)			(6,108	)
Inventory acquired in repossession and accident protection plan claims			(31,848	)			(35,422	)
Balance at end of period		$	1,126,265			$	929,440

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

		Three Months Ended July 31,
(In thousands)		2023				2022
Balance at beginning of period		$	299,608			$	237,823
Provision for credit losses			96,323				76,241
Charge-offs			(112,745	)			(87,166	)
Recovered collateral			31,256				28,938
Balance at end of period		$	314,442			$	255,836

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		July 31, 2023								April 30, 2023								July 31, 2022
		Principal				Percent of				Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio				Balance				Portfolio
Current		$	1,151,275				79.91	%		$	1,166,860				84.96	%		$	990,391				83.56	%
3 - 29 days past due			226,600				15.73	%			156,943				11.43	%			151,953				12.82	%
30 - 60 days past due			48,650				3.38	%			37,214				2.71	%			33,576				2.83	%
61 - 90 days past due			9,294				0.65	%			8,407				0.61	%			6,675				0.56	%
> 90 days past due			4,888				0.34	%			3,948				0.29	%			2,681				0.23	%
Total		$	1,440,707				100.00	%		$	1,373,372				100.00	%		$	1,185,276				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Three Months Ended July 31,
		2023				2022
Average total collected per active customer per month		$	535			$	516
Principal collected as a percent of average finance receivables			7.8	%			9.1	%
Average down-payment percentage			5.0	%			5.4	%
Average originating contract term (in months)			44.7				42.8

		As of
		July 31, 2023				July 31, 2022
Portfolio weighted average contract term, including modifications (in months)			46.9				44.0

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

			As of July 31, 2023
(Dollars in thousands)			Fiscal Year of Origination																				Prior to
Customer Rating			2024				2023				2022				2021				2020				2020				Total				%
1-2			$	14,450			$	30,477			$	9,911			$	1,821			$	227			$	28			$	56,914				4.0	%
3-4			$	105,595			$	241,759			$	84,065			$	17,510			$	1,044			$	311			$	450,284				31.3	%
5-6			$	176,815			$	486,594			$	215,403			$	50,180			$	3,665			$	852			$	933,509				64.8	%
Total			$	296,860			$	758,830			$	309,379			$	69,511			$	4,936			$	1,191			$	1,440,707				100.0	%
Charge-offs			$	3,239			$	75,308			$	28,036			$	5,577			$	441			$	144			$	112,745

			As of July 31, 2022
(Dollars in thousands)			Fiscal Year of Origination																				Prior to
Customer Rating			2023				2022				2021				2020				2019				2019				Total				%
1-2			$	13,884			$	28,789			$	8,207			$	1,283			$	51			$	-			$	52,214				4.4	%
3-4			$	95,459			$	208,770			$	64,427			$	8,036			$	313			$	21			$	377,026				31.8	%
5-6			$	176,849			$	420,932			$	139,152			$	18,122			$	939			$	42			$	756,036				63.8	%
Total			$	286,192			$	658,491			$	211,786			$	27,441			$	1,303			$	63			$	1,185,276				100.0	%

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