Note C - Finance Receivables, Net (Tables)

9 Months Ended

Jan. 31, 2019

Notes Tables

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

(In thousands)	January 31, 2019			April 30, 2018
Gross contract amount	$	627,322		$	584,682
Less unearned finance charges		(84,429	)		(83,244	)
Principal balance		542,893			501,438
Less allowance for credit losses		(127,980	)		(117,821	)
Finance receivables, net	$	414,913		$	383,617

Change In Finance Receivables Net [Table Text Block]

	Nine Months Ended January 31,
(In thousands)	2019			2018
Balance at beginning of period	$	383,617		$	357,161
Finance receivable originations		399,089			356,489
Finance receivable collections		(206,620	)		(180,137	)
Provision for credit losses		(111,619	)		(110,778	)
Losses on claims for payment protection plan		(12,148	)		(12,039	)
Inventory acquired in repossession and payment protection plan claims		(37,406	)		(30,312	)
Balance at end of period	$	414,913		$	380,384

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

	Nine Months Ended January 31,
(In thousands)	2019			2018
Balance at beginning of period	$	117,821		$	109,693
Provision for credit losses		111,619			110,778
Charge-offs, net of recovered collateral		(101,460	)		(103,203	)
Balance at end of period	$	127,980		$	117,268

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	January 31, 2019					April 30, 2018					January 31, 2018
	Principal Balance		Percent of Portfolio			Principal Balance		Percent of Portfolio			Principal Balance		Percent of Portfolio
Current	$	450,931		83.05	%	$	424,511		84.67	%	$	394,614		79.30	%
3 - 29 days past due		74,788		13.78	%		59,544		11.87	%		82,679		16.61	%
30 - 60 days past due		12,062		2.22	%		12,448		2.48	%		14,918		3.00	%
61 - 90 days past due		3,619		0.67	%		3,331		0.66	%		3,792		0.76	%
> 90 days past due		1,493		0.28	%		1,604		0.32	%		1,649		0.33	%
Total	$	542,893		100.00	%	$	501,438		100.00	%	$	497,652		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Nine Months Ended January 31,
	2019			2018
Principal collected as a percent of average finance receivables		39.2	%		37.2	%
Average down-payment percentage		5.8	%		5.8	%
Average originating contract term (in months )		29.4			29.5

Financing Receivable Contract Terms [Table Text Block]

	January 31, 2019		January 31, 2018
Portfolio weighted average contract term, including modifications (in months )		32.0		32.4