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Americas Carmart Inc. – ‘10-Q’ for 10/31/20 – ‘XML’

On: Friday, 12/4/20, at 3:04pm ET · For: 10/31/20 · Accession #: 1171843-20-8363 · File #: 0-14939

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

12/04/20  Americas Carmart Inc.             10-Q       10/31/20   69:5.8M                                   Globenewswire Inc./FA

Quarterly Report — Form 10-Q
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-Q        Quarterly Report                                    HTML    709K 
 2: EX-31.1     Certification -- §302 - SOA'02                      HTML     24K 
 3: EX-31.2     Certification -- §302 - SOA'02                      HTML     24K 
 4: EX-32.1     Certification -- §906 - SOA'02                      HTML     23K 
11: R1          Document And Entity Information                     HTML     74K 
12: R2          Condensed Consolidated Balance Sheets (Current      HTML    116K 
                Period Unaudited)                                                
13: R3          Condensed Consolidated Balance Sheets (Current      HTML     39K 
                Period Unaudited) (Parentheticals)                               
14: R4          Condensed Consolidated Statements of Operations     HTML     95K 
                (Unaudited)                                                      
15: R5          Condensed Consolidated Statements of Cash Flows     HTML    111K 
                (Unaudited)                                                      
16: R6          Condensed Consolidated Statements of Equity         HTML     82K 
                (Unaudited)                                                      
17: R7          Condensed Consolidated Statements of Equity         HTML     21K 
                (Unaudited) (Parentheticals)                                     
18: R8          Note A - Organization and Business                  HTML     24K 
19: R9          Note B - Summary of Significant Accounting          HTML     90K 
                Policies                                                         
20: R10         Note C - Finance Receivables, Net                   HTML    103K 
21: R11         Note D - Property and Equipment                     HTML     34K 
22: R12         Note E - Accrued Liabilities                        HTML     33K 
23: R13         Note F - Debt Facilities                            HTML     38K 
24: R14         Note G - Fair Value Measurements                    HTML     43K 
25: R15         Note H - Weighted Average Shares Outstanding        HTML     32K 
26: R16         Note I - Stock-based Compensation                   HTML     48K 
27: R17         Note J - Commitments and Contingencies              HTML     34K 
28: R18         Note K - Supplemental Cash Flow Information         HTML     32K 
29: R19         Significant Accounting Policies (Policies)          HTML    134K 
30: R20         Note B - Summary of Significant Accounting          HTML     41K 
                Policies (Tables)                                                
31: R21         Note C - Finance Receivables, Net (Tables)          HTML    105K 
32: R22         Note D - Property and Equipment (Tables)            HTML     33K 
33: R23         Note E - Accrued Liabilities (Tables)               HTML     32K 
34: R24         Note F - Debt Facilities (Tables)                   HTML     33K 
35: R25         Note G - Fair Value Measurements (Tables)           HTML     34K 
36: R26         Note H - Weighted Average Shares Outstanding        HTML     32K 
                (Tables)                                                         
37: R27         Note I - Stock-based Compensation (Tables)          HTML     41K 
38: R28         Note J - Commitments and Contingencies (Tables)     HTML     30K 
39: R29         Note K - Supplemental Cash Flow Information         HTML     31K 
                (Tables)                                                         
40: R30         Note A - Organization and Business (Details         HTML     22K 
                Textual)                                                         
41: R31         Note B - Summary of Significant Accounting          HTML    110K 
                Policies (Details Textual)                                       
42: R32         Note B - Summary of Significant Accounting          HTML     30K 
                Policies - Property and Equipment, Estimated                     
                Useful Lives (Details)                                           
43: R33         Note B - Summary of Significant Accounting          HTML     32K 
                Policies - Sales (Details)                                       
44: R34         Note C - Finance Receivables, Net (Details          HTML     49K 
                Textual)                                                         
45: R35         Note C - Finance Receivables, Net - Components of   HTML     32K 
                Finance Receivables (Details)                                    
46: R36         Note C - Finance Receivables, Net - Changes in      HTML     32K 
                Finance Receivables (Details)                                    
47: R37         Note C - Finance Receivables, Net - Changes in the  HTML     27K 
                Finance Receivables Allowance for Credit Losses                  
                (Details)                                                        
48: R38         Note C - Finance Receivables, Net - Credit Quality  HTML     42K 
                Information for Finance Receivables (Details)                    
49: R39         Note C - Finance Receivables, Net - Finance         HTML     33K 
                Receivable Summarized by Fiscal Year of                          
                Origination (Details)                                            
50: R40         Note C - Finance Receivables, Net - Financing       HTML     24K 
                Receivables Analysis (Details)                                   
51: R41         Note C - Finance Receivables, Net - Average         HTML     21K 
                Financing Receivable Contract Terms (Details)                    
52: R42         Note D - Property and Equipment - Property and      HTML     36K 
                Equipment (Details)                                              
53: R43         Note E - Accrued Liabilities - Accrued Liabilities  HTML     35K 
                (Details)                                                        
54: R44         Note F - Debt Facilities (Details Textual)          HTML     67K 
55: R45         Note F - Debt Facilities - Summary of Debt          HTML     31K 
                Facilities (Details)                                             
56: R46         Note G - Fair Value Measurements (Details Textual)  HTML     26K 
57: R47         Note G - Fair Value Measurements - Fair Value of    HTML     31K 
                Financial Instruments (Details)                                  
58: R48         Note H - Weighted Average Shares Outstanding -      HTML     33K 
                Weighted Average Shares of Common Stock                          
                Outstanding (Details)                                            
59: R49         Note I - Stock-based Compensation (Details          HTML     79K 
                Textual)                                                         
60: R50         Note I - Stock-based Compensation - Stock Option    HTML     24K 
                Plan Comparison (Details)                                        
61: R51         Note I - Stock-based Compensation - Options         HTML     29K 
                Valuation Assumptions (Details)                                  
62: R52         Note I - Stock-based Compensation - Options         HTML     25K 
                Exercised (Details)                                              
63: R53         Note J - Commitments and Contingencies (Details     HTML     33K 
                Textual)                                                         
64: R54         Note J - Commitments and Contingencies - Future     HTML     38K 
                Lease Obligations (Details)                                      
65: R55         Note K - Supplemental Cash Flow Information -       HTML     28K 
                Supplemental Cash Flow Disclosures (Details)                     
67: XML         IDEA XML File -- Filing Summary                      XML    128K 
10: XML         XBRL Instance -- crmt20201031_10q_htm                XML   1.24M 
66: EXCEL       IDEA Workbook of Financial Reports                  XLSX     75K 
 6: EX-101.CAL  XBRL Calculations -- crmt-20201031_cal               XML    127K 
 7: EX-101.DEF  XBRL Definitions -- crmt-20201031_def                XML   1.02M 
 8: EX-101.LAB  XBRL Labels -- crmt-20201031_lab                     XML    927K 
 9: EX-101.PRE  XBRL Presentations -- crmt-20201031_pre              XML   1.05M 
 5: EX-101.SCH  XBRL Schema -- crmt-20201031                         XSD    184K 
68: JSON        XBRL Instance as JSON Data -- MetaLinks              312±   490K 
69: ZIP         XBRL Zipped Folder -- 0001171843-20-008363-xbrl      Zip    162K

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<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771251" unitRef="USD"> 12529000 </us-gaap:IncomeTaxExpenseBenefit>

<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771252" unitRef="USD"> 8398000 </us-gaap:IncomeTaxExpenseBenefit>

<us-gaap:ProfitLoss contextRef="d_2020-08-01_2020-10-31" decimals="-3" id="c67771253" unitRef="USD"> 21196000 </us-gaap:ProfitLoss>

<us-gaap:ProfitLoss contextRef="d_2019-08-01_2019-10-31" decimals="-3" id="c67771254" unitRef="USD"> 13887000 </us-gaap:ProfitLoss>

<us-gaap:ProfitLoss contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771255" unitRef="USD"> 40760000 </us-gaap:ProfitLoss>

<us-gaap:ProfitLoss contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771256" unitRef="USD"> 29398000 </us-gaap:ProfitLoss>

<us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="d_2020-08-01_2020-10-31" decimals="-4" id="c67771257" unitRef="USD"> 10000 </us-gaap:PreferredStockDividendsAndOtherAdjustments>

<us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="d_2019-08-01_2019-10-31" decimals="-4" id="c67771258" unitRef="USD"> 10000 </us-gaap:PreferredStockDividendsAndOtherAdjustments>

<us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771259" unitRef="USD"> 20000 </us-gaap:PreferredStockDividendsAndOtherAdjustments>

<us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771260" unitRef="USD"> 20000 </us-gaap:PreferredStockDividendsAndOtherAdjustments>

<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="d_2020-08-01_2020-10-31" decimals="-3" id="c67771261" unitRef="USD"> 21186000 </us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>

<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="d_2019-08-01_2019-10-31" decimals="-3" id="c67771262" unitRef="USD"> 13877000 </us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>

<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771263" unitRef="USD"> 40740000 </us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>

<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771264" unitRef="USD"> 29378000 </us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>

<us-gaap:EarningsPerShareBasic contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771265" unitRef="USDPerShare"> 3.20 </us-gaap:EarningsPerShareBasic>

<us-gaap:EarningsPerShareBasic contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771266" unitRef="USDPerShare"> 2.10 </us-gaap:EarningsPerShareBasic>

<us-gaap:EarningsPerShareBasic contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771267" unitRef="USDPerShare"> 6.14 </us-gaap:EarningsPerShareBasic>

<us-gaap:EarningsPerShareBasic contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771268" unitRef="USDPerShare"> 4.42 </us-gaap:EarningsPerShareBasic>

<us-gaap:EarningsPerShareDiluted contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771269" unitRef="USDPerShare"> 3.05 </us-gaap:EarningsPerShareDiluted>

<us-gaap:EarningsPerShareDiluted contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771270" unitRef="USDPerShare"> 2.00 </us-gaap:EarningsPerShareDiluted>

<us-gaap:EarningsPerShareDiluted contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771271" unitRef="USDPerShare"> 5.88 </us-gaap:EarningsPerShareDiluted>

<us-gaap:EarningsPerShareDiluted contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771272" unitRef="USDPerShare"> 4.21 </us-gaap:EarningsPerShareDiluted>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771277" unitRef="Share"> 6627780 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771278" unitRef="Share"> 6621562 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771279" unitRef="Share"> 6630112 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771280" unitRef="Share"> 6652922 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771281" unitRef="Share"> 6935707 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771282" unitRef="Share"> 6952667 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771283" unitRef="Share"> 6925651 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771284" unitRef="Share"> 6984709 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:ProfitLoss contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771288" unitRef="USD"> 40760000 </us-gaap:ProfitLoss>

<us-gaap:ProfitLoss contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771289" unitRef="USD"> 29398000 </us-gaap:ProfitLoss>

<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771290" unitRef="USD"> 79946000 </us-gaap:ProvisionForLoanLossesExpensed>

<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771291" unitRef="USD"> 72652000 </us-gaap:ProvisionForLoanLossesExpensed>

<crmt:PaymentProtectionPlanLosses contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771292" unitRef="USD"> 8918000 </crmt:PaymentProtectionPlanLosses>

<crmt:PaymentProtectionPlanLosses contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771293" unitRef="USD"> 8359000 </crmt:PaymentProtectionPlanLosses>

<us-gaap:DepreciationDepletionAndAmortization contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771294" unitRef="USD"> 1866000 </us-gaap:DepreciationDepletionAndAmortization>

<us-gaap:DepreciationDepletionAndAmortization contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771295" unitRef="USD"> 1938000 </us-gaap:DepreciationDepletionAndAmortization>

<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771296" unitRef="USD"> 168000 </us-gaap:AmortizationOfFinancingCostsAndDiscounts>

<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771297" unitRef="USD"> 115000 </us-gaap:AmortizationOfFinancingCostsAndDiscounts>

<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771298" unitRef="USD"> 64000 </us-gaap:GainLossOnSaleOfPropertyPlantEquipment>

<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771299" unitRef="USD"> -39000 </us-gaap:GainLossOnSaleOfPropertyPlantEquipment>

<us-gaap:ShareBasedCompensation contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771300" unitRef="USD"> 3715000 </us-gaap:ShareBasedCompensation>

<us-gaap:ShareBasedCompensation contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771301" unitRef="USD"> 2212000 </us-gaap:ShareBasedCompensation>

<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771302" unitRef="USD"> 1371000 </us-gaap:DeferredIncomeTaxExpenseBenefit>

<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771303" unitRef="USD"> 2023000 </us-gaap:DeferredIncomeTaxExpenseBenefit>

<crmt:ExcessTaxBenefitRecordedInIncomeTaxProvision contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771304" unitRef="USD"> 331000 </crmt:ExcessTaxBenefitRecordedInIncomeTaxProvision>

<crmt:ExcessTaxBenefitRecordedInIncomeTaxProvision contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771305" unitRef="USD"> 415000 </crmt:ExcessTaxBenefitRecordedInIncomeTaxProvision>

<crmt:OriginationsOfFinancingReceivables contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771306" unitRef="USD"> 333255000 </crmt:OriginationsOfFinancingReceivables>

<crmt:OriginationsOfFinancingReceivables contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771307" unitRef="USD"> 293174000 </crmt:OriginationsOfFinancingReceivables>

<crmt:ProceedsFromCollectionOfFinanceReceivablesOperatingActivities contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771308" unitRef="USD"> 168348000 </crmt:ProceedsFromCollectionOfFinanceReceivablesOperatingActivities>

<crmt:ProceedsFromCollectionOfFinanceReceivablesOperatingActivities contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771309" unitRef="USD"> 151075000 </crmt:ProceedsFromCollectionOfFinanceReceivablesOperatingActivities>

<us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771310" unitRef="USD"> -455000 </us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>

<us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771311" unitRef="USD"> 380000 </us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>

<us-gaap:IncreaseDecreaseInInventories contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771312" unitRef="USD"> 8640000 </us-gaap:IncreaseDecreaseInInventories>

<us-gaap:IncreaseDecreaseInInventories contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771313" unitRef="USD"> -14348000 </us-gaap:IncreaseDecreaseInInventories>

<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771314" unitRef="USD"> 432000 </us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>

<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771315" unitRef="USD"> 178000 </us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>

<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771316" unitRef="USD"> 7644000 </us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>

<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771317" unitRef="USD"> 647000 </us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>

<us-gaap:IncreaseDecreaseInContractWithCustomerLiability contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-4" id="c67771318" unitRef="USD"> 2360000 </us-gaap:IncreaseDecreaseInContractWithCustomerLiability>

