Conns (CONNQ) 10-Q 2 Jun 16 2017 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Apr. 30, 2016	May. 26, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	CONNS INC
Entity Central Index Key	1,223,389
Current Fiscal Year End Date	--01-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Apr. 30, 2016
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		30,698,177

CONSOLIDATED BALANCE SHEETS (un

CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Apr. 30, 2016	Jan. 31, 2016
Current assets
Cash and cash equivalents	$ 11,542	$ 12,254
Restricted cash (all held by VIEs)	94,072	64,151
Customer accounts receivable, net of allowances (includes balances for VIEs of $601,481 and $390,150, respectively)	727,079	743,931
Other accounts receivable	84,558	95,404
Inventories	181,543	201,969
Income taxes recoverable	15,393	10,774
Prepaid expenses and other current assets	19,300	20,092
Total current assets	1,133,487	1,148,575
Long-term portion of customer accounts receivable, net of allowances (includes balances for VIEs of $416,766 and $331,254, respectively)	596,889	631,645
Restricted Cash and Cash Equivalents, Noncurrent	25,002	14,425
Property and equipment, net	163,626	151,483
Deferred income taxes	69,264	70,219
Other assets	8,557	8,953
Total assets	1,996,825	2,025,300
Current Liabilities
Current maturities of capital lease obligations	769	799
Accounts payable	97,515	86,797
Accrued compensation and related expenses	7,568	9,337
Accrued expenses	36,332	30,037
Income taxes payable	2,999	2,823
Deferred revenues and allowances	17,298	16,332
Total current liabilities	162,481	146,125
Deferred Rent Credit, Noncurrent	82,848	74,559
Long-term debt and capital lease obligations (includes balances of VIEs of $905,201 and $699,515, respectively)	1,203,361	1,248,879
Other long-term liabilities	17,920	17,456
Total liabilities	1,466,610	1,487,019
Stockholders' equity
Preferred stock ($0.01 par value, 1,000,000 shares authorized; none issued or outstanding)	0	0
Common stock ($0.01 par value, 100,000 shares authorized; 30,695 and 30,630 shares issued, respectively)	307	306
Additional paid-in capital	86,891	85,209
Retained earnings	443,017	452,766
Total stockholders' equity	530,215	538,281
Total liabilities and stockholders' equity	1,996,825	$ 2,025,300
Senior Notes [Member]
Debt Instrument, Fair Value Disclosure	$ 186,700

CONSOLIDATED BALANCE SHEETS (u3

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - USD ($) $ in Thousands	Apr. 30, 2016	Jan. 31, 2016
Restricted cash (all held by VIEs)	$ 94,072	$ 64,151
Assets, Noncurrent [Abstract]
Customer accounts receivable, net of allowances (includes balances for VIEs of $601,481 and $390,150, respectively)	727,079	743,931
Long-term customer accounts receivable, net	$ 596,889	$ 631,645
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	30,695,000	30,630,000
Variable Interest Entity
Assets, Noncurrent [Abstract]
Customer accounts receivable, net of allowances (includes balances for VIEs of $601,481 and $390,150, respectively)	$ 602,302	$ 390,150
Long-term customer accounts receivable, net	417,943	331,254
Long-term Debt	$ 905,201	$ 699,515

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Revenues
Product sales	$ 286,490	$ 271,626
Repair service agreement commissions	28,185	23,796
Service revenues	3,867	3,057
Total net sales	318,542	298,479
Finance charges and other	70,571	66,597
Total revenues	389,113	365,076
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	204,466	187,133
Selling, general and administrative expense	113,247	95,675
Provision for bad debts	58,218	47,543
Other Nonrecurring (Income) Expense	526	619
Total cost and expenses	376,457	330,970
Operating income	12,656	34,106
Interest expense	25,896	9,428
Income before income taxes	(13,240)	24,678
Provision for income taxes	(3,491)	9,001
Net income	$ (9,749)	$ 15,677
Earnings per share:
Basic (in dollars per share)	$ (0.32)	$ 0.43
Diluted (in dollars per share)	$ (0.32)	$ 0.43
Average common shares outstanding:
Basic (in shares)	30,661	36,365
Diluted (in shares)	30,661	36,880

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Statement of Comprehensive Income [Abstract]
Net income	$ (9,749)	$ 15,677

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (unaudited) - 3 months ended Apr. 30, 2016 $ in Thousands	USD ($)
Balance at Jan. 31, 2016	$ 538,281
Net income	(9,749)
Balance at Apr. 30, 2016	$ 530,215

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Statement of Cash Flows [Abstract]
Capital Expenditures Incurred but Not yet Paid	$ 6,476	$ 3,038
Provision for bad debts	58,218	47,543
Cash flows from operating activities
Net income	(9,749)	15,677
Depreciation, Depletion and Amortization, Nonproduction	6,636	4,777
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of debt issuance costs	7,730	831
Provision for bad debts and uncollectible interest	67,860	55,961
Stock-based compensation	1,297	872
Excess tax benefits from stock-based compensation	(1)	(100)
Restructuring Costs and Asset Impairment Charges	0	425
Benefit for deferred income taxes	955	(4,651)
(Gain) loss on sale of property and equipment	(178)	(187)
Payments for (Proceeds from) Tenant Allowance	6,972	1,391
Change in operating assets and liabilities:
Customer accounts receivable	(16,253)	(66,513)
Increase (Decrease) in Other Receivables	11,745	3,311
Inventories	20,426	29,679
Increase (Decrease) in Other Operating Assets	(864)	(340)
Accounts payable	8,718	7,450
Accrued expenses	4,360	(5,874)
Income taxes payable	(4,443)	13,258
Increase (Decrease) in Deferred Revenue and Customer Advances and Deposits	1,714	(296)
Net cash used in operating activities	108,653	56,351
Cash flows from investing activities
Purchase of property and equipment	(16,996)	(9,602)
Proceeds from sale of property and equipment	696	35
Net Cash Provided by (Used in) Investing Activities	(16,300)	(9,567)
Proceeds from Issuance of Secured Debt	493,540	0
Cash flows from financing activities
Payments on asset-backed notes	(289,639)	0
Increase (Decrease) in Restricted Cash	(40,498)	0
Borrowings under lines of credit	170,393	63,041
Payments on lines of credit	(421,735)	(117,400)
Payments of Debt Issuance Costs	5,289	0
Proceeds from stock issued under employee benefit plans	385	342
Excess Tax Benefit from Share-based Compensation, Financing Activities	1	100
Other	(223)	(131)
Net Cash Provided by (Used in) Financing Activities	(93,065)	(54,048)
Net change in cash and cash equivalents	(712)	(7,264)
Beginning of period	12,254	12,223
End of period	11,542	4,959
Interest Paid	18,448	7,257
Income Taxes Paid, Net	$ 61	$ 342

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Apr. 30, 2016
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Business. Conn's is a leading specialty retailer that offers a broad selection of quality, branded durable consumer goods and related services in addition to a proprietary credit solution for its core credit constrained consumers. We operate an integrated and scalable business through our retail stores and website. Our complementary product offerings include furniture and mattresses, home appliances, consumer electronics and home office products from leading global brands across a wide range of price points. Our credit offering provides financing solutions to a large, under-served population of credit constrained consumers who typically have limited banking options. We operate two reportable segments: retail and credit. Our retail stores bear the "Conn's" or "Conn's HomePlus" name with all of our stores providing the same products and services to a common customer group. Our stores follow the same procedures and methods in managing their operations. Our retail business and credit business are operated independently from each other. The credit segment is dedicated to providing short- and medium-term financing for our retail customers. The retail segment is not involved in credit approval decisions. Our management evaluates performance and allocates resources based on the operating results of the retail and credit segments. Basis of Presentation. The accompanying unaudited, condensed consolidated financial statements of Conn's, Inc. and its wholly-owned subsidiaries, including the VIEs (as defined below), have been prepared by management in accordance with accounting principles generally accepted in the United States for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, we do not include all of the information and footnotes required by accounting principles generally accepted in the United States for complete financial statements. The accompanying financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are of a normal recurring nature. The condensed consolidated financial position, results of operations and cash flows for these interim periods are not necessarily indicative of the results that may be expected in future periods. The balance sheet at January 31, 2016 has been derived from the audited financial statements at that date. The financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto included in our Annual Report on Form 10-K for the fiscal year ended January 31, 2016 , filed with the United States Securities and Exchange Commission (the "SEC") on March 29, 2016 . Variable Interest Entities. In September 2015, we securitized $1.4 billion of customer accounts receivables by transferring the receivables to a bankruptcy-remote variable-interest entity (the "2015 VIE"). The 2015 VIE issued asset-backed notes at a face amount of $1.12 billion secured by the transferred portfolio balance, which resulted in net proceeds to us of approximately $1.08 billion , net of transaction costs and restricted cash held by the 2015 VIE. The net proceeds were used to pay down the entire balance on our revolving credit facility, to repurchase shares of the Company's common stock and Senior Notes, and for other general corporate purposes. In March 2016, we securitized $705.1 million of customer accounts receivables by transferring the receivables to a new bankruptcy-remote variable-interest entity (the "2016 VIE" or together with the 2015 VIE, the "VIEs"). The 2016 VIE issued two classes of asset-backed notes at a total face amount of $493.5 million secured by the transferred customer accounts receivables. This resulted in net proceeds to us of approximately $478.0 million , net of transaction costs and restricted cash held by the 2016 VIE. The net proceeds were used to pay down the entire balance on our revolving credit facility and for other general corporate purposes. We currently hold the residual equity of the VIEs as well as a third class of asset-backed notes of the 2016 VIE, of which we may elect to retain all or a portion of these interests if that is determined to be in our best economic interest. In addition, we retain the servicing of the securitized portfolios. We determined that we have a variable interest in both VIEs and we are the primary beneficiary because (i) our servicing responsibilities for the securitized portfolios give us the power to direct the activities that most significantly impact the performance of the VIEs, and (ii) our variable interest in the VIEs gives us the obligation to absorb losses and the right to receive residual returns that could potentially be significant. As a result, while holding all or a significant portion of the residual equity of the VIEs and the third class of asset-backed notes of the 2016 VIE, we will consolidate the VIEs within our financial statements. If we sell all or a significant portion of our interest, we will assess if the transaction achieves sale treatment for accounting purposes, which may result in deconsolidation of one or both of the VIEs. There is no assurance that we will complete a sale of all or a portion of our interest in the VIEs, and there is no assurance we will achieve sale treatment. As a result, we have determined that the securitized portfolios do not meet the criteria for treatment as an asset held for sale, which would require recording at the lower of cost, net of allowances, or fair value. We have not made an adjustment to the customer accounts receivable balance as a result of the transaction or in anticipation of any gain or loss that may occur should a sale of our interest in the VIEs be completed. Principles of Consolidation. The consolidated financial statements include the accounts of Conn's, Inc. and its wholly-owned subsidiaries, including the VIEs. Conn's, Inc., a Delaware corporation, is a holding company with no independent assets or operations other than its investments in its subsidiaries. All intercompany transactions and balances have been eliminated in consolidation. Fiscal Year. Our fiscal year ends on January 31. References to a fiscal year refer to the calendar year in which the fiscal year ends. Accounting Policies. The complete summary of significant accounting policies is included in the notes to the consolidated financial statements as presented in our Annual Report on Form 10-K for the fiscal year ended January 31, 2016 . Use of Estimates. The preparation of financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The allowance for doubtful accounts, allowances for no-interest option credit programs, and deferred interest are particularly sensitive given the size of our customer portfolio balance. Earnings per Share. Basic earnings per share is calculated by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share include the potential dilutive effects of any stock-based awards, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding used for the earnings per share calculations: Three Months Ended (in thousands) 2016 2015 Weighted average common shares outstanding - Basic 30,661 36,365 Dilutive effect of stock based awards — 515 Weighted average common shares outstanding - Diluted 30,661 36,880 For the three months ended April 30, 2016 and 2015 , the weighted average number of shares from stock based awards not included in the calculation due to their anti-dilutive effect was approximately 1.0 million and 0.4 million shares, respectively. Restricted Cash. The restricted cash balance as of April 30, 2016 and January 31, 2016 includes $94.1 million and $64.2 million , respectively, of cash we collected as servicer on the securitized receivables that was remitted to the VIEs and $ 25.0 million and $14.4 million , respectively, of cash held by the VIEs as additional collateral for the asset-backed notes. Customer accounts receivable. Customer accounts receivable reported in the consolidated balance sheet includes total receivables managed, including those transferred to the VIEs and those receivables not transferred to the VIEs. Customer accounts receivable are originated at the time of sale and delivery of the various products and services. Based on contractual terms, we record the amount of principal and accrued interest on customer receivables that is expected to be collected within the next twelve months in current assets with the remaining balance in long-term assets on the consolidated balance sheet. Customer receivables are considered delinquent if a payment has not been received on the scheduled due date. Accounts that are delinquent more than 209 days as of the end of a month are charged-off against the allowance for doubtful accounts and interest accrued subsequent to the last payment is reversed and charged against the allowance for uncollectible interest. In an effort to mitigate losses on our accounts receivable, we may make loan modifications to a borrower experiencing financial difficulty. In our role as servicer, we may also make modifications to loans held by the VIEs. The loan modifications are intended to maximize net cash flow after expenses and avoid the need to repossess collateral or exercise legal remedies available to us. We may extend or "re-age" a portion of our customer accounts, which involve modifying the payment terms to defer a portion of the cash payments due. Our re-aging of customer accounts does not change the interest rate or the total amount due from the customer and typically does not reduce the monthly contractual payments. To a much lesser extent, we may provide the customer the ability to re-age their obligation by refinancing the account, which does not change the interest rate or the total amount due from the customer but does reduce the monthly contractual payments. We consider accounts that have been re-aged in excess of three months or refinanced as Troubled Debt Restructurings ("TDR" or "Restructured Accounts"). Allowance for doubtful accounts. We establish an allowance for doubtful accounts, including estimated uncollectible interest, to cover probable and estimable losses on our customer accounts receivable resulting from the failure of customers to make contractual payments. Our customer portfolio balance consists of a large number of relatively small, homogeneous accounts. None of our accounts are large enough to warrant individual evaluation for impairment. We record an allowance for doubtful accounts for our non-TDR customer accounts receivable that we expect to charge-off over the next twelve months based on our historical cash collection and net loss experience using a projection of monthly delinquency performance, cash collections and losses. In addition to pre-charge-off cash collections and charge-off information, estimates of post-charge-off recoveries, including cash payments, amounts realized from the repossession of the products financed and payments received under credit insurance policies are also considered. We determine allowances for those accounts that are TDR based on the discounted present value of cash flows expected to be collected over the life of those accounts. The excess of the carrying amount over the discounted cash flow amount is recorded as an allowance for loss on those accounts. Interest income on customer accounts receivable. Interest income is accrued using the interest method for installment contracts and is reflected in finance charges and other revenues. Typically, interest income is accrued until the customer account is paid off or charged-off, and we provide an allowance for estimated uncollectible interest. Interest income on installment contracts with our customers is based on the rule of 78s. In order to convert the interest income recognized to the interest method, we have recorded the excess earnings of rule of 78s over the interest method as deferred revenue on our balance sheets. Our calculation of interest income also includes an estimate of the benefit from future prepayments based on our historical experience. The deferred interest will ultimately be brought into income as the accounts pay off or charge-off. At April 30, 2016 and January 31, 2016 , there were $5.8 million and $5.2 million , respectively, of deferred interest included in deferred revenues and other credits and other long-term liabilities. We offer 12-month, no-interest finance programs. If the customer is delinquent in making a scheduled monthly payment or does not repay the principal in full by the end of the no-interest program period (grace periods are provided), the account does not qualify for the no-interest provision and none of the interest earned is waived. Interest income is recognized based on our historical experience related to customers that fail to satisfy the requirements of the programs. We previously offered 18- and 24-month equal-payment, no-interest finance programs to certain higher credit quality borrowers, which were discounted to their present value at origination, resulting in a reduction in sales and customer receivables, and the discount amount is amortized into finance charges and other revenues over the term of the contract. If a customer is delinquent in making a scheduled monthly payment (grace periods are provided), the account begins accruing interest based on the contract rate from the date of the last payment made. We recognize interest income on TDR accounts using the interest income method, which requires reporting interest income equal to the increase in the net carrying amount of the loan attributable to the passage of time. Cash proceeds and other adjustments are applied to the net carrying amount such that it always equals the present value of expected future cash flows. We typically only place accounts in non-accrual status when legally required. Payments received on non-accrual loans will be applied to principal and reduce the amount of the loan. Interest accrual is resumed on those accounts once a legally-mandated settlement arrangement is reached or other payment arrangements are made with the customer. At April 30, 2016 and January 31, 2016 , customer receivables carried in non-accrual status were $21.9 million and $20.6 million , respectively. At April 30, 2016 and January 31, 2016 , customer receivables that were past due 90 days or more and still accruing interest totaled $98.7 million and $115.1 million , respectively. Income Taxes. For the three months ended April 30, 2016 , we utilized the actual effective tax rate (discrete method) in determining income tax expense rather than the estimated annual effective tax rate, which we used for the three months ended April 30, 2015 , as we determined that small changes in the estimated fiscal 2017 pre-tax income would result in significant changes to the estimated annual effective tax rate. Fair Value of Financial Instruments. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Assets and liabilities recorded at fair value are categorized using defined hierarchical levels related to subjectivity associated with the inputs to fair value measurements as follows: • Level 1 – Quoted prices available in active markets for identical assets or liabilities • Level 2 – Pricing inputs not quoted in active markets but either directly or indirectly observable • Level 3 – Significant inputs to pricing that have little or no transparency with inputs requiring significant management judgment or estimation. The fair value of cash and cash equivalents, restricted cash, and accounts payable approximate their carrying amounts because of the short maturity of these instruments. The fair value of customer accounts receivables, determined using a Level 3 discounted cash flow analysis, approximates their carrying amount. The fair value of our revolving credit facility approximates carrying value based on the current borrowing rate for similar types of borrowing arrangements. At April 30, 2016 , the fair value of our Senior Notes, which was determined using Level 1 inputs, was $186.7 million as compared to the carrying value of $227.0 million , excluding the impact of the related discount. At April 30, 2016 , the fair value of the VIE's Class A Notes and Class B Notes, which were determined using Level 2 inputs based on inactive trading activity, approximates their carrying value. Reclassifications. Certain reclassifications have been made to prior fiscal year amounts to conform to the presentation in the current fiscal year. On the consolidated balance sheets, as of January 31, 2016 , we reclassified cash held by the VIEs as additional collateral for the asset-backed notes out of current restricted cash and separately presented as long-term restricted cash. These reclassifications did not impact consolidated operating income or net income. Recent Accounting Pronouncements. In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2014-09, Revenue from Contracts with Customers , which provides a single comprehensive accounting standard for revenue recognition for contracts with customers and supersedes current guidance. Upon adoption of ASU 2014-09, entities are required to recognize revenue using the following comprehensive model: (1) identify contracts with customers, (2) identify the performance obligations in contracts, (3) determine transaction price, (4) allocate the transaction price to the performance obligations, and (5) recognize revenue as each performance obligation is satisfied. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers: Deferral of Effective Date , which defers the effective date of ASU 2014-09 by one year and allows early adoption on a limited basis. ASU 2014-09 is now effective for us beginning in the first quarter of fiscal year 2019 and will result in retrospective application, either in the form of recasting all prior periods presented or a cumulative adjustment to equity in the period of adoption. We are currently assessing the impact the new standard will have on our financial statements. In February 2016, the FASB issued ASU 2016-02, Leases, which will change how lessees account for leases. For most leases, a liability will be recorded on the balance sheet based on the present value of future lease obligations with a corresponding right-of-use asset. Primarily for those leases currently classified by us as operating leases, we will recognize a single lease cost on a straight line basis based on the combined amortization of the lease obligation and the right-of-use asset. Other leases will be required to be accounted for as financing arrangements similar to how we currently account for capital leases. On transition, we will recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. The standard is effective for us beginning in the first quarter of fiscal year 2020. We are currently assessing the impact the new standard will have on our financial statements. In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting, which modifies the accounting for excess tax benefits and tax deficiencies associated with share-based payments, the accounting for forfeitures, and the classification of certain items on the statement of cash flows. ASU 2016-09 eliminates the requirement to recognize excess tax benefits in additional paid-in capital ("APIC"), and the requirement to evaluate tax deficiencies for APIC or income tax expense classification, and provides for these benefits or deficiencies to be recorded as an income tax expense or benefit in the income statement. With these changes, tax-related cash flows resulting from share-based payments will be classified as operating activities as opposed to financing, as currently presented. The standard is effective for us in the first quarter of fiscal year 2018, although early adoption is permitted. We are currently assessing the impact the new standard will have on our financial statements.

