Conns (CONNQ) 10-Q 7 Sep 17 2018 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jul. 31, 2017	Aug. 31, 2017
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	Jul. 31, 2017
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		31,206,941

CONSOLIDATED BALANCE SHEETS (un

CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Jul. 31, 2017	Jan. 31, 2017
Current assets
Cash and cash equivalents	$ 35,018	$ 23,566
Restricted cash	86,436	110,698
Customer accounts receivable, net of allowances (includes VIE balance of $430,855 and $529,108, respectively)	644,148	702,162
Other accounts receivable	59,401	69,286
Inventories	196,768	164,856
Income taxes recoverable	1,353	2,150
Prepaid expenses and other current assets	14,530	14,955
Total current assets	1,037,654	1,087,673
Long-term portion of customer accounts receivable, net of allowances (includes VIE balance of $331,642 and $320,382, respectively)	601,990	615,904
Property and equipment, net	154,788	159,202
Deferred income taxes	72,435	71,442
Other assets	8,196	6,913
Total assets	1,875,063	1,941,134
Current Liabilities
Current maturities of capital lease obligations	906	849
Accounts payable	100,268	101,612
Accrued compensation and related expenses	15,588	13,325
Accrued expenses	38,953	26,456
Income taxes payable	2,138	3,318
Deferred revenues and allowances	20,955	21,821
Total current liabilities	178,808	167,381
Deferred Rent Credit, Noncurrent	85,538	87,957
Long-term debt and capital lease obligations	1,060,720	1,144,393
Other long-term liabilities	24,720	23,613
Total liabilities	1,349,786	1,423,344
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; 31,207 and 30,962 shares issued, respectively)	312	310
Additional paid-in capital	96,068	90,276
Retained earnings	428,897	427,204
Total stockholders' equity	525,277	517,790
Total liabilities and stockholders' equity	$ 1,875,063	$ 1,941,134

CONSOLIDATED BALANCE SHEETS (u3

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - USD ($) $ in Thousands	Apr. 30, 2017	Jan. 31, 2017
Assets, Noncurrent [Abstract]
Customer accounts receivable, net of allowances (includes VIE balance of $430,855 and $529,108, respectively)		$ 702,162
Long-term customer accounts receivable, net		$ 615,904
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)	31,004,000	30,962,000
Variable Interest Entity
Assets, Noncurrent [Abstract]
Customer accounts receivable, net of allowances (includes VIE balance of $430,855 and $529,108, respectively)	$ 581,679	$ 529,108
Long-term customer accounts receivable, net	474,474	320,382
Long-term Debt	$ 981,836	$ 745,581

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Jul. 31, 2016
Revenues
Product sales	$ 259,593	$ 299,723	$ 510,955	$ 586,213
Repair service agreement commissions	23,519	28,310	48,215	56,495
Service revenues	3,301	3,966	6,528	7,833
Total net sales	286,413	331,999	565,698	650,541
Finance charges and other	80,234	66,158	156,775	136,729
Total revenues	366,647	398,157	722,473	787,270
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	172,306	208,869	344,256	413,335
Selling, general and administrative expense	111,632	119,846	218,169	233,093
Provision for bad debts	49,449	60,196	105,379	118,414
Other Nonrecurring (Income) Expense	4,068	2,895	5,295	3,421
Total cost and expenses	337,455	391,806	673,099	768,263
Operating income	29,192	6,351	49,374	19,007
Interest expense	20,039	24,138	44,047	50,034
Loss on extinguishment of debt	2,097	0	2,446	0
Income before income taxes	7,056	(17,787)	2,881	(31,027)
Provision for income taxes	2,783	(5,863)	1,188	(9,354)
Net income	$ 4,273	$ (11,924)	$ 1,693	$ (21,673)
Earnings per share:
Basic (in dollars per share)	$ 0.14	$ (0.39)	$ 0.05	$ (0.71)
Diluted (in dollars per share)	$ 0.14	$ (0.39)	$ 0.05	$ (0.71)
Average common shares outstanding:
Basic (in shares)	31,094	30,731	31,034	30,696
Diluted (in shares)	31,435	30,731	31,292	30,696

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016
Cash flows from operating activities
Net income	$ 1,693	$ (21,673)
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, Depletion and Amortization, Nonproduction	15,356	13,773
Asset Impairment Charges	0	1,385
Amortization of debt issuance costs	8,578	13,812
Provision for bad debts and uncollectible interest	125,491	133,084
Loss from extinguishment of debt	2,446	0
Stock-based compensation	4,188	2,886
Charges, net of credits, for facility closures	388	0
Benefit for deferred income taxes	(992)	(700)
(Gain) loss on sale of property and equipment	(371)	(180)
Payments for (Proceeds from) Tenant Allowance	1,997	18,860
Change in operating assets and liabilities:
Customer accounts receivable	(53,563)	(78,096)
Increase (Decrease) in Other Receivables	8,537	5,751
Inventories	(31,912)	10,327
Increase (Decrease) in Other Operating Assets	(127)	1,213
Accounts payable	(3,060)	28,831
Accrued expenses	13,792	6,823
Income taxes payable	(383)	(10,489)
Increase (Decrease) in Deferred Revenue and Customer Advances and Deposits	(1,771)	8,758
Net cash used in operating activities	90,541	131,939
Cash flows from investing activities
Purchase of property and equipment	(6,135)	(32,020)
Proceeds from sale of property and equipment	0	686
Net Cash Provided by (Used in) Investing Activities	(6,135)	(31,334)
Cash flows from financing activities
Proceeds from Issuance of Secured Debt	469,814	493,540
Payments on asset-backed notes	(583,299)	(537,819)
Increase (Decrease) in Restricted Cash	24,262	(17,406)
Borrowings under lines of credit	844,941	405,378
Payments on lines of credit	(822,441)	(435,085)
Payments of Debt Issuance Costs	7,595	6,089
Proceeds from stock issued under employee benefit plans	1,905	618
Other	(541)	(461)
Net Cash Provided by (Used in) Financing Activities	(72,954)	(97,324)
Net change in cash and cash equivalents	11,452	3,281
Beginning of period	23,566	12,254
End of period	35,018	15,535
Capital Lease Obligations Incurred	3,196	0
Capital Expenditures Incurred but Not yet Paid	2,796	6,476
Interest Paid	33,817	38,403
Income Taxes Paid, Net	$ 2,563	$ 1,816

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Jul. 31, 2017
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Business . Conn's, Inc., a Delaware corporation, is a holding company with no independent assets or operations other than its investments in its subsidiaries. References to “we,” “our,” “us,” “the Company,” “Conn’s” or “CONN” refer to Conn’s Inc. and, as apparent from the context, its subsidiaries. Conn's is a leading specialty retailer that offers a broad selection of quality, branded durable consumer goods and related services in addition to proprietary credit solutions 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 credit alternatives. 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 to 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 ("GAAP") and prevailing industry practice 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, 2017 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, 2017, filed with the United States Securities and Exchange Commission (the “SEC”) on April 4, 2017. 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. Principles of Consolidation . The consolidated financial statements include the accounts of Conn's, Inc. and its wholly-owned subsidiaries. All material intercompany transactions and balances have been eliminated in consolidation. Variable Interest Entities. Variable interest entities ("VIEs") are consolidated if the Company is the primary beneficiary. The primary beneficiary of a VIE is the party that has (i) the power to direct the activities that most significantly impact the performance of the VIE and (ii) the obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. We securitize customer accounts receivables by transferring the receivables to various bankruptcy-remote VIEs. We retain the servicing of the securitized portfolio and have a variable interest in each corresponding VIE by holding the residual equity. We have determined that we are the primary beneficiary of each respective VIE because (i) our servicing responsibilities for the securitized portfolio give us the power to direct the activities that most significantly impact the performance of the VIE and (ii) our variable interest in the VIE gives us the obligation to absorb losses and the right to receive residual returns that potentially could be significant. As a result, we consolidate the respective VIEs within our consolidated financial statements. Refer to Note 6, Debt and Capital Lease Obligations , and Note 8, Variable Interest Entities , for additional information. Use of Estimates . The preparation of financial statements in accordance with GAAP requires management to make informed judgments and estimates that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosure of contingent assets and liabilities. Changes in facts and circumstances or additional information may result in revised estimates, and actual results may differ, even significantly, from these estimates. Management evaluates its estimates and related assumptions regularly, including those related to the allowance for doubtful accounts, allowances for no-interest option credit programs and deferred interest, which are particularly sensitive given the size of our customer portfolio balance. Cash and Cash Equivalents . Cash and cash equivalents include cash, credit card deposits in-transit, and highly liquid debt instruments purchased with a maturity of three months or less. Cash and cash equivalents include credit card deposits in-transit of $3.2 million and $2.4 million , as of July 31, 2017 and January 31, 2017 , respectively. Restricted Cash. The restricted cash balance as of July 31, 2017 and January 31, 2017 includes $58.7 million and $75.2 million , respectively, of cash we collected as servicer on the securitized receivables that was subsequently remitted to the VIEs and $27.7 million and $35.5 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 both those transferred to the VIEs and those not transferred to the VIEs. Customer accounts receivable are recognized at the time the customer takes possession of the product. 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 accounts receivable include the net of unamortized deferred fees charged to customers and origination costs. 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 along with interest accrued subsequent to the last payment. 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 involves 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 and extend the term. We consider accounts that have been re-aged in excess of three months or refinanced as Troubled Debt Restructurings ("TDR" or "Restructured Accounts"). Interest income on customer accounts receivable . Interest income, which includes interest income and amortization of deferred fees and origination costs, is recorded using the interest method and is reflected in finance charges and other revenues. Typically, interest income is recorded until the customer account is paid off or charged-off, and we provide an allowance for estimated uncollectible interest. Any contractual interest income received from customers in excess of the interest income calculated using the interest method is recorded as deferred revenue on our balance sheets. Our calculation of interest income for customers with similar financing arrangements for which the timing and amount of prepayments can be reasonably estimated includes an estimate of the benefit from future prepayments based on our historical experience. At July 31, 2017 and January 31, 2017 , there was $13.5 million and $13.7 million , respectively, of deferred interest included in deferred revenues and other credits and other long-term liabilities. The deferred interest will ultimately be brought into income as the accounts pay off or charge-off. We offer 12 -and 18 -month no -interest option 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 option 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 estimated accrued interest earned to date on all no -interest option finance programs with an offsetting reserve for those customers expected to satisfy the requirements of the program based on our historical experience. No -interest option finance programs with terms greater than 12 months are 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. 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 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 July 31, 2017 and January 31, 2017 , customer receivables carried in non-accrual status were $49.2 million and $22.9 million , respectively. At July 31, 2017 and January 31, 2017 , customer receivables that were past due 90 days or more and still accruing interest totaled $84.9 million and $124.0 million , respectively. The shift in the customer receivables balance from 90 days or more and still accruing interest to customer receivables in non-accrual status is primarily due to the increased use of third-party collection agencies to support our internal collection efforts. At July 31, 2017 and January 31, 2017, customer receivables in a bankruptcy status that are less than 60 days past due of $15.2 million and $19.5 million , respectively, are included within the customer receivables carried in non-accrual status balance. Allowance for doubtful accounts. The determination of the amount of the allowance for bad debts is, by nature, highly complex and subjective. Future events that are inherently uncertain could result in material changes to the level of the allowance for bad debts. General economic conditions, changes to state or federal regulations and a variety of other factors that affect the ability of borrowers’ to service their debts or our ability to collect will impact the future performance of the portfolio. 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 on our non-TDR customer accounts receivable that we expect to charge-off over the next 12 months based on historical gross charge-off rates over the last 24 months. During the three months ended July 31, 2017, we began to incorporate an adjustment to historical gross charge-off rates for a scaled factor of the year-over-year change in six month average first payment default rates and the year-over-year change in the balance of customer accounts receivable that are 60 days or more past due. In addition to adjusted historical gross charge-off rates, estimates of post-charge-off recoveries, including cash payments from customers, amounts realized from the repossession of the products financed, sales tax recoveries from taxing jurisdictions, and payments received under credit insurance policies are also considered. Qualitative adjustments are made to the allowance for bad debts when, based on management’s judgment, there are internal or external factors impacting probable incurred losses not taken into account by the quantitative calculations. These qualitative considerations are based on the following factors: changes in lending policies and procedures, changes in economic and business conditions, changes in the nature and volume of the portfolio, changes in lending management, changes in credit quality statistics, changes in the quality of the loan review system, changes in the value of underlying collateral, changes in concentrations of credit, and other internal or external factor changes. We utilize an economic qualitative adjustment based on changes in unemployment rates if current unemployment rates in our markets are worse than they were on average over the last 24 months. We also qualitatively limit the impact of changes in first payment default rates and changes in delinquency when those changes result in a decrease to the allowance for bad debts based on a measure of the dispersion of historical charge-off rates. The impact of the changes in first payment default rates and changes in delinquency balance adjustments implemented during the second quarter, net of qualitative adjustments, was a reduction to the allowance for doubtful accounts of $4.4 million . 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 based primarily on the performance of TDR loans over the last 24 months. The cash flows are discounted based on the weighted-average effective interest rate of the TDR accounts. The excess of the carrying amount over the discounted cash flow amount is recorded as an allowance for loss on those accounts. Debt Issuance Costs. Costs that are direct and incremental to debt issuance are deferred and amortized to interest expense using the effective interest method over the expected life of the debt. All other costs related to debt issuance are expensed as incurred. We present debt issuance costs associated with long-term debt as a reduction of the carrying amount of the debt. Unamortized costs related to the revolving credit facility were $6.7 million and $5.7 million as of July 31, 2017 and January 31, 2017 , respectively, and were included in other assets on our consolidated balance sheet. Income Taxes. For the six months ended July 31, 2017 and 2016 we utilized the estimated annual effective tax rate based on our estimated fiscal year 2018 and 2017 pre-tax income, respectively, in determining income tax expense. Stock-based compensation. During the three months ended July 31, 2017, the Company granted 72,012 performance stock awards ("PSUs") and 318,806 restricted stock awards (“RSUs") with an aggregate grant date fair value of $6.8 million . During the six months ended July 31, 2017, the Company granted 501,012 PSUs and 643,293 RSUs with an aggregate grant date fair value of $14.5 million . During the three months ended July 31, 2016, the Company granted 131,759 PSUs and 319,454 RSUs with an aggregate grant date fair value of $4.8 million . During the six months ended July 31, 2016, the Company granted 131,759 PSUs and 328,827 RSUs with an aggregate grant date fair value of $4.9 million . The majority of the PSUs issued during the six months ended July 31, 2017 will vest, if at all, upon the certification, after the Company’s fiscal year 2020, by the compensation committee of the satisfaction of the annual and cumulative Earnings Before Interest, Taxes, Depreciation and Amortization performance conditions over the three fiscal years commencing with the Company’s fiscal year 2018. The majority of the RSUs issued during the six months ended July 31, 2017 will vest, if at all, over periods of three to five years from the date of grant. For the three months ended July 31, 2017 and 2016 , stock-based compensation expense was $ 3.6 million and $1.3 million , respectively. For the six months ended July 31, 2017 and 2016 , stock-based compensation expense was $5.2 million and $2.6 million , respectively. Earnings per Share . Basic earnings per share is calculated by dividing net income (loss) by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes the dilutive effects of any stock options and restricted stock units granted, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding for the earnings per share calculations: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Weighted-average common shares outstanding - Basic 31,094 30,731 31,034 30,696 Dilutive effect of stock options and restricted stock units 341 — 258 — Weighted-average common shares outstanding - Diluted 31,435 30,731 31,292 30,696 For the three months ended July 31, 2017 and 2016 the weighted-average number of stock options and restricted stock units not included in the calculation due to their anti-dilutive effect was 0.4 million and 1.3 million , respectively. For the six months ended July 31, 2017 and 2016 , the weighted-average number of stock options and restricted stock units not included in the calculation due to their anti-dilutive effect was 0.5 million and 1.0 million , respectively. 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 – Inputs represent unadjusted quoted prices in active markets for identical assets or liabilities • Level 2 – Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly (for example, quoted market prices for similar assets or liabilities in active markets or quoted market prices for identical assets or liabilities in markets not considered to be active, inputs other than quoted prices that are observable for the asset or liability, or market-corroborated inputs). • Level 3 – Inputs that are not observable from objective sources such as our internally developed assumptions used in pricing an asset or liability (for example, an estimate of future cash flows used in our internally developed present value of future cash flows model that underlies the fair-value measurement). In determining fair value, we use observable market data when available, or models that incorporate observable market data. When we are required to measure fair value and there is not a market-observable price for the asset or liability or for a similar asset or liability, we use the cost or income approach depending on the quality of information available to support management’s assumptions. The cost approach is based on management’s best estimate of the current asset replacement cost. The income approach is based on management’s best assumptions regarding expectations of future net cash flows and discounts the expected cash flows using a commensurate risk-adjusted discount rate. Such evaluations involve significant judgment, and the results are based on expected future events or conditions such as sales prices, economic and regulatory climates, and other factors, most of which are often outside of management’s control. However, we believe assumptions used reflect a market participant’s view of long-term prices, costs, and other factors and are consistent with assumptions used in our business plans and investment decisions. In arriving at fair-value estimates, we use relevant observable inputs available for the valuation technique employed. If a fair-value measurement reflects inputs at multiple levels within the hierarchy, the fair-value measurement is characterized based on the lowest level of input that is significant to the fair-value measurement. The fair value of cash and cash equivalents, restricted cash held by the consolidated VIEs 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, which includes the allowance for doubtful accounts. The fair value of our revolving credit facility approximates carrying value based on the current borrowing rate for similar types of borrowing arrangements. At July 31, 2017 , the fair value of the Senior Notes outstanding, which was determined using Level 1 inputs, was $221.4 million as compared to the carrying value of $227.0 million , excluding the impact of the related discount. At July 31, 2017 , the fair value of the asset-backed notes approximates their carrying value and was determined using Level 2 inputs based on inactive trading activity. Recent Accounting Pronouncements Adopted. In March 2016, the FASB issued ASU 2016-09, Compensation—Stock Compensation (Topic 718): 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 are classified as operating activities as opposed to financing. The standard became effective for us in the first quarter of fiscal year 2018. The amendment requiring the recognition of excess tax benefits and deficiencies as income tax benefit or expense in the income statement as opposed to being recognized as additional paid-in-capital was applied prospectively; the impact was not material. The Company retrospectively adopted the amendments requiring the classification of excess tax benefits and deficiencies with other income tax cash flows as operating activities and cash paid when directly withholding shares as financing activities in the accompanying consolidated statements of cash flows; the impact was not material. The Company has elected to continue its current practice of estimating the number of awards expected to vest in determining the amount of compensation cost to be recognized related to share based payment transactions. In July 2015, the FASB issued ASU 2015-11, Inventory (Topic 330): Simplifying the Measurement of Inventory. ASU 2015-11 requires that inventory that has historically been measured using first-in, first-out or average cost method be measured at the lower of cost and net realizable value. The update requires prospective application and became effective for us in the first quarter of fiscal year 2018. The adoption of this ASU did not have a material impact on our consolidated financial statements. Recent Accounting Pronouncements Yet To Be Adopted. In May 2014, the FASB issued 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 such 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. The FASB has also issued ASU 2016-08, Revenue from Contracts with Customers: Principal versus Agent Considerations (Reporting Revenue Gross versus Net); ASU 2016-10, Revenue from Contracts with Customers: Identifying Performance Obligations and Licensing ; ASU 2016-11, Rescission of SEC Guidance Because of Accounting Standards Updates 2014-09 and 2014-16 Pursuant to Staff Announcements at the March 3, 2016 EITF Meeting ; and ASU 2016-12, Revenue from Contracts with Customers: Narrow-Scope Improvements and Practical Expedients, all of which were issued to improve and clarify the guidance in ASU 2014-09. These ASUs are 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 currently anticipate adopting the standard using the cumulative catch-up transition method. Based on our preliminary assessment, we do not expect the adoption of these ASUs to have a material impact on our consolidated financial statements other than the expected additional disclosure requirements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842), 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 final standard will become effective for us beginning in the first quarter of fiscal year 2020. We are currently assessing the impact this ASU will have on our financial statements. We are the lessee under various lease agreements for our retail stores and equipment that are currently accounted for as operating leases as discussed in Note 6, Leases, of our audited Consolidated Financial Statements included in our Annual Report on Form 10-K for the fiscal year ended January 31, 2017 . In June 2016, the FASB issued ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . ASU 2016-13 requires that financial assets measured at amortized cost should be presented at the net amount expected to be collected through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The standard will become effective for us in the first quarter of fiscal year 2021 and earlier adoption is permitted beginning in the first quarter of fiscal year 2020. We are currently assessing the impact this ASU will have on our financial statements. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) . ASU 2016-15 clarifies guidance on the classification of certain cash receipts and payments in the statement of cash flows to reduce diversity in practice. Among other things, the presentation of debt prepayment or debt extinguishment costs as cash outflows for financing activities on the statement of cash flow. The standard will become effective for us in the first quarter of fiscal year 2019 and early adoption is permitted. The adoption of this ASU is not expected to have a significant impact on our consolidated financial statements. In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other than Inventory , which eliminates the exception that prohibits the recognition of current and deferred income tax effects for intra-entity transfers of assets other than inventory until the asset has been sold to an outside party. We will be required to adopt the amendments in this ASU in the annual and interim periods for our fiscal year ending January 31, 2019, with early adoption permitted. The application of the amendments will require the use of a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. We are evaluating the standard and the impact it will have on our consolidated financial statements. In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force) . ASU 2016-18 requires that the statement of cash flows provides the change in the total of cash, cash equivalents, and restricted cash or restricted cash equivalents. This will result in us no longer showing the changes in restricted cash balances as a component of cash flows from financing activities but instead include the balances of both current and long-term restricted cash with cash and cash equivalents in total cash, cash equivalents and restricted cash for the beginning and end of the periods presented. The ASU will become effective for us in the first quarter of fiscal year 2019, and early adoption is permitted. We are currently assessing when we expect to adopt the ASU.