<us-gaap:IncreaseDecreaseInContractWithCustomerLiability contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-3" id="c67771319" unitRef="USD"> 1469000 </us-gaap:IncreaseDecreaseInContractWithCustomerLiability>

<us-gaap:IncreaseDecreaseInContractWithCustomerLiability contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c67771320" unitRef="USD"> 1595000 </us-gaap:IncreaseDecreaseInContractWithCustomerLiability>

<us-gaap:IncreaseDecreaseInContractWithCustomerLiability contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c67771321" unitRef="USD"> 673000 </us-gaap:IncreaseDecreaseInContractWithCustomerLiability>

<us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771322" unitRef="USD"> -4819000 </us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>

<us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771323" unitRef="USD"> -10000 </us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>

<us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771324" unitRef="USD"> -29733000 </us-gaap:NetCashProvidedByUsedInOperatingActivities>

<us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771325" unitRef="USD"> -8379000 </us-gaap:NetCashProvidedByUsedInOperatingActivities>

<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771326" unitRef="USD"> 5043000 </us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>

<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771327" unitRef="USD"> 1661000 </us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>

<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771328" unitRef="USD"> 643000 </us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>

<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771329" unitRef="USD"> 9000 </us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>

<us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="d_2020-05-01_2020-10-31" decimals="-5" id="c67771330" unitRef="USD"> -4400000 </us-gaap:NetCashProvidedByUsedInInvestingActivities>

<us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771331" unitRef="USD"> -1652000 </us-gaap:NetCashProvidedByUsedInInvestingActivities>

<us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771332" unitRef="USD"> 2378000 </us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions>

<us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771333" unitRef="USD"> 865000 </us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions>

<us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771334" unitRef="USD"> 119000 </us-gaap:ProceedsFromIssuanceOfCommonStock>

<us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771335" unitRef="USD"> 90000 </us-gaap:ProceedsFromIssuanceOfCommonStock>

<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771336" unitRef="USD"> 6080000 </us-gaap:PaymentsForRepurchaseOfCommonStock>

<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771337" unitRef="USD"> 14696000 </us-gaap:PaymentsForRepurchaseOfCommonStock>

<us-gaap:PaymentsOfDividends contextRef="d_2020-05-01_2020-10-31" decimals="-4" id="c67771338" unitRef="USD"> 20000 </us-gaap:PaymentsOfDividends>

<us-gaap:PaymentsOfDividends contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771339" unitRef="USD"> 20000 </us-gaap:PaymentsOfDividends>

<us-gaap:ProceedsFromRepaymentsOfBankOverdrafts contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771340" unitRef="USD"> -78000 </us-gaap:ProceedsFromRepaymentsOfBankOverdrafts>

<us-gaap:ProceedsFromRepaymentsOfBankOverdrafts contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771341" unitRef="USD"> 577000 </us-gaap:ProceedsFromRepaymentsOfBankOverdrafts>

<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771342" unitRef="USD"> 51000 </us-gaap:PaymentsOfDebtIssuanceCosts>

<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771343" unitRef="USD"> 435000 </us-gaap:PaymentsOfDebtIssuanceCosts>

<us-gaap:RepaymentsOfDebtAndCapitalLeaseObligations contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771344" unitRef="USD"> 302000 </us-gaap:RepaymentsOfDebtAndCapitalLeaseObligations>

<us-gaap:RepaymentsOfDebtAndCapitalLeaseObligations contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771345" unitRef="USD"> 250000 </us-gaap:RepaymentsOfDebtAndCapitalLeaseObligations>

<us-gaap:ProceedsFromLinesOfCredit contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771346" unitRef="USD"> 3585000 </us-gaap:ProceedsFromLinesOfCredit>

<us-gaap:ProceedsFromLinesOfCredit contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771347" unitRef="USD"> 258040000 </us-gaap:ProceedsFromLinesOfCredit>

<us-gaap:RepaymentsOfLinesOfCredit contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771348" unitRef="USD"> 5445000 </us-gaap:RepaymentsOfLinesOfCredit>

<us-gaap:RepaymentsOfLinesOfCredit contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771349" unitRef="USD"> 233418000 </us-gaap:RepaymentsOfLinesOfCredit>

<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771350" unitRef="USD"> -5894000 </us-gaap:NetCashProvidedByUsedInFinancingActivities>

<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771351" unitRef="USD"> 10753000 </us-gaap:NetCashProvidedByUsedInFinancingActivities>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771352" unitRef="USD"> -40027000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771353" unitRef="USD"> 722000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations contextRef="i_2020-04-30" decimals="-4" id="c67771354" unitRef="USD"> 59560000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations contextRef="i_2019-04-30" decimals="-3" id="c67771355" unitRef="USD"> 1752000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations contextRef="i_2020-10-31" decimals="-3" id="c67771356" unitRef="USD"> 19533000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations>

<us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations contextRef="i_2019-10-31" decimals="-3" id="c67771357" unitRef="USD"> 2474000 </us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations>

<us-gaap:SharesIssued contextRef="i_2020-04-30_StatementEquityComponentsAxis-CommonStockMember" decimals="INF" id="c67771376" unitRef="Share"> 13478733 </us-gaap:SharesIssued>

<us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="i_2020-04-30_StatementEquityComponentsAxis-CommonStockMember" decimals="-3" id="c67771377" unitRef="USD"> 135000 </us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>

<us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="i_2020-04-30_StatementEquityComponentsAxis-AdditionalPaidInCapitalMember" decimals="-3" id="c67771378" unitRef="USD"> 88559000 </us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>

<us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="i_2020-04-30_StatementEquityComponentsAxis-RetainedEarningsMember" decimals="-3" id="c67771379" unitRef="USD"> 460876000 </us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>

<us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="i_2020-04-30_StatementEquityComponentsAxis-TreasuryStockMember" decimals="-3" id="c67771380" unitRef="USD"> -246911000 </us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>

<us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="i_2020-04-30_StatementEquityComponentsAxis-NoncontrollingInterestMember" decimals="-5" id="c67771381" unitRef="USD"> 100000 </us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>

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A – Organization and Business America’s Car-Mart, Inc., a Texas corporation (the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the Company typically include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”). The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional financing as a result of limited credit histories or past credit problems. As of October 31, 2020, the Company operated 150 dealerships located primarily in small cities throughout the South-Central United States.

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B – Summary of Significant Accounting Policies General The accompanying condensed consolidated balance sheet as of April 30, 2020, which has been derived from audited financial statements, and the unaudited interim condensed financial statements as of October 31, 2020 and 2019, have been prepared in accordance with generally accepted accounting principles for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and six months ended October 31, 2020 are not necessarily indicative of the results that may be expected for the year ending April 30, 2021. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended April 30, 2020. Principles of Consolidation The condensed consolidated financial statements include the accounts of America’s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated. Segment Information Each dealership is an operating segment with its results regularly reviewed by the Company’s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company’s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships are similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those estimates. Significant estimates include, but are not limited to, the Company’s allowance for credit losses. Concentration of Risk The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Illinois, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 28% of current period revenues resulting from sales to Arkansas customers. As of October 31, 2020, and periodically throughout the period, the Company maintained cash in financial institutions in excess of the amounts insured by the federal government. The cash is held in several highly rated banking institutions. We regularly monitor our counterparty credit risk and mitigate exposure by limiting the amount we invest in one institution. The Company’s revolving credit facilities mature in September 2022. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity dates. Restrictions on Distributions/Dividends The Company’s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the credit facilities allow the Company to repurchase the Company’s stock so long as either: (a) the aggregate amount of such repurchases after September 30, 2019 does not exceed $50 million, net of proceeds received from the exercise of stock options, and the total availability under the credit facilities is equal to or greater than 20% of the sum of the borrowing bases, in each case after giving effect to such repurchases (repurchases under this item are excluded from fixed charges for covenant calculations), or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, although the Company does routinely repurchase stock, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company’s lenders. Cash Equivalents The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents. Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts carry an average interest rate of approximately 16.5% using the simple effective interest method including any deferred fees. Contract origination costs are not significant. The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($2.6 million at October 31, 2020 and $3.1 million at April 30, 2020 on the Condensed Consolidated Balance Sheets), and as such, have been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables. An account is considered delinquent when the customer is one day or more behind on their contractual payments. While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off is reserved for against the accrued interest on the Condensed Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer, which is the case in most situations, or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 77% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. At October 31, 2020, 2.5% of the Company’s finance receivable balances were 30 days or more past due, compared to 3.5% at October 31, 2019. Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit. The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company’s computer system. The Company also utilizes text messaging notifications which allow customers to elect and receive reminders on their due dates and late notifications, if applicable. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer’s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. No other concessions are granted to customers, beyond the extension of additional time, at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third-party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership or sold for cash on a wholesale basis primarily through physical or online auctions. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivables balance charged-off. For the quarter ended October 31, 2020, on average, accounts were approximately 76 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses. The Company maintains an allowance for credit losses on an aggregate basis at a level it considers sufficient to cover estimated losses inherent in the portfolio over the remaining contractual lives in the collection of its finance receivables currently outstanding. At October 31, 2020, the weighted average total contract term was 34.7 months with 26.0 months remaining. The reserve amount in the allowance for credit losses at October 31, 2020, $173.0 million, was 26.5% of the principal balance in finance receivables of $692.8 million, less unearned payment protection plan revenue of $26.8 million and unearned service contract revenue of $13.2 million. The estimated reserve amount is the Company’s anticipated future net charge-offs for losses incurred over the remaining contractual lives of its finance receivables. The allowance takes into account historical credit loss experience (both timing and severity of losses), with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed, months outstanding at loss date, term and age of portfolio), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is reviewed at least quarterly by management with any changes reflected in current operations. The calculation of the allowance for credit losses uses the following primary factors: <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years. </td></tr> </tbody></table> <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The average net repossession and charge-off loss per unit during the last eighteen months segregated by the number of months since the contract origination date and adjusted for the expected future average net charge-off loss per unit. About 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date for the eighteen-month period ended October 31, 2020 was 13.0 months. </td></tr> </tbody></table> <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months. </td></tr> </tbody></table> A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors, including fluctuations in the fair market value of repossessed vehicles, and macroeconomic factors such as higher unemployment levels, higher gasoline prices or higher prices for staple items, to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio over the remaining contractual lives that will be realized via actual charge-offs in the future. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. While challenging economic conditions can negatively impact credit losses, effective execution of internal policies and procedures within the collections area and the competitive environment on the funding side have historically had a more significant effect on collection results than macro-economic issues. In most states, the Company offers retail customers who finance their vehicle the option of purchasing a debt cancellation agreement (internally referred to as the payment protection plan, or PPP) as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined by the contract, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2020 or April 30, 2020. Inventory Inventory consists of used vehicles and is valued at the lower of cost or net realizable value on a specific identification basis. Vehicle reconditioning costs are capitalized as a component of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost of used vehicles sold is determined using the specific identification method. Goodwill Goodwill reflects the excess of purchase price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite lives are not amortized but are subject to annual impairment tests at the Company’s year-end. The impairment tests are based on the comparison of the fair value of the reporting unit to the carrying value of such unit. There was no impairment of goodwill during fiscal 2020, and to date, there has been no impairment during fiscal 2021. Property and Equipment Property and equipment are stated at cost. Expenditures for additions, remodels, and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed using the straight-line method, generally over the following estimated useful lives: <table cellpadding="0" cellspacing="0" style="font-size: 10pt; width: 61.7%; font-family: "Times New Roman", Times, serif; margin-left: 19.15%; margin-right: 19.15%;"><tbody><tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Furniture, fixtures and equipment </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 3 to 7 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Leasehold improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 5 to 15 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Buildings and improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 18 to 39 years </td></tr> </tbody></table> Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell. Cash Overdraft As checks are presented for payment from the Company’s primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn against one of the revolving credit facilities. Any cash overdraft balance principally represents outstanding checks that as of the balance sheet date had not yet been presented for payment, net of any deposits in transit. Any cash overdraft balance is reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets. Deferred Sales Tax Deferred sales tax represents a sales tax liability of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law for vehicles sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets. Income Taxes Income taxes are accounted for under the liability method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting and tax basis of assets and liabilities and are measured using the enacted tax rates expected to apply in the years in which these differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company’s best estimate of nontaxable and nondeductible items of income and expense. The effective income tax rates were 23.5% and 22.2% for the six months ended October 31, 2020 and October 31, 2019, respectively. Total income tax expense for the six months ended October 31, 2020 differed from amounts computed by applying the United States federal statutory tax rates to pre-tax income primarily due to state income taxes and the impact of permanent differences between book and taxable income. The Company recorded a discrete income tax benefit of approximately $331,000 and $415,000 for the six months ended October 31, 2020 and October 31, 2019, respectively, related to excess tax benefits on share based compensation, which is recorded in the income tax provision pursuant to ASU 2016-09, which was adopted on May 1, 2017. Occasionally, the Company is audited by taxing authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes. The Company recognizes the financial statement benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open. The Company is subject to income taxes in the U.S. federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2017. The Company’s policy is to recognize accrued interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued penalties or interest as of October 31, 2020 or April 30, 2020. Revenue Recognition Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services, and repairs. Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the “Rule of 78’s” interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivables accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off. Sales consist of the following: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Three Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 52%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Sales – used autos </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">172,813</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">145,489</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">314,447</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">274,943</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Wholesales – third party </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">9,283</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">8,245</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">16,232</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,426</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Service contract sales </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,969</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,830</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,843</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,300</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Payment protection plan revenue </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">6,619</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">6,179</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">12,961</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">12,148</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">196,684</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">167,743</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">359,483</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">317,817</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> At October 31, 2020 and 2019, finance receivables more than 90 days past due were approximately $1.6 million and $2.2 million, respectively. Late fee revenues totaled approximately $1.1 million and $980,000 for the six months ended October 31, 2020 and 2019, respectively. Late fees are recognized when collected and are reflected in interest and other income on the Condensed Consolidated Statements of Operations. The amount of revenue recognized for the six months ended October 31, 2020 that was included in the April 30, 2020 deferred service contract revenue was $9.3 million. Earnings per Share Basic earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded. Stock-Based Compensation The Company recognizes the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant over the requisite service period. The Company uses the Black-Scholes option pricing model to determine the fair value of stock option awards. The Company may issue either new shares or treasury shares upon exercise of these awards. Stock-based compensation plans, related expenses, and assumptions used in the Black-Scholes option pricing model are more fully described in Note I. If an award contains a performance condition, expense is recognized only for those shares for which it is considered reasonably probable as of the current period end that the performance condition will be met. The Company accounts for forfeitures as they occur and records any excess tax benefits or deficiencies from its equity awards in its Consolidated Statements of Operations in the reporting period in which the exercise occurs. The Company recorded a discrete income tax benefit of approximately $331,000 and $415,000 for the six months ended October 31, 2020 and October 31, 2019, respectively. As a result, the Company’s income tax expenses and associated effective tax rate will be impacted by fluctuations in stock price between the grant dates and exercise dates of equity awards. Treasury Stock Treasury stock may be used for issuances under the Company’s stock-based compensation plans or for other general corporate purposes. The Company has a reserve account of 10,000 shares of treasury stock to secure outstanding service contracts issued in Iowa in accordance with the regulatory requirements of that state and another reserve account of 14,000 shares of treasury stock for its subsidiary, ACM Insurance Company, in accordance with the requirements of the Arkansas Department of Insurance. Recent Accounting Pronouncements Occasionally, new accounting pronouncements are issued by the FASB or other standard setting bodies which the Company will adopt as of the specified effective date. Unless otherwise discussed, the Company believes the implementation of recently issued standards which are not yet effective will not have a material impact on its consolidated financial statements upon adoption. Adopted in Current Period Credit Losses. In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses (Topic 326). ASU 2016-13 requires financial assets such as loans to be presented net of an allowance for credit losses that reduces the cost basis to the amount expected to be collected over the estimated life. Expected credit losses will be measured based on historical experience and current conditions, as well as forecasts of future conditions that affect the collectability of the reported amount. Our allowance for loan loss calculation was modified to comply with these new requirements and adopted for our fiscal year beginning May 1, 2020. The Company did not incur a material impact to our financial statements as a result of this adoption. Cloud Computing Arrangement. In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40). ASU 2018-15 aligns the requirements for capitalizing implementation costs in a cloud computing arrangement with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. ASU 2018-15 is effective for annual reporting periods beginning after December 15, 2019, and interim reporting periods within those years. The Company did not incur a material impact to our financial statements as a result of this adoption. Effective in Future Periods Reference Rate Reform. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform. The pronouncement provides optional guidance for a limited period of time to ease the potential burden of accounting for reference rate reform. This guidance is effective for all entities as of March 12, 2020 through December 31, 2022. The Company expects to utilize this optional guidance but does not expect the impact to be material.