Charges and Credits

Charges and Credits	3 Months Ended
	Apr. 30, 2016
Charges and Credits [Abstract]
Charges and Credits	Charges and Credits Charges and credits consisted of the following: Three Months Ended (in thousands) 2016 2015 Store and facility closure costs $ — $ 425 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 454 194 Executive management transition costs 72 — $ 526 $ 619 During the three months ended April 30, 2016 , we had costs associated with legal and professional fees related to our securities-related litigation and transition costs due to changes in the executive management team. During the three months ended April 30, 2015 , we had costs associated with the closing of under-performing retail locations and with legal and professional fees related to our exploration of strategic alternatives and our securities-related litigation.

Supplemental Disclosure of Fina

Supplemental Disclosure of Finance Charges and Other Revenue	3 Months Ended
	Apr. 30, 2016
Supplemental Disclosure of Finance Charges and Other Revenue [Abstract]
Finance Charges And Other Revenue Disclosure [Text Block]	Finance Charges and Other Revenues Finance charges and other revenues consisted of the following: Three Months Ended (in thousands) 2016 2015 Interest income and fees $ 60,621 $ 55,419 Insurance commissions 9,457 11,029 Other revenues 493 149 $ 70,571 $ 66,597 Interest income and fees and insurance commissions are derived from the credit segment operations, whereas other revenues are derived from the retail segment operations. For the three months ended April 30, 2016 and 2015 , interest income and fees was reduced by provisions for uncollectible interest of $10.0 million and $8.5 million , respectively. For the three months ended April 30, 2016 and 2015 , the amount included in interest income and fees related to TDR accounts was $4.1 million and $3.2 million , respectively.
Allowance for doubtful accounts and uncollectible interest for customer receivables	Customer accounts receivable consisted of the following: Total Outstanding Balance Customer Accounts Receivable 60 Days Past Due (1) Re-aged (1) (in thousands) April 30, January 31, April 30, January 31, April 30, January 31, Customer accounts receivable $ 1,413,942 $ 1,470,205 $ 106,027 $ 127,400 $ 104,493 $ 112,221 Restructured accounts 123,546 117,651 26,591 30,323 123,546 117,651 Total customer portfolio balance 1,537,488 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 Allowance for uncollectible accounts (195,129 ) (190,990 ) Allowances for no-interest option credit programs (18,391 ) (21,290 ) Total customer accounts receivable, net 1,323,968 1,375,576 Short-term portion of customer accounts receivable, net (727,079 ) (743,931 ) Long-term portion of customer accounts receivable, net $ 596,889 $ 631,645 Securitized receivables held by the VIE $ 1,207,245 $ 870,684 $ 132,517 $ 135,800 $ 222,447 $ 204,594 Receivables not held by the VIE 330,243 717,172 101 21,923 5,592 25,278 Total customer portfolio balance $ 1,537,488 $ 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 (1) Due to the fact that an account can become past due after having been re-aged, accounts could be represented as both past due and re-aged. As of April 30, 2016 and January 31, 2016 , the amounts included within both past due and re-aged was $48.0 million and $55.2 million , respectively. As of April 30, 2016 and January 31, 2016 , the total customer portfolio balance past due one day or greater was $350.1 million and $387.3 million , respectively. These amounts include the 60 days past due balances shown.

Customer Accounts Receivable

Customer Accounts Receivable	3 Months Ended
	Apr. 30, 2016
Receivables [Abstract]
Customer Accounts Receivable	Customer Accounts Receivable Customer accounts receivable consisted of the following: Total Outstanding Balance Customer Accounts Receivable 60 Days Past Due (1) Re-aged (1) (in thousands) April 30, January 31, April 30, January 31, April 30, January 31, Customer accounts receivable $ 1,413,942 $ 1,470,205 $ 106,027 $ 127,400 $ 104,493 $ 112,221 Restructured accounts 123,546 117,651 26,591 30,323 123,546 117,651 Total customer portfolio balance 1,537,488 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 Allowance for uncollectible accounts (195,129 ) (190,990 ) Allowances for no-interest option credit programs (18,391 ) (21,290 ) Total customer accounts receivable, net 1,323,968 1,375,576 Short-term portion of customer accounts receivable, net (727,079 ) (743,931 ) Long-term portion of customer accounts receivable, net $ 596,889 $ 631,645 Securitized receivables held by the VIE $ 1,207,245 $ 870,684 $ 132,517 $ 135,800 $ 222,447 $ 204,594 Receivables not held by the VIE 330,243 717,172 101 21,923 5,592 25,278 Total customer portfolio balance $ 1,537,488 $ 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 (1) Due to the fact that an account can become past due after having been re-aged, accounts could be represented as both past due and re-aged. As of April 30, 2016 and January 31, 2016 , the amounts included within both past due and re-aged was $48.0 million and $55.2 million , respectively. As of April 30, 2016 and January 31, 2016 , the total customer portfolio balance past due one day or greater was $350.1 million and $387.3 million , respectively. These amounts include the 60 days past due balances shown. The following presents the activity in the allowance for doubtful accounts and uncollectible interest for customer receivables: Three Months Ended April 30, 2016 Three Months Ended April 30, 2015 (in thousands) Customer Accounts Receivable Restructured Accounts Total Customer Accounts Receivable Restructured Accounts Total Allowance at beginning of period $ 149,226 $ 41,764 $ 190,990 $ 118,786 $ 28,196 $ 146,982 Provision (1) 52,924 14,937 67,861 43,011 12,950 55,961 Principal charge-offs (2) (45,634 ) (10,097 ) (55,731 ) (35,725 ) (7,072 ) (42,797 ) Interest charge-offs (8,129 ) (1,798 ) (9,927 ) (6,598 ) (1,306 ) (7,904 ) Recoveries (2) 1,585 351 1,936 957 190 1,147 Allowance at end of period $ 149,972 $ 45,157 $ 195,129 $ 120,431 $ 32,958 $ 153,389 Average total customer portfolio balance $ 1,438,442 $ 121,447 $ 1,559,889 $ 1,274,281 $ 92,985 $ 1,367,266 (1) Includes provision for uncollectible interest, which is included in finance charges and other revenues. (2) Charge-offs include the principal amount of losses (excluding accrued and unpaid interest). Recoveries include principal collections of previously charged-off balances. Net charge-offs are calculated as the net of principal charge-offs and recoveries.

Accrual for Store Closures

Accrual for Store Closures	3 Months Ended
	Apr. 30, 2016
Restructuring and Related Activities [Abstract]
Accrual for Store Closures	Accrual for Store Closures We have closed or relocated retail locations that did not perform at a level we expect for mature store locations. Certain of the closed or relocated stores had noncancelable lease agreements, resulting in the accrual of the present value of the remaining lease payments and estimated related occupancy obligations, net of estimated sublease income. Adjustments to these projections for changes in estimated marketing times and sublease rates, as well as other revisions, are made to the obligation as further information related to the actual terms and costs become available. The following table presents detail of the activity in the accrual for store closures: Three Months Ended (in thousands) 2016 2015 Balance at beginning of period $ 1,866 $ 2,556 Accrual for additional closures — 318 Adjustments (15 ) 32 Cash payments, net of sublease income (163 ) (556 ) Balance at end of period 1,688 2,350 Current portion, included in accrued expenses (643 ) (741 ) Long-term portion, included in other long-term liabilities $ 1,045 $ 1,609

