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Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2024

Notes Tables

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

(In thousands)		April 30, 2024				April 30, 2023
Gross contract amount		$	1,844,392			$	1,752,149
Less unearned finance charges			(409,004	)			(378,777	)
Principal balance			1,435,388				1,373,372
Less: estimated insurance receivables for APP claims			(3,026	)			(5,694	)
Less: allowance for APP claims			(3,171	)			(5,310	)
Less: allowance for credit losses			(331,260	)			(299,608	)
Finance receivables, net			1,097,931				1,062,760
Loan origination costs			660				700
Finance receivables, net, including loan origination costs			1,098,591				1,063,460

Change In Finance Receivables Net [Table Text Block]

		Years Ended April 30,
(In thousands)		2024				2023				2022
Balance at beginning of period		$	1,062,760			$	855,424			$	626,077
Finance receivable originations			1,079,946				1,161,132				1,009,859
Finance receivable collections			(455,828	)			(434,458	)			(417,796	)
Provision for credit losses			(423,406	)			(352,860	)			(238,054	)
Losses on claims for accident protection plan			(34,504	)			(25,107	)			(21,871	)
Inventory acquired in repossession and accident protection plan claims			(131,037	)			(141,371	)			(102,791	)
Balance at end of period		$	1,097,931			$	1,062,760			$	855,424

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

		Years Ended April 30,
(In thousands)		2024				2023				2022
Balance at beginning of period		$	299,608			$	237,823			$	177,267
Provision for credit losses			423,406				352,860				238,054
Charge-offs			(525,634	)			(414,397	)			(260,039	)
Recovered collateral			133,880				123,322				82,541
Balance at end of period		$	331,260			$	299,608			$	237,823

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)		April 30, 2024								April 30, 2023
		Principal				Percent of				Principal				Percent of
		Balance				Portfolio				Balance				Portfolio
Current		$	1,125,945				78.44	%		$	1,166,860				84.96	%
3 - 29 days past due			264,491				18.43	%			156,943				11.43	%
30 - 60 days past due			34,042				2.37	%			37,214				2.71	%
61 - 90 days past due			6,438				0.45	%			8,407				0.61	%
> 90 days past due			4,472				0.31	%			3,948				0.29	%
Total		$	1,435,388				100.00	%		$	1,373,372				100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Twelve Months Ended April 30,
		2024				2023
Average total collected per active customer per month		$	554			$	534
Principal collected as a percent of average finance receivables			31.7	%			34.7	%
Average down-payment percentage			5.4	%			5.4	%
Average originating contract term (in months)			44.0				42.9

		April 30, 2024				April 30, 2023
Portfolio weighted average contract term, including modifications (in months)			47.9				46.3

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

			Customer Score by Fiscal Year of Origination
																							Prior to
(Dollars in thousands)			2024				2023				2022				2021				2020				2020				Total				%
1-2			$	43,445			$	13,757			$	3,668			$	375			$	95			$	6			$	61,346				4.3	%
3-4				300,323				117,904				36,349				4,552				325				158				459,611				32.0	%
5-6				485,535				291,198				116,611				19,452				1,216				419				914,431				63.7	%
Total			$	829,303			$	422,859			$	156,628			$	24,379			$	1,636			$	583			$	1,435,388				100.0	%
Gross charge-offs			$	155,385			$	265,609			$	88,160			$	14,835			$	1,081			$	564			$	525,634

			Customer Score by Fiscal Year of Origination
																							Prior to
(Dollars in thousands)			2023				2022				2021				2020				2019				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	%

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