</us-gaap:SignificantAccountingPoliciesTextBlock>

<us-gaap:ConsolidationPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772146">

</us-gaap:ConsolidationPolicyTextBlock>

<us-gaap:SegmentReportingPolicyPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772147">

Segment Information Each dealership is an operating segment with its results regularly reviewed by the Company’s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company’s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships are similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment.

</us-gaap:SegmentReportingPolicyPolicyTextBlock>

<us-gaap:NumberOfReportableSegments contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771812" unitRef="Pure"> 1 </us-gaap:NumberOfReportableSegments>

<us-gaap:UseOfEstimates contextRef="d_2020-05-01_2020-10-31" id="c67772148">

</us-gaap:UseOfEstimates>

<us-gaap:ConcentrationRiskCreditRisk contextRef="d_2020-05-01_2020-10-31" id="c67772149">

</us-gaap:ConcentrationRiskCreditRisk>

<us-gaap:ConcentrationRiskPercentage1 contextRef="d_2020-05-01_2020-10-31_ConcentrationRiskByBenchmarkAxis-SalesRevenueNetMember_ConcentrationRiskByTypeAxis-CustomerConcentrationRiskMember_StatementGeographicalAxis-ArkansasUSAMember" decimals="2" id="c67771814" unitRef="Pure"> 0.28 </us-gaap:ConcentrationRiskPercentage1>

<crmt:LineOfCreditFacilityDividendRestrictionsPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772150">

Restrictions on Distributions/Dividends The Company’s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the credit facilities allow the Company to repurchase the Company’s stock so long as either: (a) the aggregate amount of such repurchases after September 30, 2019 does not exceed $50 million, net of proceeds received from the exercise of stock options, and the total availability under the credit facilities is equal to or greater than 20% of the sum of the borrowing bases, in each case after giving effect to such repurchases (repurchases under this item are excluded from fixed charges for covenant calculations), or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, although the Company does routinely repurchase stock, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company’s lenders.

</crmt:LineOfCreditFacilityDividendRestrictionsPolicyTextBlock>

<crmt:LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases contextRef="d_2020-05-01_2020-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="-7" id="c67771818" unitRef="USD"> 50000000 </crmt:LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases>

<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases contextRef="d_2020-05-01_2020-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="1" id="c67771819" unitRef="Pure"> 0.20 </crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases>

<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome contextRef="d_2020-05-01_2020-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="2" id="c67771821" unitRef="Pure"> 0.75 </crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome>

<crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable contextRef="d_2020-05-01_2020-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="3" id="c67771823" unitRef="Pure"> 0.125 </crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable>

<us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772151">

Cash Equivalents The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents.

</us-gaap:CashAndCashEquivalentsPolicyTextBlock>

<us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="d_2020-05-01_2020-10-31" id="c67772152">

Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts carry an average interest rate of approximately 16.5% using the simple effective interest method including any deferred fees. Contract origination costs are not significant. The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($2.6 million at October 31, 2020 and $3.1 million at April 30, 2020 on the Condensed Consolidated Balance Sheets), and as such, have been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables. An account is considered delinquent when the customer is one day or more behind on their contractual payments. While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off is reserved for against the accrued interest on the Condensed Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer, which is the case in most situations, or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 77% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. At October 31, 2020, 2.5% of the Company’s finance receivable balances were 30 days or more past due, compared to 3.5% at October 31, 2019. Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit. The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company’s computer system. The Company also utilizes text messaging notifications which allow customers to elect and receive reminders on their due dates and late notifications, if applicable. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer’s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. No other concessions are granted to customers, beyond the extension of additional time, at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third-party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership or sold for cash on a wholesale basis primarily through physical or online auctions. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivables balance charged-off. For the quarter ended October 31, 2020, on average, accounts were approximately 76 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses. The Company maintains an allowance for credit losses on an aggregate basis at a level it considers sufficient to cover estimated losses inherent in the portfolio over the remaining contractual lives in the collection of its finance receivables currently outstanding. At October 31, 2020, the weighted average total contract term was 34.7 months with 26.0 months remaining. The reserve amount in the allowance for credit losses at October 31, 2020, $173.0 million, was 26.5% of the principal balance in finance receivables of $692.8 million, less unearned payment protection plan revenue of $26.8 million and unearned service contract revenue of $13.2 million. The estimated reserve amount is the Company’s anticipated future net charge-offs for losses incurred over the remaining contractual lives of its finance receivables. The allowance takes into account historical credit loss experience (both timing and severity of losses), with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed, months outstanding at loss date, term and age of portfolio), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is reviewed at least quarterly by management with any changes reflected in current operations. The calculation of the allowance for credit losses uses the following primary factors: <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years. </td></tr> </tbody></table> <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The average net repossession and charge-off loss per unit during the last eighteen months segregated by the number of months since the contract origination date and adjusted for the expected future average net charge-off loss per unit. About 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date for the eighteen-month period ended October 31, 2020 was 13.0 months. </td></tr> </tbody></table> <table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:'Times New Roman', Times, serif;font-size:10pt;"><tbody><tr><td style="width:18pt;"> </td><td style="width:18pt;vertical-align:top;"> ● </td><td style="vertical-align:top;"> The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months. </td></tr> </tbody></table> A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors, including fluctuations in the fair market value of repossessed vehicles, and macroeconomic factors such as higher unemployment levels, higher gasoline prices or higher prices for staple items, to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio over the remaining contractual lives that will be realized via actual charge-offs in the future. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. While challenging economic conditions can negatively impact credit losses, effective execution of internal policies and procedures within the collections area and the competitive environment on the funding side have historically had a more significant effect on collection results than macro-economic issues. In most states, the Company offers retail customers who finance their vehicle the option of purchasing a debt cancellation agreement (internally referred to as the payment protection plan, or PPP) as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined by the contract, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2020 or April 30, 2020.

</us-gaap:FinanceLoansAndLeasesReceivablePolicy>

<crmt:AverageFinanceReceivableInterestRate contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771825" unitRef="Pure"> 0.165 </crmt:AverageFinanceReceivableInterestRate>

<us-gaap:InterestReceivable contextRef="i_2020-10-31" decimals="-5" id="c67771828" unitRef="USD"> 2600000 </us-gaap:InterestReceivable>

<us-gaap:InterestReceivable contextRef="i_2020-04-30" decimals="-5" id="c67771829" unitRef="USD"> 3100000 </us-gaap:InterestReceivable>

<crmt:FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage contextRef="d_2020-05-01_2020-10-31" decimals="2" id="c67771832" unitRef="Pure"> 0.77 </crmt:FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage>

<crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio contextRef="i_2020-10-31" decimals="3" id="c67771833" unitRef="Pure"> 0.025 </crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio contextRef="i_2019-10-31" decimals="3" id="c67771835" unitRef="Pure"> 0.035 </crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableWeightedAverageTotalContractTerm contextRef="d_2020-05-01_2020-10-31" id="c67771844"> P34M21D </crmt:FinancingReceivableWeightedAverageTotalContractTerm>

<crmt:FinancingReceivableRemainingContractTerm contextRef="d_2020-05-01_2020-10-31" id="c67771845"> P26M </crmt:FinancingReceivableRemainingContractTerm>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2020-10-31" decimals="-6" id="c67771846" unitRef="USD"> 173000000.0 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance contextRef="i_2020-10-31" decimals="3" id="c67771847" unitRef="Pure"> 0.265 </crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31" decimals="-5" id="c67771848" unitRef="USD"> 692800000 </crmt:FinanceReceivablePrincipalBalance>

<us-gaap:ContractWithCustomerLiability contextRef="i_2020-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-5" id="c67771849" unitRef="USD"> 26800000 </us-gaap:ContractWithCustomerLiability>

<us-gaap:ContractWithCustomerLiability contextRef="i_2020-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-5" id="c67771850" unitRef="USD"> 13200000 </us-gaap:ContractWithCustomerLiability>

<crmt:PercentOfChargeoffsInTheFirst10To11MonthsOfAContract contextRef="i_2020-10-31" decimals="1" id="c67771854" unitRef="Pure"> 0.50 </crmt:PercentOfChargeoffsInTheFirst10To11MonthsOfAContract>

<crmt:AverageAgeOfAccountAtChargeOffDate contextRef="d_2019-05-01_2020-10-31" id="c67771858"> P13M </crmt:AverageAgeOfAccountAtChargeOffDate>

<us-gaap:InventoryPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772153">

</us-gaap:InventoryPolicyTextBlock>

<us-gaap:GoodwillAndIntangibleAssetsGoodwillPolicy contextRef="d_2020-05-01_2020-10-31" id="c67772154">

Goodwill Goodwill reflects the excess of purchase price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite lives are not amortized but are subject to annual impairment tests at the Company’s year-end. The impairment tests are based on the comparison of the fair value of the reporting unit to the carrying value of such unit. There was no impairment of goodwill during fiscal 2020, and to date, there has been no impairment during fiscal 2021.

</us-gaap:GoodwillAndIntangibleAssetsGoodwillPolicy>

<us-gaap:GoodwillImpairmentLoss contextRef="d_2019-05-01_2020-04-30" decimals="-3" id="c67771864" unitRef="USD"> 0 </us-gaap:GoodwillImpairmentLoss>

<us-gaap:GoodwillImpairmentLoss contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771866" unitRef="USD"> 0 </us-gaap:GoodwillImpairmentLoss>

<us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772155">

Property and Equipment Property and equipment are stated at cost. Expenditures for additions, remodels, and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed using the straight-line method, generally over the following estimated useful lives: <table cellpadding="0" cellspacing="0" style="font-size: 10pt; width: 61.7%; font-family: "Times New Roman", Times, serif; margin-left: 19.15%; margin-right: 19.15%;"><tbody><tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Furniture, fixtures and equipment </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 3 to 7 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Leasehold improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 5 to 15 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Buildings and improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 18 to 39 years </td></tr> </tbody></table> Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.

</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>

<crmt:PropertyPlantAndEquipmentUsefulLifeTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711461">

<table cellpadding="0" cellspacing="0" style="font-size: 10pt; width: 61.7%; font-family: "Times New Roman", Times, serif; margin-left: 19.15%; margin-right: 19.15%;"><tbody><tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Furniture, fixtures and equipment </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 3 to 7 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Leasehold improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 5 to 15 years </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 57.1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Buildings and improvements </td><td style="vertical-align: top; width: 42.9%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 18 to 39 years </td></tr> </tbody></table>

</crmt:PropertyPlantAndEquipmentUsefulLifeTableTextBlock>

<crmt:CashOverdraftPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772156">

</crmt:CashOverdraftPolicyTextBlock>

<crmt:DeferredSalesTaxPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772157">

</crmt:DeferredSalesTaxPolicyTextBlock>

<us-gaap:IncomeTaxPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772158">

</us-gaap:IncomeTaxPolicyTextBlock>

<us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771871" unitRef="Pure"> 0.235 </us-gaap:EffectiveIncomeTaxRateContinuingOperations>

<us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="d_2019-05-01_2019-10-31" decimals="3" id="c67771872" unitRef="Pure"> 0.222 </us-gaap:EffectiveIncomeTaxRateContinuingOperations>

<us-gaap:TaxAdjustmentsSettlementsAndUnusualProvisions contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771875" unitRef="USD"> -331000 </us-gaap:TaxAdjustmentsSettlementsAndUnusualProvisions>

<us-gaap:TaxAdjustmentsSettlementsAndUnusualProvisions contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771876" unitRef="USD"> -415000 </us-gaap:TaxAdjustmentsSettlementsAndUnusualProvisions>

<us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued contextRef="i_2020-10-31" decimals="-3" id="c67771886" unitRef="USD"> 0 </us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued>

<us-gaap:RevenueRecognitionPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772159">

Revenue Recognition Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services, and repairs. Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the “Rule of 78’s” interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivables accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off. Sales consist of the following: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Three Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 52%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Sales – used autos </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">172,813</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">145,489</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">314,447</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">274,943</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Wholesales – third party </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">9,283</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">8,245</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">16,232</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,426</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Service contract sales </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,969</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,830</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,843</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,300</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Payment protection plan revenue </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">6,619</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">6,179</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">12,961</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">12,148</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">196,684</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">167,743</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">359,483</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">317,817</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> At October 31, 2020 and 2019, finance receivables more than 90 days past due were approximately $1.6 million and $2.2 million, respectively. Late fee revenues totaled approximately $1.1 million and $980,000 for the six months ended October 31, 2020 and 2019, respectively. Late fees are recognized when collected and are reflected in interest and other income on the Condensed Consolidated Statements of Operations. The amount of revenue recognized for the six months ended October 31, 2020 that was included in the April 30, 2020 deferred service contract revenue was $9.3 million.

