Note C - Finance Receivables, Net (Tables)

3 Months Ended

Jul. 31, 2019

Notes Tables

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

(In thousands)	July 31, 2019			April 30, 2019
Gross contract amount	$	651,677		$	631,681
Less unearned finance charges		(90,573	)		(88,353	)
Principal balance		561,104			543,328
Less allowance for credit losses		(129,494	)		(127,842	)
Finance receivables, net	$	431,610		$	415,486

Change In Finance Receivables Net [Table Text Block]

	Three Months Ended July 31,
(In thousands)	2019			2018
Balance at beginning of period	$	415,486		$	383,617
Finance receivable originations		137,855			134,261
Finance receivable collections		(74,355	)		(66,740	)
Provision for credit losses		(31,475	)		(37,543	)
Losses on claims for payment protection plan		(4,230	)		(4,069	)
Inventory acquired in repossession and payment protection plan claims		(11,671	)		(11,153	)
Balance at end of period	$	431,610		$	398,373

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

	Three Months Ended July 31,
(In thousands)	2019			2018
Balance at beginning of period	$	127,842		$	117,821
Provision for credit losses		31,475			37,543
Charge-offs, net of recovered collateral		(29,823	)		(32,917	)
Balance at end of period	$	129,494		$	122,447

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	July 31, 2019					April 30, 2019					July 31, 2018
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	445,461		79.39	%	$	435,603		80.17	%	$	408,354		78.40	%
3 - 29 days past due		94,254		16.80	%		91,747		16.89	%		94,042		18.06	%
30 - 60 days past due		15,891		2.83	%		11,362		2.09	%		14,377		2.76	%
61 - 90 days past due		3,533		0.63	%		3,429		0.63	%		2,493		0.48	%
> 90 days past due		1,965		0.35	%		1,187		0.22	%		1,554		0.30	%
Total	$	561,104		100.00	%	$	543,328		100.00	%	$	520,820		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Three Months Ended July 31,
	2019			2018
Principal collected as a percent of average finance receivables		13.5	%		13.1	%
Average down-payment percentage		6.5	%		6.1	%
Average originating contract term (in months )		29.9			29.7

Financing Receivable Contract Terms [Table Text Block]

	July 31, 2019		July 31, 2018
Portfolio weighted average contract term, including modifications (in months )		32.1		32.4