Customer Accounts Receivable

Customer Accounts Receivable	6 Months Ended
	Jul. 31, 2017
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) July 31, January 31, July 31, January 31, July 31, January 31, Customer accounts receivable $ 1,337,121 $ 1,417,581 $ 111,963 $ 127,747 $ 94,470 $ 111,585 Restructured accounts 142,411 138,858 41,820 38,010 142,411 138,858 Total customer portfolio balance 1,479,532 1,556,439 $ 153,783 $ 165,757 $ 236,881 $ 250,443 Allowance for uncollectible accounts (202,655 ) (210,175 ) Allowances for no-interest option credit programs (18,587 ) (21,207 ) Deferred fees and origination costs, net (12,152 ) (6,991 ) Total customer accounts receivable, net 1,246,138 1,318,066 Short-term portion of customer accounts receivable, net (644,148 ) (702,162 ) Long-term portion of customer accounts receivable, net $ 601,990 $ 615,904 Securitized receivables held by the VIEs $ 910,385 $ 1,015,837 $ 120,385 $ 156,344 $ 231,320 $ 238,375 Receivables not held by the VIEs 569,147 540,602 33,398 9,413 5,561 12,068 Total customer portfolio balance $ 1,479,532 $ 1,556,439 $ 153,783 $ 165,757 $ 236,881 $ 250,443 (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 July 31, 2017 and January 31, 2017 , the amounts included within both past due and re-aged were $70.8 million and $66.7 million , respectively. As of July 31, 2017 and January 31, 2017 , the total customer portfolio balance past due one day or greater was $391.5 million and $406.1 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: Six Months Ended July 31, 2017 Six Months Ended July 31, 2016 (in thousands) Customer Accounts Receivable Restructured Accounts Total Customer Accounts Receivable Restructured Accounts Total Allowance at beginning of period $ 158,992 $ 51,183 $ 210,175 $ 149,226 $ 41,764 $ 190,990 Provision (1) 92,285 33,208 125,493 108,333 29,768 138,101 Principal charge-offs (2) (92,251 ) (26,159 ) (118,410 ) (91,261 ) (20,969 ) (112,230 ) Interest charge-offs (14,911 ) (4,228 ) (19,139 ) (15,384 ) (3,544 ) (18,928 ) Recoveries (2) 3,534 1,002 4,536 2,636 607 3,243 Allowance at end of period $ 147,649 $ 55,006 $ 202,655 $ 153,550 $ 47,626 $ 201,176 Average total customer portfolio balance $ 1,356,569 $ 139,106 $ 1,495,675 $ 1,428,396 $ 123,451 $ 1,551,847 (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	6 Months Ended
	Jul. 31, 2017
Restructuring and Related Activities [Abstract]
Accrual for Store Closures	Accrual for Store and Facility Closures We have closed or relocated retail and facility locations that did not perform at a level expected for mature store locations or that did not align with our long-term retail objectives. Certain of the closed or relocated stores and facilities had non-cancelable 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 and facility closures: Six Months Ended (in thousands) 2017 2016 Balance at beginning of period $ 3,641 $ 1,866 Accrual for additional closures 1,227 — Adjustments 38 23 Cash payments, net of sublease income (1,739 ) (339 ) Balance at end of period 3,167 1,550 Current portion, included in accrued expenses (986 ) (643 ) Long-term portion, included in other long-term liabilities $ 2,181 $ 907

Charges and Credits

Charges and Credits	6 Months Ended
	Jul. 31, 2017
Charges and Credits [Abstract]
Charges and Credits	Charges and Credits Charges and credits consisted of the following: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Facility closure costs $ 122 $ — $ 1,349 $ — Impairments from disposals — 1,385 — 1,385 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 34 135 34 589 Employee severance 1,317 1,213 1,317 1,213 Indirect tax audit reserve 2,595 — 2,595 — Executive management transition costs — 162 — 234 $ 4,068 $ 2,895 $ 5,295 $ 3,421 During the three months ended July 31, 2017 , we incurred severance costs related to a change in the executive management team and a charge related to an increase in our indirect tax audit reserve. During the six months ended July 31, 2017 , we incurred exit costs associated with reducing the square footage of a distribution center, severance costs related to a change in the executive management team, and a charge related to an increase in our indirect tax audit reserve. During the three and six months ended July 31, 2016 , we incurred costs associated with impairments from disposals, legal and professional fees related to our securities-related litigation and severance and transition costs due to changes in the executive management team. The impairments from disposals included the write-off of leasehold improvements for one store we relocated prior to the end of the useful life of the leasehold improvements and incurred costs for a terminated store project prior to starting construction.

Finance Charges and Other Reven

Finance Charges and Other Revenue	6 Months Ended
	Jul. 31, 2017
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 Six Months Ended (in thousands) 2017 2016 2017 2016 Interest income and fees $ 69,490 $ 54,502 $ 136,621 $ 115,123 Insurance commissions 10,652 11,219 19,982 20,675 Other revenues 92 437 172 931 $ 80,234 $ 66,158 $ 156,775 $ 136,729 Interest income and fees and insurance commissions are derived from the credit segment operations, whereas other revenues are derived from the retail segment operations. During the three months ended July 31, 2017 and 2016, interest income and fees reflected provisions for uncollectible interest of $10.5 million and $10.2 million and amounts related to TDR accounts of $4.6 million and $4.2 million , respectively. During the six months ended July 31, 2017 and 2016, interest income and fees reflected provisions for uncollectible interest of $20.5 million and $20.2 million and amounts related to TDR accounts of $9.1 million and $8.3 million , respectively.

Debt and Capital Lease Obligati

Debt and Capital Lease Obligations	6 Months Ended
	Jul. 31, 2017
Debt Disclosure [Abstract]
Debt and Capital Lease Obligations	Debt and Capital Lease Obligations Debt and capital lease obligations consisted of the following: (in thousands) July 31, January 31, Revolving credit facility $ 200,000 $ 177,500 Senior Notes 227,000 227,000 2015 VIE Asset-backed Class A notes — 12,166 2015 VIE Asset-backed Class B notes — 165,900 2016-A VIE Asset-backed Class A notes — 64,732 2016-A VIE Asset-backed Class B notes 30,618 70,510 2016-A VIE Asset-backed Class C notes 70,510 70,510 2016-B VIE Asset-backed Class A notes 66,292 256,513 2016-B VIE Asset-backed Class B notes 111,960 111,960 2017-A VIE Asset-backed Class A notes 202,832 — 2017-A VIE Asset-backed Class B notes 106,270 — 2017-A VIE Asset-backed Class C notes 50,340 — Capital lease obligations 5,439 2,393 Total debt and capital lease obligations 1,071,261 1,159,184 Less: Discount on debt (2,808 ) (3,089 ) Deferred debt issuance costs (6,827 ) (10,853 ) Current maturities of capital lease obligations (906 ) (849 ) Long-term debt and capital lease obligations $ 1,060,720 $ 1,144,393 Senior Notes. On July 1, 2014, we issued $250.0 million of the unsecured Senior Notes due July 2022 bearing interest at 7.25% (the "Senior Notes"), 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 the discount and issuance costs 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 on restricted payments are only effective if one or more of the following occurred: (1) a default were to exist under the Indenture, (2) we could not satisfy a debt incurrence test, and (3) the aggregate amount of restricted payments were to exceed an amount tied to 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 had a leverage ratio, as defined under the Indenture, of less than or equal to 2.50 to 1.0 . As a result of these exceptions, as of July 31, 2017 , $177.7 million would have been free from the distribution restriction. However, as a result of the revolving credit facility distribution restrictions, which are further described below, we were restricted from making a distribution as of July 31, 2017. 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 on the payment of other debt due at maturity or upon acceleration of 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. During fiscal years 2018, 2017 and 2016, we securitized customer accounts receivables by transferring the receivables to various bankruptcy-remote VIEs. In turn, the VIEs 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, all cash collections and other cash proceeds of the customer receivables go first to the servicer and the holders of issued notes, and then to us as the holder of non-issued notes and residual equity. We retain the servicing of the securitized portfolios and receive a monthly fee of 4.75% (annualized) based on the outstanding balance of the securitized receivables. In addition, we, rather than the VIEs, 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 are reflected as a reduction to net charge-offs on a consolidated basis. The asset-backed notes were offered and sold to qualified institutional buyers pursuant to the exemptions from registration provided by Rule 144A under the Securities Act of 1933, as amended. If an event of default were to occur under the indenture that governs the respective asset-backed notes, the payment of the outstanding amounts may be accelerated, in which event the cash proceeds of the receivables that otherwise might be released to the residual equity holder would instead be directed entirely toward repayment of the asset-backed notes, or if the receivables are liquidated, all liquidation proceeds could be directed solely to repayment of the asset-backed notes as governed by the respective terms of the asset-backed notes. The holders of the asset-backed notes have no recourse to assets outside of the VIEs. Events of default include, but are not limited to, failure to make required payments on the asset-backed notes or specified bankruptcy-related events. The asset-backed notes consist of the following: Asset-Backed Notes Principal Amount Net Proceeds (1) Issuance Date Maturity Date Fixed Interest Rate Effective Interest Rate (2) 2016-A Class B Notes 70,510 68,309 3/17/2016 8/15/2018 8.96% 9.88% 2016-A Class C Notes 70,510 71,648 10/12/2016 4/15/2020 12.00% 10.96% 2016-B Class A Notes 391,840 380,033 10/6/2016 10/15/2018 3.73% 5.56% 2016-B Class B Notes 111,960 108,586 10/6/2016 3/15/2019 7.34% 8.09% 2017-A Class A Notes 313,220 304,451 4/19/2017 7/15/2019 2.73% 4.97% 2017-A Class B Notes 106,270 103,300 4/19/2017 2/15/2020 5.11% 5.80% 2017-A Class C Notes 50,340 48,919 4/19/2017 10/15/2021 7.40% 7.83% Total $ 1,114,650 $ 1,085,246 (1) After giving effect to debt issuance costs and restricted cash held by the VIEs. (2) For the six months ended July 31, 2017, and inclusive of retrospective adjustments to deferred debt issuance costs based on changes in timing of actual and expected cash flows. On May 15, 2017, the Company completed the redemption of its Series 2015-A Class B Notes (collectively, the "2015-A Redeemed Notes") at an aggregate redemption price of $114.1 million (which was equal to the entire outstanding principal of, plus accrued interest on, the 2015-A Redeemed Notes). The net funds used to call the notes was $78.8 million , which is equal to the redemption price less adjustments of $35.3 million for funds held in reserve and collection accounts in accordance with the terms of the applicable indenture governing the 2015-A Redeemed Notes. The net funds used to call the 2015-A Redeemed Notes of $78.8 million was transferred from the Guarantors to the Non-Guarantor Subsidiary in exchange for the underlying securities held as collateral on the 2015-A Redeemed Notes with carrying value of $126.3 million as of April 30, 2017. In connection with the early redemption of the 2015-A Redeemed Notes, we wrote-off $2.1 million of debt issuance costs. Revolving Credit Facility. On March 31, 2017, Conn's, Inc. and certain of its subsidiaries (the "Borrowers") entered into a Third Amendment (the "Third Amendment") to the Third Amended and Restated Loan and Security Agreement, dated as of October 30, 2015, with certain lenders, which provides for a $750.0 million asset-based revolving credit facility (the "revolving credit facility") under which credit availability is subject to a borrowing base. The revolving credit facility matures on October 30, 2019. The Third Amendment, among other things, (a) extends the maturity date of the credit facility one year to October 30, 2019; (b) provides for a reduction in the aggregate commitments from $810 million to $750 million ; (c) amends the minimum interest coverage ratio covenant to (i) eliminate the application of the minimum interest coverage ratio covenant for the fiscal quarter ended April 30, 2017 and (ii) reduce the minimum interest coverage ratio (A) to 0.80 x as of the last day of the fiscal quarter ended July 31, 2017, (B) to 1.10 x as of the last day of the fiscal quarter ending October 31, 2017 and (C) to 1.25 x as of the last day of each fiscal quarter thereafter, beginning with the fiscal quarter ending January 31, 2018; (d) sets the applicable margin at 3.50% for LIBOR loans and 2.50% for Base Rate loans until the Company demonstrates an interest coverage ratio of equal to or greater than 1.10 x for the fiscal quarter ending October 31, 2017, at which point the applicable margin will revert to being determined according to the existing pricing grid based on facility availability; (e) reduces the minimum cash recovery percentage on the contracts it owns and manages from 4.50% to 4.45% for the first nine months of each fiscal year, and from 4.25% to 4.20% for the last three months of each fiscal year; (f) amends the definition of “EBITDA” to, among other things, exclude the impact of non-cash asset write-offs relating to construction in process; (g) amends the definition of “Interest Expense” to exclude certain non-interest expenses; (h) amends various definitions and other related provisions to clarify the Company’s ability to undertake permitted securitization transactions; (i) increases the number of equity cures that may be exercised during the term of the agreement from one time to two times, and increases the maximum amount of each such cure from $10 million to $20 million ; and (j) modifies the calculations of “Tangible Net Worth” and “Interest Coverage Ratio” to deduct certain amounts attributable to the difference between a calculated loss reserve and the Company’s recorded loss reserve on its customer receivables. Loans under the revolving credit facility bear interest, at our option, at a rate equal to LIBOR plus the applicable margin at 3.50% for LIBOR loans and 2.50% for base rate loans until the Company demonstrates an interest coverage ratio of equal to or greater than 1.10 x for the fiscal quarter ending October 31, 2017, at which point the applicable margin will revert to being determined according to the existing pricing grid based on facility availability which specifies a margin ranging from 2.75% to 3.25% per annum (depending on quarterly average net availability under the borrowing base) or the alternate base rate plus a margin ranging from 1.75% to 2.25% per annum (depending on quarterly average net availability under the borrowing base). The alternate base rate is the greatest 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% . We also pay an unused fee on the portion of the commitments that is available for future borrowings or letters of credit at a rate ranging from 0.25% to 0.75% per annum, depending on the average outstanding balance and letters of credit of the revolving credit facility in the immediately preceding quarter. The weighted-average interest rate on borrowings outstanding and including unused line fees under the revolving credit facility was 6.9% for the three months ended July 31, 2017 . 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 July 31, 2017 , we had immediately available borrowing capacity of $130.5 million under our revolving credit facility, net of standby letters of credit issued of $2.8 million . We also had $416.8 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 July 31, 2017 , we were unable to repay the Senior Notes or make other distributions as a result of the revolving credit facility restrictions. The revolving credit facility contains customary default provisions, which, if triggered, could result in acceleration of all amounts outstanding under the revolving credit facility. In connection with entering into the third amendment to the revolving credit facility, we wrote-off $0.3 million of debt issuance costs for lenders that did not continue to participate. We also paid $2.8 million of debt issuance costs, recorded as other assets, which will be amortized ratably over the remaining term of the revolving credit facility along with the unamortized debt issuance costs remaining on the revolving credit facility. Debt covenants. We were in compliance with our debt covenants, as amended, at July 31, 2017 . A summary of the significant financial covenants that govern our revolving credit facility, as amended, compared to our actual compliance status at July 31, 2017 is presented below: Actual Required Minimum/ Maximum Interest Coverage Ratio must equal or exceed minimum 1.83:1.00 0.80:1.00 Leverage Ratio must not exceed maximum 2.42:1.00 4.00:1.00 ABS Excluded Leverage Ratio must not exceed maximum 1.33:1.00 2.00:1.00 Cash Recovery Percent must exceed stated amount 5.01% 4.45% Capital Expenditures, net, must not exceed maximum $3.1 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 to the financial statement captions in this document. The covenants are 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. On August 8, 2017, the Company closed on the initial financing under a warehouse financing transaction and completed the redemption of its Series 2016-A Class B Notes and Class C Notes on August 15, 2017 with the proceeds from that closing. See Note 11. Subsequent Events for additional details.