</us-gaap:RevenueRecognitionPolicyTextBlock>

<us-gaap:ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711462">

</us-gaap:ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-08-01_2020-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c67771596" unitRef="USD"> 172813000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-08-01_2019-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c67771597" unitRef="USD"> 145489000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c67771598" unitRef="USD"> 314447000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c67771599" unitRef="USD"> 274943000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-08-01_2020-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c67771600" unitRef="USD"> 9283000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-08-01_2019-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c67771601" unitRef="USD"> 8245000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c67771602" unitRef="USD"> 16232000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c67771603" unitRef="USD"> 15426000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-08-01_2020-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c67771604" unitRef="USD"> 7969000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-08-01_2019-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-4" id="c67771605" unitRef="USD"> 7830000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c67771606" unitRef="USD"> 15843000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-5" id="c67771607" unitRef="USD"> 15300000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-08-01_2020-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c67771608" unitRef="USD"> 6619000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-08-01_2019-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c67771609" unitRef="USD"> 6179000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-05-01_2020-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c67771610" unitRef="USD"> 12961000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-05-01_2019-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c67771611" unitRef="USD"> 12148000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-08-01_2020-10-31" decimals="-3" id="c67771612" unitRef="USD"> 196684000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-08-01_2019-10-31" decimals="-3" id="c67771613" unitRef="USD"> 167743000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771614" unitRef="USD"> 359483000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771615" unitRef="USD"> 317817000 </us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>

<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2020-10-31" decimals="-5" id="c67771890" unitRef="USD"> 1600000 </crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>

<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2019-10-31" decimals="-5" id="c67771891" unitRef="USD"> 2200000 </crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>

<us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount contextRef="d_2020-05-01_2020-10-31" decimals="-5" id="c67771892" unitRef="USD"> 1100000 </us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount>

<us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771893" unitRef="USD"> 980000 </us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount>

<us-gaap:ContractWithCustomerLiabilityRevenueRecognized contextRef="d_2020-05-01_2020-10-31" decimals="-5" id="c67771897" unitRef="USD"> 9300000 </us-gaap:ContractWithCustomerLiabilityRevenueRecognized>

<us-gaap:EarningsPerSharePolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772160">

Earnings per Share Basic earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded.

</us-gaap:EarningsPerSharePolicyTextBlock>

<us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="d_2020-05-01_2020-10-31" id="c67772161">

</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>

<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2020-05-01_2020-10-31_AdjustmentsForNewAccountingPronouncementsAxis-AccountingStandardsUpdate201609Member" decimals="INF" id="c67771898" unitRef="USD"> -331000 </us-gaap:IncomeTaxExpenseBenefit>

<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2019-05-01_2019-10-31_AdjustmentsForNewAccountingPronouncementsAxis-AccountingStandardsUpdate201609Member" decimals="INF" id="c67771899" unitRef="USD"> -415000 </us-gaap:IncomeTaxExpenseBenefit>

<crmt:TreasuryStockPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772162">

Treasury Stock Treasury stock may be used for issuances under the Company’s stock-based compensation plans or for other general corporate purposes. The Company has a reserve account of 10,000 shares of treasury stock to secure outstanding service contracts issued in Iowa in accordance with the regulatory requirements of that state and another reserve account of 14,000 shares of treasury stock for its subsidiary, ACM Insurance Company, in accordance with the requirements of the Arkansas Department of Insurance.

</crmt:TreasuryStockPolicyTextBlock>

<crmt:TreasuryStockSharesToEstablishReserveAccountToSecureServiceContracts contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771902" unitRef="Share"> 10000 </crmt:TreasuryStockSharesToEstablishReserveAccountToSecureServiceContracts>

<crmt:TreasuryStockSharesToEstablishReserveAccountToMeetRegulatoryRequirementsForInsuranceCompany contextRef="d_2020-05-01_2020-10-31_CounterpartyNameAxis-ACMInsuranceCompanyMember" decimals="INF" id="c67771903" unitRef="Share"> 14000 </crmt:TreasuryStockSharesToEstablishReserveAccountToMeetRegulatoryRequirementsForInsuranceCompany>

<us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="d_2020-05-01_2020-10-31" id="c67772163">

Recent Accounting Pronouncements Occasionally, new accounting pronouncements are issued by the FASB or other standard setting bodies which the Company will adopt as of the specified effective date. Unless otherwise discussed, the Company believes the implementation of recently issued standards which are not yet effective will not have a material impact on its consolidated financial statements upon adoption. Adopted in Current Period Credit Losses. In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses (Topic 326). ASU 2016-13 requires financial assets such as loans to be presented net of an allowance for credit losses that reduces the cost basis to the amount expected to be collected over the estimated life. Expected credit losses will be measured based on historical experience and current conditions, as well as forecasts of future conditions that affect the collectability of the reported amount. Our allowance for loan loss calculation was modified to comply with these new requirements and adopted for our fiscal year beginning May 1, 2020. The Company did not incur a material impact to our financial statements as a result of this adoption. Cloud Computing Arrangement. In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40). ASU 2018-15 aligns the requirements for capitalizing implementation costs in a cloud computing arrangement with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. ASU 2018-15 is effective for annual reporting periods beginning after December 15, 2019, and interim reporting periods within those years. The Company did not incur a material impact to our financial statements as a result of this adoption. Effective in Future Periods Reference Rate Reform. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform. The pronouncement provides optional guidance for a limited period of time to ease the potential burden of accounting for reference rate reform. This guidance is effective for all entities as of March 12, 2020 through December 31, 2022. The Company expects to utilize this optional guidance but does not expect the impact to be material.

</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>

<us-gaap:FinancingReceivablesTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711463">

C – Finance Receivables, Net The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts, which carry an interest rate of 15% or 16.5% per annum (19.5% to 21.5% in Illinois), are collateralized by the vehicle sold and typically provide for payments over periods ranging from 18 to 48 months. The weighted average interest rate for the portfolio was approximately 16.5% at October 31, 2020. The Company’s finance receivables are defined as one segment and one class of loans in sub-prime consumer automobile contracts. The level of risks inherent in the Company’s financing receivables is managed as one homogeneous pool. The components of finance receivables are as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Gross contract amount </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">820,079</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">728,841</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Less unearned finance charges </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(127,304</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(107,659</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Principal balance </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">692,775</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">621,182</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Less allowance for credit losses </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(172,965</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(155,041</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance receivables, net </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">519,810</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">466,141</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> Changes in the finance receivables, net are as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Balance at beginning of period </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">466,141</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">415,486</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance receivable originations </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">333,255</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">293,174</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance receivable collections </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(168,348</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(151,075</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Provision for credit losses </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(79,946</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(72,652</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Losses on claims for payment protection plan </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(8,918</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(8,359</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Inventory acquired in repossession and payment protection plan claims </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(22,374</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(24,968</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Balance at end of period </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">519,810</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">451,606</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> Changes in the finance receivables allowance for credit losses are as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Balance at beginning of period </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">155,041</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">127,842</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Provision for credit losses </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">79,946</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">72,652</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Charge-offs, net of recovered collateral </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(62,022</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(65,013</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Balance at end of period </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">172,965</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">135,481</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> The factors which influenced management’s judgment in determining the amount of the current period provision for credit losses are described below. The level of charge-offs, net of recovered collateral, is the most important factor in determining the provision for credit losses. This is due to the fact that once a contract becomes delinquent the account is either made current by the customer, the vehicle is repossessed, or the account is written off if the collateral cannot be recovered. Net charge-offs as a percentage of average finance receivables decreased to 9.6% for the six months ended October 31, 2020, compared to 11.5% for the prior year period. The frequency of losses improved as a result of the sale of higher quality vehicles, improved deal structures and improved collections practices. Collections and delinquency levels can have a significant effect on additions to the allowance and are reviewed frequently. Collections as a percentage of average finance receivables were 25.9% for the six months ended October 31, 2020 compared to 26.8% for the same period in the prior year. The increase in the average contract term and slightly higher modifications were the primary drivers of the lower collection percentage, partially offset by improved collections on delinquent accounts. Delinquencies greater than 30 days were 2.5% for October 31, 2020 and 3.5% at October 31, 2019. In addition to the objective factors discussed above, the Company also considers macro-economic factors such as higher unemployment levels, higher gasoline prices and higher prices for staple items to develop reasonable and supportable forecasts about the future. These economic forecasts are utilized alongside historical loss information in order to estimate losses inherent in the portfolio over the following twelve-month period, at which point the Company will revert to historical loss information to estimate losses inherent in the portfolio for the remaining contractual lives of its finance receivables. In the first quarter of fiscal 2020, the Company reduced its allowance for credit losses from 25.0% to 24.5% as a result of improvements in net charge-offs as a percentage of average receivables, the quality of the portfolio and the allowance analysis. However, in the fourth quarter of fiscal 2020, COVID-19 impacted our customers, resulting in an increased past-due amounts as a percentage of receivables. As a result, the Company increased the allowance for credit losses from 24.5% to 26.5%. Although delinquencies have improved since yearend, the uncertainty of the COVID-19 impact on the economy and unemployment could affect our collections and past due receivables going forward. Macro-economic factors, the competitive environment on the funding side, and more importantly, proper execution of operational policies and procedures have a significant effect on additions to the allowance charged to the provision. The Company continues to focus on operational improvements within the collections area. Credit quality information for finance receivables is as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 28%; border-bottom: 1px solid black;"> (Dollars in thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Current </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">604,306</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">87.23</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">515,390</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">82.97</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">478,136</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">81.44</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 3 - 29 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">71,412</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10.31</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">67,259</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10.83</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">88,606</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15.09</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 30 - 60 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">12,434</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1.79</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">25,311</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">4.07</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">14,267</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2.43</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 61 - 90 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,047</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">0.44</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10,140</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1.63</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,852</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">0.66</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> > 90 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">1,576</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.23</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">3,082</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.50</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2,226</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.38</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">692,775</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">621,182</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">587,087</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td></tr> </tbody></table> Accounts one and two days past due are considered current for this analysis, due to the varying payment dates and variation in the day of the week at each period end. Delinquencies may vary from period to period based on the average age of the portfolio, seasonality within the calendar year, the day of the week and overall economic factors. The above categories are consistent with internal operational measures used by the Company to monitor credit results. The Company does believe that the enhanced unemployment benefits under the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, contributed to the improvement in delinquencies. Finance receivables outstanding at October 31, 2020 summarized by fiscal year of origination is as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="6" style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td colspan="18" style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> Fiscal Year of Origination </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Prior to </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td colspan="2" style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2021 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2018 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2017 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2017 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Total </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr class="GFJY4-DIN-com-rdg-thunderdome-client-resources-CssResource-html-element-highlighted" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;">$</td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">300,859</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">304,214</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">75,570</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10,020</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1,427</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">685</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">692,775</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders; such contracts generally entail a higher risk of delinquency, default, repossession, and losses than contracts made with buyers with better credit. Therefore, the Company manages the level of risks inherent in the Company’s financing receivables as one homogenous pool. The Company monitors contract term length, down payment percentages, and collections as credit quality indicators. <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%;"> Principal collected as a percent of average finance receivables </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">25.9</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">26.8</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Average down-payment percentage </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6.9</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6.2</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Average originating contract term (in months) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">33.1</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">30.2</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> October 31, 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%;"> Portfolio weighted average contract term, including modifications (in months) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">34.7</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">32.3</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> The decrease in collections as a percentage of average finance receivables resulted primarily from an extension in the average contract term, partially offset by improved collections on delinquent accounts. The portfolio weighted average contract term increased primarily due to the increased average selling price, up $1,598 or 13.9% from the prior year period. If the average selling price increases and in order to remain competitive, term lengths may continue to increase.

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<crmt:FinancingReceivableInterestRate contextRef="d_2020-05-01_2020-10-31_RangeAxis-MinimumMember" decimals="2" id="c67771924" unitRef="Pure"> 0.15 </crmt:FinancingReceivableInterestRate>

<crmt:FinancingReceivableInterestRate contextRef="d_2020-05-01_2020-10-31_RangeAxis-MaximumMember" decimals="3" id="c67771925" unitRef="Pure"> 0.165 </crmt:FinancingReceivableInterestRate>

<crmt:FinancingReceivableInterestRate contextRef="d_2020-05-01_2020-10-31_RangeAxis-MinimumMember_StatementGeographicalAxis-IL" decimals="3" id="c67771926" unitRef="Pure"> 0.195 </crmt:FinancingReceivableInterestRate>

<crmt:FinancingReceivableInterestRate contextRef="d_2020-05-01_2020-10-31_RangeAxis-MaximumMember_StatementGeographicalAxis-IL" decimals="3" id="c67771927" unitRef="Pure"> 0.215 </crmt:FinancingReceivableInterestRate>

<crmt:FinancingReceivablePaymentPeriod contextRef="d_2020-05-01_2020-10-31_RangeAxis-MinimumMember" id="c67771928"> P18M </crmt:FinancingReceivablePaymentPeriod>

<crmt:FinancingReceivablePaymentPeriod contextRef="d_2020-05-01_2020-10-31_RangeAxis-MaximumMember" id="c67771929"> P48M </crmt:FinancingReceivablePaymentPeriod>

<crmt:FinanceReceivablesWeightedAverageInterestRate contextRef="i_2020-10-31" decimals="3" id="c67771930" unitRef="Pure"> 0.165 </crmt:FinanceReceivablesWeightedAverageInterestRate>

<crmt:FinanceReceivablesNumberOfLoanClasses contextRef="i_2020-10-31" decimals="INF" id="c67771932" unitRef="Pure"> 1 </crmt:FinanceReceivablesNumberOfLoanClasses>

<crmt:FinanceReceivablesNumberOfRiskPools contextRef="i_2020-10-31" decimals="INF" id="c67771933" unitRef="Pure"> 1 </crmt:FinanceReceivablesNumberOfRiskPools>

<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711464">

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<us-gaap:NotesReceivableGross contextRef="i_2020-10-31" decimals="-3" id="c67771616" unitRef="USD"> 820079000 </us-gaap:NotesReceivableGross>

