v3.26.1
LINES OF CREDIT / FLOORPLAN PAYABLE (Details) - USD ($)
$ in Thousands
3 Months Ended
Apr. 30, 2026
Jan. 31, 2026
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Floorplan Notes Payable $ 588,992 $ 553,754
Subsequent Events [Abstract]    
LINES OF CREDIT / FLOORPLAN PAYABLE FLOORPLAN PAYABLE/LINES OF CREDIT
As of April 30, 2026, the Company had floorplan and working capital lines of credit totaling $1.5 billion, which is primarily comprised of three floorplan lines of credit: (i) $875.0 million credit facility with CNH Industrial N.V. (“CNH”), (ii) $390.0 million floorplan line of credit and $110.0 million working capital line of credit under its credit agreement with a syndicate of banks (“Bank Syndicate Agreement”), and (iii) $67.5 million credit facility with DLL Finance LLC (“DLL Finance”).
The Company's outstanding balances of floorplan lines of credit as of April 30, 2026 and January 31, 2026, consisted of the following:
April 30, 2026January 31, 2026
(in thousands)
CNH$446,726 $448,942 
Bank Syndicate Agreement floorplan loan69,011 25,545 
DLL Finance28,352 32,280 
Other outstanding balances with manufacturers and non-manufacturers44,903 46,987 
$588,992 $553,754 
As of April 30, 2026, the interest-bearing floorplan payables carried a variable interest rate with a range of 3.52% to 8.50% compared to a range of 3.83% to 8.50% as of January 31, 2026. The Company had non-interest-bearing floorplan payables of $332.4 million and $266.8 million, as of April 30, 2026 and January 31, 2026, respectively.
 
Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding $ 588,992 553,754
Non-Interest Bearing Floorplan Line of Credit [Member]    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Floorplan Notes Payable 332,400 $ 266,800
Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity $ 1,500,000  
Credit Facility | U.S.    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Debt Instrument, Interest Rate, Stated Percentage 3.52% 3.83%
Credit Facility | Maximum [Member] | U.S.    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Debt Instrument, Interest Rate, Stated Percentage 8.50% 8.50%
CNH Industrial Capital Credit Facility | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity $ 875,000  
DLL Finance LLC [Member] | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity 67,500  
Bank Syndicate [Domain] | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity 390,000  
CNH Industrial Capital Credit Facility | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 446,726 $ 448,942
Bank Syndicate [Domain] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 69,011 25,545
DLL Finance LLC [Member] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 28,352 32,280
Other Affiliates [Member] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding $ 44,903 $ 46,987