Note C - Finance Receivables, Net (Tables)

6 Months Ended

Oct. 31, 2022

Notes Tables

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

(In thousands)	October 31, 2022			April 30, 2022
Gross contract amount	$	1,584,745		$	1,378,803
Less unearned finance charges		(325,096	)		(277,306	)
Principal balance		1,259,649			1,101,497
Less allowance for credit losses		(272,730	)		(237,823	)
Finance receivables, net	$	986,919		$	863,674

Change In Finance Receivables Net [Table Text Block]

	Six Months Ended October 31,
(In thousands)	2022			2021
Balance at beginning of period	$	863,674		$	632,270
Finance receivable originations		580,838			476,580
Finance receivable collections		(206,358	)		(194,546	)
Provision for credit losses		(165,068	)		(106,341	)
Losses on claims for accident protection plan		(11,232	)		(10,012	)
Inventory acquired in repossession and accident protection plan claims		(74,935	)		(33,881	)
Balance at end of period	$	986,919		$	764,070

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

	Six Months Ended October 31,
(In thousands)	2022			2021
Balance at beginning of period	$	237,823		$	177,267
Provision for credit losses		165,068			106,341
Charge-offs, net of recovered collateral and deferred ancillary product revenue		(130,161	)		(74,651	)
Balance at end of period	$	272,730		$	208,957

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	October 31, 2022					April 30, 2022					October 31, 2021
	Principal		Percent of			Principal		Percent of			Principal		Percent of
	Balance		Portfolio			Balance		Portfolio			Balance		Portfolio
Current	$	1,028,291		81.63	%	$	958,808		87.05	%	$	819,314		84.78	%
3 - 29 days past due		185,434		14.72	%		109,873		9.97	%		108,563		11.23	%
30 - 60 days past due		35,258		2.80	%		22,477		2.04	%		24,499		2.53	%
61 - 90 days past due		7,151		0.57	%		7,360		0.67	%		7,509		0.78	%
> 90 days past due		3,515		0.28	%		2,979		0.27	%		6,540		0.68	%
Total	$	1,259,649		100.00	%	$	1,101,497		100.00	%	$	966,425		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Six Months Ended October 31,
	2022			2021
Average total collected per active customer per month	$	515		$	486
Principal collected as a percent of average finance receivables		17.4	%		21.9	%
Average down-payment percentage		5.2	%		6.4	%
Average originating contract term (in months)		42.5			39.7

	October 31, 2022		October 31, 2021
Portfolio weighted average contract term, including modifications (in months)		44.8		40.0

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

	As of October 31, 2022
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2023		2022		2021		2020		2019		2019		Total		%
1-2	$	23,888	$	22,264	$	5,838	$	741	$	12	$	-	$	52,743		4.2	%
3-4	$	174,553	$	167,298	$	48,272	$	4,422	$	157	$	9	$	394,711		31.3	%
5-6	$	329,882	$	359,342	$	110,775	$	11,677	$	505	$	14	$	812,195		64.5	%
Total	$	528,323	$	548,904	$	164,885	$	16,840	$	674	$	23	$	1,259,649		100.0	%

	As of October 31, 2021
(Dollars in thousands)	Fiscal Year of Origination										Prior to
Customer Rating	2022		2021		2020		2019		2018		2018		Total		%
1-2	$	24,599	$	21,147	$	6,009	$	342	$	17	$	-	$	52,114		5.4	%
3-4	$	150,049	$	141,371	$	34,291	$	2,361	$	100	$	32	$	328,204		34.0	%
5-6	$	263,270	$	255,285	$	60,690	$	6,343	$	477	$	42	$	586,107		60.6	%
Total	$	437,918	$	417,803	$	100,990	$	9,046	$	594	$	74	$	966,425		100.0	%