<us-gaap:NotesReceivableGross contextRef="i_2020-04-30" decimals="-3" id="c67771617" unitRef="USD"> 728841000 </us-gaap:NotesReceivableGross>

<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="i_2020-10-31" decimals="-3" id="c67771618" unitRef="USD"> 127304000 </us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>

<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="i_2020-04-30" decimals="-3" id="c67771619" unitRef="USD"> 107659000 </us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31" decimals="-3" id="c67771620" unitRef="USD"> 692775000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-04-30" decimals="-3" id="c67771621" unitRef="USD"> 621182000 </crmt:FinanceReceivablePrincipalBalance>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2020-10-31" decimals="-3" id="c67771622" unitRef="USD"> 172965000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2020-04-30" decimals="-3" id="c67771623" unitRef="USD"> 155041000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<us-gaap:NotesReceivableNet contextRef="i_2020-10-31" decimals="-4" id="c67771624" unitRef="USD"> 519810000 </us-gaap:NotesReceivableNet>

<us-gaap:NotesReceivableNet contextRef="i_2020-04-30" decimals="-3" id="c67771625" unitRef="USD"> 466141000 </us-gaap:NotesReceivableNet>

<crmt:ChangeInFinanceReceivablesNetTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711465">

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<us-gaap:NotesReceivableNet contextRef="i_2020-04-30" decimals="-3" id="c67771626" unitRef="USD"> 466141000 </us-gaap:NotesReceivableNet>

<us-gaap:NotesReceivableNet contextRef="i_2019-04-30" decimals="-3" id="c67771627" unitRef="USD"> 415486000 </us-gaap:NotesReceivableNet>

<crmt:FinanceReceivableOriginations contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771628" unitRef="USD"> 333255000 </crmt:FinanceReceivableOriginations>

<crmt:FinanceReceivableOriginations contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771629" unitRef="USD"> 293174000 </crmt:FinanceReceivableOriginations>

<crmt:FinanceReceivableCollections contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771630" unitRef="USD"> 168348000 </crmt:FinanceReceivableCollections>

<crmt:FinanceReceivableCollections contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771631" unitRef="USD"> 151075000 </crmt:FinanceReceivableCollections>

<us-gaap:ProvisionForLoanAndLeaseLosses contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771632" unitRef="USD"> 79946000 </us-gaap:ProvisionForLoanAndLeaseLosses>

<us-gaap:ProvisionForLoanAndLeaseLosses contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771633" unitRef="USD"> 72652000 </us-gaap:ProvisionForLoanAndLeaseLosses>

<crmt:LossesOnClaimsForPaymentProtectionPlan contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771634" unitRef="USD"> 8918000 </crmt:LossesOnClaimsForPaymentProtectionPlan>

<crmt:LossesOnClaimsForPaymentProtectionPlan contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771635" unitRef="USD"> 8359000 </crmt:LossesOnClaimsForPaymentProtectionPlan>

<crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771636" unitRef="USD"> 22374000 </crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims>

<crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771637" unitRef="USD"> 24968000 </crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims>

<us-gaap:NotesReceivableNet contextRef="i_2020-10-31" decimals="-4" id="c67771638" unitRef="USD"> 519810000 </us-gaap:NotesReceivableNet>

<us-gaap:NotesReceivableNet contextRef="i_2019-10-31" decimals="-3" id="c67771639" unitRef="USD"> 451606000 </us-gaap:NotesReceivableNet>

<us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711466">

</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2020-04-30" decimals="-3" id="c67771640" unitRef="USD"> 155041000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2019-04-30" decimals="-3" id="c67771641" unitRef="USD"> 127842000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<us-gaap:ProvisionForLoanAndLeaseLosses contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771642" unitRef="USD"> 79946000 </us-gaap:ProvisionForLoanAndLeaseLosses>

<us-gaap:ProvisionForLoanAndLeaseLosses contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771643" unitRef="USD"> 72652000 </us-gaap:ProvisionForLoanAndLeaseLosses>

<crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771644" unitRef="USD"> 62022000 </crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries>

<crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771645" unitRef="USD"> 65013000 </crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2020-10-31" decimals="-3" id="c67771646" unitRef="USD"> 172965000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2019-10-31" decimals="-3" id="c67771647" unitRef="USD"> 135481000 </us-gaap:FinancingReceivableAllowanceForCreditLosses>

<crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771935" unitRef="Pure"> 0.096 </crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables>

<crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables contextRef="d_2019-05-01_2019-10-31" decimals="3" id="c67771937" unitRef="Pure"> 0.115 </crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables>

<crmt:CollectionsAsPercentageOfAverageFinancingReceivables contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771938" unitRef="Pure"> 0.259 </crmt:CollectionsAsPercentageOfAverageFinancingReceivables>

<crmt:CollectionsAsPercentageOfAverageFinancingReceivables contextRef="d_2019-05-01_2019-10-31" decimals="3" id="c67771940" unitRef="Pure"> 0.268 </crmt:CollectionsAsPercentageOfAverageFinancingReceivables>

<crmt:DelinquenciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables contextRef="i_2020-10-31" decimals="3" id="c67771942" unitRef="Pure"> 0.025 </crmt:DelinquenciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables>

<crmt:DelinquenciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables contextRef="i_2019-10-31" decimals="3" id="c67771943" unitRef="Pure"> 0.035 </crmt:DelinquenciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables>

<crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance contextRef="i_2019-04-30" decimals="2" id="c67771948" unitRef="Pure"> 0.250 </crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance>

<crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance contextRef="i_2019-07-31" decimals="3" id="c67771949" unitRef="Pure"> 0.245 </crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance>

<crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance contextRef="i_2019-07-31" decimals="3" id="c67771953" unitRef="Pure"> 0.245 </crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance>

<crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance contextRef="i_2020-04-30_UnusualOrInfrequentItemAxis-Covid19PandemicMember" decimals="3" id="c67771954" unitRef="Pure"> 0.265 </crmt:FinanceReceivablesAllowancePercentOfPrincipleBalance>

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<table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 28%; border-bottom: 1px solid black;"> (Dollars in thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Principal </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Percent of </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Balance </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Portfolio </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Current </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">604,306</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">87.23</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">515,390</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">82.97</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">478,136</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">81.44</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 3 - 29 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">71,412</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10.31</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">67,259</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10.83</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">88,606</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15.09</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 30 - 60 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">12,434</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1.79</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">25,311</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">4.07</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">14,267</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2.43</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 61 - 90 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,047</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">0.44</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10,140</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1.63</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,852</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">0.66</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> > 90 days past due </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">1,576</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.23</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">3,082</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.50</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2,226</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.38</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">692,775</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">621,182</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">587,087</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">100.00</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">%</td></tr> </tbody></table>

</us-gaap:PastDueFinancingReceivablesTableTextBlock>

<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2020-10-31" decimals="-3" id="c67771648" unitRef="USD"> 604306000 </us-gaap:FinancingReceivableRecordedInvestmentCurrent>

<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2020-10-31" decimals="4" id="c67771649" unitRef="Pure"> 0.8723 </crmt:FinancingReceivableCurrentPercentOfPortfolio>

<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2020-04-30" decimals="-4" id="c67771650" unitRef="USD"> 515390000 </us-gaap:FinancingReceivableRecordedInvestmentCurrent>

<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2020-04-30" decimals="4" id="c67771651" unitRef="Pure"> 0.8297 </crmt:FinancingReceivableCurrentPercentOfPortfolio>

<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2019-10-31" decimals="-3" id="c67771652" unitRef="USD"> 478136000 </us-gaap:FinancingReceivableRecordedInvestmentCurrent>

<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2019-10-31" decimals="4" id="c67771653" unitRef="Pure"> 0.8144 </crmt:FinancingReceivableCurrentPercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2020-10-31" decimals="-3" id="c67771654" unitRef="USD"> 71412000 </crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>

<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2020-10-31" decimals="4" id="c67771655" unitRef="Pure"> 0.1031 </crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2020-04-30" decimals="-3" id="c67771656" unitRef="USD"> 67259000 </crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>

<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2020-04-30" decimals="4" id="c67771657" unitRef="Pure"> 0.1083 </crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2019-10-31" decimals="-3" id="c67771658" unitRef="USD"> 88606000 </crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>

<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2019-10-31" decimals="4" id="c67771659" unitRef="Pure"> 0.1509 </crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2020-10-31" decimals="-3" id="c67771660" unitRef="USD"> 12434000 </crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>

<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2020-10-31" decimals="4" id="c67771661" unitRef="Pure"> 0.0179 </crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2020-04-30" decimals="-3" id="c67771662" unitRef="USD"> 25311000 </crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>

<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2020-04-30" decimals="4" id="c67771663" unitRef="Pure"> 0.0407 </crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2019-10-31" decimals="-3" id="c67771664" unitRef="USD"> 14267000 </crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>

<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2019-10-31" decimals="4" id="c67771665" unitRef="Pure"> 0.0243 </crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2020-10-31" decimals="-3" id="c67771666" unitRef="USD"> 3047000 </crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>

<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2020-10-31" decimals="4" id="c67771667" unitRef="Pure"> 0.0044 </crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2020-04-30" decimals="-4" id="c67771668" unitRef="USD"> 10140000 </crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>

<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2020-04-30" decimals="4" id="c67771669" unitRef="Pure"> 0.0163 </crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2019-10-31" decimals="-3" id="c67771670" unitRef="USD"> 3852000 </crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>

<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2019-10-31" decimals="4" id="c67771671" unitRef="Pure"> 0.0066 </crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2020-10-31" decimals="-3" id="c67771672" unitRef="USD"> 1576000 </crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>

<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2020-10-31" decimals="4" id="c67771673" unitRef="Pure"> 0.0023 </crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2020-04-30" decimals="-3" id="c67771674" unitRef="USD"> 3082000 </crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>

<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2020-04-30" decimals="3" id="c67771675" unitRef="Pure"> 0.0050 </crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>

<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2019-10-31" decimals="-3" id="c67771676" unitRef="USD"> 2226000 </crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>

<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2019-10-31" decimals="4" id="c67771677" unitRef="Pure"> 0.0038 </crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31" decimals="-3" id="c67771678" unitRef="USD"> 692775000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2020-10-31" decimals="0" id="c67771679" unitRef="Pure"> 1.0000 </crmt:FinancingReceivablePercentOfPortfolio>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-04-30" decimals="-3" id="c67771680" unitRef="USD"> 621182000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2020-04-30" decimals="0" id="c67771681" unitRef="Pure"> 1.0000 </crmt:FinancingReceivablePercentOfPortfolio>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2019-10-31" decimals="-3" id="c67771682" unitRef="USD"> 587087000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2019-10-31" decimals="0" id="c67771683" unitRef="Pure"> 1.0000 </crmt:FinancingReceivablePercentOfPortfolio>

<crmt:ScheduleOfFinancingReceivableByFiscalYearOfOriginationTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711468">

<table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="6" style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td colspan="18" style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> Fiscal Year of Origination </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Prior to </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td colspan="2" style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2021 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2018 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2017 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> 2017 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Total </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr class="GFJY4-DIN-com-rdg-thunderdome-client-resources-CssResource-html-element-highlighted" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;">$</td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">300,859</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">304,214</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">75,570</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10,020</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1,427</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">685</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 11%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">692,775</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table>

</crmt:ScheduleOfFinancingReceivableByFiscalYearOfOriginationTableTextBlock>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedIn2021Member" decimals="-3" id="c67772177" unitRef="USD"> 300859000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedIn2020Member" decimals="-3" id="c67772178" unitRef="USD"> 304214000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedIn2019Member" decimals="-4" id="c67772179" unitRef="USD"> 75570000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedIn2018Member" decimals="-4" id="c67772180" unitRef="USD"> 10020000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedIn2017Member" decimals="-3" id="c67772181" unitRef="USD"> 1427000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis-FinancingReceivableOriginatedPriorTo2017Member" decimals="-3" id="c67772182" unitRef="USD"> 685000 </crmt:FinanceReceivablePrincipalBalance>

<crmt:FinanceReceivablePrincipalBalance contextRef="i_2020-10-31" decimals="-3" id="c67772183" unitRef="USD"> 692775000 </crmt:FinanceReceivablePrincipalBalance>

<us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711469">

</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>

<crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables contextRef="i_2020-10-31" decimals="3" id="c67771690" unitRef="Pure"> 0.259 </crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables>

<crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables contextRef="i_2019-10-31" decimals="3" id="c67771691" unitRef="Pure"> 0.268 </crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables>

<crmt:AverageDownpaymentPercentage contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771692" unitRef="Pure"> 0.069 </crmt:AverageDownpaymentPercentage>

<crmt:AverageDownpaymentPercentage contextRef="d_2019-05-01_2019-10-31" decimals="3" id="c67771693" unitRef="Pure"> 0.062 </crmt:AverageDownpaymentPercentage>

<crmt:AverageOriginatingContractTerm contextRef="d_2020-05-01_2020-10-31" id="c67771694"> P33M3D </crmt:AverageOriginatingContractTerm>

<crmt:AverageOriginatingContractTerm contextRef="d_2019-05-01_2019-10-31" id="c67771695"> P30M6D </crmt:AverageOriginatingContractTerm>

<crmt:FinancingReceivableContractTermsTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711470">

</crmt:FinancingReceivableContractTermsTableTextBlock>

<crmt:PortfolioWeightedAverageContractTermIncludingModifications contextRef="d_2020-05-01_2020-10-31" id="c67771696"> P34M21D </crmt:PortfolioWeightedAverageContractTermIncludingModifications>

<crmt:PortfolioWeightedAverageContractTermIncludingModifications contextRef="d_2019-05-01_2019-10-31" id="c67771697"> P32M9D </crmt:PortfolioWeightedAverageContractTermIncludingModifications>

<crmt:IncreaseDecreaseInAverageSellingPrice contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771959" unitRef="USD"> 1598 </crmt:IncreaseDecreaseInAverageSellingPrice>

<crmt:IncreaseDecreaseInAverageSellingPricePercentage contextRef="d_2020-05-01_2020-10-31" decimals="3" id="c67771960" unitRef="Pure"> 0.139 </crmt:IncreaseDecreaseInAverageSellingPricePercentage>

