Note C - Finance Receivables, Net (Tables)

6 Months Ended

Oct. 31, 2019

Notes Tables

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

(In thousands)	October 31, 2019			April 30, 2019
Gross contract amount	$	682,176		$	631,681
Less unearned finance charges		(95,089	)		(88,353	)
Principal balance		587,087			543,328
Less allowance for credit losses		(135,481	)		(127,842	)
Finance receivables, net	$	451,606		$	415,486

Change In Finance Receivables Net [Table Text Block]

	Six Months Ended October 31,
(In thousands)	2019			2018
Balance at beginning of period	$	415,486		$	383,617
Finance receivable originations		293,174			269,883
Finance receivable collections		(151,075	)		(135,471	)
Provision for credit losses		(72,652	)		(76,064	)
Losses on claims for payment protection plan		(8,359	)		(7,903	)
Inventory acquired in repossession and payment protection plan claims		(24,968	)		(24,348	)
Balance at end of period	$	451,606		$	409,714

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

	Six Months Ended October 31,
(In thousands)	2019			2018
Balance at beginning of period	$	127,842		$	117,821
Provision for credit losses		72,652			76,064
Charge-offs, net of recovered collateral		(65,013	)		(67,757	)
Balance at end of period	$	135,481		$	126,128

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	October 31, 2019					April 30, 2019					October 31, 2018
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	478,136		81.44	%	$	435,603		80.17	%	$	426,905		79.67	%
3 - 29 days past due		88,606		15.09	%		91,747		16.89	%		90,726		16.93	%
30 - 60 days past due		14,267		2.43	%		11,362		2.09	%		14,015		2.62	%
61 - 90 days past due		3,852		0.66	%		3,429		0.63	%		2,684		0.50	%
> 90 days past due		2,226		0.38	%		1,187		0.22	%		1,512		0.28	%
Total	$	587,087		100.00	%	$	543,328		100.00	%	$	535,842		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Six Months Ended October 31,
	2019			2018
Principal collected as a percent of average finance receivables		26.8	%		26.0	%
Average down-payment percentage		6.2	%		6.0	%
Average originating contract term (in months )		30.2			29.5

Financing Receivable Contract Terms [Table Text Block]

	October 31, 2019		October 31, 2018
Portfolio weighted average contract term, including modifications (in months )		32.3		32.1