Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2017

Notes Tables

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

(In thousands)	April 30, 2017			April 30, 2016
Gross contract amount	$	545,916		$	504,149
Less unearned finance charges		(79,062	)		(66,871	)
Principal balance		466,854			437,278
Less allowance for credit losses		(109,693	)		(102,485	)
Finance receivables, net	$	357,161		$	334,793

Change In Finance Receivables Net [Table Text Block]

	Years Ended April 30,
(In thousands)	2017			2016			2015
Balance at beginning of period	$	334,793		$	324,144		$	293,299
Finance receivable originations		479,099			460,499			445,405
Finance receivable collections		(249,264	)		(248,166	)		(238,845	)
Provision for credit losses		(149,097	)		(144,397	)		(120,289	)
Losses on claims for payment protection plan		(15,627	)		(13,521	)		(10,588	)
Inventory acquired in repossession and payment protection plan claims		(42,743	)		(43,766	)		(44,838	)
Balance at end of period	$	357,161		$	334,793		$	324,144

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

	Years Ended April 30,
(In thousands)	2017			2016			2015
Balance at beginning of period	$	102,485		$	93,224		$	86,033
Provision for credit losses		149,097			144,397			120,289
Charge-offs, net of recovered collateral		(141,889	)		(135,136	)		(113,098	)
Balance at end of period	$	109,693		$	102,485		$	93,224

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	April 30, 2017					April 30, 2016
	Principal Balance		Percent of  Portfolio			Principal Balance		Percent of  Portfolio
Current	$	397,341		85.12	%	$	378,631		86.59	%
3 - 29 days past due		52,869		11.32	%		45,631		10.43	%
30 - 60 days past due		11,658		2.50	%		8,429		1.93	%
61 - 90 days past due		3,516		0.75	%		3,498		0.80	%
> 90 days past due		1,470		0.31	%		1,089		0.25	%
Total	$	466,854		100.00	%	$	437,278		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Twelve Months Ended April 30,
	2017			2016
Principal collected as a percent of average finance receivables		53.6	%		57.5	%
Average down-payment percentage		6.0	%		6.7	%

Financing Receivable Contract Terms [Table Text Block]

	April 30, 2017		April 30, 2016
Average originating contract term (in months )		29.5		28.9
Portfolio weighted average contract term, including modifications (in months )		32.5		31.6