Note C - Finance Receivables, Net (Tables)

12 Months Ended

Apr. 30, 2022

Notes Tables

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

(In thousands)	April 30, 2022			April 30, 2021
Gross contract amount	$	1,378,803		$	980,757
Less unearned finance charges		(277,306	)		(171,220	)
Principal balance		1,101,497			809,537
Less allowance for credit losses		(247,207	)		(184,418	)
Finance receivables, net	$	854,290		$	625,119

Change In Finance Receivables Net [Table Text Block]

	Years Ended April 30,
(In thousands)	2022			2021			2020
Balance at beginning of period	$	625,119		$	466,141		$	415,486
Finance receivable originations		1,009,859			762,716			604,497
Finance receivable collections		(417,796	)		(370,254	)		(322,180	)
Provision for credit losses		(257,101	)		(163,662	)		(162,246	)
Losses on claims for accident protection plan		(21,871	)		(18,954	)		(17,966	)
Inventory acquired in repossession and accident protection plan claims		(83,920	)		(50,868	)		(51,450	)
Balance at end of period	$	854,290		$	625,119		$	466,141

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

	Years Ended April 30,
(In thousands)	2022			2021			2020
Balance at beginning of period	$	184,418		$	155,041		$	127,842
Provision for credit losses		257,101			163,662			162,246
Charge-offs, net of recovered collateral		(194,312	)		(134,285	)		(135,047	)
Balance at end of period	$	247,207		$	184,418		$	155,041

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	April 30, 2022					April 30, 2021
	Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio
Current	$	958,808		87.05	%	$	717,520		88.64	%
3 - 29 days past due		109,873		9.97	%		71,269		8.80	%
30 - 60 days past due		22,477		2.04	%		13,058		1.61	%
61 - 90 days past due		7,360		0.67	%		5,551		0.69	%
> 90 days past due		2,979		0.27	%		2,139		0.26	%
Total	$	1,101,497		100.00	%	$	809,537		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Twelve Months Ended April 30,
	2022			2021
Average total collected per active customer per month	$	513		$	478
Principal collected as a percent of average finance receivables		43.5	%		53.2	%
Average down-payment percentage		6.4	%		7.1	%
Average originating contract term (in months)		40.2			34.6
	April 30, 2022			April 30, 2021
Portfolio weighted average contract term, including modifications (in months)		42.9			37.3

Schedule of Financing Receivable by Fiscal Year of Origination [Table Text Block]

	Customer Score by Fiscal Year of Origination
											Prior to
(Dollars in thousands)	2022		2021		2020		2019		2018		2018		Total		%
1-2	$	37,916	$	11,493	$	2,221	$	77	$	-	$	2	$	51,709		4.7	%
3-4		260,298		84,118		13,537		587		14		15		358,569		32.5	%
5-6		488,257		172,843		28,193		1,803		115		8		691,219		62.8	%
Total	$	786,471	$	268,454	$	43,951	$	2,467	$	129	$	25	$	1,101,497		100.0	%

	Customer Score by Fiscal Year of Origination
											Prior to
(Dollars in thousands)	2021		2020		2019		2018		2017		2017		Total		%
1-2	$	32,946	$	11,967	$	1,229	$	63	$	8	$	-	$	46,213		5.7	%
3-4		211,939		66,524		8,299		491		26		8		287,287		35.5	%
5-6		346,461		108,576		19,006		1,868		121		5		476,037		58.8	%
Total	$	591,346	$	187,067	$	28,534	$	2,422	$	155	$	13	$	809,537		100.0	%