| Schedule of Gross Carrying Amount and Associated Accumulated Amortization of Intangible Assets |
The gross carrying amount and associated accumulated amortization of intangible assets were as follows: | | | | | | | | | | | | | | | | | | | July 31, 2026 | | (in thousands) | Gross carrying amount | | Accumulated amortization | | Net carrying amount | | Amortizable intangible assets: | | | | | | | Software and software development costs | $ | 382,991 | | | $ | (301,258) | | | $ | 81,733 | | | Acquired HSA portfolios | 737,304 | | | (197,913) | | | 539,391 | | | Acquired customer relationships | 759,782 | | | (334,359) | | | 425,423 | | | Acquired developed technology | 132,825 | | | (131,575) | | | 1,250 | | | Acquired trade names | 12,900 | | | (12,900) | | | — | | | Total amortizable intangible assets | $ | 2,025,802 | | | $ | (978,005) | | | $ | 1,047,797 | |
| | | | | | | | | | | | | | | | | | | January 31, 2026 | | (in thousands) | Gross carrying amount | | Accumulated amortization | | Net carrying amount | | Amortizable intangible assets: | | | | | | | Software and software development costs | $ | 356,597 | | | $ | (278,291) | | | $ | 78,306 | | | Acquired HSA portfolios | 737,304 | | | (173,687) | | | 563,617 | | | Acquired customer relationships | 759,782 | | | (308,512) | | | 451,270 | | | Acquired developed technology | 132,825 | | | (128,846) | | | 3,979 | | | Acquired trade names | 12,900 | | | (12,900) | | | — | | | Total amortizable intangible assets | $ | 1,999,408 | | | $ | (902,236) | | | $ | 1,097,172 | |
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