<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711471">

D – Property and Equipment A summary of property and equipment is as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Land </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,594</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">7,799</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Buildings and improvements </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">12,062</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">12,678</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Furniture, fixtures and equipment </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">14,502</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">14,118</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Leasehold improvements </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">28,975</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">27,519</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Construction in progress </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,007</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,186</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Less accumulated depreciation and amortization </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(36,402</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(35,160</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">32,738</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">30,140</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table>

</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>

<us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711472">

</us-gaap:PropertyPlantAndEquipmentTextBlock>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-10-31_PropertyPlantAndEquipmentByTypeAxis-LandMember" decimals="-3" id="c67771698" unitRef="USD"> 7594000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-04-30_PropertyPlantAndEquipmentByTypeAxis-LandMember" decimals="-3" id="c67771699" unitRef="USD"> 7799000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-10-31_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember" decimals="-3" id="c67771700" unitRef="USD"> 12062000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-04-30_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember" decimals="-3" id="c67771701" unitRef="USD"> 12678000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-10-31_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember" decimals="-3" id="c67771702" unitRef="USD"> 14502000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-04-30_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember" decimals="-3" id="c67771703" unitRef="USD"> 14118000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-10-31_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember" decimals="-3" id="c67771704" unitRef="USD"> 28975000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-04-30_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember" decimals="-3" id="c67771705" unitRef="USD"> 27519000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-10-31_PropertyPlantAndEquipmentByTypeAxis-ConstructionInProgressMember" decimals="-3" id="c67771706" unitRef="USD"> 6007000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2020-04-30_PropertyPlantAndEquipmentByTypeAxis-ConstructionInProgressMember" decimals="-3" id="c67771707" unitRef="USD"> 3186000 </us-gaap:PropertyPlantAndEquipmentGross>

<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="i_2020-10-31" decimals="-3" id="c67771708" unitRef="USD"> 36402000 </us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>

<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="i_2020-04-30" decimals="-4" id="c67771709" unitRef="USD"> 35160000 </us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>

<us-gaap:PropertyPlantAndEquipmentNet contextRef="i_2020-10-31" decimals="-3" id="c67771710" unitRef="USD"> 32738000 </us-gaap:PropertyPlantAndEquipmentNet>

<us-gaap:PropertyPlantAndEquipmentNet contextRef="i_2020-04-30" decimals="-4" id="c67771711" unitRef="USD"> 30140000 </us-gaap:PropertyPlantAndEquipmentNet>

<us-gaap:OtherLiabilitiesDisclosureTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711473">

E – Accrued Liabilities A summary of accrued liabilities is as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Employee compensation </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">10,839</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">8,199</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Deferred sales tax (see Note B) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">4,947</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,974</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Reserve for PPP claims </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,028</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,926</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Health insurance </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">813</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">1,187</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Fair value of contingent consideration </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,713</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,713</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Other </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">1,811</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">1,730</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">24,151</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">19,729</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table>

</us-gaap:OtherLiabilitiesDisclosureTextBlock>

<us-gaap:ScheduleOfAccruedLiabilitiesTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711474">

</us-gaap:ScheduleOfAccruedLiabilitiesTableTextBlock>

<us-gaap:AccruedSalariesCurrentAndNoncurrent contextRef="i_2020-10-31" decimals="-3" id="c67771712" unitRef="USD"> 10839000 </us-gaap:AccruedSalariesCurrentAndNoncurrent>

<us-gaap:AccruedSalariesCurrentAndNoncurrent contextRef="i_2020-04-30" decimals="-3" id="c67771713" unitRef="USD"> 8199000 </us-gaap:AccruedSalariesCurrentAndNoncurrent>

<us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent contextRef="i_2020-10-31" decimals="-3" id="c67771714" unitRef="USD"> 4947000 </us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent>

<us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent contextRef="i_2020-04-30" decimals="-3" id="c67771715" unitRef="USD"> 2974000 </us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent>

<crmt:ReserveForClaims contextRef="i_2020-10-31" decimals="-3" id="c67771716" unitRef="USD"> 3028000 </crmt:ReserveForClaims>

<crmt:ReserveForClaims contextRef="i_2020-04-30" decimals="-3" id="c67771717" unitRef="USD"> 2926000 </crmt:ReserveForClaims>

<us-gaap:AccruedInsuranceCurrentAndNoncurrent contextRef="i_2020-10-31" decimals="-3" id="c67771718" unitRef="USD"> 813000 </us-gaap:AccruedInsuranceCurrentAndNoncurrent>

<us-gaap:AccruedInsuranceCurrentAndNoncurrent contextRef="i_2020-04-30" decimals="-3" id="c67771719" unitRef="USD"> 1187000 </us-gaap:AccruedInsuranceCurrentAndNoncurrent>

<crmt:FairValueOfContingentConsiderationLiability contextRef="i_2020-10-31" decimals="-3" id="c67771720" unitRef="USD"> 2713000 </crmt:FairValueOfContingentConsiderationLiability>

<crmt:FairValueOfContingentConsiderationLiability contextRef="i_2020-04-30" decimals="-3" id="c67771721" unitRef="USD"> 2713000 </crmt:FairValueOfContingentConsiderationLiability>

<us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2020-10-31" decimals="-3" id="c67771722" unitRef="USD"> 1811000 </us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent>

<us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2020-04-30" decimals="-4" id="c67771723" unitRef="USD"> 1730000 </us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent>

<us-gaap:AccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2020-10-31" decimals="-3" id="c67771724" unitRef="USD"> 24151000 </us-gaap:AccruedLiabilitiesCurrentAndNoncurrent>

<us-gaap:AccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2020-04-30" decimals="-3" id="c67771725" unitRef="USD"> 19729000 </us-gaap:AccruedLiabilitiesCurrentAndNoncurrent>

<us-gaap:DebtDisclosureTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711475">

F – Debt Facilities A summary of debt facilities is as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (In thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Revolving lines of credit </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">213,971</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">215,831</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Notes payable </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">20</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">79</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance lease </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">202</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">445</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Debt issuance costs </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(670</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(787</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Debt facilities </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">213,523</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">215,568</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> On September 30, 2019, the Company and its subsidiaries, Colonial, Car-Mart of Arkansas (“ACM”) and Texas Car-Mart, Inc. (“TCM”) entered into a Third Amended and Restated Loan and Security Agreement (the “Agreement”), which amended and restated the Company’s revolving credit facilities. Under the Agreement, BMO Harris Bank, N.A. replaced Bank of America, N.A. as agent, lead arranger and book manager, and Wells Fargo Bank, N.A. joined the group of lenders. The Agreement also extended the term of the Company’s revolving credit facilities to September 30, 2022 and increased the total permitted borrowings from $215 million to $241 million, including an increase in the Colonial revolving line of credit from $205 million to $231 million. The ACM-TCM revolving line of credit commitment remained the same at $10 million. The Agreement also increased the accordion feature from $50 million to $100 million. The revolving credit facilities are collateralized primarily by finance receivables and inventory, are cross collateralized and contain a guarantee by the Company. Interest is payable monthly under the revolving credit facilities. The credit facilities provide for four pricing tiers for determining the applicable interest rate, based on the Company’s consolidated leverage ratio for the preceding fiscal quarter. The current applicable interest rate under the credit facilities is generally LIBOR plus 2.35%, or 2.85% at October 31, 2020 and 2.98% at April 30, 2020. The credit facilities contain various reporting and performance covenants including (i) maintenance of certain financial ratios and tests, (ii) limitations on borrowings from other sources, (iii) restrictions on certain operating activities and (iv) restrictions on the payment of dividends or distributions (see note B). The Company was in compliance with the covenants at October 31, 2020. The amount available to be drawn under the credit facilities is a function of eligible finance receivables and inventory. On October 29, 2020, the Company and its lenders amended the Agreement to expand the eligibility of the Company’s medium- and long-term finance receivables in determining the amount of borrowing availability and to make other accommodations allowing the Company to acquire and dispose of certain assets without the lenders’ consent. Based upon eligible finance receivables and inventory at October 31, 2020, the Company had additional availability of approximately $27 million under the revolving credit facilities. The Company recognized approximately $168,000 and $115,000 of amortization for the six months ended October 31, 2020 and 2019, respectively, related to debt issuance costs. The amortization is reflected as interest expense in the Company’s Condensed Consolidated Statements of Operations. During the first six months of fiscal 2021 and fiscal 2020, the Company incurred $51,000 and $435,000, respectively, in debt issuance costs related to the Agreement. Debt issuance costs of approximately $670,000 and $787,000 as of October 31, 2020 and April 30, 2020, respectively, are shown as a deduction from the debt facilities in the Condensed Consolidated Balance Sheets. On December 15, 2015, the Company entered into an agreement to purchase the property on which one of its dealerships is located for a purchase price of $550,000. Under the agreement, the purchase price is being paid in monthly principal and interest installments of $10,005. The debt matures in December 2020, bears interest at a rate of 3.50% and is secured by the property. The balance on this note payable was approximately $20,000 and $79,000 as of October 31, 2020 and April 30, 2020, respectively. On March 29, 2018, the Company entered into a lease classified as a finance lease. The present value of the minimum lease payments was approximately $202,000 and $445,000 as of October 31, 2020 and April 30, 2020, respectively, which is included in Debt facilities in the Consolidated Balance Sheet. The leased equipment is amortized on a straight-line basis over three years. As of October 31, 2020, and April 30, 2020, there was approximately $422,000 and $340,000, respectively, in accumulated depreciation related to the leased equipment.

</us-gaap:DebtDisclosureTextBlock>

<us-gaap:ScheduleOfDebtInstrumentsTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711476">

</us-gaap:ScheduleOfDebtInstrumentsTextBlock>

<us-gaap:DebtInstrumentCarryingAmount contextRef="i_2020-10-31_LongtermDebtTypeAxis-LineOfCreditMember" decimals="-3" id="c67771726" unitRef="USD"> 213971000 </us-gaap:DebtInstrumentCarryingAmount>

<us-gaap:DebtInstrumentCarryingAmount contextRef="i_2020-04-30_LongtermDebtTypeAxis-LineOfCreditMember" decimals="-3" id="c67771727" unitRef="USD"> 215831000 </us-gaap:DebtInstrumentCarryingAmount>

<us-gaap:DebtInstrumentCarryingAmount contextRef="i_2020-10-31_LongtermDebtTypeAxis-NotesPayableMember" decimals="-4" id="c67771728" unitRef="USD"> 20000 </us-gaap:DebtInstrumentCarryingAmount>

<us-gaap:DebtInstrumentCarryingAmount contextRef="i_2020-04-30_LongtermDebtTypeAxis-NotesPayableMember" decimals="-3" id="c67771729" unitRef="USD"> 79000 </us-gaap:DebtInstrumentCarryingAmount>

<us-gaap:FinanceLeaseLiability contextRef="i_2020-10-31" decimals="-3" id="c67771730" unitRef="USD"> 202000 </us-gaap:FinanceLeaseLiability>

<us-gaap:FinanceLeaseLiability contextRef="i_2020-04-30" decimals="-3" id="c67771731" unitRef="USD"> 445000 </us-gaap:FinanceLeaseLiability>

<us-gaap:DeferredFinanceCostsNet contextRef="i_2020-10-31" decimals="-4" id="c67771732" unitRef="USD"> 670000 </us-gaap:DeferredFinanceCostsNet>

<us-gaap:DeferredFinanceCostsNet contextRef="i_2020-04-30" decimals="-3" id="c67771733" unitRef="USD"> 787000 </us-gaap:DeferredFinanceCostsNet>

<us-gaap:LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities contextRef="i_2020-10-31" decimals="-3" id="c67771734" unitRef="USD"> 213523000 </us-gaap:LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities>

<us-gaap:LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities contextRef="i_2020-04-30" decimals="-3" id="c67771735" unitRef="USD"> 215568000 </us-gaap:LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities>

<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2019-09-29_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-6" id="c67771962" unitRef="USD"> 215000000 </us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>

<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2019-09-30_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-6" id="c67771963" unitRef="USD"> 241000000 </us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>

<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2019-09-29_CreditFacilityAxis-ColonialRevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-6" id="c67771964" unitRef="USD"> 205000000 </us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>

<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2019-09-30_CreditFacilityAxis-ColonialRevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-6" id="c67771965" unitRef="USD"> 231000000 </us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>

<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2019-09-30_CreditFacilityAxis-ACMTCMRevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-7" id="c67771966" unitRef="USD"> 10000000 </us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>

<crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature contextRef="i_2019-09-29_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-7" id="c67771967" unitRef="USD"> 50000000 </crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature>

<crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature contextRef="i_2019-09-30_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="-8" id="c67771968" unitRef="USD"> 100000000 </crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature>

<us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="d_2020-05-01_2020-07-31_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember_VariableRateAxis-LondonInterbankOfferedRateLIBORMember" decimals="4" id="c67771970" unitRef="Pure"> 0.0235 </us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>

<us-gaap:DebtInstrumentInterestRateEffectivePercentage contextRef="i_2020-07-31_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="4" id="c67771971" unitRef="Pure"> 0.0285 </us-gaap:DebtInstrumentInterestRateEffectivePercentage>

<us-gaap:DebtInstrumentInterestRateEffectivePercentage contextRef="i_2020-04-30_CreditFacilityAxis-RevolvingCreditFacilityMember_LineOfCreditFacilityAxis-BmoHarrisBankMember" decimals="4" id="c67771972" unitRef="Pure"> 0.0298 </us-gaap:DebtInstrumentInterestRateEffectivePercentage>

<crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature contextRef="i_2020-10-31" decimals="-6" id="c67771974" unitRef="USD"> 27000000 </crmt:LineOfCreditFacilityAdditionalBorrowingCapacityAccordionFeature>

<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771975" unitRef="USD"> 168000 </us-gaap:AmortizationOfFinancingCostsAndDiscounts>

<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771976" unitRef="USD"> 115000 </us-gaap:AmortizationOfFinancingCostsAndDiscounts>

<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771983" unitRef="USD"> 51000 </us-gaap:PaymentsOfDebtIssuanceCosts>

<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771984" unitRef="USD"> 435000 </us-gaap:PaymentsOfDebtIssuanceCosts>

<us-gaap:DeferredFinanceCostsGross contextRef="i_2020-10-31" decimals="INF" id="c67771985" unitRef="USD"> 670000 </us-gaap:DeferredFinanceCostsGross>

<us-gaap:DeferredFinanceCostsGross contextRef="i_2020-04-30" decimals="INF" id="c67771986" unitRef="USD"> 787000 </us-gaap:DeferredFinanceCostsGross>