Debt and Letters of Credit

Debt and Letters of Credit	3 Months Ended
	Apr. 30, 2016
Debt Disclosure [Abstract]
Debt and Letters of Credit	Debt and Capital Lease Obligations Debt and capital lease obligations consisted of the following: (in thousands) April 30, January 31, Revolving credit facility $ 77,865 $ 329,207 Senior Notes 227,000 227,000 2015-A Class A Notes 344,688 551,383 2015-A Class B Notes 165,900 165,900 2016-A Class A Notes 340,086 — 2016-A Class B Notes 70,510 — Capital lease obligations 2,264 2,488 Total debt and capital lease obligations 1,228,313 1,275,978 Less: Unamortized discounts and debt issuance costs (24,183 ) (26,300 ) Current maturities of capital lease obligations (769 ) (799 ) Long-term debt and capital lease obligations $ 1,203,361 $ 1,248,879 Senior Notes. We have outstanding unsecured Senior Notes due July 2022 bearing interest at 7.250% , pursuant to an indenture dated July 1, 2014 (the "Indenture") among Conn's, Inc., its subsidiary guarantors (the "Guarantors") and U.S. Bank National Association, as trustee. The effective interest rate of the Senior Notes after giving effect to offering fees and debt discount is 7.8% . The Indenture restricts the Company's and certain of its subsidiaries' ability to: (i) incur indebtedness; (ii) pay dividends or make other distributions in respect of, or repurchase or redeem, our capital stock ("restricted payments"); (iii) prepay, redeem or repurchase debt that is junior in right of payment to the notes; (iv) make loans and certain investments; (v) sell assets; (vi) incur liens; (vii) enter into transactions with affiliates; and (viii) consolidate, merge or sell all or substantially all of our assets. These covenants are subject to a number of important exceptions and qualifications. Specifically, limitations for restricted payments are triggered only if one or more of the following occurred: (1) a default were to exist under the indenture, (2) if we could not satisfy a debt incurrence test, and (3) if the aggregate amount of restricted payments would exceed an amount tied to the consolidated net income. These limitations, however, are subject to two exceptions: (1) an exception that permits the payment of up to $375.0 million in restricted payments, and (2) an exception that permits restricted payments regardless of dollar amount so long as, after giving pro forma effect to the dividends and other restricted payments, we would have a leverage ratio, as defined under the Indenture, less than or equal to 2.50 to 1.00 . Thus, as of April 30, 2016 , $192.7 million would have been free from the dividend restriction. However, as a result of the revolving credit facility dividend restrictions, which are further described below, no amount was available for dividends. During any time when the Senior Notes are rated investment grade by either of Moody's Investors Service, Inc. or Standard & Poor's Ratings Services and no default (as defined in the Indenture) has occurred and is continuing, many of such covenants will be suspended and we will cease to be subject to such covenants during such period. Events of default under the Indenture include customary events, such as a cross-acceleration provision in the event that we default in the payment of other debt due at maturity or upon acceleration for default in an amount exceeding $25.0 million , as well as in the event a judgment is entered against us in excess of $25.0 million that is not discharged, bonded or insured. Asset-backed Notes. In September 2015, the 2015 VIE issued asset-backed notes secured by the transferred customer accounts receivables and restricted cash held by the 2015 VIE. The asset-backed notes consist of the following securities: • Asset-backed Fixed Rate Notes, Class A, Series 2015-A ("2015-A Class A Notes") in aggregate principal amount of $952.1 million that bear interest at a fixed annual rate of 4.565% and mature on September 15, 2020. The effective interest rate of the 2015-A Class A Notes after giving effect to offering fees is 7.7% . • Asset-backed Fixed Rate Notes, Class B, Series 2015-A ("2015-A Class B Notes") in aggregate principal amount of $165.9 million that bear interest at a fixed annual rate of 8.500% and mature on September 15, 2020. The effective interest rate of the 2015-A Class B Notes after giving effect to offering fees is 13.4% . The 2015-A Class A Notes and 2015-A Class B Notes were offered and sold to qualified institutional buyers pursuant to the exemptions from registration provided by Rule 144A under the Securities Act. If an event of default were to occur under the indenture that governs the notes, the payment of the outstanding amounts would be accelerated, in which event the cash proceeds of the receivables that otherwise might be released to us as the holder of the residual equity would instead be directed entirely toward repayment of the 2015-A Class A Notes and 2015-A Class B Notes. The holders of the notes have no recourse to assets outside of the 2015 VIE. Events of default include, but are not limited to, failure to make required payments on the notes or specified bankruptcy-related events. In March 2016, the 2016 VIE issued asset-backed notes secured by the transferred customer accounts receivables and restricted cash held by the 2016 VIE. The asset-backed notes consist of the following securities: • Asset-backed Fixed Rate Notes, Class A, Series 2016-A ("2016-A Class A Notes") in aggregate principal amount of $423.0 million that bear interest at a fixed annual rate of 4.680% and mature on April 16, 2018. The effective interest rate of the 2016-A Class A Notes after giving effect to offering fees is 6.9% . • Asset-backed Fixed Rate Notes, Class B, Series 2016-A ("2016-A Class B Notes") in aggregate principal amount of $70.5 million that bear interest at a fixed annual rate of 8.960% and mature on August 15, 2018. The effective interest rate of the 2016-A Class B Notes after giving effect to offering fees is 9.5% . The 2016-A Class A Notes and 2016-A Class B Notes were offered and sold to qualified institutional buyers pursuant to the exemptions from registration provided by Rule 144A under the Securities Act. If an event of default were to occur under the indenture that governs the notes, the payment of the outstanding amounts would be accelerated, in which event the cash proceeds of the receivables that otherwise might be released to us as the holder of a third class of asset-backed notes issued by the 2016 VIE ("2016-A Class C Notes") and the residual equity would instead be directed entirely toward repayment of the 2016-A Class A Notes and 2016-A Class B Notes. The holders of the notes have no recourse to assets outside of the 2016 VIE. Events of default include, but are not limited to, failure to make required payments on the notes or specified bankruptcy-related events. Revolving Credit Facility. On October 30, 2015, Conn's, Inc. and certain of its subsidiaries (the "Borrowers") entered into the Third Amended and Restated Loan and Security Agreement with a syndicate of banks that provides for an $810.0 million asset-based revolving credit facility (the "revolving credit facility") under which availability is subject to a borrowing base. The revolving credit facility matures on October 30, 2018. On February 16, 2016, the Borrowers entered into a first amendment to the revolving credit facility, which resulted in various changes, including: • Excluding non-cash deferred amortization of debt related transaction costs from interest coverage ratio; and • Extending from 6 months to 18 months the time frame subsequent to the closing of a securitization transaction in which the Cash Recovery Percent covenant will be determined. On May 18, 2016, the Borrowers entered into a second amendment to the revolving credit facility, which resulted in various changes, including: • Amending the minimum interest coverage ratio covenant to: ◦ Eliminate the minimum interest coverage ratio covenant for the first quarter of fiscal 2017; ◦ Reduce the minimum interest coverage ratio covenant to 1.0 x for the second quarter of fiscal 2017 through the first quarter of fiscal 2018; and ◦ Reduce the minimum interest coverage ratio covenant to 1.25 x for the second quarter of fiscal 2018 through the third quarter of fiscal 2019. • Modifying the conditions for repurchases of the Company's common stock, including the addition of a requirement to achieve a minimum interest coverage ratio of 2.5 x for two consecutive quarters; and • Reducing the borrowing base by $15.0 million beginning on May 31, 2016 through June 30, 2017, reducing the borrowing base by $10.0 million for any month beginning with July 31, 2017 that the interest coverage ratio is at least 1.25 x, and no borrowing base reduction at any time the interest coverage ratio is at least 2.0 x for two consecutive quarters. As of April 30, 2016 , loans under the revolving credit facility bear interest, at our option, at a rate of LIBOR plus a margin ranging from 2.5% to 3.0% per annum (depending on quarterly average net availability under the borrowing base) or the alternate base rate plus a margin ranging from 1.5% to 2.0% per annum (depending on quarterly average net availability under the borrowing base). Pursuant to the second amendment, the margins increased by 25 basis points subsequent to April 30, 2016 . The alternate base rate is the greater of the prime rate announced by Bank of America, N.A., the federal funds rate plus 0.5% , or LIBOR for a 30-day interest period plus 1.0% . The weighted average interest rate on borrowings outstanding under the revolving credit facility was 4.9% for the three months ended April 30, 2016 . We also pay an unused fee on the portion of the commitments that are available for future borrowings or letters of credit at a rate ranging from 0.25% to 0.75% per annum, depending on the outstanding balance and letters of credit of the revolving credit facility. The revolving credit facility provides funding based on a borrowing base calculation that includes customer accounts receivable and inventory, and provides for a $40.0 million sub-facility for letters of credit to support obligations incurred in the ordinary course of business. The obligations under the revolving credit facility are secured by substantially all assets of the Company, excluding the assets of the VIEs. As of April 30, 2016 , we had immediately available borrowing capacity of $161.9 million under our revolving credit facility, net of standby letters of credit issued of $2.6 million . We also had $567.6 million that may become available under our revolving credit facility if we grow the balance of eligible customer receivables and our total eligible inventory balances. The revolving credit facility places restrictions on our ability to incur additional indebtedness, grant liens on assets, make distributions on equity interests, dispose of assets, make loans, pay other indebtedness, engage in mergers, and other matters. The revolving credit facility restricts our ability to make dividends and distributions unless no event of default exists and a liquidity test is satisfied. Subsidiaries of the Company may make dividends and distributions to the Company and other obligors under the revolving credit facility without restriction. As of April 30, 2016 , under the revolving credit facility, as amended, no amount was available for dividends. The revolving credit facility contains customary default provisions, which, if triggered, could result in acceleration of all amounts outstanding under the revolving credit facility. Debt covenants. We were in compliance with our debt covenants, as amended, at April 30, 2016 . A summary of the significant financial covenants that govern our revolving credit facility, as amended, compared to our actual compliance status at April 30, 2016 is presented below: Actual Required Minimum/ Maximum Leverage Ratio must not exceed maximum 2.52:1.00 4.00:1.00 ABS Excluded Leverage Ratio must not exceed maximum 1.01:1.00 2.00:1.00 Cash Recovery Percent must exceed stated amount 5.47% 4.50% Capital Expenditures, net, must not exceed maximum $37.1 million $75.0 million All capitalized terms in the above table are defined by the revolving credit facility, as amended, and may or may not agree directly with the financial statement captions in this document. Compliance with the covenants is calculated quarterly, except for the Cash Recovery Percent, which is calculated monthly on a trailing three-month basis, and Capital Expenditures, which is calculated for a period of four consecutive fiscal quarters, as of the end of each fiscal quarter. The revolving credit facility provides for 18 months subsequent to the closing of a securitization transaction in which the Cash Recovery Percent will be determined based on the portfolio of contracts subject to the (i) securitization facilities; and (ii) a lien under the revolving credit facility.

Contingencies

Contingencies	3 Months Ended
	Apr. 30, 2016
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies Securities Class Action Litigation. We and one of our current and one of our former executive officers are defendants in a consolidated securities class action lawsuit pending in the United States District Court for the Southern District of Texas (the "Court"), In re Conn's Inc. Securities Litigation, Cause No. 14-CV-00548 (the "Consolidated Securities Action"). The Consolidated Securities Action started as three separate purported securities class action lawsuits filed between March 5, 2014 and May 5, 2014 in the Court that were consolidated into the Consolidated Securities Action on June 3, 2014. The plaintiffs in the Consolidated Securities Action allege that the defendants made false and misleading statements and/or failed to disclose material adverse facts about our business, operations, and prospects. They allege violations of sections 10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder and seek to certify a class of all persons and entities that purchased or otherwise acquired Conn's common stock and/or call options, or sold/wrote Conn's put options between April 3, 2013 and December 9, 2014. The complaint does not specify the amount of damages sought. On June 30, 2015, the Court held a hearing on the defendants' motion to dismiss plaintiffs' complaint. At the hearing, the Court dismissed Brian Taylor, a former executive officer, and certain other aspects of the complaint. The Court ordered the plaintiffs to further amend their complaint in accordance with its ruling, and the plaintiffs filed their Fourth Consolidated Amended Complaint on July 21, 2015. The remaining defendants filed a motion to dismiss on August 28, 2015. The briefing on the defendants' motion to dismiss was fully briefed and the Court held a hearing on defendants' motion over the course of two days, on March 25, 2016 and March 29, 2016. On May 6, 2016, the Court granted in part and denied in part defendants' motion to dismiss the plaintiffs' complaint. Thereafter, the defendants filed a motion requesting the Court's decision be certified for interlocutory appeal to the United States Fifth Circuit Court of Appeals. The Court has not yet ruled on that motion. The defendants intend to vigorously defend against all of these claims. It is not possible at this time to predict the timing or outcome of any of this litigation, and we cannot reasonably estimate the possible loss or range of possible loss from these claims. Derivative Litigation. On December 1, 2014, an alleged shareholder filed, purportedly on behalf of the Company, a derivative shareholder lawsuit against us and certain of our current and former directors and executive officers in the Court captioned Robert Hack, derivatively on behalf of Conn's, Inc., v. Theodore M. Wright (former executive officer and former director), Bob L. Martin, Jon E.M. Jacoby (former director), Kelly M. Malson, Douglas H. Martin, David Schofman, Scott L. Thompson (former director), Brian Taylor (former executive officer) and Michael J. Poppe and Conn's, Inc., Case No. 4:14-cv-03442 (the "Original Derivative Action"). The complaint asserts claims for breach of fiduciary duty, unjust enrichment, gross mismanagement, and insider trading based on substantially similar factual allegations as those asserted in the Consolidated Securities Action. The plaintiff seeks unspecified damages against these persons and does not request any damages from us. Setting forth substantially similar claims against the same defendants, on February 25, 2015 an additional federal derivative action, captioned 95250 Canada LTEE, derivatively on Behalf of Conn's, Inc. v. Wright et al., Cause No. 4:15-cv-00521, was filed in the Court, which has been consolidated with the Original Derivative Action. The Court approved a stipulation among the parties to stay the action pending resolution of the motion to dismiss in the Consolidated Securities Action, and the parties have requested that the Court extend the stay in the Original Derivative Action pending the Court's ruling on the defendants' motion for certification for interlocutory appeal. Another derivative action was filed on January 27, 2015, captioned, Richard A. Dohn v. Wright, et al., Cause No. 2015-04405, filed in the 281 st Judicial District Court, Harris County, Texas. This action makes substantially similar allegations to the Original Derivative Action against the same defendants. The stay, which the parties agreed to put in place pending resolution of the motion to dismiss, is still in place. On May 19, 2016, an alleged shareholder, filed, purportedly on behalf of the Company, a lawsuit against us and certain of our current and former directors and executive officers in the 55 th Judicial District Court, Harris County, Texas captioned Robert J. Casey II, derivatively on behalf of Conn's, Inc., v. Theodore M. Wright (former executive officer and former director), Michael J. Poppe, Brian Taylor (former executive officer), Bob L. Martin, Jon E.M. Jacoby (former director), Kelly M. Malson, Douglas H. Martin, David Schofman, Scott L. Thompson (former director) and William E. Saunders Jr., and Conn's, Inc., Cause No. 2016-33135. The complaint asserts claims for breach of fiduciary duties and unjust enrichment based on substantially similar factual allegations as those asserted in the Original Derivative Action. The complaint does not specify the amount of damages sought. None of the plaintiffs in any of the derivative actions made a demand on our Board of Directors prior to filing their respective lawsuits. The defendants in the derivative actions intend to vigorously defend against these claims and we cannot reasonably estimate the possible loss or range of possible loss from these claims. Regulatory Matters. We are continuing to cooperate with the SEC's investigation, which began on or around November 2014, which generally relates to our underwriting policies and bad debt provisions. The investigation is a non-public, fact-finding inquiry and the SEC has stated that the investigation does not mean that any violations of law have occurred. In addition, we are involved in other routine litigation and claims incidental to our business from time to time which, individually or in the aggregate, are not expected to have a material adverse effect on our financial position, results of operations or cash flows. As required, we accrue estimates of the probable costs for the resolution of these matters. These estimates have been developed in consultation with counsel and are based upon an analysis of potential results, assuming a combination of litigation and settlement strategies. However, the results of these proceedings cannot be predicted with certainty and changes in facts and circumstances could impact our estimate of reserves for litigation.

Variable Interest Entity Variab

Variable Interest Entity Variable Interest Entity	3 Months Ended
	Apr. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable Interest Entity	Variable Interest Entities The VIEs have issued asset-backed notes secured by the transferred customer accounts receivables and restricted cash held by the VIEs. Under the terms of the securitization transactions, the customer receivable principal and interest payment cash flows will go first to the servicer and the holders of issued notes, and then to us as the holder of the 2016-A Class C Notes and residual equities. We retain the servicing of the securitized portfolios and are receiving a monthly fee of 4.75% (annualized) based on the outstanding balance of the securitized receivables. In addition, we, rather than the VIEs, will retain all credit insurance income together with certain recoveries related to credit insurance and repair service agreements on charge-offs of the securitized receivables, which will continue to be reflected as a reduction of net charge-offs on a consolidated basis for as long as we consolidate the VIEs. The following presents the assets and liabilities held by the VIEs and that are included in our consolidated balance sheet (for legal purposes, the assets and liabilities of the VIEs will remain distinct from Conn's, Inc.): (in thousands) April 30, January 31, Assets: Restricted cash $ 119,074 $ 78,576 Due from Conn's, Inc. 4,094 3,405 Customer accounts receivable: Customer accounts receivable 1,088,625 763,278 Restructured accounts 118,620 107,406 Allowance for uncollectible accounts (172,297 ) (136,325 ) Allowances for no-interest option credit programs (16,701 ) (12,955 ) Total customer accounts receivable, net 1,018,247 721,404 Total assets $ 1,141,415 $ 803,385 Liabilities: Accrued interest $ 2,170 $ 1,636 Due to Conn's, Inc. 3,372 — Deferred interest income 4,706 3,042 Long-term debt: 2015-A Class A Notes 344,688 551,383 2015-A Class B Notes 165,900 165,900 2016-A Class A Notes 340,086 — 2016-A Class B Notes 70,510 — 921,184 717,283 Less unamortized discounts and debt issuance costs (15,983 ) (17,768 ) Total long-term debt 905,201 699,515 Total liabilities $ 915,449 $ 704,193 The assets of the VIEs serve as collateral for the obligations of the VIEs. The holders of the Class A Notes and Class B Notes have no recourse to assets outside of the VIEs.