Contingencies

Contingencies	6 Months Ended
	Jul. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies Securities Class Action Litigation. We and two 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”), captioned 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 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 or call options, or sold or 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 defendant's motion to dismiss was fully briefed and the Court held a hearing on defendants' motion on March 25, 2016 and on May 5, 2016, the Court issued a ruling that dismissed 78 of 91 alleged misstatements. The parties have submitted their respective briefs in support of, and in opposition to, class certification, and also engaged in discovery pursuant to the Court’s scheduling order. In late June 2017, the Court granted the plaintiffs’ motion for class certification, and shortly thereafter, Defendants filed a petition for permission to appeal to the U.S. 5 th Circuit Court of Appeals. The Fifth Circuit granted leave to appeal on August 21, 2017. Trial is scheduled for July 2018. We intend to vigorously defend against all of the claims in the Consolidated Securities Action against us. 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, purportedly on behalf of the Company, filed a derivative shareholder lawsuit against us and certain of our current and former directors and former executive officers in the Court, captioned as 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 (former executive officer) 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 previously approved a stipulation among the parties to stay the action pending resolution of the motion to dismiss in the Consolidated Securities Action. The Consolidated Securities Action is scheduled for trial in July 2018. The parties have agreed to continue the stay. Another derivative action was filed on January 27, 2015, captioned as Richard A. Dohn v. Wright, et al., Cause No. 2015-04405, filed in the 281st Judicial District Court, Harris County, Texas. This action makes substantially similar allegations to the Original Derivative Action against the same defendants. On June 28, 2017, the court entered an order extending the stay for an additional 60 days (until September 15, 2017). On May 19, 2016, an alleged shareholder, purportedly on behalf of the Company, filed a lawsuit against us and certain of our current and former directors and former executive officers in the 55th Judicial District Court, Harris County, Texas, captioned as Robert J. Casey II, derivatively on behalf of Conn's, Inc., v. Theodore M. Wright (former executive officer and former director), Michael J. Poppe (former executive officer), 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. Pursuant to the parties’ agreement, this action is currently stayed. 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. 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. Regulatory Matters. We are continuing to cooperate with the SEC's investigation of our underwriting policies and bad debt provisions, which began in November 2014. 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 us. 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

Variable Interest Entity	6 Months Ended
	Jul. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable Interest Entity	Variable Interest Entities In fiscal years 2018, 2017 and 2016, we securitized customer accounts receivables by transferring the receivables to various bankruptcy-remote VIEs. Under the terms of the respective securitization transactions, all cash collections and other cash proceeds of the customer receivables go first to the servicer and the holders of the asset-backed notes, and then to the residual equity holder. We retain the servicing of the securitized portfolio and receive a monthly fee of 4.75% (annualized) based on the outstanding balance of the securitized receivables, and we currently hold all of the residual equity. In addition, we, rather than the VIEs, will retain certain 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. We consolidate VIEs when we determine that we are the primary beneficiary of these VIEs, we have the power to direct the activities that most significantly impact the performance of the VIEs and our obligation to absorb losses and the right to receive residual returns are significant. The following table presents the assets and liabilities held by the VIEs (for legal purposes, the assets and liabilities of the VIEs will remain distinct from Conn's, Inc.): (in thousands) July 31, January 31, Assets: Restricted cash $ 86,436 $ 110,698 Due from Conn's, Inc., net 8,526 7,368 Customer accounts receivable: Customer accounts receivable 812,279 884,367 Restructured accounts 98,106 131,470 Allowance for uncollectible accounts (130,103 ) (150,435 ) Allowances for no-interest option credit programs (13,425 ) (15,912 ) Deferred fees and origination costs (4,360 ) — Total customer accounts receivable, net 762,497 849,490 Total assets $ 857,459 $ 967,556 Liabilities: Accrued expenses $ 5,660 $ 6,525 Other liabilities 10,301 6,691 Long-term debt: 2015 Class A Notes — 12,166 2015 Class B Notes — 165,900 2016-A Class A Notes — 64,732 2016-A Class B Notes 30,618 70,510 2016-A Class C Notes 70,510 70,510 2016-B Class A Notes 66,292 256,513 2016-B Class B Notes 111,960 111,960 2017-A Class A notes 202,832 — 2017-A Class B notes 106,270 — 2017-A Class C notes 50,340 — 638,822 752,291 Less: deferred debt issuance costs (3,061 ) (6,710 ) Total long-term debt 635,761 745,581 Total liabilities $ 651,722 $ 758,797 The assets of the VIEs serve as collateral for the obligations of the VIEs. The holders of the asset-backed notes have no recourse to assets outside of the respective VIEs.

Segment Reporting

Segment Reporting	6 Months Ended
	Jul. 31, 2017
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting Operating segments are defined as components of an enterprise that engage in business activities and for which discrete financial information is available that is evaluated on a regular basis by the chief operating decision maker to make decisions about how to allocate resources and assess performance. We are a leading specialty retailer and offer a broad selection of quality, branded durable consumer goods and related services in addition to a proprietary credit solution for our core credit-constrained consumers. We have two operating segments: (i) retail and (ii) credit. Our operating segments complement one another. The retail segment operates primarily through our stores and website in the retail furniture and mattresses, home appliances, consumer electronics and home office products business. Our retail segment 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 segment offers affordable financing solutions to a large, under-served population of credit-constrained consumers who typically have limited credit alternatives. Our operating segments provide customers the opportunity to comparison shop across brands with confidence in our competitive prices as well as affordable monthly payment options, next day delivery and installation in the majority of our markets, and product repair service. We believe our large, attractively merchandised retail stores and credit solutions offer a distinctive value proposition compared to other retailers that target our core customer demographic. The operating segments follow the same accounting policies used in our consolidated financial statements. We evaluate a segment’s performance based upon operating income before taxes. Selling, general and administrative expenses include the direct expenses of the retail and credit operations, allocated corporate 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 which 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. As of July 31, 2017 , we operated retail stores in 14 states with no operations outside of the United States. No single customer accounts for more than 10% of our total revenues. Financial information by segment is presented in the following tables: Three Months Ended July 31, 2017 Three Months Ended July 31, 2016 (in thousands) Retail Credit Total Retail Credit Total Revenues: Furniture and mattress $ 95,297 $ — $ 95,297 $ 105,562 $ — $ 105,562 Home appliance 89,085 — 89,085 101,359 — 101,359 Consumer electronic 52,946 — 52,946 65,735 — 65,735 Home office 17,862 — 17,862 21,701 — 21,701 Other 4,403 — 4,403 5,366 — 5,366 Product sales 259,593 — 259,593 299,723 — 299,723 Repair service agreement commissions 23,519 — 23,519 28,310 — 28,310 Service revenues 3,301 — 3,301 3,966 — 3,966 Total net sales 286,413 — 286,413 331,999 — 331,999 Finance charges and other revenues 92 80,142 80,234 437 65,721 66,158 Total revenues 286,505 80,142 366,647 332,436 65,721 398,157 Costs and expenses: Cost of goods sold 172,306 — 172,306 208,869 — 208,869 Selling, general and administrative expenses (1) 78,667 32,965 111,632 84,838 35,008 119,846 Provision for bad debts 165 49,284 49,449 127 60,069 60,196 Charges and credits 4,068 — 4,068 2,895 — 2,895 Total costs and expense 255,206 82,249 337,455 296,729 95,077 391,806 Operating income (loss) 31,299 (2,107 ) 29,192 35,707 (29,356 ) 6,351 Interest expense — 20,039 20,039 — 24,138 24,138 Loss on extinguishment of debt — 2,097 2,097 — — — Income (loss) before income taxes $ 31,299 $ (24,243 ) $ 7,056 $ 35,707 $ (53,494 ) $ (17,787 ) Six Months Ended July 31, 2017 Six Months Ended July 31, 2016 (in thousands) Retail Credit Total Retail Credit Total Revenues: Furniture and mattress $ 189,740 $ — $ 189,740 $ 210,868 $ — $ 210,868 Home appliance 169,207 — 169,207 189,263 — 189,263 Consumer electronic 108,699 — 108,699 131,600 — 131,600 Home office 34,650 — 34,650 44,174 — 44,174 Other 8,659 — 8,659 10,308 — 10,308 Product sales 510,955 — 510,955 586,213 — 586,213 Repair service agreement commissions 48,215 — 48,215 56,495 — 56,495 Service revenues 6,528 — 6,528 7,833 — 7,833 Total net sales 565,698 — 565,698 650,541 — 650,541 Finance charges and other revenues 172 156,603 156,775 931 135,798 136,729 Total revenues 565,870 156,603 722,473 651,472 135,798 787,270 Costs and expenses: Cost of goods sold 344,256 — 344,256 413,335 — 413,335 Selling, general and administrative expenses (1) 152,614 65,555 218,169 164,821 68,272 233,093 Provision for bad debts 395 104,984 105,379 525 117,889 118,414 Charges and credits 5,295 — 5,295 3,421 — 3,421 Total costs and expense 502,560 170,539 673,099 582,102 186,161 768,263 Operating income (loss) 63,310 (13,936 ) 49,374 69,370 (50,363 ) 19,007 Interest expense — 44,047 44,047 — 50,034 50,034 Loss on extinguishment of debt — 2,446 2,446 — — — Income (loss) before income taxes $ 63,310 $ (60,429 ) $ 2,881 $ 69,370 $ (100,397 ) $ (31,027 ) (1) For the three months ended July 31, 2017 and 2016 , the amount of corporate overhead allocated to each segment reflected in selling, general and administrative expense was $7.7 million and $6.5 million , respectively. For the three months ended July 31, 2017 and 2016 , the amount of reimbursement made to the retail segment by the credit segment was $9.2 million and $9.6 million , respectively. For the six months ended July 31, 2017 and 2016 , the amount of corporate overhead allocated to each segment reflected in selling, general and administrative expense was $14.2 million and $12.2 million , respectively. For the six months ended July 31, 2017 and 2016 , the amount of reimbursement made to the retail segment by the credit segment was $18.7 million and $19.4 million , respectively.

