v3.26.1
Intangible assets and goodwill - Schedule of Gross Carrying Amount and Associated Accumulated Amortization of Intangible Assets (Details) - USD ($)
$ in Thousands
Jul. 31, 2026
Jan. 31, 2026
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount $ 2,025,802 $ 1,999,408
Accumulated amortization (978,005) (902,236)
Net carrying amount 1,047,797 1,097,172
Software and software development costs    
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount 382,991 356,597
Accumulated amortization (301,258) (278,291)
Net carrying amount 81,733 78,306
Acquired HSA portfolios    
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount 737,304 737,304
Accumulated amortization (197,913) (173,687)
Net carrying amount 539,391 563,617
Acquired customer relationships    
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount 759,782 759,782
Accumulated amortization (334,359) (308,512)
Net carrying amount 425,423 451,270
Acquired developed technology    
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount 132,825 132,825
Accumulated amortization (131,575) (128,846)
Net carrying amount 1,250 3,979
Acquired trade names    
Intangible Asset, Finite-Lived [Line Items]    
Gross carrying amount 12,900 12,900
Accumulated amortization (12,900) (12,900)
Net carrying amount $ 0 $ 0