Segment Reporting

Segment Reporting	3 Months Ended
	Apr. 30, 2016
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting Financial information by segment is presented in the following tables: Three Months Ended April 30, 2016 Three Months Ended April 30, 2015 (in thousands) Retail Credit Total Retail Credit Total Revenues: Furniture and mattress $ 105,306 $ — $ 105,306 $ 89,502 $ — $ 89,502 Home appliance 87,904 — 87,904 84,102 — 84,102 Consumer electronic 65,865 — 65,865 71,430 — 71,430 Home office 22,473 — 22,473 21,985 — 21,985 Other 4,942 — 4,942 4,607 — 4,607 Product sales 286,490 — 286,490 271,626 — 271,626 Repair service agreement commissions 28,185 — 28,185 23,796 — 23,796 Service revenues 3,867 — 3,867 3,057 — 3,057 Total net sales 318,542 — 318,542 298,479 — 298,479 Finance charges and other revenues 494 70,077 70,571 149 66,448 66,597 Total revenues 319,036 70,077 389,113 298,628 66,448 365,076 Costs and expenses: Cost of goods sold 204,466 — 204,466 187,133 — 187,133 Selling, general and administrative expenses (1) 79,983 33,264 113,247 68,227 27,448 95,675 Provision for bad debts 398 57,820 58,218 69 47,474 47,543 Charges and credits 526 — 526 619 — 619 Total costs and expense 285,373 91,084 376,457 256,048 74,922 330,970 Operating income (loss) 33,663 (21,007 ) 12,656 42,580 (8,474 ) 34,106 Interest expense — 25,896 25,896 — 9,428 9,428 Income (loss) before income taxes $ 33,663 $ (46,903 ) $ (13,240 ) $ 42,580 $ (17,902 ) $ 24,678 (1) Selling, general and administrative expenses include the direct expenses of the retail and credit operations, allocated overhead expenses and a charge to the credit segment to reimburse the retail segment for expenses it incurs related to occupancy, personnel, advertising and other direct costs of the retail segment that benefit the credit operations by sourcing credit customers and collecting payments. The reimbursement received by the retail segment from the credit segment is estimated using an annual rate of 2.5% times the average portfolio balance for each applicable period. For the three months ended April 30, 2016 and 2015 , the amount of overhead allocated to each segment was $5.7 million and $3.5 million , respectively. For the three months ended April 30, 2016 and 2015 , the amount of reimbursement made to the retail segment by the credit segment were $9.7 million and $8.5 million , respectively.

Guarantor Financial Information

Guarantor Financial Information (Notes)	3 Months Ended
	Apr. 30, 2016
Condensed Balance Sheet Statements, Captions [Line Items]
Condensed Balance Sheet [Table Text Block]	10. Guarantor Financial Information Conn's, Inc. is a holding company with no independent assets or operations other than its investments in its subsidiaries. The Senior Notes, which were issued by Conn's, Inc., are fully and unconditionally guaranteed on a joint and several senior unsecured basis by the Guarantors. The direct or indirect subsidiaries of Conn's, Inc. that are not Guarantors are the VIE and minor subsidiaries. Prior to transferring the securitized customer receivables to the 2015 VIE in September 2015, the only direct or indirect subsidiaries of Conn's, Inc. that were not Guarantors were minor subsidiaries. There are no restrictions under the Indenture on the ability of any of the Guarantors to transfer funds to Conn's, Inc. in the form of loans, advances or dividends, except as provided by applicable law. The following financial information presents the condensed consolidated balance sheet, statement of operations, and statement of cash flows for Conn's, Inc. (the issuer of the Senior Notes), the Guarantor Subsidiaries, and the Non-guarantor Subsidiaries, together with certain eliminations. Condensed Consolidated Balance Sheet as of April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 11,542 $ — $ — $ 11,542 Restricted cash — — 94,072 — 94,072 Customer accounts receivable, net of allowance — 125,598 601,481 — 727,079 Other accounts receivable — 84,558 — — 84,558 Inventories — 181,543 — — 181,543 Other current assets 15,393 19,300 4,094 (4,094 ) 34,693 Total current assets 15,393 422,541 699,647 (4,094 ) 1,133,487 Investment in and advances to subsidiaries 667,147 225,244 — (892,391 ) — Long-term portion of customer accounts receivable, net of allowance — 180,123 416,766 — 596,889 Long-term restricted cash — — 25,002 — 25,002 Property and equipment, net — 163,626 — — 163,626 Deferred income taxes 69,264 — — — 69,264 Other assets — 8,557 — — 8,557 Total assets $ 751,804 $ 1,000,091 $ 1,141,415 $ (896,485 ) $ 1,996,825 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 769 $ — $ — $ 769 Accounts payable — 97,515 — — 97,515 Accrued expenses 2,789 38,941 5,542 (3,372 ) 43,900 Other current liabilities — 17,717 2,580 — 20,297 Total current liabilities 2,789 154,942 8,122 (3,372 ) 162,481 Deferred rent — 82,848 — — 82,848 Long-term debt and capital lease obligations 218,800 79,360 905,201 — 1,203,361 Other long-term liabilities — 15,794 2,126 — 17,920 Total liabilities 221,589 332,944 915,449 (3,372 ) 1,466,610 Stockholders' equity: Common stock 307 — — — 307 Additional paid-in capital 86,891 177,509 250,384 (427,893 ) 86,891 Retained earnings 443,017 489,638 (24,418 ) (465,220 ) 443,017 Total stockholders' equity 530,215 667,147 225,966 (893,113 ) 530,215 Total liabilities and stockholders' equity $ 751,804 $ 1,000,091 $ 1,141,415 $ (896,485 ) $ 1,996,825 Condensed Consolidated Balance Sheet as of January 31, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 12,254 $ — $ — $ 12,254 Restricted cash — — 64,151 — 64,151 Customer accounts receivable, net of allowance — 353,781 390,150 — 743,931 Other accounts receivable — 95,404 — — 95,404 Inventories — 201,969 — — 201,969 Other current assets 10,774 20,092 3,405 (3,405 ) 30,866 Total current assets 10,774 683,500 457,706 (3,405 ) 1,148,575 Investment in and advances to subsidiaries 676,492 95,787 — (772,279 ) — Long-term portion of customer accounts receivable, net of allowance — 300,391 331,254 — 631,645 Long-term restricted cash — — 14,425 — 14,425 Property and equipment, net — 151,483 — — 151,483 Deferred income taxes 70,219 — — — 70,219 Other assets — 8,953 — — 8,953 Total assets $ 757,485 $ 1,240,114 $ 803,385 $ (775,684 ) $ 2,025,300 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 799 $ — $ — $ 799 Accounts payable — 86,797 — — 86,797 Accrued expenses 736 37,002 1,636 — 39,374 Other current liabilities — 17,510 1,645 — 19,155 Total current liabilities 736 142,108 3,281 — 146,125 Deferred rent — 74,559 — — 74,559 Long-term debt and capital lease obligations 218,468 330,896 699,515 — 1,248,879 Other long-term liabilities — 16,059 1,397 — 17,456 Total liabilities 219,204 563,622 704,193 — 1,487,019 Stockholders' equity: Common stock 306 — — — 306 Additional paid-in capital 85,209 179,995 112,200 (292,195 ) 85,209 Retained earnings 452,766 496,497 (13,008 ) (483,489 ) 452,766 Total stockholders' equity 538,281 676,492 99,192 (775,684 ) 538,281 Total liabilities and stockholders' equity $ 757,485 $ 1,240,114 $ 803,385 $ (775,684 ) $ 2,025,300 Condensed Consolidated Statement of Operations for the three months ended April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 318,542 $ — $ — $ 318,542 Finance charges and other revenues — 30,172 40,399 — 70,571 Servicing fee revenue — 17,135 — (17,135 ) — Total revenues — 365,849 40,399 (17,135 ) 389,113 Costs and expenses: Cost of goods sold — 204,466 — — 204,466 Selling, general and administrative expenses — 113,247 17,135 (17,135 ) 113,247 Provision for bad debts — 35,582 22,636 — 58,218 Charges and credits — 526 — — 526 Total costs and expenses — 353,821 39,771 (17,135 ) 376,457 Operating income — 12,028 628 — 12,656 Loss (income) from consolidated subsidiaries 6,859 11,410 — (18,269 ) — Interest expense 4,446 3,268 18,182 — 25,896 Income (loss) before income taxes (11,305 ) (2,650 ) (17,554 ) 18,269 (13,240 ) Provision (benefit) for income taxes (1,556 ) 4,209 (6,144 ) — (3,491 ) Net income (loss) $ (9,749 ) $ (6,859 ) $ (11,410 ) $ 18,269 $ (9,749 ) Condensed Consolidated Statement of Cash Flows for the three months ended April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (9,555 ) $ (201,353 ) $ 319,561 $ — $ 108,653 Cash flows from investing activities: Purchase of customer accounts receivables — — (478,080 ) 478,080 — Sale of customer accounts receivables — 478,080 — (478,080 ) — Purchase of property and equipment — (16,996 ) — — (16,996 ) Proceeds from sales of property — 696 — — 696 Net change in intercompany 9,169 — — (9,169 ) — Net cash provided by (used in) investing activities 9,169 461,780 (478,080 ) (9,169 ) (16,300 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 493,540 — 493,540 Payments on asset-backed notes — — (289,639 ) — (289,639 ) Changes in restricted cash balances — — (40,498 ) — (40,498 ) Borrowings from revolving credit facility — 170,393 — — 170,393 Payments on revolving credit facility — (421,735 ) — — (421,735 ) Repurchase of senior notes — — — — — Payment of debt issuance costs and amendment fees — (405 ) (4,884 ) — (5,289 ) Repurchase of common stock — — — — — Proceeds from stock issued under employee benefit plans 385 — — — 385 Net change in intercompany — (9,169 ) — 9,169 — Other 1 (223 ) — — (222 ) Net cash provided by (used in) financing activities 386 (261,139 ) 158,519 9,169 (93,065 ) Net change in cash and cash equivalents — (712 ) — — (712 ) Cash and cash equivalents, beginning of period — 12,254 — — 12,254 Cash and cash equivalents, end of period $ — $ 11,542 $ — $ — $ 11,542