Guarantor Financial Information

Guarantor Financial Information (Notes)	6 Months Ended
	Jul. 31, 2017
Guarantor Financial Information [Abstract]
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. As of July 31, 2017 and January 31, 2017, the direct or indirect subsidiaries of Conn's, Inc. that were not Guarantors (the "Non-Guarantor Subsidiaries") were the VIEs and 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 dividends or distributions. 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 Guarantors, and the Non-Guarantor Subsidiaries, together with certain eliminations. Investments in subsidiaries are accounted for by the parent company using the equity method for purposes of this presentation. Results of operations of subsidiaries are therefore reflected in the parent company's investment accounts and operations. The consolidated financial information includes financial data for: (i) Conn’s, Inc. (on a parent-only basis), (ii) Guarantors, (iii) Non-Guarantor Subsidiaries, and (iv) the parent company and the subsidiaries on a consolidated basis at July 31, 2017 and January 31, 2017 (after the elimination of intercompany balances and transactions). Condensed consolidated net income (loss) is the same as condensed consolidated comprehensive income (loss) for the periods presented. Condensed Consolidated Balance Sheet as of July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 35,018 $ — $ — $ 35,018 Restricted cash — — 86,436 — 86,436 Customer accounts receivable, net of allowance — 213,293 430,855 — 644,148 Other accounts receivable — 59,401 — — 59,401 Inventories — 196,768 — — 196,768 Other current assets — 19,711 8,526 (12,354 ) 15,883 Total current assets — 524,191 525,817 (12,354 ) 1,037,654 Investment in and advances to subsidiaries 673,953 205,738 — (879,691 ) — Long-term portion of customer accounts receivable, net of allowance — 270,348 331,642 — 601,990 Property and equipment, net — 154,788 — — 154,788 Deferred income taxes 72,435 — — — 72,435 Other assets — 8,196 — — 8,196 Total assets $ 746,388 $ 1,163,261 $ 857,459 $ (892,045 ) $ 1,875,063 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 906 $ — $ — $ 906 Accounts payable — 100,268 — — 100,268 Accrued expenses 685 54,162 5,660 (3,828 ) 56,679 Other current liabilities — 25,335 4,146 (8,526 ) 20,955 Total current liabilities 685 180,671 9,806 (12,354 ) 178,808 Deferred rent — 85,538 — — 85,538 Long-term debt and capital lease obligations 220,426 204,534 635,760 — 1,060,720 Other long-term liabilities — 18,565 6,155 — 24,720 Total liabilities 221,111 489,308 651,721 (12,354 ) 1,349,786 Total stockholders' equity 525,277 673,953 205,738 (879,691 ) 525,277 Total liabilities and stockholders' equity $ 746,388 $ 1,163,261 $ 857,459 $ (892,045 ) $ 1,875,063 Deferred income taxes related to tax attributes of the Guarantors and Non-Guarantor Subsidiaries are reflected under Conn's, Inc. Condensed Consolidated Balance Sheet as of January 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 23,566 $ — $ — $ 23,566 Restricted cash — — 110,698 — 110,698 Customer accounts receivable, net of allowance — 173,054 529,108 — 702,162 Other accounts receivable — 69,286 — — 69,286 Inventories — 164,856 — — 164,856 Other current assets — 21,505 7,368 (11,768 ) 17,105 Total current assets — 452,267 647,174 (11,768 ) 1,087,673 Investment in and advances to subsidiaries 678,149 220,107 — (898,256 ) — Long-term portion of customer accounts receivable, net of allowance — 295,522 320,382 — 615,904 Property and equipment, net — 159,202 — — 159,202 Deferred income taxes 71,442 — — — 71,442 Other assets — 6,913 — — 6,913 Total assets $ 749,591 $ 1,134,011 $ 967,556 $ (910,024 ) $ 1,941,134 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 849 $ — $ — $ 849 Accounts payable — 101,612 — — 101,612 Accrued expenses 686 40,287 6,525 (4,399 ) 43,099 Other current liabilities — 25,230 3,961 (7,370 ) 21,821 Total current liabilities 686 167,978 10,486 (11,769 ) 167,381 Deferred rent — 87,957 — — 87,957 Long-term debt and capital lease obligations 219,768 179,044 745,581 — 1,144,393 Other long-term liabilities — 20,883 2,730 — 23,613 Total liabilities 220,454 455,862 758,797 (11,769 ) 1,423,344 Total stockholders' equity 529,137 678,149 208,759 (898,255 ) 517,790 Total liabilities and stockholders' equity $ 749,591 $ 1,134,011 $ 967,556 $ (910,024 ) $ 1,941,134 Deferred income taxes related to tax attributes of the Guarantors and Non-Guarantor Subsidiaries are reflected under Conn's, Inc. Condensed Consolidated Statement of Operations for the three months ended July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 286,413 $ — $ — $ 286,413 Finance charges and other revenues — 40,279 39,955 — 80,234 Servicing fee revenue — 12,648 — (12,648 ) — Total revenues — 339,340 39,955 (12,648 ) 366,647 Costs and expenses: Cost of goods sold — 172,306 — — 172,306 Selling, general and administrative expenses — 111,455 12,825 (12,648 ) 111,632 Provision for bad debts — 25,418 24,031 — 49,449 Charges and credits — 4,068 — — 4,068 Total costs and expenses — 313,247 36,856 (12,648 ) 337,455 Operating income — 26,093 3,099 — 29,192 Interest expense 4,443 743 14,853 — 20,039 Loss on extinguishment of debt — — 2,097 — 2,097 Income (loss) before income taxes (4,443 ) 25,350 (13,851 ) — 7,056 Provision (benefit) for income taxes (1,967 ) 12,124 (7,374 ) — 2,783 Net income (loss) before consolidation $ (2,476 ) $ 13,226 $ (6,477 ) $ — $ 4,273 Income (loss) from consolidated subsidiaries (after tax) $ 6,749 $ (6,477 ) $ — $ (272 ) $ — Consolidated net income (loss) $ 4,273 $ 6,749 $ (6,477 ) $ (272 ) $ 4,273 Condensed Consolidated Statement of Operations for the three months ended July 31, 2016 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 331,999 $ — $ — $ 331,999 Finance charges and other revenues — 33,062 33,096 — 66,158 Servicing fee revenue — 13,176 — (13,176 ) — Total revenues — 378,237 33,096 (13,176 ) 398,157 Costs and expenses: Cost of goods sold — 208,869 — — 208,869 Selling, general and administrative expenses — 119,846 13,176 (13,176 ) 119,846 Provision for bad debts — 20,830 39,366 — 60,196 Charges and credits — 2,895 — — 2,895 Total costs and expenses — 352,440 52,542 (13,176 ) 391,806 Operating income — 25,797 (19,446 ) — 6,351 Interest expense 4,397 3,352 16,389 — 24,138 Income (loss) before income taxes (4,397 ) 22,445 (35,835 ) — (17,787 ) Provision (benefit) for income taxes (1,449 ) 7,398 (11,812 ) — (5,863 ) Net income (loss) before consolidation $ (2,948 ) $ 15,047 $ (24,023 ) $ — $ (11,924 ) Income (loss) from consolidated subsidiaries (after tax) $ (8,976 ) $ (24,023 ) $ — $ 32,999 $ — Consolidated net income (loss) $ (11,924 ) $ (8,976 ) $ (24,023 ) $ 32,999 $ (11,924 ) Condensed Consolidated Statement of Operations for the six months ended July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 565,698 $ — $ — $ 565,698 Finance charges and other revenues — 77,077 79,698 — 156,775 Servicing fee revenue — 27,832 — (27,832 ) — Total revenues — 670,607 79,698 (27,832 ) 722,473 Costs and expenses: Cost of goods sold — 344,256 — — 344,256 Selling, general and administrative expenses — 217,688 28,313 (27,832 ) 218,169 Provision for bad debts — 19,985 85,394 — 105,379 Charges and credits — 5,295 — — 5,295 Total costs and expenses — 587,224 113,707 (27,832 ) 673,099 Operating income — 83,383 (34,009 ) — 49,374 Interest expense 8,886 2,521 32,640 — 44,047 Loss on extinguishment of debt — 349 2,097 — 2,446 Income (loss) before income taxes (8,886 ) 80,513 (68,746 ) — 2,881 Provision (benefit) for income taxes (3,664 ) 33,200 (28,348 ) — 1,188 Net income (loss) before consolidation $ (5,222 ) $ 47,313 $ (40,398 ) $ — $ 1,693 Income (loss) from consolidated subsidiaries (after tax) $ 6,915 $ (40,398 ) $ — $ 33,483 $ — Consolidated net income (loss) $ 1,693 $ 6,915 $ (40,398 ) $ 33,483 $ 1,693 Condensed Consolidated Statement of Operations for the six months ended July 31, 2016 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 650,541 $ — $ — $ 650,541 Finance charges and other revenues — 63,234 73,495 — 136,729 Servicing fee revenue — 30,311 — (30,311 ) — Total revenues — 744,086 73,495 (30,311 ) 787,270 Costs and expenses: Cost of goods sold — 413,335 — — 413,335 Selling, general and administrative expenses — 233,093 30,311 (30,311 ) 233,093 Provision for bad debts — 56,412 62,002 — 118,414 Charges and credits — 3,421 — — 3,421 Total costs and expenses — 706,261 92,313 (30,311 ) 768,263 Operating income — 37,825 (18,818 ) — 19,007 Interest expense 8,843 6,620 34,571 — 50,034 Income (loss) before income taxes (8,843 ) 31,205 (53,389 ) — (31,027 ) Provision (benefit) for income taxes (2,666 ) 9,408 (16,096 ) — (9,354 ) Net income (loss) before consolidation $ (6,177 ) $ 21,797 $ (37,293 ) $ — $ (21,673 ) Income (loss) from consolidated subsidiaries (after tax) $ (15,496 ) $ (37,293 ) $ — $ 52,789 $ — Consolidated net income (loss) $ (21,673 ) $ (15,496 ) $ (37,293 ) $ 52,789 $ (21,673 ) Condensed Consolidated Statement of Cash Flows for the six months ended July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (1,905 ) $ (388,785 ) $ 481,231 $ — $ 90,541 Cash flows from investing activities: Purchase of customer accounts receivables — — (466,056 ) 466,056 — Sale of customer accounts receivables — 466,056 — (466,056 ) — Purchase of property and equipment — (6,135 ) — — (6,135 ) Proceeds from sales of property — — — — — Net cash provided by (used in) investing activities — 459,921 (466,056 ) — (6,135 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 469,814 — 469,814 Payments on asset-backed notes — (78,779 ) (504,520 ) — (583,299 ) Changes in restricted cash balances — — 24,262 — 24,262 Borrowings from revolving credit facility — 844,941 — — 844,941 Payments on revolving credit facility — (822,441 ) — — (822,441 ) Payment of debt issuance costs and amendment fees — (2,864 ) (4,731 ) — (7,595 ) Proceeds from stock issued under employee benefit plans 1,905 — — — 1,905 Other — (541 ) — — (541 ) Net cash provided by (used in) financing activities 1,905 (59,684 ) (15,175 ) — (72,954 ) Net change in cash and cash equivalents — 11,452 — — 11,452 Cash and cash equivalents, beginning of period — 23,566 — — 23,566 Cash and cash equivalents, end of period $ — $ 35,018 $ — $ — $ 35,018 Condensed Consolidated Statement of Cash Flows for the six months ended July 31, 2016 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (29,362 ) $ (383,337 ) $ 544,638 $ — $ 131,939 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 — (32,020 ) — — (32,020 ) Proceeds from sales of property — 686 — — 686 Net change in intercompany 28,743 (28,743 ) — Net cash provided by (used in) investing activities 28,743 446,746 (478,080 ) (28,743 ) (31,334 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 493,540 — 493,540 Payments on asset-backed notes — — (537,819 ) — (537,819 ) Changes in restricted cash balances — — (17,406 ) — (17,406 ) Borrowings from revolving credit facility — 405,378 — — 405,378 Payments on revolving credit facility — (435,085 ) — — (435,085 ) Payment of debt issuance costs and amendment fees — (1,216 ) (4,873 ) — (6,089 ) Proceeds from stock issued under employee benefit plans 618 — — — 618 Net change in intercompany — (28,743 ) 28,743 — Other 1 (462 ) — — (461 ) Net cash provided by (used in) financing activities 619 (60,128 ) (66,558 ) 28,743 (97,324 ) Net change in cash and cash equivalents — 3,281 — — 3,281 Cash and cash equivalents, beginning of period — 12,254 — — 12,254 Cash and cash equivalents, end of period $ — $ 15,535 $ — $ — $ 15,535

Subsequent Events

Subsequent Events	6 Months Ended
	Jul. 31, 2017
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Initial Financing under Warehouse Financing Transaction. On August 15, 2017, affiliates of the Company closed on the initial financing in the amount of $79.9 million (the "Initial Financing") under that certain receivables warehouse financing transaction entered into on August 8, 2017. The net proceeds of the Initial Financing were used to prepay in full the Class B Notes and Class C Notes, which had been issued by Conn’s Receivables Funding 2016-A, LLC under a securitization transaction entered into on March 17, 2016, that were still outstanding as of August 15, 2017. Early Redemption of 2016-A Class B Notes and Class C Notes. On August 15, 2017, the Company completed the redemption of its Series 2016-A Class B Notes and Class C Notes (collectively, the "2016-A Redeemed Notes") at an aggregate redemption price of $102.9 million (which was equal to the entire outstanding principal of, plus accrued interest and the call premium on, the 2016-A Redeemed Notes). The net funds used to call the notes was $78.6 million , which is equal to the redemption price less adjustments of $24.3 million for funds held in reserve and collection accounts in accordance with the terms of the applicable indenture governing the 2016-A Redeemed Notes. The difference between the net proceeds of the Initial Financing and the carrying value of the 2016-A Redeemed Notes at redemption was not material. Hurricane Harvey. On August 25, 2017, Hurricane Harvey made landfall near Port Aransas, Texas as a Category 4 hurricane. As a result of the hurricane and unprecedented levels of rain and flooding, the Company closed 23 of its 116 retail stores, its distribution and service centers in Beaumont and Houston, and its Beaumont corporate office. The Company has since reopened all retail stores, its affected distribution and service centers, and its Beaumont corporate office. In total, the Company lost approximately 100 selling days as a result of the storm. The Company is still in the process of assessing the extent of the impact from this natural disaster, including the potential impact on our collection efforts and receivables portfolio.

Summary of Significant Accoun17

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jul. 31, 2017
Accounting Policies [Abstract]
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents . Cash and cash equivalents include cash, credit card deposits in-transit, and highly liquid debt instruments purchased with a maturity of three months or less. Cash and cash equivalents include credit card deposits in-transit of $3.2 million and $2.4 million , as of July 31, 2017 and January 31, 2017 , respectively. Restricted Cash. The restricted cash balance as of July 31, 2017 and January 31, 2017 includes $58.7 million and $75.2 million , respectively, of cash we collected as servicer on the securitized receivables that was subsequently remitted to the VIEs and $27.7 million and $35.5 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 both those transferred to the VIEs and those not transferred to the VIEs. Customer accounts receivable are recognized at the time the customer takes possession of the product. 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 accounts receivable include the net of unamortized deferred fees charged to customers and origination costs. 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 along with interest accrued subsequent to the last payment. 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 involves 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 and extend the term. 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 six months ended July 31, 2017 and 2016 we utilized the estimated annual effective tax rate based on our estimated fiscal year 2018 and 2017 pre-tax income, respectively, in determining income tax expense.
Basis of Presentation and Significant Accounting Policies [Text Block]	Business . Conn's, Inc., a Delaware corporation, is a holding company with no independent assets or operations other than its investments in its subsidiaries. References to “we,” “our,” “us,” “the Company,” “Conn’s” or “CONN” refer to Conn’s Inc. and, as apparent from the context, its subsidiaries. Conn's is a leading specialty retailer that offers a broad selection of quality, branded durable consumer goods and related services in addition to proprietary credit solutions 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 credit alternatives. 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 to 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 ("GAAP") and prevailing industry practice 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, 2017 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, 2017, filed with the United States Securities and Exchange Commission (the “SEC”) on April 4, 2017.
Variable Interest Entity	Variable Interest Entities. Variable interest entities ("VIEs") are consolidated if the Company is the primary beneficiary. The primary beneficiary of a VIE is the party that has (i) the power to direct the activities that most significantly impact the performance of the VIE and (ii) the obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. We securitize customer accounts receivables by transferring the receivables to various bankruptcy-remote VIEs. We retain the servicing of the securitized portfolio and have a variable interest in each corresponding VIE by holding the residual equity. We have determined that we are the primary beneficiary of each respective VIE because (i) our servicing responsibilities for the securitized portfolio give us the power to direct the activities that most significantly impact the performance of the VIE and (ii) our variable interest in the VIE gives us the obligation to absorb losses and the right to receive residual returns that potentially could be significant. As a result, we consolidate the respective VIEs within our consolidated financial statements. Refer to Note 6, Debt and Capital Lease Obligations , and Note 8, Variable Interest Entities , for additional information.
Principles of Consolidation	Principles of Consolidation . The consolidated financial statements include the accounts of Conn's, Inc. and its wholly-owned subsidiaries. All material 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 accordance with GAAP requires management to make informed judgments and estimates that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosure of contingent assets and liabilities. Changes in facts and circumstances or additional information may result in revised estimates, and actual results may differ, even significantly, from these estimates. Management evaluates its estimates and related assumptions regularly, including those related to the allowance for doubtful accounts, allowances for no-interest option credit programs and deferred interest, which 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 (loss) by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes the dilutive effects of any stock options and restricted stock units granted, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding for the earnings per share calculations: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Weighted-average common shares outstanding - Basic 31,094 30,731 31,034 30,696 Dilutive effect of stock options and restricted stock units 341 — 258 — Weighted-average common shares outstanding - Diluted 31,435 30,731 31,292 30,696 For the three months ended July 31, 2017 and 2016 the weighted-average number of stock options and restricted stock units not included in the calculation due to their anti-dilutive effect was 0.4 million and 1.3 million , respectively. For the six months ended July 31, 2017 and 2016 , the weighted-average number of stock options and restricted stock units not included in the calculation due to their anti-dilutive effect was 0.5 million and 1.0 million , respectively.
Receivables, Trade and Other Accounts Receivable, Allowance for Doubtful Accounts, Policy [Policy Text Block]	Allowance for doubtful accounts. The determination of the amount of the allowance for bad debts is, by nature, highly complex and subjective. Future events that are inherently uncertain could result in material changes to the level of the allowance for bad debts. General economic conditions, changes to state or federal regulations and a variety of other factors that affect the ability of borrowers’ to service their debts or our ability to collect will impact the future performance of the portfolio. 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 on our non-TDR customer accounts receivable that we expect to charge-off over the next 12 months based on historical gross charge-off rates over the last 24 months. During the three months ended July 31, 2017, we began to incorporate an adjustment to historical gross charge-off rates for a scaled factor of the year-over-year change in six month average first payment default rates and the year-over-year change in the balance of customer accounts receivable that are 60 days or more past due. In addition to adjusted historical gross charge-off rates, estimates of post-charge-off recoveries, including cash payments from customers, amounts realized from the repossession of the products financed, sales tax recoveries from taxing jurisdictions, and payments received under credit insurance policies are also considered. Qualitative adjustments are made to the allowance for bad debts when, based on management’s judgment, there are internal or external factors impacting probable incurred losses not taken into account by the quantitative calculations. These qualitative considerations are based on the following factors: changes in lending policies and procedures, changes in economic and business conditions, changes in the nature and volume of the portfolio, changes in lending management, changes in credit quality statistics, changes in the quality of the loan review system, changes in the value of underlying collateral, changes in concentrations of credit, and other internal or external factor changes. We utilize an economic qualitative adjustment based on changes in unemployment rates if current unemployment rates in our markets are worse than they were on average over the last 24 months. We also qualitatively limit the impact of changes in first payment default rates and changes in delinquency when those changes result in a decrease to the allowance for bad debts based on a measure of the dispersion of historical charge-off rates. The impact of the changes in first payment default rates and changes in delinquency balance adjustments implemented during the second quarter, net of qualitative adjustments, was a reduction to the allowance for doubtful accounts of $4.4 million . 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 based primarily on the performance of TDR loans over the last 24 months. The cash flows are discounted based on the weighted-average effective interest rate of the TDR 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, which includes interest income and amortization of deferred fees and origination costs, is recorded using the interest method and is reflected in finance charges and other revenues. Typically, interest income is recorded until the customer account is paid off or charged-off, and we provide an allowance for estimated uncollectible interest. Any contractual interest income received from customers in excess of the interest income calculated using the interest method is recorded as deferred revenue on our balance sheets. Our calculation of interest income for customers with similar financing arrangements for which the timing and amount of prepayments can be reasonably estimated includes an estimate of the benefit from future prepayments based on our historical experience. At July 31, 2017 and January 31, 2017 , there was $13.5 million and $13.7 million , respectively, of deferred interest included in deferred revenues and other credits and other long-term liabilities. The deferred interest will ultimately be brought into income as the accounts pay off or charge-off. We offer 12 -and 18 -month no -interest option 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 option 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 estimated accrued interest earned to date on all no -interest option finance programs with an offsetting reserve for those customers expected to satisfy the requirements of the program based on our historical experience. No -interest option finance programs with terms greater than 12 months are 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. 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 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 July 31, 2017 and January 31, 2017 , customer receivables carried in non-accrual status were $49.2 million and $22.9 million , respectively. At July 31, 2017 and January 31, 2017 , customer receivables that were past due 90 days or more and still accruing interest totaled $84.9 million and $124.0 million , respectively. The shift in the customer receivables balance from 90 days or more and still accruing interest to customer receivables in non-accrual status is primarily due to the increased use of third-party collection agencies to support our internal collection efforts. At July 31, 2017 and January 31, 2017, customer receivables in a bankruptcy status that are less than 60 days past due of $15.2 million and $19.5 million , respectively, are included within the customer receivables carried in non-accrual status balance.
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 – Inputs represent unadjusted quoted prices in active markets for identical assets or liabilities • Level 2 – Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly (for example, quoted market prices for similar assets or liabilities in active markets or quoted market prices for identical assets or liabilities in markets not considered to be active, inputs other than quoted prices that are observable for the asset or liability, or market-corroborated inputs). • Level 3 – Inputs that are not observable from objective sources such as our internally developed assumptions used in pricing an asset or liability (for example, an estimate of future cash flows used in our internally developed present value of future cash flows model that underlies the fair-value measurement). In determining fair value, we use observable market data when available, or models that incorporate observable market data. When we are required to measure fair value and there is not a market-observable price for the asset or liability or for a similar asset or liability, we use the cost or income approach depending on the quality of information available to support management’s assumptions. The cost approach is based on management’s best estimate of the current asset replacement cost. The income approach is based on management’s best assumptions regarding expectations of future net cash flows and discounts the expected cash flows using a commensurate risk-adjusted discount rate. Such evaluations involve significant judgment, and the results are based on expected future events or conditions such as sales prices, economic and regulatory climates, and other factors, most of which are often outside of management’s control. However, we believe assumptions used reflect a market participant’s view of long-term prices, costs, and other factors and are consistent with assumptions used in our business plans and investment decisions. In arriving at fair-value estimates, we use relevant observable inputs available for the valuation technique employed. If a fair-value measurement reflects inputs at multiple levels within the hierarchy, the fair-value measurement is characterized based on the lowest level of input that is significant to the fair-value measurement. The fair value of cash and cash equivalents, restricted cash held by the consolidated VIEs 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, which includes the allowance for doubtful accounts. The fair value of our revolving credit facility approximates carrying value based on the current borrowing rate for similar types of borrowing arrangements. At July 31, 2017 , the fair value of the Senior Notes outstanding, which was determined using Level 1 inputs, was $221.4 million as compared to the carrying value of $227.0 million , excluding the impact of the related discount. At July 31, 2017 , the fair value of the asset-backed notes approximates their carrying value and was determined using Level 2 inputs based on inactive trading activity.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements Adopted. In March 2016, the FASB issued ASU 2016-09, Compensation—Stock Compensation (Topic 718): 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 are classified as operating activities as opposed to financing. The standard became effective for us in the first quarter of fiscal year 2018. The amendment requiring the recognition of excess tax benefits and deficiencies as income tax benefit or expense in the income statement as opposed to being recognized as additional paid-in-capital was applied prospectively; the impact was not material. The Company retrospectively adopted the amendments requiring the classification of excess tax benefits and deficiencies with other income tax cash flows as operating activities and cash paid when directly withholding shares as financing activities in the accompanying consolidated statements of cash flows; the impact was not material. The Company has elected to continue its current practice of estimating the number of awards expected to vest in determining the amount of compensation cost to be recognized related to share based payment transactions. In July 2015, the FASB issued ASU 2015-11, Inventory (Topic 330): Simplifying the Measurement of Inventory. ASU 2015-11 requires that inventory that has historically been measured using first-in, first-out or average cost method be measured at the lower of cost and net realizable value. The update requires prospective application and became effective for us in the first quarter of fiscal year 2018. The adoption of this ASU did not have a material impact on our consolidated financial statements. Recent Accounting Pronouncements Yet To Be Adopted. In May 2014, the FASB issued 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 such 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. The FASB has also issued ASU 2016-08, Revenue from Contracts with Customers: Principal versus Agent Considerations (Reporting Revenue Gross versus Net); ASU 2016-10, Revenue from Contracts with Customers: Identifying Performance Obligations and Licensing ; ASU 2016-11, Rescission of SEC Guidance Because of Accounting Standards Updates 2014-09 and 2014-16 Pursuant to Staff Announcements at the March 3, 2016 EITF Meeting ; and ASU 2016-12, Revenue from Contracts with Customers: Narrow-Scope Improvements and Practical Expedients, all of which were issued to improve and clarify the guidance in ASU 2014-09. These ASUs are 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 currently anticipate adopting the standard using the cumulative catch-up transition method. Based on our preliminary assessment, we do not expect the adoption of these ASUs to have a material impact on our consolidated financial statements other than the expected additional disclosure requirements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842), 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 final standard will become effective for us beginning in the first quarter of fiscal year 2020. We are currently assessing the impact this ASU will have on our financial statements. We are the lessee under various lease agreements for our retail stores and equipment that are currently accounted for as operating leases as discussed in Note 6, Leases, of our audited Consolidated Financial Statements included in our Annual Report on Form 10-K for the fiscal year ended January 31, 2017 . In June 2016, the FASB issued ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . ASU 2016-13 requires that financial assets measured at amortized cost should be presented at the net amount expected to be collected through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The standard will become effective for us in the first quarter of fiscal year 2021 and earlier adoption is permitted beginning in the first quarter of fiscal year 2020. We are currently assessing the impact this ASU will have on our financial statements. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) . ASU 2016-15 clarifies guidance on the classification of certain cash receipts and payments in the statement of cash flows to reduce diversity in practice. Among other things, the presentation of debt prepayment or debt extinguishment costs as cash outflows for financing activities on the statement of cash flow. The standard will become effective for us in the first quarter of fiscal year 2019 and early adoption is permitted. The adoption of this ASU is not expected to have a significant impact on our consolidated financial statements. In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other than Inventory , which eliminates the exception that prohibits the recognition of current and deferred income tax effects for intra-entity transfers of assets other than inventory until the asset has been sold to an outside party. We will be required to adopt the amendments in this ASU in the annual and interim periods for our fiscal year ending January 31, 2019, with early adoption permitted. The application of the amendments will require the use of a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. We are evaluating the standard and the impact it will have on our consolidated financial statements. In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force) . ASU 2016-18 requires that the statement of cash flows provides the change in the total of cash, cash equivalents, and restricted cash or restricted cash equivalents. This will result in us no longer showing the changes in restricted cash balances as a component of cash flows from financing activities but instead include the balances of both current and long-term restricted cash with cash and cash equivalents in total cash, cash equivalents and restricted cash for the beginning and end of the periods presented. The ASU will become effective for us in the first quarter of fiscal year 2019, and early adoption is permitted. We are currently assessing when we expect to adopt the ASU.
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	Stock-based compensation. During the three months ended July 31, 2017, the Company granted 72,012 performance stock awards ("PSUs") and 318,806 restricted stock awards (“RSUs") with an aggregate grant date fair value of $6.8 million . During the six months ended July 31, 2017, the Company granted 501,012 PSUs and 643,293 RSUs with an aggregate grant date fair value of $14.5 million . During the three months ended July 31, 2016, the Company granted 131,759 PSUs and 319,454 RSUs with an aggregate grant date fair value of $4.8 million . During the six months ended July 31, 2016, the Company granted 131,759 PSUs and 328,827 RSUs with an aggregate grant date fair value of $4.9 million . The majority of the PSUs issued during the six months ended July 31, 2017 will vest, if at all, upon the certification, after the Company’s fiscal year 2020, by the compensation committee of the satisfaction of the annual and cumulative Earnings Before Interest, Taxes, Depreciation and Amortization performance conditions over the three fiscal years commencing with the Company’s fiscal year 2018. The majority of the RSUs issued during the six months ended July 31, 2017 will vest, if at all, over periods of three to five years from the date of grant.

