Note C - Finance Receivables, Net (Tables)

3 Months Ended

Jul. 31, 2022

Notes Tables

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

(In thousands)	July 31, 2022			April 30, 2022
Gross contract amount	$	1,490,047		$	1,378,803
Less unearned finance charges		(304,771	)		(277,306	)
Principal balance		1,185,276			1,101,497
Less allowance for credit losses		(265,818	)		(247,207	)
Finance receivables, net	$	919,458		$	854,290

Change In Finance Receivables Net [Table Text Block]

	Three Months Ended July 31,
(In thousands)	2022			2021
Balance at beginning of period	$	854,290		$	625,119
Finance receivable originations		287,416			234,893
Finance receivable collections		(103,879	)		(97,342	)
Provision for credit losses		(82,903	)		(54,108	)
Losses on claims for accident protection plan		(6,108	)		(4,518	)
Inventory acquired in repossession and accident protection plan claims		(29,358	)		(15,451	)
Balance at end of period	$	919,458		$	688,593

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

	Three Months Ended July 31,
(In thousands)	2022			2021
Balance at beginning of period	$	247,207		$	184,418
Provision for credit losses		82,903			54,108
Charge-offs, net of recovered collateral		(64,292	)		(36,652	)
Balance at end of period	$	265,818		$	201,874

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	July 31, 2022					April 30, 2022					July 31, 2021
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	990,391		83.56	%	$	958,808		87.05	%	$	767,375		86.18	%
3 - 29 days past due		151,953		12.82	%		109,873		9.97	%		93,712		10.53	%
30 - 60 days past due		33,576		2.83	%		22,477		2.04	%		19,328		2.17	%
61 - 90 days past due		6,675		0.56	%		7,360		0.67	%		6,096		0.68	%
> 90 days past due		2,681		0.23	%		2,979		0.27	%		3,956		0.44	%
Total	$	1,185,276		100.00	%	$	1,101,497		100.00	%	$	890,467		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Three Months Ended July 31,
	2022			2021
Average total collected per active customer per month	$	516		$	487
Principal collected as a percent of average finance receivables		9.1	%		11.5	%
Average down-payment percentage		5.4	%		6.9	%
Average originating contract term (in months)		42.8			38.8

	July 31, 2022		July 31, 2021
Portfolio weighted average contract term, including modifications (in months)		44.0		38.7

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

	As of July 31, 2022
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2023		2022		2021		2020		2019		2019		Total		%
1-2	$	13,884	$	28,789	$	8,207	$	1,283	$	51	$	-	$	52,214		4.4	%
3-4	$	95,459	$	208,770	$	64,427	$	8,036	$	313	$	21	$	377,026		31.8	%
5-6	$	176,849	$	420,932	$	139,152	$	18,122	$	939	$	42	$	756,036		63.8	%
Total	$	286,192	$	658,491	$	211,786	$	27,441	$	1,303	$	63	$	1,185,276		100.0	%

	As of July 31, 2021
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2022		2021		2020		2019		2018		2018		Total		%
1-2	$	13,031	$	27,001	$	8,695	$	697	$	35	$	-	$	49,459		5.6	%
3-4	$	79,135	$	176,149	$	48,573	$	4,551	$	201	$	23	$	308,632		34.7	%
5-6	$	137,320	$	299,843	$	83,001	$	11,155	$	977	$	80	$	532,376		59.7	%
Total	$	229,486	$	502,993	$	140,269	$	16,403	$	1,213	$	103	$	890,467		100.0	%