Summary of Significant Accoun18

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Apr. 30, 2016
Accounting Policies [Abstract]
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restricted Cash. The restricted cash balance as of April 30, 2016 and January 31, 2016 includes $94.1 million and $64.2 million , respectively, of cash we collected as servicer on the securitized receivables that was remitted to the VIEs and $ 25.0 million and $14.4 million , respectively, of cash held by the VIEs as additional collateral for the asset-backed notes.
Trade and Other Accounts Receivable, Policy [Policy Text Block]	Customer accounts receivable. Customer accounts receivable reported in the consolidated balance sheet includes total receivables managed, including those transferred to the VIEs and those receivables not transferred to the VIEs. Customer accounts receivable are originated at the time of sale and delivery of the various products and services. Based on contractual terms, we record the amount of principal and accrued interest on customer receivables that is expected to be collected within the next twelve months in current assets with the remaining balance in long-term assets on the consolidated balance sheet. Customer receivables are considered delinquent if a payment has not been received on the scheduled due date. Accounts that are delinquent more than 209 days as of the end of a month are charged-off against the allowance for doubtful accounts and interest accrued subsequent to the last payment is reversed and charged against the allowance for uncollectible interest.
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]	In an effort to mitigate losses on our accounts receivable, we may make loan modifications to a borrower experiencing financial difficulty. In our role as servicer, we may also make modifications to loans held by the VIEs. The loan modifications are intended to maximize net cash flow after expenses and avoid the need to repossess collateral or exercise legal remedies available to us. We may extend or "re-age" a portion of our customer accounts, which involve modifying the payment terms to defer a portion of the cash payments due. Our re-aging of customer accounts does not change the interest rate or the total amount due from the customer and typically does not reduce the monthly contractual payments. To a much lesser extent, we may provide the customer the ability to re-age their obligation by refinancing the account, which does not change the interest rate or the total amount due from the customer but does reduce the monthly contractual payments. We consider accounts that have been re-aged in excess of three months or refinanced as Troubled Debt Restructurings ("TDR" or "Restructured Accounts").
Income Tax, Policy [Policy Text Block]	Income Taxes. For the three months ended April 30, 2016 , we utilized the actual effective tax rate (discrete method) in determining income tax expense rather than the estimated annual effective tax rate, which we used for the three months ended April 30, 2015 , as we determined that small changes in the estimated fiscal 2017 pre-tax income would result in significant changes to the estimated annual effective tax rate.
Basis of Presentation and Significant Accounting Policies [Text Block]	Basis of Presentation. The accompanying unaudited, condensed consolidated financial statements of Conn's, Inc. and its wholly-owned subsidiaries, including the VIEs (as defined below), have been prepared by management in accordance with accounting principles generally accepted in the United States for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, we do not include all of the information and footnotes required by accounting principles generally accepted in the United States for complete financial statements. The accompanying financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are of a normal recurring nature. The condensed consolidated financial position, results of operations and cash flows for these interim periods are not necessarily indicative of the results that may be expected in future periods. The balance sheet at January 31, 2016 has been derived from the audited financial statements at that date. The financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto included in our Annual Report on Form 10-K for the fiscal year ended January 31, 2016 , filed with the United States Securities and Exchange Commission (the "SEC") on March 29, 2016 .
Variable Interest Entity	Variable Interest Entities. In September 2015, we securitized $1.4 billion of customer accounts receivables by transferring the receivables to a bankruptcy-remote variable-interest entity (the "2015 VIE"). The 2015 VIE issued asset-backed notes at a face amount of $1.12 billion secured by the transferred portfolio balance, which resulted in net proceeds to us of approximately $1.08 billion , net of transaction costs and restricted cash held by the 2015 VIE. The net proceeds were used to pay down the entire balance on our revolving credit facility, to repurchase shares of the Company's common stock and Senior Notes, and for other general corporate purposes. In March 2016, we securitized $705.1 million of customer accounts receivables by transferring the receivables to a new bankruptcy-remote variable-interest entity (the "2016 VIE" or together with the 2015 VIE, the "VIEs"). The 2016 VIE issued two classes of asset-backed notes at a total face amount of $493.5 million secured by the transferred customer accounts receivables. This resulted in net proceeds to us of approximately $478.0 million , net of transaction costs and restricted cash held by the 2016 VIE. The net proceeds were used to pay down the entire balance on our revolving credit facility and for other general corporate purposes. We currently hold the residual equity of the VIEs as well as a third class of asset-backed notes of the 2016 VIE, of which we may elect to retain all or a portion of these interests if that is determined to be in our best economic interest. In addition, we retain the servicing of the securitized portfolios. We determined that we have a variable interest in both VIEs and we are the primary beneficiary because (i) our servicing responsibilities for the securitized portfolios give us the power to direct the activities that most significantly impact the performance of the VIEs, and (ii) our variable interest in the VIEs gives us the obligation to absorb losses and the right to receive residual returns that could potentially be significant. As a result, while holding all or a significant portion of the residual equity of the VIEs and the third class of asset-backed notes of the 2016 VIE, we will consolidate the VIEs within our financial statements. If we sell all or a significant portion of our interest, we will assess if the transaction achieves sale treatment for accounting purposes, which may result in deconsolidation of one or both of the VIEs. There is no assurance that we will complete a sale of all or a portion of our interest in the VIEs, and there is no assurance we will achieve sale treatment. As a result, we have determined that the securitized portfolios do not meet the criteria for treatment as an asset held for sale, which would require recording at the lower of cost, net of allowances, or fair value. We have not made an adjustment to the customer accounts receivable balance as a result of the transaction or in anticipation of any gain or loss that may occur should a sale of our interest in the VIEs be completed.
Principles of Consolidation	Principles of Consolidation. The consolidated financial statements include the accounts of Conn's, Inc. and its wholly-owned subsidiaries, including the VIEs. Conn's, Inc., a Delaware corporation, is a holding company with no independent assets or operations other than its investments in its subsidiaries. All intercompany transactions and balances have been eliminated in consolidation
Fiscal Period, Policy [Policy Text Block]	Fiscal Year. Our fiscal year ends on January 31. References to a fiscal year refer to the calendar year in which the fiscal year ends.
Use of Estimates	Use of Estimates. The preparation of financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The allowance for doubtful accounts, allowances for no-interest option credit programs, and deferred interest are particularly sensitive given the size of our customer portfolio balance.
Earnings per Share	Earnings per Share. Basic earnings per share is calculated by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share include the potential dilutive effects of any stock-based awards, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding used for the earnings per share calculations: Three Months Ended (in thousands) 2016 2015 Weighted average common shares outstanding - Basic 30,661 36,365 Dilutive effect of stock based awards — 515 Weighted average common shares outstanding - Diluted 30,661 36,880 For the three months ended April 30, 2016 and 2015 , the weighted average number of shares from stock based awards not included in the calculation due to their anti-dilutive effect was approximately 1.0 million and 0.4 million shares, respectively.
Receivables, Trade and Other Accounts Receivable, Allowance for Doubtful Accounts, Policy [Policy Text Block]	Allowance for doubtful accounts. We establish an allowance for doubtful accounts, including estimated uncollectible interest, to cover probable and estimable losses on our customer accounts receivable resulting from the failure of customers to make contractual payments. Our customer portfolio balance consists of a large number of relatively small, homogeneous accounts. None of our accounts are large enough to warrant individual evaluation for impairment. We record an allowance for doubtful accounts for our non-TDR customer accounts receivable that we expect to charge-off over the next twelve months based on our historical cash collection and net loss experience using a projection of monthly delinquency performance, cash collections and losses. In addition to pre-charge-off cash collections and charge-off information, estimates of post-charge-off recoveries, including cash payments, amounts realized from the repossession of the products financed and payments received under credit insurance policies are also considered. We determine allowances for those accounts that are TDR based on the discounted present value of cash flows expected to be collected over the life of those accounts. The excess of the carrying amount over the discounted cash flow amount is recorded as an allowance for loss on those accounts.
Interest Income on Customer Accounts Receivable [Policy Text Block]	Interest income on customer accounts receivable. Interest income is accrued using the interest method for installment contracts and is reflected in finance charges and other revenues. Typically, interest income is accrued until the customer account is paid off or charged-off, and we provide an allowance for estimated uncollectible interest. Interest income on installment contracts with our customers is based on the rule of 78s. In order to convert the interest income recognized to the interest method, we have recorded the excess earnings of rule of 78s over the interest method as deferred revenue on our balance sheets. Our calculation of interest income also includes an estimate of the benefit from future prepayments based on our historical experience. The deferred interest will ultimately be brought into income as the accounts pay off or charge-off. At April 30, 2016 and January 31, 2016 , there were $5.8 million and $5.2 million , respectively, of deferred interest included in deferred revenues and other credits and other long-term liabilities. We offer 12-month, no-interest finance programs. If the customer is delinquent in making a scheduled monthly payment or does not repay the principal in full by the end of the no-interest program period (grace periods are provided), the account does not qualify for the no-interest provision and none of the interest earned is waived. Interest income is recognized based on our historical experience related to customers that fail to satisfy the requirements of the programs. We previously offered 18- and 24-month equal-payment, no-interest finance programs to certain higher credit quality borrowers, which were discounted to their present value at origination, resulting in a reduction in sales and customer receivables, and the discount amount is amortized into finance charges and other revenues over the term of the contract. If a customer is delinquent in making a scheduled monthly payment (grace periods are provided), the account begins accruing interest based on the contract rate from the date of the last payment made. We recognize interest income on TDR accounts using the interest income method, which requires reporting interest income equal to the increase in the net carrying amount of the loan attributable to the passage of time. Cash proceeds and other adjustments are applied to the net carrying amount such that it always equals the present value of expected future cash flows. We typically only place accounts in non-accrual status when legally required. Payments received on non-accrual loans will be applied to principal and reduce the amount of the loan. Interest accrual is resumed on those accounts once a legally-mandated settlement arrangement is reached or other payment arrangements are made with the customer. At April 30, 2016 and January 31, 2016 , customer receivables carried in non-accrual status were $21.9 million and $20.6 million , respectively. At April 30, 2016 and January 31, 2016 , customer receivables that were past due 90 days or more and still accruing interest totaled $98.7 million and $115.1 million , respectively.
Fair Value of Financial Instruments	Fair Value of Financial Instruments. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Assets and liabilities recorded at fair value are categorized using defined hierarchical levels related to subjectivity associated with the inputs to fair value measurements as follows: • Level 1 – Quoted prices available in active markets for identical assets or liabilities • Level 2 – Pricing inputs not quoted in active markets but either directly or indirectly observable • Level 3 – Significant inputs to pricing that have little or no transparency with inputs requiring significant management judgment or estimation. The fair value of cash and cash equivalents, restricted cash, and accounts payable approximate their carrying amounts because of the short maturity of these instruments. The fair value of customer accounts receivables, determined using a Level 3 discounted cash flow analysis, approximates their carrying amount. The fair value of our revolving credit facility approximates carrying value based on the current borrowing rate for similar types of borrowing arrangements. At April 30, 2016 , the fair value of our Senior Notes, which was determined using Level 1 inputs, was $186.7 million as compared to the carrying value of $227.0 million , excluding the impact of the related discount. At April 30, 2016 , the fair value of the VIE's Class A Notes and Class B Notes, which were determined using Level 2 inputs based on inactive trading activity, approximates their carrying value.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements. In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2014-09, Revenue from Contracts with Customers , which provides a single comprehensive accounting standard for revenue recognition for contracts with customers and supersedes current guidance. Upon adoption of ASU 2014-09, entities are required to recognize revenue using the following comprehensive model: (1) identify contracts with customers, (2) identify the performance obligations in contracts, (3) determine transaction price, (4) allocate the transaction price to the performance obligations, and (5) recognize revenue as each performance obligation is satisfied. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers: Deferral of Effective Date , which defers the effective date of ASU 2014-09 by one year and allows early adoption on a limited basis. ASU 2014-09 is now effective for us beginning in the first quarter of fiscal year 2019 and will result in retrospective application, either in the form of recasting all prior periods presented or a cumulative adjustment to equity in the period of adoption. We are currently assessing the impact the new standard will have on our financial statements. In February 2016, the FASB issued ASU 2016-02, Leases, which will change how lessees account for leases. For most leases, a liability will be recorded on the balance sheet based on the present value of future lease obligations with a corresponding right-of-use asset. Primarily for those leases currently classified by us as operating leases, we will recognize a single lease cost on a straight line basis based on the combined amortization of the lease obligation and the right-of-use asset. Other leases will be required to be accounted for as financing arrangements similar to how we currently account for capital leases. On transition, we will recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. The standard is effective for us beginning in the first quarter of fiscal year 2020. We are currently assessing the impact the new standard will have on our financial statements. In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting, which modifies the accounting for excess tax benefits and tax deficiencies associated with share-based payments, the accounting for forfeitures, and the classification of certain items on the statement of cash flows. ASU 2016-09 eliminates the requirement to recognize excess tax benefits in additional paid-in capital ("APIC"), and the requirement to evaluate tax deficiencies for APIC or income tax expense classification, and provides for these benefits or deficiencies to be recorded as an income tax expense or benefit in the income statement. With these changes, tax-related cash flows resulting from share-based payments will be classified as operating activities as opposed to financing, as currently presented. The standard is effective for us in the first quarter of fiscal year 2018, although early adoption is permitted. We are currently assessing the impact the new standard will have on our financial statements.
Reclassifications [Text Block]	Reclassifications. Certain reclassifications have been made to prior fiscal year amounts to conform to the presentation in the current fiscal year. On the consolidated balance sheets, as of January 31, 2016 , we reclassified cash held by the VIEs as additional collateral for the asset-backed notes out of current restricted cash and separately presented as long-term restricted cash. These reclassifications did not impact consolidated operating income or net income.

Summary of Significant Accoun19

Summary of Significant Accounting Policies (Tables)	3 Months Ended
	Apr. 30, 2016
Accounting Policies [Abstract]
Shares outstanding for the earnings per share calculations	The following table sets forth the shares outstanding used for the earnings per share calculations: Three Months Ended (in thousands) 2016 2015 Weighted average common shares outstanding - Basic 30,661 36,365 Dilutive effect of stock based awards — 515 Weighted average common shares outstanding - Diluted 30,661 36,880

Charges and Credits (Tables)

Charges and Credits (Tables)	3 Months Ended
	Apr. 30, 2016
Charges and Credits [Abstract]
Schedule of Charges and Credits [Table Text Block]	Charges and credits consisted of the following: Three Months Ended (in thousands) 2016 2015 Store and facility closure costs $ — $ 425 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 454 194 Executive management transition costs 72 — $ 526 $ 619 The following table presents detail of the activity in the accrual for store closures: Three Months Ended (in thousands) 2016 2015 Balance at beginning of period $ 1,866 $ 2,556 Accrual for additional closures — 318 Adjustments (15 ) 32 Cash payments, net of sublease income (163 ) (556 ) Balance at end of period 1,688 2,350 Current portion, included in accrued expenses (643 ) (741 ) Long-term portion, included in other long-term liabilities $ 1,045 $ 1,609

Supplemental Disclosure of Fi21

Supplemental Disclosure of Finance Charges and Other Revenue (Tables)	3 Months Ended
	Apr. 30, 2016
Supplemental Disclosure of Finance Charges and Other Revenue [Abstract]
Supplemental Disclosure of Finance Charges and Other Revenue [Text Block]	Finance charges and other revenues consisted of the following: Three Months Ended (in thousands) 2016 2015 Interest income and fees $ 60,621 $ 55,419 Insurance commissions 9,457 11,029 Other revenues 493 149 $ 70,571 $ 66,597

Customer Accounts Receivable (T

Customer Accounts Receivable (Tables)	3 Months Ended
	Apr. 30, 2016
Receivables [Abstract]
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	The following presents the activity in the allowance for doubtful accounts and uncollectible interest for customer receivables: Three Months Ended April 30, 2016 Three Months Ended April 30, 2015 (in thousands) Customer Accounts Receivable Restructured Accounts Total Customer Accounts Receivable Restructured Accounts Total Allowance at beginning of period $ 149,226 $ 41,764 $ 190,990 $ 118,786 $ 28,196 $ 146,982 Provision (1) 52,924 14,937 67,861 43,011 12,950 55,961 Principal charge-offs (2) (45,634 ) (10,097 ) (55,731 ) (35,725 ) (7,072 ) (42,797 ) Interest charge-offs (8,129 ) (1,798 ) (9,927 ) (6,598 ) (1,306 ) (7,904 ) Recoveries (2) 1,585 351 1,936 957 190 1,147 Allowance at end of period $ 149,972 $ 45,157 $ 195,129 $ 120,431 $ 32,958 $ 153,389 Average total customer portfolio balance $ 1,438,442 $ 121,447 $ 1,559,889 $ 1,274,281 $ 92,985 $ 1,367,266 (1) Includes provision for uncollectible interest, which is included in finance charges and other revenues. (2) Charge-offs include the principal amount of losses (excluding accrued and unpaid interest). Recoveries include principal collections of previously charged-off balances. Net charge-offs are calculated as the net of principal charge-offs and recoveries.
Allowance for doubtful accounts and uncollectible interest for customer receivables	Customer accounts receivable consisted of the following: Total Outstanding Balance Customer Accounts Receivable 60 Days Past Due (1) Re-aged (1) (in thousands) April 30, January 31, April 30, January 31, April 30, January 31, Customer accounts receivable $ 1,413,942 $ 1,470,205 $ 106,027 $ 127,400 $ 104,493 $ 112,221 Restructured accounts 123,546 117,651 26,591 30,323 123,546 117,651 Total customer portfolio balance 1,537,488 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 Allowance for uncollectible accounts (195,129 ) (190,990 ) Allowances for no-interest option credit programs (18,391 ) (21,290 ) Total customer accounts receivable, net 1,323,968 1,375,576 Short-term portion of customer accounts receivable, net (727,079 ) (743,931 ) Long-term portion of customer accounts receivable, net $ 596,889 $ 631,645 Securitized receivables held by the VIE $ 1,207,245 $ 870,684 $ 132,517 $ 135,800 $ 222,447 $ 204,594 Receivables not held by the VIE 330,243 717,172 101 21,923 5,592 25,278 Total customer portfolio balance $ 1,537,488 $ 1,587,856 $ 132,618 $ 157,723 $ 228,039 $ 229,872 (1) Due to the fact that an account can become past due after having been re-aged, accounts could be represented as both past due and re-aged. As of April 30, 2016 and January 31, 2016 , the amounts included within both past due and re-aged was $48.0 million and $55.2 million , respectively. As of April 30, 2016 and January 31, 2016 , the total customer portfolio balance past due one day or greater was $350.1 million and $387.3 million , respectively. These amounts include the 60 days past due balances shown.

Accrual for Store Closures (Tab

Accrual for Store Closures (Tables)	3 Months Ended
	Apr. 30, 2016
Restructuring and Related Activities [Abstract]
Activity in accrual for store closures	Charges and credits consisted of the following: Three Months Ended (in thousands) 2016 2015 Store and facility closure costs $ — $ 425 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 454 194 Executive management transition costs 72 — $ 526 $ 619 The following table presents detail of the activity in the accrual for store closures: Three Months Ended (in thousands) 2016 2015 Balance at beginning of period $ 1,866 $ 2,556 Accrual for additional closures — 318 Adjustments (15 ) 32 Cash payments, net of sublease income (163 ) (556 ) Balance at end of period 1,688 2,350 Current portion, included in accrued expenses (643 ) (741 ) Long-term portion, included in other long-term liabilities $ 1,045 $ 1,609

Debt and Letters of Credit (Tab

Debt and Letters of Credit (Tables)	3 Months Ended
	Apr. 30, 2016
Debt Disclosure [Abstract]
Long term debt	Debt and capital lease obligations consisted of the following: (in thousands) April 30, January 31, Revolving credit facility $ 77,865 $ 329,207 Senior Notes 227,000 227,000 2015-A Class A Notes 344,688 551,383 2015-A Class B Notes 165,900 165,900 2016-A Class A Notes 340,086 — 2016-A Class B Notes 70,510 — Capital lease obligations 2,264 2,488 Total debt and capital lease obligations 1,228,313 1,275,978 Less: Unamortized discounts and debt issuance costs (24,183 ) (26,300 ) Current maturities of capital lease obligations (769 ) (799 ) Long-term debt and capital lease obligations $ 1,203,361 $ 1,248,879
Covenant Compliance	A summary of the significant financial covenants that govern our revolving credit facility, as amended, compared to our actual compliance status at April 30, 2016 is presented below: Actual Required Minimum/ Maximum Leverage Ratio must not exceed maximum 2.52:1.00 4.00:1.00 ABS Excluded Leverage Ratio must not exceed maximum 1.01:1.00 2.00:1.00 Cash Recovery Percent must exceed stated amount 5.47% 4.50% Capital Expenditures, net, must not exceed maximum $37.1 million $75.0 million

