v3.26.1
Financing Receivables (Tables)
 3 Months Ended
Apr. 30, 2026
Receivables [Abstract]  
Schedule of Short-term and Long-term Financing Receivables
The Company’s short-term and long-term financing receivables were as follows (in thousands):
April 30, 2026January 31, 2026
Short-term financing receivables, gross$107,523 $81,723 
Unearned income(15,933)(13,236)
Allowance for credit losses(2,417)(1,002)
Short-term financing receivables, net$89,173 $67,485 
Long-term financing receivables, gross$239,472 $213,601 
Unearned income(19,133)(17,847)
Allowance for credit losses(2,984)(1,648)
Long-term financing receivables, net$217,355 $194,106 
Schedule of Amortized Cost Basis of Financing Receivables Categorized by Internal Risk Rating
The Company’s amortized cost basis of financing receivables categorized by internal risk rating and year of origination was as follows (in thousands):
April 30, 2026January 31, 2026
Fiscal Year of OriginationFiscal Year of Origination
Internal Risk Rating(1)
202720262025Total20262025Total
1 to 4$22,645 $113,274 $17,597 $153,516 $127,440 $17,374 $144,814 
5 to 648,777 81,110 23,944 153,831 91,249 23,719 114,968 
7 to 9— 4,582 — 4,582 4,459 — 4,459 
Amortized cost basis of financing receivables$71,422 $198,966 $41,541 $311,929 $223,148 $41,093 $264,241 
(1)Internal risk ratings are determined based on the end-user’s financial condition and are categorized as 1 through 9, with the lowest rating representing the highest quality. Credit quality indicators are generally updated at least annually, or more frequently to the extent required by economic conditions.