Summary of Significant Accoun18

Summary of Significant Accounting Policies (Tables)	6 Months Ended
	Jul. 31, 2017
Accounting Policies [Abstract]
Shares outstanding for the earnings per share calculations	Earnings per Share . Basic earnings per share is calculated by dividing net income (loss) by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes the dilutive effects of any stock options and restricted stock units granted, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding for the earnings per share calculations: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Weighted-average common shares outstanding - Basic 31,094 30,731 31,034 30,696 Dilutive effect of stock options and restricted stock units 341 — 258 — Weighted-average common shares outstanding - Diluted 31,435 30,731 31,292 30,696

Customer Accounts Receivable (T

Customer Accounts Receivable (Tables)	6 Months Ended
	Jul. 31, 2017
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: Six Months Ended July 31, 2017 Six Months Ended July 31, 2016 (in thousands) Customer Accounts Receivable Restructured Accounts Total Customer Accounts Receivable Restructured Accounts Total Allowance at beginning of period $ 158,992 $ 51,183 $ 210,175 $ 149,226 $ 41,764 $ 190,990 Provision (1) 92,285 33,208 125,493 108,333 29,768 138,101 Principal charge-offs (2) (92,251 ) (26,159 ) (118,410 ) (91,261 ) (20,969 ) (112,230 ) Interest charge-offs (14,911 ) (4,228 ) (19,139 ) (15,384 ) (3,544 ) (18,928 ) Recoveries (2) 3,534 1,002 4,536 2,636 607 3,243 Allowance at end of period $ 147,649 $ 55,006 $ 202,655 $ 153,550 $ 47,626 $ 201,176 Average total customer portfolio balance $ 1,356,569 $ 139,106 $ 1,495,675 $ 1,428,396 $ 123,451 $ 1,551,847 (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) July 31, January 31, July 31, January 31, July 31, January 31, Customer accounts receivable $ 1,337,121 $ 1,417,581 $ 111,963 $ 127,747 $ 94,470 $ 111,585 Restructured accounts 142,411 138,858 41,820 38,010 142,411 138,858 Total customer portfolio balance 1,479,532 1,556,439 $ 153,783 $ 165,757 $ 236,881 $ 250,443 Allowance for uncollectible accounts (202,655 ) (210,175 ) Allowances for no-interest option credit programs (18,587 ) (21,207 ) Deferred fees and origination costs, net (12,152 ) (6,991 ) Total customer accounts receivable, net 1,246,138 1,318,066 Short-term portion of customer accounts receivable, net (644,148 ) (702,162 ) Long-term portion of customer accounts receivable, net $ 601,990 $ 615,904 Securitized receivables held by the VIEs $ 910,385 $ 1,015,837 $ 120,385 $ 156,344 $ 231,320 $ 238,375 Receivables not held by the VIEs 569,147 540,602 33,398 9,413 5,561 12,068 Total customer portfolio balance $ 1,479,532 $ 1,556,439 $ 153,783 $ 165,757 $ 236,881 $ 250,443 (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 July 31, 2017 and January 31, 2017 , the amounts included within both past due and re-aged were $70.8 million and $66.7 million , respectively. As of July 31, 2017 and January 31, 2017 , the total customer portfolio balance past due one day or greater was $391.5 million and $406.1 million , respectively. These amounts include the 60 days past due balances shown.

Accrual for Store Closures (Tab

Accrual for Store Closures (Tables)	6 Months Ended
	Jul. 31, 2017
Restructuring and Related Activities [Abstract]
Activity in accrual for store closures	Six Months Ended (in thousands) 2017 2016 Balance at beginning of period $ 3,641 $ 1,866 Accrual for additional closures 1,227 — Adjustments 38 23 Cash payments, net of sublease income (1,739 ) (339 ) Balance at end of period 3,167 1,550 Current portion, included in accrued expenses (986 ) (643 ) Long-term portion, included in other long-term liabilities $ 2,181 $ 907 Charges and credits consisted of the following: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Facility closure costs $ 122 $ — $ 1,349 $ — Impairments from disposals — 1,385 — 1,385 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 34 135 34 589 Employee severance 1,317 1,213 1,317 1,213 Indirect tax audit reserve 2,595 — 2,595 — Executive management transition costs — 162 — 234 $ 4,068 $ 2,895 $ 5,295 $ 3,421

Charges and Credits (Tables)

Charges and Credits (Tables)	6 Months Ended
	Jul. 31, 2017
Charges and Credits [Abstract]
Schedule of Charges and Credits [Table Text Block]	Six Months Ended (in thousands) 2017 2016 Balance at beginning of period $ 3,641 $ 1,866 Accrual for additional closures 1,227 — Adjustments 38 23 Cash payments, net of sublease income (1,739 ) (339 ) Balance at end of period 3,167 1,550 Current portion, included in accrued expenses (986 ) (643 ) Long-term portion, included in other long-term liabilities $ 2,181 $ 907 Charges and credits consisted of the following: Three Months Ended Six Months Ended (in thousands) 2017 2016 2017 2016 Facility closure costs $ 122 $ — $ 1,349 $ — Impairments from disposals — 1,385 — 1,385 Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation 34 135 34 589 Employee severance 1,317 1,213 1,317 1,213 Indirect tax audit reserve 2,595 — 2,595 — Executive management transition costs — 162 — 234 $ 4,068 $ 2,895 $ 5,295 $ 3,421

Finance Charges and Other Rev22

Finance Charges and Other Revenue (Tables)	6 Months Ended
	Jul. 31, 2017
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 Six Months Ended (in thousands) 2017 2016 2017 2016 Interest income and fees $ 69,490 $ 54,502 $ 136,621 $ 115,123 Insurance commissions 10,652 11,219 19,982 20,675 Other revenues 92 437 172 931 $ 80,234 $ 66,158 $ 156,775 $ 136,729

Debt and Capital Lease Obliga23

Debt and Capital Lease Obligations (Tables)	6 Months Ended
	Jul. 31, 2017
Debt Disclosure [Abstract]
Long-term Debt	Debt and capital lease obligations consisted of the following: (in thousands) July 31, January 31, Revolving credit facility $ 200,000 $ 177,500 Senior Notes 227,000 227,000 2015 VIE Asset-backed Class A notes — 12,166 2015 VIE Asset-backed Class B notes — 165,900 2016-A VIE Asset-backed Class A notes — 64,732 2016-A VIE Asset-backed Class B notes 30,618 70,510 2016-A VIE Asset-backed Class C notes 70,510 70,510 2016-B VIE Asset-backed Class A notes 66,292 256,513 2016-B VIE Asset-backed Class B notes 111,960 111,960 2017-A VIE Asset-backed Class A notes 202,832 — 2017-A VIE Asset-backed Class B notes 106,270 — 2017-A VIE Asset-backed Class C notes 50,340 — Capital lease obligations 5,439 2,393 Total debt and capital lease obligations 1,071,261 1,159,184 Less: Discount on debt (2,808 ) (3,089 ) Deferred debt issuance costs (6,827 ) (10,853 ) Current maturities of capital lease obligations (906 ) (849 ) Long-term debt and capital lease obligations $ 1,060,720 $ 1,144,393
Schedule of Asset-backed Notes	The asset-backed notes consist of the following: Asset-Backed Notes Principal Amount Net Proceeds (1) Issuance Date Maturity Date Fixed Interest Rate Effective Interest Rate (2) 2016-A Class B Notes 70,510 68,309 3/17/2016 8/15/2018 8.96% 9.88% 2016-A Class C Notes 70,510 71,648 10/12/2016 4/15/2020 12.00% 10.96% 2016-B Class A Notes 391,840 380,033 10/6/2016 10/15/2018 3.73% 5.56% 2016-B Class B Notes 111,960 108,586 10/6/2016 3/15/2019 7.34% 8.09% 2017-A Class A Notes 313,220 304,451 4/19/2017 7/15/2019 2.73% 4.97% 2017-A Class B Notes 106,270 103,300 4/19/2017 2/15/2020 5.11% 5.80% 2017-A Class C Notes 50,340 48,919 4/19/2017 10/15/2021 7.40% 7.83% Total $ 1,114,650 $ 1,085,246 (1) After giving effect to debt issuance costs and restricted cash held by the VIEs. (2) For the six months ended July 31, 2017, and inclusive of retrospective adjustments to deferred debt issuance costs based on changes in timing of actual and expected cash flows.
Covenant Compliance	A summary of the significant financial covenants that govern our revolving credit facility, as amended, compared to our actual compliance status at July 31, 2017 is presented below: Actual Required Minimum/ Maximum Interest Coverage Ratio must equal or exceed minimum 1.83:1.00 0.80:1.00 Leverage Ratio must not exceed maximum 2.42:1.00 4.00:1.00 ABS Excluded Leverage Ratio must not exceed maximum 1.33:1.00 2.00:1.00 Cash Recovery Percent must exceed stated amount 5.01% 4.45% Capital Expenditures, net, must not exceed maximum $3.1 million $75.0 million

Variable Interest Entity (Table

Variable Interest Entity (Tables)	6 Months Ended
	Jul. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of assets and liabilities held by the VIE	(in thousands) July 31, January 31, Assets: Restricted cash $ 86,436 $ 110,698 Due from Conn's, Inc., net 8,526 7,368 Customer accounts receivable: Customer accounts receivable 812,279 884,367 Restructured accounts 98,106 131,470 Allowance for uncollectible accounts (130,103 ) (150,435 ) Allowances for no-interest option credit programs (13,425 ) (15,912 ) Deferred fees and origination costs (4,360 ) — Total customer accounts receivable, net 762,497 849,490 Total assets $ 857,459 $ 967,556 Liabilities: Accrued expenses $ 5,660 $ 6,525 Other liabilities 10,301 6,691 Long-term debt: 2015 Class A Notes — 12,166 2015 Class B Notes — 165,900 2016-A Class A Notes — 64,732 2016-A Class B Notes 30,618 70,510 2016-A Class C Notes 70,510 70,510 2016-B Class A Notes 66,292 256,513 2016-B Class B Notes 111,960 111,960 2017-A Class A notes 202,832 — 2017-A Class B notes 106,270 — 2017-A Class C notes 50,340 — 638,822 752,291 Less: deferred debt issuance costs (3,061 ) (6,710 ) Total long-term debt 635,761 745,581 Total liabilities $ 651,722 $ 758,797

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
	Jul. 31, 2017
Segment Reporting [Abstract]
Financial information by segment	Six Months Ended July 31, 2017 Six Months Ended July 31, 2016 (in thousands) Retail Credit Total Retail Credit Total Revenues: Furniture and mattress $ 189,740 $ — $ 189,740 $ 210,868 $ — $ 210,868 Home appliance 169,207 — 169,207 189,263 — 189,263 Consumer electronic 108,699 — 108,699 131,600 — 131,600 Home office 34,650 — 34,650 44,174 — 44,174 Other 8,659 — 8,659 10,308 — 10,308 Product sales 510,955 — 510,955 586,213 — 586,213 Repair service agreement commissions 48,215 — 48,215 56,495 — 56,495 Service revenues 6,528 — 6,528 7,833 — 7,833 Total net sales 565,698 — 565,698 650,541 — 650,541 Finance charges and other revenues 172 156,603 156,775 931 135,798 136,729 Total revenues 565,870 156,603 722,473 651,472 135,798 787,270 Costs and expenses: Cost of goods sold 344,256 — 344,256 413,335 — 413,335 Selling, general and administrative expenses (1) 152,614 65,555 218,169 164,821 68,272 233,093 Provision for bad debts 395 104,984 105,379 525 117,889 118,414 Charges and credits 5,295 — 5,295 3,421 — 3,421 Total costs and expense 502,560 170,539 673,099 582,102 186,161 768,263 Operating income (loss) 63,310 (13,936 ) 49,374 69,370 (50,363 ) 19,007 Interest expense — 44,047 44,047 — 50,034 50,034 Loss on extinguishment of debt — 2,446 2,446 — — — Income (loss) before income taxes $ 63,310 $ (60,429 ) $ 2,881 $ 69,370 $ (100,397 ) $ (31,027 ) (1) For the three months ended July 31, 2017 and 2016 , the amount of corporate overhead allocated to each segment reflected in selling, general and administrative expense was $7.7 million and $6.5 million , respectively. For the three months ended July 31, 2017 and 2016 , the amount of reimbursement made to the retail segment by the credit segment was $9.2 million and $9.6 million , respectively. For the six months ended July 31, 2017 and 2016 , the amount of corporate overhead allocated to each segment reflected in selling, general and administrative expense was $14.2 million and $12.2 million , respectively. For the six months ended July 31, 2017 and 2016 , the amount of reimbursement made to the retail segment by the credit segment was $18.7 million and $19.4 million , respectively.