Variable Interest Entity (Table

Variable Interest Entity (Tables)	3 Months Ended
	Apr. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of assets and liabilities held by the VIE	The following presents the assets and liabilities held by the VIEs and that are included in our consolidated balance sheet (for legal purposes, the assets and liabilities of the VIEs will remain distinct from Conn's, Inc.): (in thousands) April 30, January 31, Assets: Restricted cash $ 119,074 $ 78,576 Due from Conn's, Inc. 4,094 3,405 Customer accounts receivable: Customer accounts receivable 1,088,625 763,278 Restructured accounts 118,620 107,406 Allowance for uncollectible accounts (172,297 ) (136,325 ) Allowances for no-interest option credit programs (16,701 ) (12,955 ) Total customer accounts receivable, net 1,018,247 721,404 Total assets $ 1,141,415 $ 803,385 Liabilities: Accrued interest $ 2,170 $ 1,636 Due to Conn's, Inc. 3,372 — Deferred interest income 4,706 3,042 Long-term debt: 2015-A Class A Notes 344,688 551,383 2015-A Class B Notes 165,900 165,900 2016-A Class A Notes 340,086 — 2016-A Class B Notes 70,510 — 921,184 717,283 Less unamortized discounts and debt issuance costs (15,983 ) (17,768 ) Total long-term debt 905,201 699,515 Total liabilities $ 915,449 $ 704,193

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Apr. 30, 2016
Segment Reporting [Abstract]
Financial information by segment	Financial information by segment is presented in the following tables: Three Months Ended April 30, 2016 Three Months Ended April 30, 2015 (in thousands) Retail Credit Total Retail Credit Total Revenues: Furniture and mattress $ 105,306 $ — $ 105,306 $ 89,502 $ — $ 89,502 Home appliance 87,904 — 87,904 84,102 — 84,102 Consumer electronic 65,865 — 65,865 71,430 — 71,430 Home office 22,473 — 22,473 21,985 — 21,985 Other 4,942 — 4,942 4,607 — 4,607 Product sales 286,490 — 286,490 271,626 — 271,626 Repair service agreement commissions 28,185 — 28,185 23,796 — 23,796 Service revenues 3,867 — 3,867 3,057 — 3,057 Total net sales 318,542 — 318,542 298,479 — 298,479 Finance charges and other revenues 494 70,077 70,571 149 66,448 66,597 Total revenues 319,036 70,077 389,113 298,628 66,448 365,076 Costs and expenses: Cost of goods sold 204,466 — 204,466 187,133 — 187,133 Selling, general and administrative expenses (1) 79,983 33,264 113,247 68,227 27,448 95,675 Provision for bad debts 398 57,820 58,218 69 47,474 47,543 Charges and credits 526 — 526 619 — 619 Total costs and expense 285,373 91,084 376,457 256,048 74,922 330,970 Operating income (loss) 33,663 (21,007 ) 12,656 42,580 (8,474 ) 34,106 Interest expense — 25,896 25,896 — 9,428 9,428 Income (loss) before income taxes $ 33,663 $ (46,903 ) $ (13,240 ) $ 42,580 $ (17,902 ) $ 24,678 (1) Selling, general and administrative expenses include the direct expenses of the retail and credit operations, allocated overhead expenses and a charge to the credit segment to reimburse the retail segment for expenses it incurs related to occupancy, personnel, advertising and other direct costs of the retail segment that benefit the credit operations by sourcing credit customers and collecting payments. The reimbursement received by the retail segment from the credit segment is estimated using an annual rate of 2.5% times the average portfolio balance for each applicable period. For the three months ended April 30, 2016 and 2015 , the amount of overhead allocated to each segment was $5.7 million and $3.5 million , respectively. For the three months ended April 30, 2016 and 2015 , the amount of reimbursement made to the retail segment by the credit segment were $9.7 million and $8.5 million , respectively.

Guarantor Financial Informati27

Guarantor Financial Information (Tables)	3 Months Ended
	Apr. 30, 2016
Guarantor Financial Information [Abstract]
Condensed Balance Sheet [Table Text Block]	Condensed Consolidated Balance Sheet as of April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 11,542 $ — $ — $ 11,542 Restricted cash — — 94,072 — 94,072 Customer accounts receivable, net of allowance — 125,598 601,481 — 727,079 Other accounts receivable — 84,558 — — 84,558 Inventories — 181,543 — — 181,543 Other current assets 15,393 19,300 4,094 (4,094 ) 34,693 Total current assets 15,393 422,541 699,647 (4,094 ) 1,133,487 Investment in and advances to subsidiaries 667,147 225,244 — (892,391 ) — Long-term portion of customer accounts receivable, net of allowance — 180,123 416,766 — 596,889 Long-term restricted cash — — 25,002 — 25,002 Property and equipment, net — 163,626 — — 163,626 Deferred income taxes 69,264 — — — 69,264 Other assets — 8,557 — — 8,557 Total assets $ 751,804 $ 1,000,091 $ 1,141,415 $ (896,485 ) $ 1,996,825 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 769 $ — $ — $ 769 Accounts payable — 97,515 — — 97,515 Accrued expenses 2,789 38,941 5,542 (3,372 ) 43,900 Other current liabilities — 17,717 2,580 — 20,297 Total current liabilities 2,789 154,942 8,122 (3,372 ) 162,481 Deferred rent — 82,848 — — 82,848 Long-term debt and capital lease obligations 218,800 79,360 905,201 — 1,203,361 Other long-term liabilities — 15,794 2,126 — 17,920 Total liabilities 221,589 332,944 915,449 (3,372 ) 1,466,610 Stockholders' equity: Common stock 307 — — — 307 Additional paid-in capital 86,891 177,509 250,384 (427,893 ) 86,891 Retained earnings 443,017 489,638 (24,418 ) (465,220 ) 443,017 Total stockholders' equity 530,215 667,147 225,966 (893,113 ) 530,215 Total liabilities and stockholders' equity $ 751,804 $ 1,000,091 $ 1,141,415 $ (896,485 ) $ 1,996,825 Condensed Consolidated Balance Sheet as of January 31, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 12,254 $ — $ — $ 12,254 Restricted cash — — 64,151 — 64,151 Customer accounts receivable, net of allowance — 353,781 390,150 — 743,931 Other accounts receivable — 95,404 — — 95,404 Inventories — 201,969 — — 201,969 Other current assets 10,774 20,092 3,405 (3,405 ) 30,866 Total current assets 10,774 683,500 457,706 (3,405 ) 1,148,575 Investment in and advances to subsidiaries 676,492 95,787 — (772,279 ) — Long-term portion of customer accounts receivable, net of allowance — 300,391 331,254 — 631,645 Long-term restricted cash — — 14,425 — 14,425 Property and equipment, net — 151,483 — — 151,483 Deferred income taxes 70,219 — — — 70,219 Other assets — 8,953 — — 8,953 Total assets $ 757,485 $ 1,240,114 $ 803,385 $ (775,684 ) $ 2,025,300 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 799 $ — $ — $ 799 Accounts payable — 86,797 — — 86,797 Accrued expenses 736 37,002 1,636 — 39,374 Other current liabilities — 17,510 1,645 — 19,155 Total current liabilities 736 142,108 3,281 — 146,125 Deferred rent — 74,559 — — 74,559 Long-term debt and capital lease obligations 218,468 330,896 699,515 — 1,248,879 Other long-term liabilities — 16,059 1,397 — 17,456 Total liabilities 219,204 563,622 704,193 — 1,487,019 Stockholders' equity: Common stock 306 — — — 306 Additional paid-in capital 85,209 179,995 112,200 (292,195 ) 85,209 Retained earnings 452,766 496,497 (13,008 ) (483,489 ) 452,766 Total stockholders' equity 538,281 676,492 99,192 (775,684 ) 538,281 Total liabilities and stockholders' equity $ 757,485 $ 1,240,114 $ 803,385 $ (775,684 ) $ 2,025,300
Condensed Income Statement [Table Text Block]	Condensed Consolidated Statement of Operations for the three months ended April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 318,542 $ — $ — $ 318,542 Finance charges and other revenues — 30,172 40,399 — 70,571 Servicing fee revenue — 17,135 — (17,135 ) — Total revenues — 365,849 40,399 (17,135 ) 389,113 Costs and expenses: Cost of goods sold — 204,466 — — 204,466 Selling, general and administrative expenses — 113,247 17,135 (17,135 ) 113,247 Provision for bad debts — 35,582 22,636 — 58,218 Charges and credits — 526 — — 526 Total costs and expenses — 353,821 39,771 (17,135 ) 376,457 Operating income — 12,028 628 — 12,656 Loss (income) from consolidated subsidiaries 6,859 11,410 — (18,269 ) — Interest expense 4,446 3,268 18,182 — 25,896 Income (loss) before income taxes (11,305 ) (2,650 ) (17,554 ) 18,269 (13,240 ) Provision (benefit) for income taxes (1,556 ) 4,209 (6,144 ) — (3,491 ) Net income (loss) $ (9,749 ) $ (6,859 ) $ (11,410 ) $ 18,269 $ (9,749 )
Condensed Cash Flow Statement [Table Text Block]	Condensed Consolidated Statement of Cash Flows for the three months ended April 30, 2016 . (in thousands) Conn's, Inc. Guarantor Subsidiaries Non-guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (9,555 ) $ (201,353 ) $ 319,561 $ — $ 108,653 Cash flows from investing activities: Purchase of customer accounts receivables — — (478,080 ) 478,080 — Sale of customer accounts receivables — 478,080 — (478,080 ) — Purchase of property and equipment — (16,996 ) — — (16,996 ) Proceeds from sales of property — 696 — — 696 Net change in intercompany 9,169 — — (9,169 ) — Net cash provided by (used in) investing activities 9,169 461,780 (478,080 ) (9,169 ) (16,300 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 493,540 — 493,540 Payments on asset-backed notes — — (289,639 ) — (289,639 ) Changes in restricted cash balances — — (40,498 ) — (40,498 ) Borrowings from revolving credit facility — 170,393 — — 170,393 Payments on revolving credit facility — (421,735 ) — — (421,735 ) Repurchase of senior notes — — — — — Payment of debt issuance costs and amendment fees — (405 ) (4,884 ) — (5,289 ) Repurchase of common stock — — — — — Proceeds from stock issued under employee benefit plans 385 — — — 385 Net change in intercompany — (9,169 ) — 9,169 — Other 1 (223 ) — — (222 ) Net cash provided by (used in) financing activities 386 (261,139 ) 158,519 9,169 (93,065 ) Net change in cash and cash equivalents — (712 ) — — (712 ) Cash and cash equivalents, beginning of period — 12,254 — — 12,254 Cash and cash equivalents, end of period $ — $ 11,542 $ — $ — $ 11,542

Summary of Significant Accoun28

Summary of Significant Accounting Policies (Details) $ / shares in Units, $ in Thousands	1 Months Ended		3 Months Ended
	Mar. 31, 2016USD ($)class	Sep. 30, 2015USD ($)	Apr. 30, 2016USD ($)segment$ / sharesshares	Apr. 30, 2015shares	Jan. 31, 2016USD ($)$ / sharesshares
Schedule of Earnings Per Share [Line Items]
Securitization of customer accounts receivables	$ 705,100	$ 1,400,000
Variable Interest Entity, Number of Classes of Notes | class	2
Number of Operating Segments | segment			2
Shares outstanding for earnings (loss) per share calculations [Abstract]
Weighted average common shares outstanding - Basic (in shares) | shares			30,661,000	36,365,000
Common shares attributable to stock options and restricted stock units (in shares) | shares			0	515,000
Weighted average common shares outstanding - Diluted (in shares) | shares			30,661,000	36,880,000
Weighted average number of stock options and restricted stock units not included in the calculation of the dilutive effect of stock options and restricted stock units (in shares) | shares			1,021,891	357,000
Common stock, par value (in dollars per share) | $ / shares			$ 0.01		$ 0.01
Common stock, shares authorized (in shares) | shares			100,000,000		100,000,000
Stockholders' Rights Plan
Debt Instrument, Face Amount	$ 490,000	1,120,000
Proceeds from Securitizations of Consumer Loans	$ 480,000	$ 1,080,000
Interest Income on Customer Accounts Receivable [Abstract]
Deferred Revenue			$ 5,849		$ 5,150
Financing Receivable, Recorded Investment, Nonaccrual Status			21,900		20,600
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			98,700		115,100
Secured Debt [Member]
Schedule of Earnings Per Share [Line Items]
Long-term Debt			227,000
Variable Interest Entity
Schedule of Earnings Per Share [Line Items]
Long-term Debt			905,201		699,515
Stockholders' Rights Plan
Restricted Cash and Cash Equivalents			119,074		78,576
Interest Income on Customer Accounts Receivable [Abstract]
Deferred Revenue			$ 4,706		3,042
Senior Notes [Member]
Schedule of Earnings Per Share [Line Items]
Interest rate on notes (in hundredths)			7.25%
Long-term Debt			$ 227,000		227,000
Securitized Receivables Servicer [Member]
Stockholders' Rights Plan
Restricted Cash and Cash Equivalents			94,100		64,200
Collateral Held by VIE [Member]
Stockholders' Rights Plan
Restricted Cash and Cash Equivalents			$ 25,000		$ 14,400

Summary of Significant Accoun29

Summary of Significant Accounting Policies - Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Non-cash investing and financing activities:
Property and equipment purchases not yet paid	$ 6,476	$ 3,038
Supplemental cash flow data:
Cash interest paid	18,448	7,257
Cash income taxes paid, net	$ 61	$ 342

Charges and Credits (Details)

Charges and Credits (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Charges and Credits [Abstract]
Store and facility closure costs	$ 0	$ 425
Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation	454	194
Executive management transition costs	72	0
Other Nonrecurring (Income) Expense	$ 526	$ 619

Supplemental Disclosure of Fi31

Supplemental Disclosure of Finance Charges and Other Revenue (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015
Summary of the classification of the amounts as Finance charges and other [Abstract]
Interest and Fee Income, Loans, Consumer	$ 60,621	$ 55,419
Insurance Commissions and Fees	9,457	11,029
Other Revenue, Net	493	149
Finance charges and other	70,571	66,597
Provisions for uncollectible interest	10,000	8,500
Financing Receivable [Member]
Summary of the classification of the amounts as Finance charges and other [Abstract]
Interest and Fee Income, Loans, Consumer	$ 4,100	$ 3,200