<us-gaap:DebtInstrumentFaceAmount contextRef="i_2015-12-15_DebtInstrumentAxis-NotePayableRelatedToThePropertyPurchaseAgreementMember" decimals="INF" id="c67771988" unitRef="USD"> 550000 </us-gaap:DebtInstrumentFaceAmount>

<us-gaap:DebtInstrumentPeriodicPayment contextRef="d_2015-12-15_2015-12-15_DebtInstrumentAxis-NotePayableRelatedToThePropertyPurchaseAgreementMember" decimals="INF" id="c67771989" unitRef="USD"> 10005 </us-gaap:DebtInstrumentPeriodicPayment>

<us-gaap:DebtInstrumentInterestRateStatedPercentage contextRef="i_2015-12-15_DebtInstrumentAxis-NotePayableRelatedToThePropertyPurchaseAgreementMember" decimals="3" id="c67771990" unitRef="Pure"> 0.0350 </us-gaap:DebtInstrumentInterestRateStatedPercentage>

<us-gaap:LongTermDebt contextRef="i_2020-10-31_DebtInstrumentAxis-NotePayableRelatedToThePropertyPurchaseAgreementMember" decimals="INF" id="c67771991" unitRef="USD"> 20000 </us-gaap:LongTermDebt>

<us-gaap:LongTermDebt contextRef="i_2020-04-30_DebtInstrumentAxis-NotePayableRelatedToThePropertyPurchaseAgreementMember" decimals="INF" id="c67771992" unitRef="USD"> 79000 </us-gaap:LongTermDebt>

<us-gaap:FinanceLeaseLiability contextRef="i_2020-10-31" decimals="INF" id="c67771993" unitRef="USD"> 202000 </us-gaap:FinanceLeaseLiability>

<us-gaap:FinanceLeaseLiability contextRef="i_2020-04-30" decimals="INF" id="c67771994" unitRef="USD"> 445000 </us-gaap:FinanceLeaseLiability>

<us-gaap:FinanceLeaseRightOfUseAssetAccumulatedAmortization contextRef="i_2020-10-31" decimals="INF" id="c67771996" unitRef="USD"> 422000 </us-gaap:FinanceLeaseRightOfUseAssetAccumulatedAmortization>

<us-gaap:FinanceLeaseRightOfUseAssetAccumulatedAmortization contextRef="i_2020-04-30" decimals="INF" id="c67771997" unitRef="USD"> 340000 </us-gaap:FinanceLeaseRightOfUseAssetAccumulatedAmortization>

<us-gaap:FairValueDisclosuresTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711477">

G – Fair Value Measurements The table below summarizes information about the fair value of financial instruments included in the Company’s financial statements at October 31, 2020 and April 30, 2020: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> October 31, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> April 30, 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 52%; border-bottom: 1px solid black;">(In thousands)</td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Carrying Value </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Fair Value </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Carrying Value </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Fair Value </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Cash </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">19,533</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">19,533</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">59,560</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">59,560</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance receivables, net </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">519,810</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">426,057</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">466,141</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">382,027</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Accounts payable </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">16,047</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">16,047</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">13,117</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">13,117</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Debt facilities </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">213,523</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">213,523</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">215,568</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">215,568</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> Because no market exists for certain of the Company’s financial instruments, fair value estimates are based on judgments and estimates regarding yield expectations of investors, credit risk and other risk characteristics, including interest rate and prepayment risk. These estimates are subjective in nature and involve uncertainties and matters of judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect these estimates. The methodology and assumptions utilized to estimate the fair value of the Company’s financial instruments are as follows: <table cellpadding="0" cellspacing="0" style="width: 65%; text-indent: 0px; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 17.5%; margin-right: 17.5%;"><tbody><tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Financial Instrument </td><td style="vertical-align: top; width: 70%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Valuation Methodology </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="vertical-align: top; width: 70%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Cash </td><td style="vertical-align: top; width: 70%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument. </td></tr> </tbody></table> <table cellpadding="0" cellspacing="0" style="width: 65%; text-indent: 0px; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 17.5%; margin-right: 17.5%;"><tbody><tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30.3%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Finance receivables, net </td><td style="vertical-align: top; width: 69.7%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> The Company estimates the fair value of its receivables at what a third-party purchaser might be willing to pay. The Company has had discussions with third parties and has bought and sold portfolios and had a third-party appraisal in January 2019 that indicated a range of 34% to 39% discount to face would be a reasonable fair value in a negotiated third-party transaction. The sale of finance receivables from Car-Mart of Arkansas to Colonial is made at a 38.5% discount. For financial reporting purposes these sale transactions are eliminated. Since the Company does not intend to offer the receivables for sale to an outside third party, the expectation is that the net book value at October 31, 2020, will ultimately be collected. By collecting the accounts internally, the Company expects to realize more than a third-party purchaser would expect to collect with a servicing requirement and a profit margin included. </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30.3%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="vertical-align: top; width: 69.7%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30.3%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Accounts payable </td><td style="vertical-align: top; width: 69.7%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument. </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30.3%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="vertical-align: top; width: 69.7%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"><td style="vertical-align: top; width: 30.3%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Debt facilities </td><td style="vertical-align: top; width: 69.7%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> The fair value approximates carrying value due to the variable interest rates charged on the revolving credit facilities, which reprice frequently. </td></tr> </tbody></table>

</us-gaap:FairValueDisclosuresTextBlock>

<us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711478">

</us-gaap:FairValueByBalanceSheetGroupingTextBlock>

<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771736" unitRef="USD"> 19533000 </us-gaap:CashAndCashEquivalentsFairValueDisclosure>

<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771737" unitRef="USD"> 19533000 </us-gaap:CashAndCashEquivalentsFairValueDisclosure>

<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-4" id="c67771738" unitRef="USD"> 59560000 </us-gaap:CashAndCashEquivalentsFairValueDisclosure>

<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-4" id="c67771739" unitRef="USD"> 59560000 </us-gaap:CashAndCashEquivalentsFairValueDisclosure>

<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-4" id="c67771740" unitRef="USD"> 519810000 </us-gaap:LoansReceivableFairValueDisclosure>

<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771741" unitRef="USD"> 426057000 </us-gaap:LoansReceivableFairValueDisclosure>

<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771742" unitRef="USD"> 466141000 </us-gaap:LoansReceivableFairValueDisclosure>

<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771743" unitRef="USD"> 382027000 </us-gaap:LoansReceivableFairValueDisclosure>

<us-gaap:AccountsPayableFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771744" unitRef="USD"> 16047000 </us-gaap:AccountsPayableFairValueDisclosure>

<us-gaap:AccountsPayableFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771745" unitRef="USD"> 16047000 </us-gaap:AccountsPayableFairValueDisclosure>

<us-gaap:AccountsPayableFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771746" unitRef="USD"> 13117000 </us-gaap:AccountsPayableFairValueDisclosure>

<us-gaap:AccountsPayableFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771747" unitRef="USD"> 13117000 </us-gaap:AccountsPayableFairValueDisclosure>

<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771748" unitRef="USD"> 213523000 </us-gaap:LinesOfCreditFairValueDisclosure>

<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2020-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771749" unitRef="USD"> 213523000 </us-gaap:LinesOfCreditFairValueDisclosure>

<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c67771750" unitRef="USD"> 215568000 </us-gaap:LinesOfCreditFairValueDisclosure>

<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2020-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c67771751" unitRef="USD"> 215568000 </us-gaap:LinesOfCreditFairValueDisclosure>

<crmt:ReceivablesMeasurementInput contextRef="i_2019-01-31_MeasurementInputTypeAxis-MeasurementInputDiscountRateMember_RangeAxis-MinimumMember" decimals="2" id="c67772003" unitRef="Pure"> 0.34 </crmt:ReceivablesMeasurementInput>

<crmt:ReceivablesMeasurementInput contextRef="i_2019-01-31_MeasurementInputTypeAxis-MeasurementInputDiscountRateMember_RangeAxis-MaximumMember" decimals="2" id="c67772004" unitRef="Pure"> 0.39 </crmt:ReceivablesMeasurementInput>

<crmt:FairValueInputsDiscountRateIntercompanyTransactions contextRef="d_2019-01-01_2019-01-31" decimals="3" id="c67772006" unitRef="Pure"> 0.385 </crmt:FairValueInputsDiscountRateIntercompanyTransactions>

<crmt:WeightedAverageSharesOutstandingTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711479">

H – Weighted Average Shares Outstanding Weighted average shares of common stock outstanding used in the calculation of basic and diluted earnings per share were as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Three Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%;"> Weighted average shares outstanding-basic </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,627,780</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,621,562</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Dilutive options and restricted stock </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">307,927</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">331,105</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Weighted average shares outstanding-diluted </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,935,707</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,952,667</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Antidilutive securities not included: </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Options </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">225,000</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">25,000</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Restricted stock </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">-</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,000</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table>

</crmt:WeightedAverageSharesOutstandingTextBlock>

<us-gaap:ScheduleOfWeightedAverageNumberOfSharesTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711480">

</us-gaap:ScheduleOfWeightedAverageNumberOfSharesTableTextBlock>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771752" unitRef="Share"> 6627780 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771753" unitRef="Share"> 6621562 </us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>

<us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771754" unitRef="Share"> 307927 </us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>

<us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771755" unitRef="Share"> 331105 </us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67771756" unitRef="Share"> 6935707 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67771757" unitRef="Share"> 6952667 </us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>

<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2020-08-01_2020-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c67771758" unitRef="Share"> 225000 </us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>

<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2019-08-01_2019-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c67771759" unitRef="Share"> 25000 </us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>

<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2020-08-01_2020-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" decimals="INF" id="c67771760" unitRef="Share"> 0 </us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>

<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2019-08-01_2019-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" decimals="INF" id="c67771761" unitRef="Share"> 3000 </us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>

<us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711481">

I – Stock-Based Compensation The Company has stock-based compensation plans available to grant non-qualified stock options, incentive stock options and restricted stock to employees, directors and certain advisors of the Company. The stock-based compensation plans being utilized at October 31, 2020 are the Amended and Restated Stock Option Plan and the Amended and Restated Stock Incentive Plan. The Company recorded total stock-based compensation expense for all plans of approximately $3.7 million ($2.8 million after tax effects) and $2.2 million ($1.7 million after tax effects) for the six months ended October 31, 2020 and 2019, respectively. Tax benefits were recognized for these costs at the Company’s overall effective tax rate, excluding discrete income tax benefits related to excess benefits on share-based compensation. Stock Options The Company has options outstanding under a stock option plan approved by the shareholders, the Amended and Restated Stock Option Plan. The shareholders of the Company approved the Amended and Restated Stock Option Plan (the “Restated Option Plan”) on August 5, 2015, which extended the term of the Restated Option Plan to June 10, 2025 and increased the number of shares of common stock reserved for issuance under the plan to 1,800,000 shares. On August 29, 2018, the shareholders of the Company approved an amendment to the Restated Option Plan increasing the number of shares of common stock reserved for issuance under the plan by an additional 200,000 shares to 2,000,000 shares. On August 26, 2020, the shareholders of the Company approved an amendment to the Restated Option Plan increasing the number of shares of common stock reserved for issuance under the plan by an additional 200,000 shares to 2,200,000 shares. The Restated Option Plan provides for the grant of options to purchase shares of the Company’s common stock to employees, directors and certain advisors of the Company at a price not less than the fair market value of the stock on the date of grant and for periods not to exceed ten years. Options outstanding under the Company’s stock option plans expire in the calendar years 2020 through 2030. <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> Restated Option Plan </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Minimum exercise price as a percentage of fair market value at date of grant </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; text-align: center;">100%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;">Last expiration date for outstanding options</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; text-align: center;">May 1, 2030</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Shares available for grant at October 31, 2020 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; text-align: center;">245,000</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> The fair value of options granted is estimated on the date of grant using the Black-Scholes option pricing model based on the assumptions in the table below. <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%;"> Expected term (years) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">5.5</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">5.5</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Risk-free interest rate </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">0.36</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2.28</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Volatility </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">50</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">39</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Dividend yield </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">-</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">-</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> The expected term of the options is based on evaluations of historical actual and future expected employee exercise behavior. The risk-free interest rate is based on the U.S. Treasury rates at the date of grant with maturity dates approximately equal to the expected life at the grant date. Volatility is based on historical volatility of the Company’s common stock. The Company has not historically issued any dividends and does not expect to do so in the foreseeable future. There were 30,000 options granted during the six months ended October 31, 2020 and 25,000 options granted during the six months ended October 31, 2019. The grant-date fair value of options granted during the six months ended October 31, 2020 and 2019 was $886,000 and $974,000, respectively. The options were granted at fair market value on the date of grant. Stock option compensation expense was $2.2 million ($1.7 million after tax effects) and $1.7 million ($1.3 million after tax effects) for the six months ended October 31, 2020 and 2019, respectively. As of October 31, 2020, the Company had approximately $6.5 million of total unrecognized compensation cost related to unvested options that are expected to vest. These unvested outstanding options have a weighted-average remaining vesting period of 2.1 years. The Company had the following options exercised for the periods indicated. The impact of these cash receipts is included in financing activities in the accompanying Condensed Consolidated Statements of Cash Flows. <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (Dollars in thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Options exercised </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">55,566</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">39,000</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Cash received from option exercises </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,548</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">864</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Intrinsic value of options exercised </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,439</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">2,083</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> The aggregate intrinsic value of outstanding options at October 31, 2020 and 2019 was $15.6 million and $23.1 million, respectively. As of October 31, 2020, there were 272,184 vested and exercisable stock options outstanding with an aggregate intrinsic value of $8.8 million, a weighted average remaining contractual life of 5.5 years, and a weighted average exercise price of $55.23. Stock Incentive Plan On August 5, 2015, the shareholders of the Company approved the Amended and Restated Stock Incentive Plan (the “Restated Incentive Plan”), which extended the term of the Company’s Stock Incentive Plan to June 10, 2025. On August 29, 2018, the shareholders of the Company approved an amendment to the Restated Stock Incentive Plan that increased the number of shares of common stock that may be issued under the Restated Incentive Plan by 100,000 shares to 450,000. For shares issued under the Stock Incentive Plan, the associated compensation expense is generally recognized equally over the vesting periods established at the award date and is subject to the employee’s continued employment by the Company. There were 2,000 restricted shares granted during the six months ended October 31, 2020 and 3,000 restricted shares granted during the six months ended October 31, 2019. A total of 92,199 shares remained available for award at October 31, 2020. There were 186,828 unvested restricted shares outstanding as of October 31, 2020 with a weighted average grant date fair value of $49.88. As of October 31, 2020, the Company had approximately $5.9 million of total unrecognized compensation cost related to unvested awards granted under the Stock Incentive Plan, which the Company expects to recognize over a weighted-average remaining period of 5.8 years. The Company recorded compensation cost of approximately $561,000 ($426,000 after tax effects) and $521,000 ($399,000 after tax effects) related to the Restated Incentive Plan during the six months ended October 31, 2020 and 2019, respectively. There were no modifications to any of the Company’s outstanding share-based payment awards during fiscal 2020 or during the first six months of fiscal 2021.

