The Company’s short-term and long-term financing receivables were as follows (in thousands):


	July 31, 2026		January 31, 2026
Short-term financing receivables, gross	$	124,332	$	81,723
Unearned income	(16,152)		(13,236)
Allowance for credit losses	(2,883)		(1,002)
Short-term financing receivables, net	$	105,297	$	67,485

Long-term financing receivables, gross	$	239,525	$	213,601
Unearned income	(17,267)		(17,847)
Allowance for credit losses	(2,686)		(1,648)
Long-term financing receivables, net	$	219,572	$	194,106

The Company’s amortized cost basis of financing receivables categorized by internal risk rating and year of origination was as follows (in thousands):


	July 31, 2026								January 31, 2026
	Fiscal Year of Origination								Fiscal Year of Origination
Internal Risk Rating(1)	2027		2026		2025		Total		2026		2025		Total
1 to 4	$	28,558	$	110,762	$	17,825	$	157,145	$	127,440	$	17,374	$	144,814
5 to 6	69,672		74,739		24,172		168,583		91,249		23,719		114,968
7 to 9	—		4,710		—		4,710		4,459		—		4,459
Amortized cost basis of financing receivables	$	98,230	$	190,211	$	41,997	$	330,438	$	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.

There was no significant activity in allowance for credit losses during the three and six months ended July 31, 2026 and July 31, 2025. As of July 31, 2026, there were no past due amounts on financing receivables. Past due amounts on financing receivables as of January 31, 2026 were immaterial.