Guarantor Financial Informati26

Guarantor Financial Information (Tables)	6 Months Ended
	Jul. 31, 2017
Guarantor Financial Information [Abstract]
Condensed Balance Sheet [Table Text Block]	Condensed Consolidated Balance Sheet as of July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 35,018 $ — $ — $ 35,018 Restricted cash — — 86,436 — 86,436 Customer accounts receivable, net of allowance — 213,293 430,855 — 644,148 Other accounts receivable — 59,401 — — 59,401 Inventories — 196,768 — — 196,768 Other current assets — 19,711 8,526 (12,354 ) 15,883 Total current assets — 524,191 525,817 (12,354 ) 1,037,654 Investment in and advances to subsidiaries 673,953 205,738 — (879,691 ) — Long-term portion of customer accounts receivable, net of allowance — 270,348 331,642 — 601,990 Property and equipment, net — 154,788 — — 154,788 Deferred income taxes 72,435 — — — 72,435 Other assets — 8,196 — — 8,196 Total assets $ 746,388 $ 1,163,261 $ 857,459 $ (892,045 ) $ 1,875,063 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 906 $ — $ — $ 906 Accounts payable — 100,268 — — 100,268 Accrued expenses 685 54,162 5,660 (3,828 ) 56,679 Other current liabilities — 25,335 4,146 (8,526 ) 20,955 Total current liabilities 685 180,671 9,806 (12,354 ) 178,808 Deferred rent — 85,538 — — 85,538 Long-term debt and capital lease obligations 220,426 204,534 635,760 — 1,060,720 Other long-term liabilities — 18,565 6,155 — 24,720 Total liabilities 221,111 489,308 651,721 (12,354 ) 1,349,786 Total stockholders' equity 525,277 673,953 205,738 (879,691 ) 525,277 Total liabilities and stockholders' equity $ 746,388 $ 1,163,261 $ 857,459 $ (892,045 ) $ 1,875,063 Condensed Consolidated Balance Sheet as of January 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Assets Current assets: Cash and cash equivalents $ — $ 23,566 $ — $ — $ 23,566 Restricted cash — — 110,698 — 110,698 Customer accounts receivable, net of allowance — 173,054 529,108 — 702,162 Other accounts receivable — 69,286 — — 69,286 Inventories — 164,856 — — 164,856 Other current assets — 21,505 7,368 (11,768 ) 17,105 Total current assets — 452,267 647,174 (11,768 ) 1,087,673 Investment in and advances to subsidiaries 678,149 220,107 — (898,256 ) — Long-term portion of customer accounts receivable, net of allowance — 295,522 320,382 — 615,904 Property and equipment, net — 159,202 — — 159,202 Deferred income taxes 71,442 — — — 71,442 Other assets — 6,913 — — 6,913 Total assets $ 749,591 $ 1,134,011 $ 967,556 $ (910,024 ) $ 1,941,134 Liabilities and Stockholders' Equity Current liabilities: Current maturities of capital lease obligations $ — $ 849 $ — $ — $ 849 Accounts payable — 101,612 — — 101,612 Accrued expenses 686 40,287 6,525 (4,399 ) 43,099 Other current liabilities — 25,230 3,961 (7,370 ) 21,821 Total current liabilities 686 167,978 10,486 (11,769 ) 167,381 Deferred rent — 87,957 — — 87,957 Long-term debt and capital lease obligations 219,768 179,044 745,581 — 1,144,393 Other long-term liabilities — 20,883 2,730 — 23,613 Total liabilities 220,454 455,862 758,797 (11,769 ) 1,423,344 Total stockholders' equity 529,137 678,149 208,759 (898,255 ) 517,790 Total liabilities and stockholders' equity $ 749,591 $ 1,134,011 $ 967,556 $ (910,024 ) $ 1,941,134
Condensed Income Statement [Table Text Block]	Condensed Consolidated Statement of Operations for the three months ended July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 286,413 $ — $ — $ 286,413 Finance charges and other revenues — 40,279 39,955 — 80,234 Servicing fee revenue — 12,648 — (12,648 ) — Total revenues — 339,340 39,955 (12,648 ) 366,647 Costs and expenses: Cost of goods sold — 172,306 — — 172,306 Selling, general and administrative expenses — 111,455 12,825 (12,648 ) 111,632 Provision for bad debts — 25,418 24,031 — 49,449 Charges and credits — 4,068 — — 4,068 Total costs and expenses — 313,247 36,856 (12,648 ) 337,455 Operating income — 26,093 3,099 — 29,192 Interest expense 4,443 743 14,853 — 20,039 Loss on extinguishment of debt — — 2,097 — 2,097 Income (loss) before income taxes (4,443 ) 25,350 (13,851 ) — 7,056 Provision (benefit) for income taxes (1,967 ) 12,124 (7,374 ) — 2,783 Net income (loss) before consolidation $ (2,476 ) $ 13,226 $ (6,477 ) $ — $ 4,273 Income (loss) from consolidated subsidiaries (after tax) $ 6,749 $ (6,477 ) $ — $ (272 ) $ — Consolidated net income (loss) $ 4,273 $ 6,749 $ (6,477 ) $ (272 ) $ 4,273 Condensed Consolidated Statement of Operations for the three months ended July 31, 2016 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Revenues: Total net sales $ — $ 331,999 $ — $ — $ 331,999 Finance charges and other revenues — 33,062 33,096 — 66,158 Servicing fee revenue — 13,176 — (13,176 ) — Total revenues — 378,237 33,096 (13,176 ) 398,157 Costs and expenses: Cost of goods sold — 208,869 — — 208,869 Selling, general and administrative expenses — 119,846 13,176 (13,176 ) 119,846 Provision for bad debts — 20,830 39,366 — 60,196 Charges and credits — 2,895 — — 2,895 Total costs and expenses — 352,440 52,542 (13,176 ) 391,806 Operating income — 25,797 (19,446 ) — 6,351 Interest expense 4,397 3,352 16,389 — 24,138 Income (loss) before income taxes (4,397 ) 22,445 (35,835 ) — (17,787 ) Provision (benefit) for income taxes (1,449 ) 7,398 (11,812 ) — (5,863 ) Net income (loss) before consolidation $ (2,948 ) $ 15,047 $ (24,023 ) $ — $ (11,924 ) Income (loss) from consolidated subsidiaries (after tax) $ (8,976 ) $ (24,023 ) $ — $ 32,999 $ — Consolidated net income (loss) $ (11,924 ) $ (8,976 ) $ (24,023 ) $ 32,999 $ (11,924 )
Condensed Cash Flow Statement [Table Text Block]	Condensed Consolidated Statement of Cash Flows for the six months ended July 31, 2017 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (1,905 ) $ (388,785 ) $ 481,231 $ — $ 90,541 Cash flows from investing activities: Purchase of customer accounts receivables — — (466,056 ) 466,056 — Sale of customer accounts receivables — 466,056 — (466,056 ) — Purchase of property and equipment — (6,135 ) — — (6,135 ) Proceeds from sales of property — — — — — Net cash provided by (used in) investing activities — 459,921 (466,056 ) — (6,135 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 469,814 — 469,814 Payments on asset-backed notes — (78,779 ) (504,520 ) — (583,299 ) Changes in restricted cash balances — — 24,262 — 24,262 Borrowings from revolving credit facility — 844,941 — — 844,941 Payments on revolving credit facility — (822,441 ) — — (822,441 ) Payment of debt issuance costs and amendment fees — (2,864 ) (4,731 ) — (7,595 ) Proceeds from stock issued under employee benefit plans 1,905 — — — 1,905 Other — (541 ) — — (541 ) Net cash provided by (used in) financing activities 1,905 (59,684 ) (15,175 ) — (72,954 ) Net change in cash and cash equivalents — 11,452 — — 11,452 Cash and cash equivalents, beginning of period — 23,566 — — 23,566 Cash and cash equivalents, end of period $ — $ 35,018 $ — $ — $ 35,018 Condensed Consolidated Statement of Cash Flows for the six months ended July 31, 2016 . (in thousands) Conn's, Inc. Guarantors Non-Guarantor Subsidiaries Eliminations Consolidated Net cash provided by (used in) operating activities $ (29,362 ) $ (383,337 ) $ 544,638 $ — $ 131,939 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 — (32,020 ) — — (32,020 ) Proceeds from sales of property — 686 — — 686 Net change in intercompany 28,743 (28,743 ) — Net cash provided by (used in) investing activities 28,743 446,746 (478,080 ) (28,743 ) (31,334 ) Cash flows from financing activities: Proceeds from issuance of asset-backed notes — — 493,540 — 493,540 Payments on asset-backed notes — — (537,819 ) — (537,819 ) Changes in restricted cash balances — — (17,406 ) — (17,406 ) Borrowings from revolving credit facility — 405,378 — — 405,378 Payments on revolving credit facility — (435,085 ) — — (435,085 ) Payment of debt issuance costs and amendment fees — (1,216 ) (4,873 ) — (6,089 ) Proceeds from stock issued under employee benefit plans 618 — — — 618 Net change in intercompany — (28,743 ) 28,743 — Other 1 (462 ) — — (461 ) Net cash provided by (used in) financing activities 619 (60,128 ) (66,558 ) 28,743 (97,324 ) Net change in cash and cash equivalents — 3,281 — — 3,281 Cash and cash equivalents, beginning of period — 12,254 — — 12,254 Cash and cash equivalents, end of period $ — $ 15,535 $ — $ — $ 15,535

Summary of Significant Accoun27

Summary of Significant Accounting Policies (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017USD ($)shares	Jul. 31, 2016USD ($)shares	Jul. 31, 2017USD ($)segmentshares	Jul. 31, 2016USD ($)shares	Jan. 31, 2017USD ($)
Schedule of Earnings Per Share [Line Items]
Loans and Leases Receivable, Deferred Income	$ 13,500		$ 13,500		$ 13,700
Number of Operating Segments | segment			2
Credit and Debit Card Receivables, at Carrying Value	3,200		$ 3,200		2,400
Restricted Cash and Cash Equivalents	86,436		86,436		110,698
Interest Income on Customer Accounts Receivable [Abstract]
Financing Receivable, Recorded Investment, Nonaccrual Status	49,200		49,200		22,900
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	84,900		84,900		124,000
Financing Receivable, Recorded Investment, Current	15,200		15,200		19,500
Reduction to allowance for doubtful accounts	4,400
Deferred debt issuance costs	6,827		6,827		10,853
Stock-based compensation expense	$ 3,600	$ 1,300	$ 5,200	$ 2,600
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	400,000	1,300,000	500,000	1,000,000
Shares outstanding for earnings (loss) per share calculations [Abstract]
Weighted average common shares outstanding - Basic (in shares) | shares	31,094,000	30,731,000	31,034,000	30,696,000
Common shares attributable to stock options and restricted stock units (in shares) | shares	341,000	0
Weighted average common shares outstanding - Diluted (in shares) | shares	31,435,000	30,731,000	31,292,000	30,696,000
Secured Debt [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Long-term Debt	$ 227,000		$ 227,000
Senior Notes [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Debt Instrument, Fair Value Disclosure	$ 221,400		$ 221,400
Restricted Stock Units (RSUs) [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Grants in period (in shares) | shares	318,806	319,454	643,293	328,827
Grant date fair value	$ 6,800	$ 4,800	$ 14,500	$ 4,900
Stock options and restricted stock [Member] | Minimum [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			3 years
Stock options and restricted stock [Member] | Maximum [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			5 years
Employee Stock Option [Member]
Shares outstanding for earnings (loss) per share calculations [Abstract]
Common shares attributable to stock options and restricted stock units (in shares) | shares			258,000	0
Officer [Member] | Performance Shares [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Grants in period (in shares) | shares	72,012	131,759	501,012	131,759
Officer [Member] | Performance Shares [Member] | Proposed Amendment to 2016 Omnibus Incentive Equity Plan [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			3 years
Revolving Credit Facility [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Deferred debt issuance costs	$ 6,700		$ 6,700		5,700
Securitized Receivables Servicer [Member]
Schedule of Earnings Per Share [Line Items]
Restricted Cash and Cash Equivalents	27,700		27,700		35,500
Collateral Held by VIE [Member]
Schedule of Earnings Per Share [Line Items]
Restricted Cash and Cash Equivalents	$ 58,700		$ 58,700		$ 75,200

Customer Accounts Receivable (D

Customer Accounts Receivable (Details) - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Apr. 30, 2017	Jan. 31, 2017	Jul. 31, 2016
Total Outstanding Balance
Customer Accounts Receivable			$ 1,479,532		$ 1,556,439
Financing Receivable Outstanding Balance 60 Days Past Due			153,783		165,757
Reaged			236,881		250,443
Allowance for uncollectible accounts related to the credit portfolio	$ (210,175)	$ (190,990)	(202,655)		(210,175)	$ (201,176)
Allowances for promotional credit programs			(18,587)		(21,207)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums			(12,152)		(6,991)
Total customer accounts receivable, net			1,246,138		1,318,066
Short-term portion of customer accounts receivable, net			(644,148)		(702,162)
Long-term customer accounts receivable, net			601,990		615,904
Amounts included within past due and reaged accounts			70,800		66,700
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(210,175)	(190,990)
Provision	125,493	138,101
Principal charge-offs	(118,410)	(112,230)
Interest charge-offs	(19,139)	(18,928)
Recoveries	4,536	3,243
Allowance at end of period	(202,655)	(201,176)
Average Total Customer Portfolio Balance			1,495,675			1,551,847
Financing Receivable, Recorded Investment, Past Due			391,500		406,100
Customer Accounts Receivable [Member]
Total Outstanding Balance
Customer Accounts Receivable			1,337,121		1,417,581
Financing Receivable Outstanding Balance 60 Days Past Due			111,963		127,747
Reaged			94,470		111,585
Allowance for uncollectible accounts related to the credit portfolio	(158,992)	(149,226)	(147,649)		(158,992)	(153,550)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(158,992)	(149,226)
Provision	92,285	108,333
Principal charge-offs	(92,251)	(91,261)
Interest charge-offs	(14,911)	(15,384)
Recoveries	3,534	2,636
Allowance at end of period	(147,649)	(153,550)
Average Total Customer Portfolio Balance			1,356,569			1,428,396
Restructured Accounts [Member]
Total Outstanding Balance
Customer Accounts Receivable			142,411		138,858
Financing Receivable Outstanding Balance 60 Days Past Due			41,820		38,010
Reaged			142,411		138,858
Allowance for uncollectible accounts related to the credit portfolio	(51,183)	(41,764)	(55,006)		(51,183)	(47,626)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(51,183)	(41,764)
Provision	33,208	29,768
Principal charge-offs	(26,159)	(20,969)
Interest charge-offs	(4,228)	(3,544)
Recoveries	1,002	607
Allowance at end of period	(55,006)	$ (47,626)
Average Total Customer Portfolio Balance			139,106			$ 123,451
Variable Interest Entity
Total Outstanding Balance
Customer Accounts Receivable			910,385		1,015,837
Financing Receivable Outstanding Balance 60 Days Past Due			120,385		156,344
Reaged			231,320		238,375
Allowance for uncollectible accounts related to the credit portfolio	(150,435)		(130,103)		(150,435)
Allowances for promotional credit programs			(13,425)		(15,912)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums			(4,360)		0
Total customer accounts receivable, net			762,497		849,490
Short-term portion of customer accounts receivable, net				$ (581,679)	(529,108)
Long-term customer accounts receivable, net				$ 474,474	320,382
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(150,435)
Allowance at end of period	$ (130,103)
Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]
Total Outstanding Balance
Customer Accounts Receivable			569,147		540,602
Financing Receivable Outstanding Balance 60 Days Past Due			33,398		9,413
Reaged			$ 5,561		$ 12,068

Accrual for Store Closures (Det

Accrual for Store Closures (Details) - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016
Detail of activity in the accrual for store closures [Abstract]
Balance at beginning of period	$ 3,641	$ 1,866
Accrual for closures	1,227	0
Change in estimate	38	23
Cash payments	(1,739)	(339)
Balance at end of period	3,167	1,550
Balance sheet presentation [Abstract]
Accrued expenses	(986)	(643)
Other long-term liabilities	$ 2,181	$ 907

Charges and Credits (Details)