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<us-gaap:AllocatedShareBasedCompensationExpense contextRef="d_2019-05-01_2019-10-31_PlanNameAxis-RestatedOptionPlanMember" decimals="-5" id="c67772012" unitRef="USD"> 2200000 </us-gaap:AllocatedShareBasedCompensationExpense>

<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2019-05-01_2019-10-31_PlanNameAxis-RestatedOptionPlanMember" decimals="-5" id="c67772013" unitRef="USD"> 1700000 </us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2015-08-05_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c67772016" unitRef="Share"> 1800000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized contextRef="d_2018-08-29_2018-08-29_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c67772017" unitRef="Share"> 200000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2018-08-29_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c67772018" unitRef="Share"> 2000000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2020-08-26_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c67772020" unitRef="Share"> 2200000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="d_2020-05-01_2020-10-31" decimals="4" id="c67771768" unitRef="Pure"> 0.0036 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="d_2019-05-01_2019-10-31" decimals="4" id="c67771769" unitRef="Pure"> 0.0228 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="d_2019-05-01_2019-10-31" decimals="2" id="c67771771" unitRef="Pure"> 0.39 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="d_2019-05-01_2019-10-31" decimals="0" id="c67771773" unitRef="Pure"> 0 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67772029" unitRef="Share"> 30000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67772031" unitRef="Share"> 25000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>

<crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue contextRef="d_2020-08-01_2020-10-31" decimals="INF" id="c67772035" unitRef="USD"> 886000 </crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue>

<crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue contextRef="d_2019-08-01_2019-10-31" decimals="INF" id="c67772036" unitRef="USD"> 974000 </crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue>

<us-gaap:AllocatedShareBasedCompensationExpense contextRef="d_2020-05-01_2020-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="-5" id="c67772037" unitRef="USD"> 2200000 </us-gaap:AllocatedShareBasedCompensationExpense>

<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2020-05-01_2020-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="-5" id="c67772038" unitRef="USD"> 1700000 </us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>

<us-gaap:AllocatedShareBasedCompensationExpense contextRef="d_2019-05-01_2019-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="-5" id="c67772039" unitRef="USD"> 1700000 </us-gaap:AllocatedShareBasedCompensationExpense>

<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2019-05-01_2019-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="-5" id="c67772040" unitRef="USD"> 1300000 </us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>

<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="i_2020-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="-5" id="c67772043" unitRef="USD"> 6500000 </us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>

<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="d_2020-05-01_2020-10-31_AwardTypeAxis-EmployeeStockOptionMember" id="c67772044"> P2Y1M6D </us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>

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<crmt:StockOptionsExercised contextRef="d_2020-05-01_2020-10-31" decimals="INF" id="c67771774" unitRef="Share"> 55566 </crmt:StockOptionsExercised>

<crmt:StockOptionsExercised contextRef="d_2019-05-01_2019-10-31" decimals="INF" id="c67771775" unitRef="Share"> 39000 </crmt:StockOptionsExercised>

<us-gaap:ProceedsFromStockOptionsExercised contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771776" unitRef="USD"> 2548000 </us-gaap:ProceedsFromStockOptionsExercised>

<us-gaap:ProceedsFromStockOptionsExercised contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771777" unitRef="USD"> 864000 </us-gaap:ProceedsFromStockOptionsExercised>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771778" unitRef="USD"> 2439000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771779" unitRef="USD"> 2083000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="i_2020-10-31" decimals="-5" id="c67772046" unitRef="USD"> 15600000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="i_2019-10-31" decimals="-5" id="c67772047" unitRef="USD"> 23100000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber contextRef="i_2020-10-31" decimals="INF" id="c67772048" unitRef="Share"> 272184 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice contextRef="i_2020-10-31" decimals="INF" id="c67772051" unitRef="USDPerShare"> 55.23 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized contextRef="d_2018-08-29_2018-08-29_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772052" unitRef="Share"> 100000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2018-08-29_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772053" unitRef="Share"> 450000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="d_2020-05-01_2020-10-31_AwardTypeAxis-RestrictedStockMember_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772055" unitRef="Share"> 2000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="d_2019-05-01_2019-10-31_AwardTypeAxis-RestrictedStockMember_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772057" unitRef="Share"> 3000 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="i_2020-10-31_AwardTypeAxis-RestrictedStockMember_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772059" unitRef="Share"> 92199 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>

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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="d_2020-05-01_2020-10-31_AwardTypeAxis-RestrictedStockMember_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772061" unitRef="USDPerShare"> 49.88 </us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>

<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="i_2020-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="-5" id="c67772062" unitRef="USD"> 5900000 </us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>

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<us-gaap:AllocatedShareBasedCompensationExpense contextRef="d_2020-05-01_2020-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772064" unitRef="USD"> 561000 </us-gaap:AllocatedShareBasedCompensationExpense>

<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2020-05-01_2020-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772065" unitRef="USD"> 426000 </us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>

<us-gaap:AllocatedShareBasedCompensationExpense contextRef="d_2019-05-01_2019-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772066" unitRef="USD"> 521000 </us-gaap:AllocatedShareBasedCompensationExpense>

<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2019-05-01_2019-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c67772067" unitRef="USD"> 399000 </us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>

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J – Commitments and Contingencies The Company has entered into operating leases for approximately 85% of its dealership and office facilities. Generally, these leases are for periods of three to five years and usually contain multiple renewal options. The Company uses leasing arrangements to maintain flexibility in its dealership locations and to preserve capital. The Company expects to continue to lease the majority of its dealership and office facilities under arrangements substantially consistent with the past. Rent expense for all operating leases amounted to approximately $4.0 million for the six months ended October 31, 2020 and $3.5 million for the prior year period. Scheduled amounts and timing of cash flows arising from operating lease payments as of October 31, 2020, discounted at the weighted average interest rate in effect as of October 31, 2020 of approximately 4.34%, are as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 15%; margin-left: 15%; width: 70%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 81%;"> Maturity of lease liabilities </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2021 (remaining) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,488</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2022 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,989</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2023 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,915</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2024 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,398</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2025 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,218</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Thereafter </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,801</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total undiscounted operating lease payments </td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; border-bottom: 1px rgb(0, 0, 0); text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">87,809</td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Less: imputed interest </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(23,643</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Present value of operating lease liabilities </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">64,166</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table> The Company has a standby letter of credit relating to an insurance policy totaling $250,000 at October 31, 2020. Car-Mart of Arkansas and Colonial do not meet the affiliation standard for filing consolidated income tax returns, and as such they file separate federal and state income tax returns. Car-Mart of Arkansas routinely sells its finance receivables to Colonial at what the Company believes to be fair market value and is able to take a tax deduction at the time of sale for the difference between the tax basis of the receivables sold and the sales price. These types of transactions, based upon facts and circumstances, have been permissible under the provisions of the Internal Revenue Code as described in the Treasury Regulations. For financial accounting purposes, these transactions are eliminated in consolidation, and a deferred income tax liability has been recorded for this timing difference. The sale of finance receivables from Car-Mart of Arkansas to Colonial provides certain legal protection for the Company’s finance receivables and, principally because of certain state apportionment characteristics of Colonial, also has the effect of reducing the Company’s overall effective state income tax rate. The actual interpretation of the regulations is in part a facts and circumstances matter. The Company believes it satisfies the material provisions of the regulations. Failure to satisfy those provisions could result in the loss of a tax deduction at the time the receivables are sold and have the effect of increasing the Company’s overall effective income tax rate as well as the timing of required tax payments.

</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>

<crmt:OperatingLeasePercentOfFacilitiesLeased contextRef="i_2020-10-31" decimals="2" id="c67772075" unitRef="Pure"> 0.85 </crmt:OperatingLeasePercentOfFacilitiesLeased>

<us-gaap:OperatingLeaseExpense contextRef="d_2020-05-01_2020-10-31" decimals="-6" id="c67772078" unitRef="USD"> 4000000.0 </us-gaap:OperatingLeaseExpense>

<us-gaap:OperatingLeaseExpense contextRef="d_2019-05-01_2019-10-31" decimals="-5" id="c67772080" unitRef="USD"> 3500000 </us-gaap:OperatingLeaseExpense>

<us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent contextRef="i_2020-10-31" decimals="4" id="c67772081" unitRef="Pure"> 0.0434 </us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent>

<us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711486">

<table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 15%; margin-left: 15%; width: 70%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 81%;"> Maturity of lease liabilities </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="text-align: left; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2021 (remaining) </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,488</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2022 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,989</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2023 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,915</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2024 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,398</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> 2025 </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">6,218</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Thereafter </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,801</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Total undiscounted operating lease payments </td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; border-bottom: 1px rgb(0, 0, 0); text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">87,809</td><td style="width: 1%; border-bottom: 1px rgb(0, 0, 0); font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Less: imputed interest </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">(23,643</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Present value of operating lease liabilities </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 16%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">64,166</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td></tr> </tbody></table>

</us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear contextRef="i_2020-10-31" decimals="-3" id="c67771780" unitRef="USD"> 3488000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths contextRef="i_2020-10-31" decimals="-3" id="c67771781" unitRef="USD"> 6989000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearTwo contextRef="i_2020-10-31" decimals="-3" id="c67771782" unitRef="USD"> 6915000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearTwo>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearThree contextRef="i_2020-10-31" decimals="-3" id="c67771783" unitRef="USD"> 6398000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearThree>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFour contextRef="i_2020-10-31" decimals="-3" id="c67771784" unitRef="USD"> 6218000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFour>

<crmt:LesseeOperatingLeaseLiabilityToBePaidAfterYearFour contextRef="i_2020-10-31" decimals="-3" id="c67771785" unitRef="USD"> 57801000 </crmt:LesseeOperatingLeaseLiabilityToBePaidAfterYearFour>

<us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue contextRef="i_2020-10-31" decimals="-3" id="c67771786" unitRef="USD"> 87809000 </us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue>

<us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount contextRef="i_2020-10-31" decimals="-3" id="c67771787" unitRef="USD"> 23643000 </us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount>

<us-gaap:OperatingLeaseLiability contextRef="i_2020-10-31" decimals="-3" id="c67771788" unitRef="USD"> 64166000 </us-gaap:OperatingLeaseLiability>

<us-gaap:LettersOfCreditOutstandingAmount contextRef="i_2020-10-31" decimals="INF" id="c67772082" unitRef="USD"> 250000 </us-gaap:LettersOfCreditOutstandingAmount>

<us-gaap:CashFlowSupplementalDisclosuresTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711487">

K - Supplemental Cash Flow Information Supplemental cash flow disclosures are as follows: <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: "Times New Roman", Times, serif; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> Six Months Ended October 31, </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; width: 70%; border-bottom: 1px solid black;"> (in thousands) </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2020 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td><td colspan="2" style="text-align: center; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> 2019 </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Supplemental disclosures: </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Interest paid </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,722</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">3,990</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Income taxes paid (refunds received), net </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">15,645</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">5,975</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Non-cash transactions: </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Inventory acquired in repossession and payment protection plan claims </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">22,374</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">24,968</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: "Times New Roman", Times, serif; font-size: 10pt;"> Net settlement option exercises </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">389</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt;"> </td><td style="width: 12%; text-align: right; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;">489</td><td style="width: 1%; font-family: "Times New Roman", Times, serif; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table>

</us-gaap:CashFlowSupplementalDisclosuresTextBlock>

<us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock contextRef="d_2020-05-01_2020-10-31" id="c1711488">

</us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock>

<us-gaap:InterestPaidNet contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771789" unitRef="USD"> 3722000 </us-gaap:InterestPaidNet>

<us-gaap:InterestPaidNet contextRef="d_2019-05-01_2019-10-31" decimals="-4" id="c67771790" unitRef="USD"> 3990000 </us-gaap:InterestPaidNet>

<us-gaap:IncomeTaxesPaidNet contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771791" unitRef="USD"> 15645000 </us-gaap:IncomeTaxesPaidNet>

<us-gaap:IncomeTaxesPaidNet contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771792" unitRef="USD"> 5975000 </us-gaap:IncomeTaxesPaidNet>

<us-gaap:FairValueOfAssetsAcquired contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771793" unitRef="USD"> 22374000 </us-gaap:FairValueOfAssetsAcquired>

<us-gaap:FairValueOfAssetsAcquired contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771794" unitRef="USD"> 24968000 </us-gaap:FairValueOfAssetsAcquired>

<crmt:NetSettlementOptionExercises contextRef="d_2020-05-01_2020-10-31" decimals="-3" id="c67771795" unitRef="USD"> 389000 </crmt:NetSettlementOptionExercises>

<crmt:NetSettlementOptionExercises contextRef="d_2019-05-01_2019-10-31" decimals="-3" id="c67771796" unitRef="USD"> 489000 </crmt:NetSettlementOptionExercises>

</xbrl>

8 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

11/04/20  Americas Carmart Inc.             8-K:1,2,9  10/29/20   11:302K                                   Globenewswire Inc./FA
 8/31/20  Americas Carmart Inc.             8-K:5,8,9   8/26/20    2:36K                                    Globenewswire Inc./FA
10/01/19  Americas Carmart Inc.             8-K:1,2,7,9 9/30/19    3:1.3M                                   Globenewswire Inc./FA
 9/04/18  Americas Carmart Inc.             8-K:5,8,9   8/29/18    3:42K                                    Globenewswire Inc./FA
 6/23/15  Americas Carmart Inc.             DEF 14A     8/05/15    1:711K                                   Globenewswire Inc./FA
 2/19/14  Americas Carmart Inc.             8-K:1,2,5,9 2/13/14    4:236K                                   Globenewswire Inc./FA
12/07/07  Americas Carmart Inc.             10-Q       10/31/07   10:1.6M                                   Toppan Vite NY Inc./FA
11/16/05  Americas Carmart Inc.             S-8        11/16/05   12:496K                                   Toppan Vite NY Inc./FA

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Filing Submission 0001171843-20-008363 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Americas Carmart Inc. – ‘10-Q’ for 10/31/20 – ‘XML’

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8 Previous Filings that this Filing References

Quarterly Report — Form 10-Q
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