Customer Accounts Receivable (D

Customer Accounts Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015	Apr. 30, 2016	Jan. 31, 2016	Apr. 30, 2015
Total Outstanding Balance
Customer Accounts Receivable			$ 1,537,488	$ 1,587,856
Financing Receivable Outstanding Balance 60 Days Past Due			132,618	157,723
Reaged			228,039	229,872
Allowance for uncollectible accounts related to the credit portfolio	$ (190,990)	$ (146,982)	(195,129)	(190,990)	$ (153,389)
Allowances for promotional credit programs			(18,391)	(21,290)
Total customer accounts receivable, net			1,323,968	1,375,576
Short-term portion of customer accounts receivable, net			(727,079)	(743,931)
Long-term customer accounts receivable, net			596,889	631,645
Amounts included within past due and reaged accounts			48,000	55,200
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(190,990)	(146,982)
Provision	67,861	55,961
Principal charge-offs	(55,731)	(42,797)
Interest charge-offs	(9,927)	(7,904)
Recoveries	1,936	1,147
Allowance at end of period	(195,129)	(153,389)
Average Total Customer Portfolio Balance			1,559,889		1,367,266
Financing Receivable, Recorded Investment, Nonaccrual Status			21,900	20,600
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			98,700	115,100
Financing Receivable, Recorded Investment, Past Due			350,100	387,300
Customer Accounts Receivable [Member]
Total Outstanding Balance
Customer Accounts Receivable			1,413,942	1,470,205
Financing Receivable Outstanding Balance 60 Days Past Due			106,027	127,400
Reaged			104,493	112,221
Allowance for uncollectible accounts related to the credit portfolio	(149,226)	(118,786)	(149,972)	(149,226)	(120,431)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(149,226)	(118,786)
Provision	52,924	43,011
Principal charge-offs	(45,634)	(35,725)
Interest charge-offs	(8,129)	(6,598)
Recoveries	1,585	957
Allowance at end of period	(149,972)	(120,431)
Average Total Customer Portfolio Balance			1,438,442		1,274,281
Restructured Accounts [Member]
Total Outstanding Balance
Customer Accounts Receivable			123,546	117,651
Financing Receivable Outstanding Balance 60 Days Past Due			26,591	30,323
Reaged			123,546	117,651
Allowance for uncollectible accounts related to the credit portfolio	(41,764)	(28,196)	(45,157)	(41,764)	(32,958)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(41,764)	(28,196)
Provision	14,937	12,950
Principal charge-offs	(10,097)	(7,072)
Interest charge-offs	(1,798)	(1,306)
Recoveries	351	190
Allowance at end of period	(45,157)	$ (32,958)
Average Total Customer Portfolio Balance			121,447		$ 92,985
Variable Interest Entity
Total Outstanding Balance
Allowance for uncollectible accounts related to the credit portfolio	(136,325)		(172,297)	(136,325)
Allowances for promotional credit programs			(16,701)	(12,955)
Total customer accounts receivable, net			1,018,247	721,404
Short-term portion of customer accounts receivable, net			(602,302)	(390,150)
Long-term customer accounts receivable, net			417,943	331,254
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(136,325)
Allowance at end of period	$ (172,297)
Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]
Total Outstanding Balance
Customer Accounts Receivable			330,243	717,172
Financing Receivable Outstanding Balance 60 Days Past Due			101	21,923
Reaged			5,592	25,278
Variable Interest Entity
Total Outstanding Balance
Customer Accounts Receivable			1,207,245	870,684
Financing Receivable Outstanding Balance 60 Days Past Due			132,517	135,800
Reaged			$ 222,447	$ 204,594

Accrual for Store Closures (Det

Accrual for Store Closures (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015	Apr. 30, 2016	Apr. 30, 2015
Detail of activity in the accrual for store closures [Abstract]
Balance at beginning of period	$ 1,866	$ 2,556
Accrual for closures	0	318
Change in estimate	(15)	32
Cash payments	(163)	(556)
Balance at end of period	1,688	2,350
Balance sheet presentation [Abstract]
Accrued expenses			$ (643)	$ (741)
Other long-term liabilities			1,045	1,609
Restructuring Reserve, Total	$ 1,866	$ 2,556	$ 1,688	$ 2,350

Debt and Letters of Credit (Det

Debt and Letters of Credit (Details)	Oct. 30, 2015	Apr. 30, 2016USD ($)exception	Apr. 30, 2015USD ($)	Jan. 31, 2016USD ($)
Long-term debt [Abstract]
Capital Lease Obligations		$ 2,264,000		$ 2,488,000
Long-term Debt and Capital Lease Obligations, Including Current Maturities		1,228,313,000		1,275,978,000
Deferred Finance Costs, Net		(24,183,000)		(26,300,000)
Less current portion of debt		(769,000)		(799,000)
Long-term debt		1,203,361,000		1,248,879,000
Interest expense		25,896,000	$ 9,428,000
Income before income taxes		(13,240,000)	$ 24,678,000
Asset-based Revolving Credit Facility [Member]
Long-term debt [Abstract]
Amount available under asset based revolving credit facility		161,900,000
Outstanding letters of credit		2,600,000
Senior Notes [Member]
Long-term debt [Abstract]
Long-term Debt		$ 227,000,000		227,000,000
Interest rate on notes (in hundredths)		7.25%
Effective interest rate		7.80%
Events of default, acceleration for default, minimum amount		$ 25,000,000
Events of default, judgment, minimum amount that is not discharged, bonded, or insured		25,000,000
Senior Unsecured Notes Due July 2022 [Member] | Senior Notes [Member]
Long-term debt [Abstract]
Restricted payment basket amount		$ 375,000,000
Debt Covenant, Number of Exceptions for Limitations | exception		2
Debt Instrument, Leverage Ratio		2.50
Debt Instrument, Restrictions on Payment of Dividends, Amount Free from Restriction		$ 192,700,000
Asset-based Revolving Credit Facility [Member] | Line of Credit [Member]
Long-term debt [Abstract]
Debt Instrument, Restrictions on Payment of Dividends, Amount Free from Restriction		0
2015-A Class A Notes [Member] [Domain] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt		344,688,000		551,383,000
2015-A Class B Notes [Member] [Domain] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt		165,900,000		165,900,000
Class A Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt		340,086,000		0
Class B Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt		70,510,000		0
Asset-based Revolving Credit Facility [Member] | Line of Credit [Member]
Long-term debt [Abstract]
Long-term Debt		77,865,000		$ 329,207,000
Maximum capacity extended under credit facility		$ 810,000,000
Asset-based Revolving Credit Facility [Member] | Line of Credit [Member] | Minimum [Member]
Long-term debt [Abstract]
Asset-Based Revolving Credit Facility, Unused Capacity, Commitment Fee Percentage	0.25%
Asset-based Revolving Credit Facility [Member] | Line of Credit [Member] | Maximum [Member]
Long-term debt [Abstract]
Asset-Based Revolving Credit Facility, Unused Capacity, Commitment Fee Percentage	0.75%

Debt and Letters of Credit - As

Debt and Letters of Credit - Asset Backed Notes (Details) $ in Thousands	3 Months Ended
	Apr. 30, 2016USD ($)
Debt Instrument [Line Items]
Net proceeds from issuance of debt	$ 493,540
Variable Interest Entity | Secured Debt [Member] | 2015-A Class A Notes [Member] [Domain]
Debt Instrument [Line Items]
Amount of notes issued	$ 952,100
Fixed annual rate	4.565%
Effective interest rate	7.70%
Variable Interest Entity | Secured Debt [Member] | 2015-A Class B Notes [Member] [Domain]
Debt Instrument [Line Items]
Amount of notes issued	$ 165,900
Fixed annual rate	8.50%
Effective interest rate	13.40%
Variable Interest Entity | Secured Debt [Member] | 2016-A Class A Notes [Member] [Domain]
Debt Instrument [Line Items]
Amount of notes issued	$ 423,000
Fixed annual rate	4.68%
Effective interest rate	6.90%
Variable Interest Entity | Secured Debt [Member] | 2016-A Class B Notes [Member] [Domain]
Debt Instrument [Line Items]
Amount of notes issued	$ 70,500
Fixed annual rate	8.96%
Effective interest rate	9.50%

Debt and Letters of Credit - Re

Debt and Letters of Credit - Revolving Credit Facility (Details)	May. 18, 2016USD ($)	May. 01, 2016	Feb. 16, 2016	Feb. 15, 2016	Oct. 30, 2015USD ($)	Apr. 30, 2016USD ($)	Jan. 31, 2016USD ($)
Line of Credit Facility [Line Items]
Deferred debt issuance costs						$ 24,183,000	$ 26,300,000
Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Maximum capacity extended under credit facility						$ 810,000,000
Cash Recovery Percent covenant determination period (in months)			18 months
Debt, Weighted Average Interest Rate						4.90%
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | Second quarter of fiscal 2017 through the first quarter of fiscal 2018 [Member]
Line of Credit Facility [Line Items]
Minimum interest coverage rate	1
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | Second quarter of fiscal 2018 through the third quarter of fiscal 2019 [Member]
Line of Credit Facility [Line Items]
Minimum interest coverage rate	1.25
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | For two consecutive quarters [Member]
Line of Credit Facility [Line Items]
Minimum interest coverage ratio required for repurchase of common stock	2.5
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | May 31, 2016 through June 30, 2017 [Member]
Line of Credit Facility [Line Items]
Reduction in maximum borrowing capacity	$ 15,000,000
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | On or after July 31, 2017, where the interest coverage ratio is at least 1.25x [Member]
Line of Credit Facility [Line Items]
Minimum interest coverage rate	1.25
Reduction in maximum borrowing capacity	$ 10,000,000
Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member] | Any time the interest coverage ratio is at least 2.0x for two consecutive quarters [Member]
Line of Credit Facility [Line Items]
Minimum interest coverage rate	2
Reduction in maximum borrowing capacity	$ 0
Line of Credit [Member] | Previous Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Cash Recovery Percent covenant determination period (in months)				6 months
Line of Credit [Member] | Sub-Facility Letters of Credit [Member]
Line of Credit Facility [Line Items]
Maximum capacity extended under credit facility					$ 40,000,000
Minimum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused capacity fee percentage					0.25%
Maximum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused capacity fee percentage					0.75%
LIBOR [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					1.00%
LIBOR [Member] | Minimum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					2.50%
LIBOR [Member] | Maximum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					3.00%
Alternate Base Rate [Member] | Minimum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					1.50%
Alternate Base Rate [Member] | Maximum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					2.00%
Alternate Base Rate [Member] | Maximum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member] | Subsequent Event [Member]
Line of Credit Facility [Line Items]
Increase in basis variable spread (as a percent)		0.25%
Federal Funds Rate [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread					0.50%
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Line Of Credit Facility Additional Remaining Borrowing Capacity						$ 567,600,000

Debt and Letters of Credit - De

Debt and Letters of Credit - Debt Covenants (Details) $ in Millions	3 Months Ended
	Apr. 30, 2016USD ($)
Line of Credit Facility [Line Items]
Debt Instrument, Actual Leverage Ratio	2.52
Debt Instrument, Maximum Leverage Ratio	4
Debt Instrument, Actual ABS Excluded Leverage Ratio	1.01
Debt Instrument, Maximum ABS Excluded Leverage Ratio	2
Debt Instrument, Actual Cash Recovery Percentage	5.00%
ABS Excluded Leverage Ratio must not exceed maximum	4.50%
Capital Expenditures, net, must not exceed maximum	$ 37.1
Maximum Capital Expenditures, Net	$ 75

Contingencies Contingencies (De

Contingencies Contingencies (Details) - False and Misleading Statements and Failure to Disclosure Adverse Information [Member]	3 Months Ended
	Apr. 30, 2016defendant	May. 05, 2014claim
Loss Contingencies [Line Items]
Number of pending actions | claim		3
Executive Officer [Member]
Loss Contingencies [Line Items]
Number of defendants	1
Former Executive Officer [Member]
Loss Contingencies [Line Items]
Number of defendants	1

Variable Interest Entity - Addi

Variable Interest Entity - Additional Information	3 Months Ended
	Apr. 30, 2016
Variable Interest Entity [Line Items]
Monthly fee percentage on outstanding balance	4.75%

Variable Interest Entity (Detai

Variable Interest Entity (Details) - USD ($) $ in Thousands	Apr. 30, 2016	Jan. 31, 2016	Apr. 30, 2015	Jan. 31, 2015
Customer accounts receivable:
Allowance for uncollectible accounts	$ (195,129)	$ (190,990)	$ (153,389)	$ (146,982)
Allowances for Promotional Credit Programs	18,391	21,290
Total customer accounts receivable, net	1,323,968	1,375,576
Deferred debt issuance costs	(24,183)	(26,300)
Total assets	1,996,825	2,025,300
Liabilities:
Loans and Leases Receivable, Deferred Income, Consumer	5,849	5,150
Long-term debt	1,203,361	1,248,879
Total liabilities	1,466,610	1,487,019
Variable Interest Entity
Variable Interest Entity [Line Items]
Due from Related Parties	4,094	3,405
Accounts Receivable, Customer	1,088,625	763,278
Accounts Receivable, Restructured Accounts	118,620	107,406
Customer accounts receivable:
Allowance for uncollectible accounts	(172,297)	(136,325)
Allowances for Promotional Credit Programs	16,701	12,955
Total customer accounts receivable, net	1,018,247	721,404
Restricted cash	119,074	78,576
Deferred debt issuance costs	(15,983)	(17,768)
Total assets	1,141,415	803,385
Liabilities:
Accrued interest	2,170	1,636
Due to Conn's, Inc.	3,372	0
Loans and Leases Receivable, Deferred Income, Consumer	4,706	3,042
Total long-term debt	905,201	699,515
Long-term debt	921,184	717,283
Total liabilities	915,449	704,193
Secured Debt [Member] | 2015-A Class A Notes [Member] [Domain]
Liabilities:
Total long-term debt	344,688	551,383
Secured Debt [Member] | 2015-A Class B Notes [Member] [Domain]
Liabilities:
Total long-term debt	165,900	165,900
Secured Debt [Member] | 2016-A Class A Notes [Member] [Domain]
Liabilities:
Total long-term debt	340,086	0
Secured Debt [Member] | 2016-A Class B Notes [Member] [Domain]
Liabilities:
Total long-term debt	70,510	0
Accounts Receivable [Member]
Customer accounts receivable:
Allowance for uncollectible accounts	(149,972)	(149,226)	(120,431)	(118,786)
Restructured Accounts [Member]
Customer accounts receivable:
Allowance for uncollectible accounts	$ (45,157)	$ (41,764)	$ (32,958)	$ (28,196)

Segment Reporting (Details)

Segment Reporting (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015	Jan. 31, 2016
Revenues [Abstract]
Product sales	$ 286,490	$ 271,626
Repair service agreement commissions	28,185	23,796
Service revenues	3,867	3,057
Total net sales	318,542	298,479
Finance charges and other	70,571	66,597
Revenues	389,113	365,076
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	204,466	187,133
Selling, general and administrative expense	113,247	95,675
Provision for bad debts	58,218	47,543
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	526	619
Total cost and expenses	376,457	330,970
Operating income	12,656	34,106
Interest expense	25,896	9,428
Income before income taxes	(13,240)	24,678
Assets	$ 1,996,825		$ 2,025,300
Estimated annual rate of reimbursement (in hundredths)	2.50%
Allocation of overhead by operating segments	$ 5,700	3,500
Retail [Member]
Revenues [Abstract]
Product sales	286,490	271,626
Repair service agreement commissions	28,185	23,796
Service revenues	3,867	3,057
Total net sales	318,542	298,479
Finance charges and other	494	149
Revenues	319,036	298,628
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	204,466	187,133
Selling, general and administrative expense	79,983	68,227
Provision for bad debts	398	69
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	526	619
Total cost and expenses	285,373	256,048
Operating income	33,663	42,580
Interest expense	0	0
Income before income taxes	33,663	42,580
Credit [Member]
Revenues [Abstract]
Product sales	0	0
Repair service agreement commissions	0	0
Service revenues	0	0
Total net sales	0	0
Finance charges and other	70,077	66,448
Revenues	70,077	66,448
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	0	0
Selling, general and administrative expense	33,264	27,448
Provision for bad debts	57,820	47,474
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	0	0
Total cost and expenses	91,084	74,922
Operating income	(21,007)	(8,474)
Interest expense	25,896	9,428
Income before income taxes	(46,903)	(17,902)
Furniture and Mattress [Member]
Revenues [Abstract]
Product sales	105,306	89,502
Furniture and Mattress [Member] | Retail [Member]
Revenues [Abstract]
Product sales	105,306	89,502
Furniture and Mattress [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0
Home Appliance [Member]
Revenues [Abstract]
Product sales	87,904	84,102
Home Appliance [Member] | Retail [Member]
Revenues [Abstract]
Product sales	87,904	84,102
Home Appliance [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0
Consumer Electronics [Member]
Revenues [Abstract]
Product sales	65,865	71,430
Consumer Electronics [Member] | Retail [Member]
Revenues [Abstract]
Product sales	65,865	71,430
Consumer Electronics [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0
Home Office [Member]
Revenues [Abstract]
Product sales	22,473	21,985
Home Office [Member] | Retail [Member]
Revenues [Abstract]
Product sales	22,473	21,985
Home Office [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0
Other Products [Member]
Revenues [Abstract]
Product sales	4,942	4,607
Other Products [Member] | Retail [Member]
Revenues [Abstract]
Product sales	4,942	4,607
Other Products [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0
Intersegment Eliminations [Member]
Revenues [Abstract]
Revenues	$ 9,700	$ 8,500