Charges and Credits (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Jul. 31, 2016
Charges and Credits [Abstract]
Facility closure costs	$ 122	$ 0	$ 1,349	$ 0
Impairments from disposals	0	1,385	0	1,385
Legal and professional fees related to the exploration of strategic alternatives and securities-related litigation	34	135	34	589
Employee severance	1,317	1,213	1,317	1,213
Indirect tax audit reserve	2,595	0	2,595	0
Executive management transition costs	0	162	0	234
Other Nonrecurring (Income) Expense	$ 4,068	$ 2,895	$ 5,295	$ 3,421

Finance Charges and Other Rev31

Finance Charges and Other Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Jul. 31, 2016
Summary of the classification of the amounts as Finance charges and other [Abstract]
Interest and Fee Income, Loans, Consumer	$ 69,490	$ 54,502	$ 136,621	$ 115,123
Insurance Commissions and Fees	10,652	11,219	19,982	20,675
Other Revenue, Net	92	437	172	931
Finance charges and other	80,234	66,158	156,775	136,729
Provisions for uncollectible interest	10,500	10,200	20,500	20,200
Financing Receivable [Member]
Summary of the classification of the amounts as Finance charges and other [Abstract]
Interest and Fee Income, Loans, Consumer	$ 4,600	$ 4,200	$ 9,100	$ 8,300

Debt and Capital Lease Obliga32

Debt and Capital Lease Obligations - Schedule of Debt and Capital Lease Obligations (Details) - USD ($) $ in Thousands	Jul. 31, 2017	Mar. 31, 2017	Jan. 31, 2017
Long-term debt [Abstract]
Capital lease obligations	$ 5,439		$ 2,393
Total debt and capital lease obligations	1,071,261		1,159,184
Less:
Discount on debt	(2,808)		(3,089)
Deferred debt issuance costs	(6,827)		(10,853)
Current maturities of capital lease obligations	(906)		(849)
Long-term debt and capital lease obligations	1,060,720		1,144,393
Senior Notes [Member]
Long-term debt [Abstract]
Long-term Debt	227,000		227,000
2015-A Class A Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	0		12,166
2015-A Class B Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	0		165,900
Class A Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	0		64,732
Class B Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	30,618		70,510
2016-A Class C Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	70,510		70,510
2016-B Class A Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	66,292		256,513
2016-B Class B Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	111,960		111,960
2017-A Class A Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	202,832		0
2017-A Class B Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	106,270		0
2017-A Class C Notes [Member] | Secured Debt [Member]
Long-term debt [Abstract]
Long-term Debt	50,340		0
Revolving Credit Facility [Member]
Less:
Deferred debt issuance costs	(6,700)		(5,700)
Revolving Credit Facility [Member] | Line of Credit [Member]
Long-term debt [Abstract]
Long-term Debt	$ 200,000		$ 177,500
Less:
Deferred debt issuance costs		$ (2,800)

Debt and Capital Lease Obliga33

Debt and Capital Lease Obligations - Senior Notes (Details)	Jul. 31, 2017USD ($)exception	Jul. 01, 2014USD ($)
Debt Instrument [Line Items]
Amount of notes issued	$ 1,114,650,000
Senior Notes [Member] | Senior Unsecured Notes Due July 2022 [Member]
Debt Instrument [Line Items]
Amount of notes issued		$ 250,000,000
Interest rate on notes (in hundredths)		7.25%
Effective interest rate		7.80%
Number of exceptions for limitations | exception	2
Restricted payment basket amount	$ 375,000,000
Restrictions on payment of dividends, amount free from restriction	$ 177,700,000
Trigger amount under indenture		$ 25,000,000
Senior Notes [Member] | Senior Unsecured Notes Due July 2022 [Member] | Maximum [Member]
Debt Instrument [Line Items]
Debt Instrument, Leverage Ratio	2.50
Senior Notes [Member] | Senior Unsecured Notes Due July 2022 [Member] | Minimum [Member]
Debt Instrument [Line Items]
Debt Instrument, Leverage Ratio	1

Debt and Capital Lease Obliga34

Debt and Capital Lease Obligations - Asset Backed Notes (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jul. 31, 2017	Jan. 31, 2017	Jan. 31, 2016	May 15, 2017	Apr. 30, 2017
Debt Instrument [Line Items]
Monthly fee percentage on outstanding balance	4.75%
Amount of notes issued	$ 1,114,650
Proceeds from Securitizations of Consumer Loans	1,085,246
Debt issuance costs	6,827	$ 10,853
2016-A Class B Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	70,510
Proceeds from Securitizations of Consumer Loans	$ 68,309
Fixed annual rate	8.96%
Effective interest rate	9.88%
2016-A Class C Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 70,510
Proceeds from Securitizations of Consumer Loans	$ 71,648
Fixed annual rate	12.00%
Effective interest rate	10.96%
2016-B Class A Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 391,840
Proceeds from Securitizations of Consumer Loans	$ 380,033
Fixed annual rate	3.73%
Effective interest rate	5.56%
2016-B Class B Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 111,960
Proceeds from Securitizations of Consumer Loans	$ 108,586
Fixed annual rate	7.34%
Effective interest rate	8.09%
2017-A Class A Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 313,220
Proceeds from Securitizations of Consumer Loans	$ 304,451
Fixed annual rate	2.73%
Effective interest rate	4.97%
2017-A Class B Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 106,270
Proceeds from Securitizations of Consumer Loans	$ 103,300
Fixed annual rate	5.11%
Effective interest rate	5.80%
2017-A Class C Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued	$ 50,340
Proceeds from Securitizations of Consumer Loans	$ 48,919
Fixed annual rate	7.40%
Effective interest rate	7.83%
2015-A Redeemed Notes [Member]
Debt Instrument [Line Items]
Amount of notes issued				$ 78,800
Redemption price				114,100
Adjustments				35,300
Carrying value					$ 126,300
Debt issuance costs				$ 2,100
Asset-backed Securities [Member]
Debt Instrument [Line Items]
Monthly fee percentage on outstanding balance	4.75%	4.75%	4.75%

Debt and Capital Lease Obliga35

Debt and Capital Lease Obligations - Revolving Credit Facility (Details)	Mar. 31, 2017USD ($)equity_cure	Mar. 30, 2017USD ($)equity_cure	Jul. 31, 2017USD ($)	Jan. 31, 2017USD ($)
Line of Credit Facility [Line Items]
Minimum Interest Coverage Ratio			0.80
Minimum cash recovery percentage			4.45%
Amount of notes issued			$ 1,114,650,000
Deferred debt issuance costs			6,827,000	$ 10,853,000
Second quarter of fiscal 2017 through the first quarter of fiscal 2018 [Member]
Line of Credit Facility [Line Items]
Minimum cash recovery percentage	4.45%	4.50%
Second quarter of fiscal 2018 through the third quarter of fiscal 2019 [Member]
Line of Credit Facility [Line Items]
Minimum cash recovery percentage	4.20%	4.25%
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Deferred debt issuance costs			6,700,000	$ 5,700,000
Line of Credit [Member] | Letter of Credit [Member]
Line of Credit Facility [Line Items]
Amount of notes issued			$ 40,000,000
Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Maximum capacity extended under credit facility	$ 750,000,000	$ 810,000,000
Debt Instrument, Number of Equity Cures Exercisable | equity_cure	2	1
Maximum amount of each equity cure	$ 20,000,000	$ 10,000,000
Weighted-average interest rate			6.90%
Write off debt issuance costs	300,000
Deferred debt issuance costs	$ 2,800,000
Line of Credit [Member] | Revolving Credit Facility [Member] | Second quarter of fiscal 2017 through the first quarter of fiscal 2018 [Member]
Line of Credit Facility [Line Items]
Minimum Interest Coverage Ratio	0.80
Line of Credit [Member] | Revolving Credit Facility [Member] | Second quarter of fiscal 2018 through the third quarter of fiscal 2019 [Member]
Line of Credit Facility [Line Items]
Minimum Interest Coverage Ratio	1.10
Line of Credit [Member] | Revolving Credit Facility [Member] | May 31, 2016 through June 30, 2017 [Member]
Line of Credit Facility [Line Items]
Minimum Interest Coverage Ratio	1.25
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%
Alternate Base Rate [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread	2.50%
Alternate Base Rate [Member] | Minimum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread			1.75%
Alternate Base Rate [Member] | Maximum [Member] | Line of Credit [Member] | Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Variable basis spread			2.25%
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			$ 416,800,000
Sub-facility for letters of credit			2,800,000
Line of Credit Facility, Remaining Borrowing Capacity			$ 130,500,000
Revolving Credit Facility [Member] | LIBOR [Member]
Line of Credit Facility [Line Items]
Variable basis spread	3.50%
Revolving Credit Facility [Member] | LIBOR [Member] | Minimum [Member]
Line of Credit Facility [Line Items]
Variable basis spread			2.75%
Revolving Credit Facility [Member] | LIBOR [Member] | Maximum [Member]
Line of Credit Facility [Line Items]
Variable basis spread			3.25%

Debt and Capital Lease Obliga36

Debt and Capital Lease Obligations - Debt Covenants (Details) $ in Millions	6 Months Ended
	Jul. 31, 2017USD ($)
Debt Disclosure [Abstract]
Debt Instrument, Actual Interest Coverage Ratio	1.83
Minimum Interest Coverage Ratio	0.80
Debt Instrument, Actual Leverage Ratio	2.42
Debt Instrument, Maximum Leverage Ratio	4
Debt Instrument, Actual ABS Excluded Leverage Ratio	1.33
Debt Instrument, Maximum ABS Excluded Leverage Ratio	2
Debt Instrument, Actual Cash Recovery Percentage	5.01%
ABS Excluded Leverage Ratio must not exceed maximum	4.45%
Capital Expenditures, net, must not exceed maximum	$ 3.1
Maximum Capital Expenditures, Net	$ 75

Contingencies (Details)

Contingencies (Details)	Mar. 15, 2017	Jun. 30, 2015allegation	Jul. 31, 2017defendant	May 05, 2014claim
False and Misleading Statements and Failure to Disclosure Adverse Information [Member]
Loss Contingencies [Line Items]
Number of pending actions | claim				3
Number of allegations dismissed in claim		78
Number of allegations in claim		91
Richard A. Dohn v. Wright, et al. [Member]
Loss Contingencies [Line Items]
Extension of stay	60 days
Executive Officer [Member] | False and Misleading Statements and Failure to Disclosure Adverse Information [Member]
Loss Contingencies [Line Items]
Number of defendants | defendant			2

Variable Interest Entity - Add

Variable Interest Entity - Additional Information (Details)	6 Months Ended
	Jul. 31, 2017
Variable Interest Entity [Line Items]
Monthly fee percentage on outstanding balance	4.75%

Variable Interest Entity (Detai

Variable Interest Entity (Details) - USD ($) $ in Thousands	Jul. 31, 2017	Apr. 30, 2017	Jan. 31, 2017	Jul. 31, 2016	Jan. 31, 2016
Assets:
Restricted cash	$ 86,436		$ 110,698
Customer accounts receivable:
Allowance for uncollectible accounts	(202,655)		(210,175)	$ (201,176)	$ (190,990)
Allowances for Promotional Credit Programs	18,587		21,207
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	(12,152)		(6,991)
Total customer accounts receivable, net	1,246,138		1,318,066
Total assets	1,875,063		1,941,134
Liabilities:
Loans and Leases Receivable, Deferred Income	13,500		13,700
Less: deferred debt issuance costs	(6,827)		(10,853)
Long-term debt	1,060,720		1,144,393
Total liabilities	1,349,786		1,423,344
Variable Interest Entity
Variable Interest Entity [Line Items]
Due from Related Parties	8,526		7,368
Accounts Receivable, Customer	812,279		884,367
Accounts Receivable, Restructured Accounts	98,106		131,470
Assets:
Restricted cash	86,436		110,698
Customer accounts receivable:
Allowance for uncollectible accounts	(130,103)		(150,435)
Allowances for Promotional Credit Programs	13,425		15,912
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	(4,360)		0
Total customer accounts receivable, net	762,497		849,490
Total assets	857,459		967,556
Liabilities:
Accrued expenses	5,660		6,525
Loans and Leases Receivable, Deferred Income	10,301		6,691
Less: deferred debt issuance costs	(3,061)		(6,710)
Total long-term debt	635,761	$ 981,836	745,581
Long-term debt	638,822		752,291
Total liabilities	651,722		758,797
Secured Debt [Member] | 2015-A Class A Notes [Member]
Liabilities:
Total long-term debt	0		12,166
Secured Debt [Member] | 2015-A Class B Notes [Member]
Liabilities:
Total long-term debt	0		165,900
Secured Debt [Member] | 2016-A Class A Notes [Member]
Liabilities:
Total long-term debt	0		64,732
Secured Debt [Member] | 2016-A Class B Notes [Member]
Liabilities:
Total long-term debt	30,618		70,510
Secured Debt [Member] | 2016-A Class C Notes [Member]
Liabilities:
Total long-term debt	70,510		70,510
Secured Debt [Member] | 2016-B Class A Notes [Member]
Liabilities:
Total long-term debt	66,292		256,513
Secured Debt [Member] | 2016-B Class B Notes [Member]
Liabilities:
Total long-term debt	111,960		111,960
Secured Debt [Member] | 2017-A Class A Notes [Member]
Liabilities:
Total long-term debt	202,832		0
Secured Debt [Member] | 2017-A Class B Notes [Member]
Liabilities:
Total long-term debt	106,270		0
Secured Debt [Member] | 2017-A Class C Notes [Member]
Liabilities:
Total long-term debt	$ 50,340		$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017USD ($)state	Jul. 31, 2016USD ($)	Jul. 31, 2017USD ($)segmentstate	Jul. 31, 2016USD ($)
Segment Reporting Information [Line Items]
Number of Operating Segments | segment			2
Revenues [Abstract]
Product sales	$ 259,593	$ 299,723	$ 510,955	$ 586,213
Repair service agreement commissions	23,519	28,310	48,215	56,495
Service revenues	3,301	3,966	6,528	7,833
Revenue, Net	286,413	331,999	565,698	650,541
Finance charges and other	80,234	66,158	156,775	136,729
Total revenues	366,647	398,157	722,473	787,270
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	172,306	208,869	344,256	413,335
Selling, general and administrative expense	111,632	119,846	218,169	233,093
Provision for bad debts	49,449	60,196	105,379	118,414
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	4,068	2,895	5,295	3,421
Total cost and expenses	337,455	391,806	673,099	768,263
Operating income	29,192	6,351	49,374	19,007
Interest expense	20,039	24,138	44,047	50,034
Loss on extinguishment of debt	2,097	0	2,446	0
Income before income taxes	$ 7,056	(17,787)	$ 2,881	(31,027)
Estimated annual rate of reimbursement (in hundredths)			2.50%
Number of States in which Entity Operates | state	14		14
Allocation of overhead by operating segments	$ 7,700	6,500	$ 14,200	12,200
Retail [Member]
Revenues [Abstract]
Product sales	259,593	299,723	510,955	586,213
Repair service agreement commissions	23,519	28,310	48,215	56,495
Service revenues	3,301	3,966	6,528	7,833
Revenue, Net	286,413	331,999	565,698	650,541
Finance charges and other	92	437	172	931
Total revenues	286,505	332,436	565,870	651,472
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	172,306	208,869	344,256	413,335
Selling, general and administrative expense	78,667	84,838	152,614	164,821
Provision for bad debts	165	127	395	525
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	4,068	2,895	5,295	3,421
Total cost and expenses	255,206	296,729	502,560	582,102
Operating income	31,299	35,707	63,310	69,370
Interest expense	0	0	0	0
Loss on extinguishment of debt	0	0	0	0
Income before income taxes	31,299	35,707	63,310	69,370
Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Repair service agreement commissions	0	0	0	0
Service revenues	0	0	0	0
Revenue, Net	0	0	0	0
Finance charges and other	80,142	65,721	156,603	135,798
Total revenues	80,142	65,721	156,603	135,798
Cost and expenses
Cost of goods sold, including warehousing and occupancy costs	0	0	0	0
Selling, general and administrative expense	32,965	35,008	65,555	68,272
Provision for bad debts	49,284	60,069	104,984	117,889
Quarterly Financial Information, Quarterly Charges and Credits, Amount Affecting Comparability	0	0	0	0
Total cost and expenses	82,249	95,077	170,539	186,161
Operating income	(2,107)	(29,356)	(13,936)	(50,363)
Interest expense	20,039	24,138	44,047	50,034
Loss on extinguishment of debt	2,097	0	2,446	0
Income before income taxes	(24,243)	(53,494)	(60,429)	(100,397)
Furniture and Mattress [Member]
Revenues [Abstract]
Product sales	95,297	105,562	189,740	210,868
Furniture and Mattress [Member] | Retail [Member]
Revenues [Abstract]
Product sales	95,297	105,562	189,740	210,868
Furniture and Mattress [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Home Appliance [Member]
Revenues [Abstract]
Product sales	89,085	101,359	169,207	189,263
Home Appliance [Member] | Retail [Member]
Revenues [Abstract]
Product sales	89,085	101,359	169,207	189,263
Home Appliance [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Consumer Electronics [Member]
Revenues [Abstract]
Product sales	52,946	65,735	108,699	131,600
Consumer Electronics [Member] | Retail [Member]
Revenues [Abstract]
Product sales	52,946	65,735	108,699	131,600
Consumer Electronics [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Home Office [Member]
Revenues [Abstract]
Product sales	17,862	21,701	34,650	44,174
Home Office [Member] | Retail [Member]
Revenues [Abstract]
Product sales	17,862	21,701	34,650	44,174
Home Office [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Other Products [Member]
Revenues [Abstract]
Product sales	4,403	5,366	8,659	10,308
Other Products [Member] | Retail [Member]
Revenues [Abstract]
Product sales	4,403	5,366	8,659	10,308
Other Products [Member] | Credit [Member]
Revenues [Abstract]
Product sales	0	0	0	0
Intersegment Eliminations [Member]
Revenues [Abstract]
Total revenues	$ 9,200	$ 9,600	$ 18,700	$ 19,400

