Note C - Finance Receivables, Net (Tables)

9 Months Ended

Jan. 31, 2017

Notes Tables

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

(In thousands)	January 31, 2017			April 30, 2016
Gross contract amount	$	549,329		$	504,149
Less unearned finance charges		(73,975	)		(66,871	)
Principal balance		475,354			437,278
Less allowance for credit losses		(111,818	)		(102,485	)
Finance receivables, net	$	363,536		$	334,793

Change In Finance Receivables Net [Table Text Block]

	Nine Months Ended January 31,
(In thousands)	2017			2016
Balance at beginning of period	$	334,793		$	324,144
Finance receivable originations		356,776			336,508
Finance receivable collections		(175,696	)		(173,949	)
Provision for credit losses		(110,467	)		(106,225	)
Losses on claims for payment protection plan		(11,260	)		(9,815	)
Inventory acquired in repossession and payment protection plan claims		(30,610	)		(31,594	)
Balance at end of period	$	363,536		$	339,069

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Nine Months Ended January 31,
(In thousands)	2017			2016
Balance at beginning of period	$	102,485		$	93,224
Provision for credit losses		110,467			106,225
Charge-offs, net of recovered collateral		(101,134	)		(95,221	)
Balance at end of period	$	111,818		$	104,228

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	January 31, 2017					April 30, 2016					January 31, 2016
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	371,078		78.06	%	$	378,631		86.59	%	$	364,453		82.22	%
3 - 29 days past due		81,887		17.23	%		45,631		10.43	%		56,835		12.82	%
30 - 60 days past due		15,957		3.36	%		8,429		1.93	%		15,087		3.40	%
61 - 90 days past due		4,395		0.92	%		3,498		0.80	%		4,790		1.08	%
> 90 days past due		2,037		0.43	%		1,089		0.25	%		2,131		0.48	%
Total	$	475,354		100.00	%	$	437,278		100.00	%	$	443,296		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Nine Months Ended January 31,
	2017			2016
Principal collected as a percent of average finance receivables		37.9	%		40.6	%
Average down-payment percentage		5.3	%		6.1	%
Average originating contract term (in months )		29.3			28.6

Financing Receivable Contract Terms [Table Text Block]

	2017		2016
Portfolio weighted average contract term, including modifications (in months )		31.9		30.9