Guarantor Financial Informati42

Guarantor Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2016	Apr. 30, 2015	Jan. 31, 2016	Jan. 31, 2015
Condensed Financial Statements, Captions [Line Items]
Net Cash Provided by (Used in) Operating Activities	$ 108,653	$ 56,351
Revenue, Net	318,542	298,479
Cash and Cash Equivalents, at Carrying Value	11,542	4,959	$ 12,254	$ 12,223
Restricted Cash and Cash Equivalents, Current	94,072		64,151
Accounts Receivable, Net, Current	727,079		743,931
Other Receivables, Net, Current	84,558		95,404
Inventory, Net	181,543		201,969
Other Assets, Current	34,693		30,866
Total current assets	1,133,487		1,148,575
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	0		0
Accounts Receivable, Net, Noncurrent	596,889		631,645
Restricted Cash and Cash Equivalents, Noncurrent	25,002		14,425
Property, Plant and Equipment, Net	163,626		151,483
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	69,264		70,219
Other Assets, Noncurrent	8,557		8,953
Total assets	1,996,825		2,025,300
Long-term Debt, Current Maturities	769		799
Accounts Payable, Current	97,515		86,797
Accrued Liabilities and Other Liabilities	43,900		39,374
Other Liabilities, Current	20,297		19,155
Total current liabilities	162,481		146,125
Deferred Rent Credit, Noncurrent	82,848		74,559
Long-term Debt, Excluding Current Maturities	1,203,361		1,248,879
Other Liabilities, Noncurrent	17,920		17,456
Total liabilities	1,466,610		1,487,019
Common Stock, Value, Issued	307		306
Additional Paid in Capital	86,891		85,209
Retained Earnings (Accumulated Deficit)	443,017		452,766
Total stockholders' equity	530,215		538,281
Total liabilities and stockholders' equity	1,996,825		2,025,300
Financial Services Revenue	70,571	66,597
Contractually Specified Servicing Fees, Amount	0
Total revenues	389,113	365,076
Cost of Goods Sold	204,466	187,133
Selling, General and Administrative Expense	113,247	95,675
Provision for Doubtful Accounts	58,218	47,543
Other Nonrecurring (Income) Expense	526	619
Total cost and expenses	376,457	330,970
Operating Income (Loss)	12,656	34,106
Income (Loss) from Subsidiaries, before Tax	0
Interest expense	25,896	9,428
Income before income taxes	(13,240)	24,678
Income Tax Expense (Benefit)	(3,491)	9,001
Net Income (Loss) Attributable to Parent	(9,749)	15,677
Payments to Acquire Receivables	0
Proceeds from Sale and Collection of Receivables	0
Payments to Acquire Property, Plant, and Equipment	(16,996)	(9,602)
Proceeds from Sale of Property, Plant, and Equipment	696	35
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change	0
Net Cash Provided by (Used in) Investing Activities	(16,300)	(9,567)
Proceeds from issuance of asset backed notes, net of original issue discount	493,540
Payments on asset backed notes	(289,639)
Increase (Decrease) in Restricted Cash	(40,498)	0
Proceeds from Long-term Lines of Credit	170,393	63,041
Repayments of Long-term Lines of Credit	(421,735)	(117,400)
Repayments of Long-term Debt	0
Payments of Debt Issuance Costs	(5,289)	0
Proceeds from Issuance of Common Stock	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options	385	342
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change	0
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation	(222)
Net Cash Provided by (Used in) Financing Activities	(93,065)	(54,048)
Net change in cash and cash equivalents	(712)	$ (7,264)
Consolidation, Eliminations [Member]
Condensed Financial Statements, Captions [Line Items]
Net Cash Provided by (Used in) Operating Activities	0
Revenue, Net	0
Cash and Cash Equivalents, at Carrying Value	0		0
Restricted Cash and Cash Equivalents, Current	0		0
Accounts Receivable, Net, Current	0		0
Other Receivables, Net, Current	0		0
Inventory, Net	0		0
Other Assets, Current	(4,094)		(3,405)
Total current assets	(4,094)		(3,405)
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	(892,391)		(772,279)
Accounts Receivable, Net, Noncurrent	0		0
Restricted Cash and Cash Equivalents, Noncurrent	0		0
Property, Plant and Equipment, Net	0		0
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	0		0
Other Assets, Noncurrent	0		0
Total assets	(896,485)		(775,684)
Long-term Debt, Current Maturities	0		0
Accounts Payable, Current	0		0
Accrued Liabilities and Other Liabilities	(3,372)		0
Other Liabilities, Current	0		0
Total current liabilities	(3,372)		0
Deferred Rent Credit, Noncurrent	0		0
Long-term Debt, Excluding Current Maturities	0		0
Other Liabilities, Noncurrent	0		0
Total liabilities	(3,372)		0
Common Stock, Value, Issued	0		0
Additional Paid in Capital	(427,893)		(292,195)
Retained Earnings (Accumulated Deficit)	(465,220)		(483,489)
Total stockholders' equity	(893,113)		(775,684)
Total liabilities and stockholders' equity	(896,485)		(775,684)
Financial Services Revenue	0
Contractually Specified Servicing Fees, Amount	(17,135)
Total revenues	(17,135)
Cost of Goods Sold	0
Selling, General and Administrative Expense	(17,135)
Provision for Doubtful Accounts	0
Other Nonrecurring (Income) Expense	0
Total cost and expenses	(17,135)
Operating Income (Loss)	0
Income (Loss) from Subsidiaries, before Tax	(18,269)
Interest expense	0
Income before income taxes	18,269
Income Tax Expense (Benefit)	0
Net Income (Loss) Attributable to Parent	18,269
Payments to Acquire Receivables	478,080
Proceeds from Sale and Collection of Receivables	(478,080)
Payments to Acquire Property, Plant, and Equipment	0
Proceeds from Sale of Property, Plant, and Equipment	0
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change	(9,169)
Net Cash Provided by (Used in) Investing Activities	(9,169)
Proceeds from issuance of asset backed notes, net of original issue discount	0
Payments on asset backed notes	0
Increase (Decrease) in Restricted Cash	0
Proceeds from Long-term Lines of Credit	0
Repayments of Long-term Lines of Credit	0
Repayments of Long-term Debt	0
Payments of Debt Issuance Costs	0
Proceeds from Issuance of Common Stock	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options	0
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change	9,169
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation	0
Net Cash Provided by (Used in) Financing Activities	9,169
Net change in cash and cash equivalents	0
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Net Cash Provided by (Used in) Operating Activities	(9,555)
Revenue, Net	0
Cash and Cash Equivalents, at Carrying Value	0		0
Restricted Cash and Cash Equivalents, Current	0		0
Accounts Receivable, Net, Current	0		0
Other Receivables, Net, Current	0		0
Inventory, Net	0		0
Other Assets, Current	15,393		10,774
Total current assets	15,393		10,774
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	667,147		676,492
Accounts Receivable, Net, Noncurrent	0		0
Restricted Cash and Cash Equivalents, Noncurrent	0		0
Property, Plant and Equipment, Net	0		0
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	69,264		70,219
Other Assets, Noncurrent	0		0
Total assets	751,804		757,485
Long-term Debt, Current Maturities	0		0
Accounts Payable, Current	0		0
Accrued Liabilities and Other Liabilities	2,789		736
Other Liabilities, Current	0		0
Total current liabilities	2,789		736
Deferred Rent Credit, Noncurrent	0		0
Long-term Debt, Excluding Current Maturities	218,800		218,468
Other Liabilities, Noncurrent	0		0
Total liabilities	221,589		219,204
Common Stock, Value, Issued	307		306
Additional Paid in Capital	86,891		85,209
Retained Earnings (Accumulated Deficit)	443,017		452,766
Total stockholders' equity	530,215		538,281
Total liabilities and stockholders' equity	751,804		757,485
Financial Services Revenue	0
Contractually Specified Servicing Fees, Amount	0
Total revenues	0
Cost of Goods Sold	0
Selling, General and Administrative Expense	0
Provision for Doubtful Accounts	0
Other Nonrecurring (Income) Expense	0
Total cost and expenses	0
Operating Income (Loss)	0
Income (Loss) from Subsidiaries, before Tax	6,859
Interest expense	4,446
Income before income taxes	(11,305)
Income Tax Expense (Benefit)	(1,556)
Net Income (Loss) Attributable to Parent	(9,749)
Payments to Acquire Receivables	0
Proceeds from Sale and Collection of Receivables	0
Payments to Acquire Property, Plant, and Equipment	0
Proceeds from Sale of Property, Plant, and Equipment	0
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change	9,169
Net Cash Provided by (Used in) Investing Activities	9,169
Proceeds from issuance of asset backed notes, net of original issue discount	0
Payments on asset backed notes	0
Increase (Decrease) in Restricted Cash	0
Proceeds from Long-term Lines of Credit	0
Repayments of Long-term Lines of Credit	0
Repayments of Long-term Debt	0
Payments of Debt Issuance Costs	0
Proceeds from Issuance of Common Stock	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options	385
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change	0
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation	1
Net Cash Provided by (Used in) Financing Activities	386
Net change in cash and cash equivalents	0
Guarantor Subsidiaries [Member]
Condensed Financial Statements, Captions [Line Items]
Net Cash Provided by (Used in) Operating Activities	(201,353)
Revenue, Net	318,542
Cash and Cash Equivalents, at Carrying Value	11,542		12,254
Restricted Cash and Cash Equivalents, Current	0		0
Accounts Receivable, Net, Current	125,598		353,781
Other Receivables, Net, Current	84,558		95,404
Inventory, Net	181,543		201,969
Other Assets, Current	19,300		20,092
Total current assets	422,541		683,500
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	225,244		95,787
Accounts Receivable, Net, Noncurrent	180,123		300,391
Restricted Cash and Cash Equivalents, Noncurrent	0		0
Property, Plant and Equipment, Net	163,626		151,483
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	0		0
Other Assets, Noncurrent	8,557		8,953
Total assets	1,000,091		1,240,114
Long-term Debt, Current Maturities	769		799
Accounts Payable, Current	97,515		86,797
Accrued Liabilities and Other Liabilities	38,941		37,002
Other Liabilities, Current	17,717		17,510
Total current liabilities	154,942		142,108
Deferred Rent Credit, Noncurrent	82,848		74,559
Long-term Debt, Excluding Current Maturities	79,360		330,896
Other Liabilities, Noncurrent	15,794		16,059
Total liabilities	332,944		563,622
Common Stock, Value, Issued	0		0
Additional Paid in Capital	177,509		179,995
Retained Earnings (Accumulated Deficit)	489,638		496,497
Total stockholders' equity	667,147		676,492
Total liabilities and stockholders' equity	1,000,091		1,240,114
Financial Services Revenue	30,172
Contractually Specified Servicing Fees, Amount	17,135
Total revenues	365,849
Cost of Goods Sold	204,466
Selling, General and Administrative Expense	113,247
Provision for Doubtful Accounts	35,582
Other Nonrecurring (Income) Expense	526
Total cost and expenses	353,821
Operating Income (Loss)	12,028
Income (Loss) from Subsidiaries, before Tax	11,410
Interest expense	3,268
Income before income taxes	(2,650)
Income Tax Expense (Benefit)	4,209
Net Income (Loss) Attributable to Parent	(6,859)
Payments to Acquire Receivables	0
Proceeds from Sale and Collection of Receivables	478,080
Payments to Acquire Property, Plant, and Equipment	(16,996)
Proceeds from Sale of Property, Plant, and Equipment	696
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change	0
Net Cash Provided by (Used in) Investing Activities	461,780
Proceeds from issuance of asset backed notes, net of original issue discount	0
Payments on asset backed notes	0
Increase (Decrease) in Restricted Cash	0
Proceeds from Long-term Lines of Credit	170,393
Repayments of Long-term Lines of Credit	(421,735)
Repayments of Long-term Debt	0
Payments of Debt Issuance Costs	(405)
Proceeds from Issuance of Common Stock	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options	0
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change	(9,169)
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation	(223)
Net Cash Provided by (Used in) Financing Activities	(261,139)
Net change in cash and cash equivalents	(712)
Non-Guarantor Subsidiaries [Member]
Condensed Financial Statements, Captions [Line Items]
Net Cash Provided by (Used in) Operating Activities	319,561
Revenue, Net	0
Cash and Cash Equivalents, at Carrying Value	0		0
Restricted Cash and Cash Equivalents, Current	94,072		64,151
Accounts Receivable, Net, Current	601,481		390,150
Other Receivables, Net, Current	0		0
Inventory, Net	0		0
Other Assets, Current	4,094		3,405
Total current assets	699,647		457,706
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	0		0
Accounts Receivable, Net, Noncurrent	416,766		331,254
Restricted Cash and Cash Equivalents, Noncurrent	25,002		14,425
Property, Plant and Equipment, Net	0		0
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	0		0
Other Assets, Noncurrent	0		0
Total assets	1,141,415		803,385
Long-term Debt, Current Maturities	0		0
Accounts Payable, Current	0		0
Accrued Liabilities and Other Liabilities	5,542		1,636
Other Liabilities, Current	2,580		1,645
Total current liabilities	8,122		3,281
Deferred Rent Credit, Noncurrent	0		0
Long-term Debt, Excluding Current Maturities	905,201		699,515
Other Liabilities, Noncurrent	2,126		1,397
Total liabilities	915,449		704,193
Common Stock, Value, Issued	0		0
Additional Paid in Capital	250,384		112,200
Retained Earnings (Accumulated Deficit)	(24,418)		(13,008)
Total stockholders' equity	225,966		99,192
Total liabilities and stockholders' equity	1,141,415		$ 803,385
Financial Services Revenue	40,399
Contractually Specified Servicing Fees, Amount	0
Total revenues	40,399
Cost of Goods Sold	0
Selling, General and Administrative Expense	17,135
Provision for Doubtful Accounts	22,636
Other Nonrecurring (Income) Expense	0
Total cost and expenses	39,771
Operating Income (Loss)	628
Income (Loss) from Subsidiaries, before Tax	0
Interest expense	18,182
Income before income taxes	(17,554)
Income Tax Expense (Benefit)	(6,144)
Net Income (Loss) Attributable to Parent	(11,410)
Payments to Acquire Receivables	(478,080)
Proceeds from Sale and Collection of Receivables	0
Payments to Acquire Property, Plant, and Equipment	0
Proceeds from Sale of Property, Plant, and Equipment	0
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change	0
Net Cash Provided by (Used in) Investing Activities	(478,080)
Proceeds from issuance of asset backed notes, net of original issue discount	493,540
Payments on asset backed notes	(289,639)
Increase (Decrease) in Restricted Cash	(40,498)
Proceeds from Long-term Lines of Credit	0
Repayments of Long-term Lines of Credit	0
Repayments of Long-term Debt	0
Payments of Debt Issuance Costs	(4,884)
Proceeds from Issuance of Common Stock	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options	0
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change	0
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation	0
Net Cash Provided by (Used in) Financing Activities	158,519
Net change in cash and cash equivalents	$ 0