Guarantor Financial Informati41

Guarantor Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Apr. 30, 2016	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Jan. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Cash and Cash Equivalents, at Carrying Value	$ 35,018	$ 15,535	$ 12,254	$ 23,566	$ 12,254	$ 35,018	$ 23,566
Restricted Cash and Cash Equivalents, Current						86,436	110,698
Accounts Receivable, Net, Current						644,148	702,162
Other Receivables, Net, Current						59,401	69,286
Inventory, Net						196,768	164,856
Other Assets, Current						15,883	17,105
Total current assets						1,037,654	1,087,673
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures						0	0
Accounts Receivable, Net, Noncurrent						601,990	615,904
Property, Plant and Equipment, Net						154,788	159,202
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent						72,435	71,442
Other Assets, Noncurrent						8,196	6,913
Total assets						1,875,063	1,941,134
Long-term Debt, Current Maturities						906	849
Accounts Payable, Current						100,268	101,612
Accrued Liabilities and Other Liabilities						56,679	43,099
Other Liabilities, Current						20,955	21,821
Total current liabilities						178,808	167,381
Deferred Rent Credit, Noncurrent						85,538	87,957
Long-term Debt, Excluding Current Maturities						1,060,720	1,144,393
Other Liabilities, Noncurrent						24,720	23,613
Total liabilities						1,349,786	1,423,344
Total stockholders' equity						525,277	517,790
Total liabilities and stockholders' equity						1,875,063	1,941,134
Revenue, Net	286,413	331,999		565,698	650,541
Financial Services Revenue	80,234	66,158		156,775	136,729
Contractually Specified Servicing Fees, Amount	0	0		0	0
Total revenues	366,647	398,157		722,473	787,270
Cost of Goods Sold	172,306	208,869		344,256	413,335
Selling, General and Administrative Expense	111,632	119,846		218,169	233,093
Provision for bad debts	49,449	60,196		105,379	118,414
Other Nonrecurring (Income) Expense	4,068	2,895		5,295	3,421
Total cost and expenses	337,455	391,806		673,099	768,263
Operating income	29,192	6,351		49,374	19,007
Interest expense	20,039	24,138		44,047	50,034
Loss from extinguishment of debt	2,097	0		2,446	0
Income before income taxes	7,056	(17,787)		2,881	(31,027)
Provision (benefit) for income taxes	2,783	(5,863)		1,188	(9,354)
Net income (loss) before consolidation	4,273	(11,924)		1,693	(21,673)
Income (loss) from consolidated subsidiaries (after tax)	0	0		0	0
Net income	4,273	(11,924)		1,693	(21,673)
Net Cash Provided by (Used in) Operating Activities			131,939	90,541	131,939
Payments to Acquire Receivables			0	0
Proceeds from Sale and Collection of Receivables			0	0
Payments to Acquire Property, Plant, and Equipment			(32,020)	(6,135)	(32,020)
Proceeds from Sale of Property, Plant, and Equipment			686	0	686
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change			0
Net Cash Provided by (Used in) Investing Activities			(31,334)	(6,135)	(31,334)
Proceeds from issuance of asset backed notes, net of original issue discount			493,540	469,814
Payments on asset backed notes			(537,819)	(583,299)
Increase (Decrease) in Restricted Cash			(17,406)	24,262	(17,406)
Proceeds from Long-term Lines of Credit			405,378	844,941	405,378
Repayments of Long-term Lines of Credit			(435,085)	(822,441)	(435,085)
Payments of Debt Issuance Costs			(6,089)	(7,595)	(6,089)
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options			618	1,905	618
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			(461)	(541)
Net Cash Provided by (Used in) Financing Activities			(97,324)	(72,954)	(97,324)
Net change in cash and cash equivalents			3,281	11,452	3,281
Beginning of period			12,254	23,566	12,254
End of period	35,018	15,535		35,018	15,535
Consolidation, Eliminations [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and Cash Equivalents, at Carrying Value	0	0	0	0	0	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						(12,354)	(11,768)
Total current assets						(12,354)	(11,768)
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures						(879,691)	(898,256)
Accounts Receivable, Net, 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						(892,045)	(910,024)
Long-term Debt, Current Maturities						0	0
Accounts Payable, Current						0	0
Accrued Liabilities and Other Liabilities						(3,828)	(4,399)
Other Liabilities, Current						(8,526)	(7,370)
Total current liabilities						(12,354)	(11,769)
Deferred Rent Credit, Noncurrent						0	0
Long-term Debt, Excluding Current Maturities						0	0
Other Liabilities, Noncurrent						0	0
Total liabilities						(12,354)	(11,769)
Total stockholders' equity						(879,691)	(898,255)
Total liabilities and stockholders' equity						(892,045)	(910,024)
Revenue, Net	0	0		0	0
Financial Services Revenue	0	0		0	0
Contractually Specified Servicing Fees, Amount	(12,648)	(13,176)		(27,832)	(30,311)
Total revenues	(12,648)	(13,176)		(27,832)	(30,311)
Cost of Goods Sold	0	0		0	0
Selling, General and Administrative Expense	(12,648)	(13,176)		(27,832)	(30,311)
Provision for bad debts	0	0		0	0
Other Nonrecurring (Income) Expense	0	0		0	0
Total cost and expenses	(12,648)	(13,176)		(27,832)	(30,311)
Operating income	0	0		0	0
Interest expense	0	0		0	0
Loss from extinguishment of debt	0			0
Income before income taxes	0	0		0	0
Provision (benefit) for income taxes	0	0		0	0
Net income (loss) before consolidation	0	0		0	0
Income (loss) from consolidated subsidiaries (after tax)	(272)	32,999		33,483	52,789
Net income	(272)	32,999		33,483	52,789
Net Cash Provided by (Used in) Operating Activities			0	0
Payments to Acquire Receivables			478,080	466,056
Proceeds from Sale and Collection of Receivables			(478,080)	(466,056)
Payments to Acquire Property, Plant, and Equipment			0	0
Proceeds from Sale of Property, Plant, and Equipment			0	0
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change			(28,743)
Net Cash Provided by (Used in) Investing Activities			(28,743)	0
Proceeds from issuance of asset backed notes, net of original issue discount			0	0
Payments on asset backed notes			0	0
Increase (Decrease) in Restricted Cash			0	0
Proceeds from Long-term Lines of Credit			0	0
Repayments of Long-term Lines of Credit			0	0
Payments of Debt Issuance Costs			0	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options			0	0
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change			28,743
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation			0	0
Net Cash Provided by (Used in) Financing Activities			28,743	0
Net change in cash and cash equivalents			0	0
Beginning of period			0	0	0
End of period	0	0		0	0
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and Cash Equivalents, at Carrying Value	0	0	0	0	0	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						0	0
Total current assets						0	0
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures						673,953	678,149
Accounts Receivable, Net, Noncurrent						0	0
Property, Plant and Equipment, Net						0	0
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent						72,435	71,442
Other Assets, Noncurrent						0	0
Total assets						746,388	749,591
Long-term Debt, Current Maturities						0	0
Accounts Payable, Current						0	0
Accrued Liabilities and Other Liabilities						685	686
Other Liabilities, Current						0	0
Total current liabilities						685	686
Deferred Rent Credit, Noncurrent						0	0
Long-term Debt, Excluding Current Maturities						220,426	219,768
Other Liabilities, Noncurrent						0	0
Total liabilities						221,111	220,454
Total stockholders' equity						525,277	529,137
Total liabilities and stockholders' equity						746,388	749,591
Revenue, Net	0	0		0	0
Financial Services Revenue	0	0		0	0
Contractually Specified Servicing Fees, Amount	0	0		0	0
Total revenues	0	0		0	0
Cost of Goods Sold	0	0		0	0
Selling, General and Administrative Expense	0	0		0	0
Provision for bad debts	0	0		0	0
Other Nonrecurring (Income) Expense	0	0		0	0
Total cost and expenses	0	0		0	0
Operating income	0	0		0	0
Interest expense	4,443	4,397		8,886	8,843
Loss from extinguishment of debt	0			0
Income before income taxes	(4,443)	(4,397)		(8,886)	(8,843)
Provision (benefit) for income taxes	(1,967)	(1,449)		(3,664)	(2,666)
Net income (loss) before consolidation	(2,476)	(2,948)		(5,222)	(6,177)
Income (loss) from consolidated subsidiaries (after tax)	6,749	(8,976)		6,915	(15,496)
Net income	4,273	(11,924)		1,693	(21,673)
Net Cash Provided by (Used in) Operating Activities			(29,362)	(1,905)
Payments to Acquire Receivables			0	0
Proceeds from Sale and Collection of Receivables			0	0
Payments to Acquire Property, Plant, and Equipment			0	0
Proceeds from Sale of Property, Plant, and Equipment			0	0
Net Cash Provided by (Used in) Investing Activities, Intercompany Net Change			28,743
Net Cash Provided by (Used in) Investing Activities			28,743	0
Proceeds from issuance of asset backed notes, net of original issue discount			0	0
Payments on asset backed notes			0	0
Increase (Decrease) in Restricted Cash			0	0
Proceeds from Long-term Lines of Credit			0	0
Repayments of Long-term Lines of Credit			0	0
Payments of Debt Issuance Costs			0	0
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options			618	1,905
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	0
Net Cash Provided by (Used in) Financing Activities			619	1,905
Net change in cash and cash equivalents			0	0
Beginning of period			0	0	0
End of period	0	0		0	0
Guarantor Subsidiaries [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and Cash Equivalents, at Carrying Value	35,018	15,535	12,254	23,566	12,254	35,018	23,566
Restricted Cash and Cash Equivalents, Current						0	0
Accounts Receivable, Net, Current						213,293	173,054
Other Receivables, Net, Current						59,401	69,286
Inventory, Net						196,768	164,856
Other Assets, Current						19,711	21,505
Total current assets						524,191	452,267
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures						205,738	220,107
Accounts Receivable, Net, Noncurrent						270,348	295,522
Property, Plant and Equipment, Net						154,788	159,202
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent						0	0
Other Assets, Noncurrent						8,196	6,913
Total assets						1,163,261	1,134,011
Long-term Debt, Current Maturities						906	849
Accounts Payable, Current						100,268	101,612
Accrued Liabilities and Other Liabilities						54,162	40,287
Other Liabilities, Current						25,335	25,230
Total current liabilities						180,671	167,978
Deferred Rent Credit, Noncurrent						85,538	87,957
Long-term Debt, Excluding Current Maturities						204,534	179,044
Other Liabilities, Noncurrent						18,565	20,883
Total liabilities						489,308	455,862
Total stockholders' equity						673,953	678,149
Total liabilities and stockholders' equity						1,163,261	1,134,011
Revenue, Net	286,413	331,999		565,698	650,541
Financial Services Revenue	40,279	33,062		77,077	63,234
Contractually Specified Servicing Fees, Amount	12,648	13,176		27,832	30,311
Total revenues	339,340	378,237		670,607	744,086
Cost of Goods Sold	172,306	208,869		344,256	413,335
Selling, General and Administrative Expense	111,455	119,846		217,688	233,093
Provision for bad debts	25,418	20,830		19,985	56,412
Other Nonrecurring (Income) Expense	4,068	2,895		5,295	3,421
Total cost and expenses	313,247	352,440		587,224	706,261
Operating income	26,093	25,797		83,383	37,825
Interest expense	743	3,352		2,521	6,620
Loss from extinguishment of debt	0			349
Income before income taxes	25,350	22,445		80,513	31,205
Provision (benefit) for income taxes	12,124	7,398		33,200	9,408
Net income (loss) before consolidation	13,226	15,047		47,313	21,797
Income (loss) from consolidated subsidiaries (after tax)	(6,477)	(24,023)		(40,398)	(37,293)
Net income	6,749	(8,976)		6,915	(15,496)
Net Cash Provided by (Used in) Operating Activities			(383,337)	(388,785)
Payments to Acquire Receivables			0	0
Proceeds from Sale and Collection of Receivables			478,080	466,056
Payments to Acquire Property, Plant, and Equipment			(32,020)	(6,135)
Proceeds from Sale of Property, Plant, and Equipment			686	0
Net Cash Provided by (Used in) Investing Activities			446,746	459,921
Proceeds from issuance of asset backed notes, net of original issue discount			0	0
Payments on asset backed notes			0	(78,779)
Increase (Decrease) in Restricted Cash			0	0
Proceeds from Long-term Lines of Credit			405,378	844,941
Repayments of Long-term Lines of Credit			(435,085)	(822,441)
Payments of Debt Issuance Costs			(1,216)	(2,864)
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options			0	0
Net Cash Provided by (Used in) Financing Activities, Intercompany Net Change			(28,743)
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation			(462)	(541)
Net Cash Provided by (Used in) Financing Activities			(60,128)	(59,684)
Net change in cash and cash equivalents			3,281	11,452
Beginning of period			12,254	23,566	12,254
End of period	35,018	15,535		35,018	15,535
Non-Guarantor Subsidiaries [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and Cash Equivalents, at Carrying Value	0	0	0	0	0	0	0
Restricted Cash and Cash Equivalents, Current						86,436	110,698
Accounts Receivable, Net, Current						430,855	529,108
Other Receivables, Net, Current						0	0
Inventory, Net						0	0
Other Assets, Current						8,526	7,368
Total current assets						525,817	647,174
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures						0	0
Accounts Receivable, Net, Noncurrent						331,642	320,382
Property, Plant and Equipment, Net						0	0
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent						0	0
Other Assets, Noncurrent						0	0
Total assets						857,459	967,556
Long-term Debt, Current Maturities						0	0
Accounts Payable, Current						0	0
Accrued Liabilities and Other Liabilities						5,660	6,525
Other Liabilities, Current						4,146	3,961
Total current liabilities						9,806	10,486
Deferred Rent Credit, Noncurrent						0	0
Long-term Debt, Excluding Current Maturities						635,760	745,581
Other Liabilities, Noncurrent						6,155	2,730
Total liabilities						651,721	758,797
Total stockholders' equity						205,738	208,759
Total liabilities and stockholders' equity						$ 857,459	$ 967,556
Revenue, Net	0	0		0	0
Financial Services Revenue	39,955	33,096		79,698	73,495
Contractually Specified Servicing Fees, Amount	0	0		0	0
Total revenues	39,955	33,096		79,698	73,495
Cost of Goods Sold	0	0		0	0
Selling, General and Administrative Expense	12,825	13,176		28,313	30,311
Provision for bad debts	24,031	39,366		85,394	62,002
Other Nonrecurring (Income) Expense	0	0		0	0
Total cost and expenses	36,856	52,542		113,707	92,313
Operating income	3,099	(19,446)		(34,009)	(18,818)
Interest expense	14,853	16,389		32,640	34,571
Loss from extinguishment of debt	2,097			2,097
Income before income taxes	(13,851)	(35,835)		(68,746)	(53,389)
Provision (benefit) for income taxes	(7,374)	(11,812)		(28,348)	(16,096)
Net income (loss) before consolidation	(6,477)	(24,023)		(40,398)	(37,293)
Income (loss) from consolidated subsidiaries (after tax)	0	0		0	0
Net income	(6,477)	(24,023)		(40,398)	(37,293)
Net Cash Provided by (Used in) Operating Activities			544,638	481,231
Payments to Acquire Receivables			(478,080)	(466,056)
Proceeds from Sale and Collection of Receivables			0	0
Payments to Acquire Property, Plant, and Equipment			0	0
Proceeds from Sale of Property, Plant, and Equipment			0	0
Net Cash Provided by (Used in) Investing Activities			(478,080)	(466,056)
Proceeds from issuance of asset backed notes, net of original issue discount			493,540	469,814
Payments on asset backed notes			(537,819)	(504,520)
Increase (Decrease) in Restricted Cash			(17,406)	24,262
Proceeds from Long-term Lines of Credit			0	0
Repayments of Long-term Lines of Credit			0	0
Payments of Debt Issuance Costs			(4,873)	(4,731)
Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Including Stock Options			0	0
Proceeds from (Payments for) Other Financing Activities, Including Excess Tax Benefit from Share-based Compensation			0	0
Net Cash Provided by (Used in) Financing Activities			(66,558)	(15,175)
Net change in cash and cash equivalents			0	0
Beginning of period			$ 0	0	0
End of period	$ 0	$ 0		$ 0	$ 0

Subsequent Events (Details)

Subsequent Events (Details)	Aug. 25, 2017store	Aug. 15, 2017USD ($)	Jul. 31, 2017USD ($)	May 15, 2017USD ($)
Subsequent Event [Line Items]
Debt instrument, face amount			$ 1,114,650,000
2015-A Redeemed Notes [Member]
Subsequent Event [Line Items]
Debt instrument, face amount				$ 78,800,000
Redemption price				114,100,000
Adjustments				$ 35,300,000
Subsequent Event [Member]
Subsequent Event [Line Items]
Number of stores | store	116
Subsequent Event [Member] | Facility Closing [Member] | Hurricane [Member]
Subsequent Event [Line Items]
Number of stores | store	23
Subsequent Event [Member] | Initial Financing [Member]
Subsequent Event [Line Items]
Debt instrument, face amount		$ 79,900,000
Subsequent Event [Member] | 2015-A Redeemed Notes [Member]
Subsequent Event [Line Items]
Debt instrument, face amount		78,600,000
Redemption price		102,900,000
Adjustments		$ 24,300,000