v3.26.1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Jul. 31, 2026
Jan. 31, 2026
Current:    
Cash, cash equivalents and restricted cash (including restricted cash of $— and $1,691 as of July 31, 2026 and January 31, 2026, respectively) $ 72,945 $ 73,830
Settlement assets 26,746 32,999
Accounts receivable, net of allowance for doubtful accounts of $879 and $1,523 as of July 31, 2026 and January 31, 2026, respectively 89,406 97,453
Cardholder receivables 29,351 38,330
Deferred purchase price receivables 14,799 18,003
Accrued interest and fees receivables 723 840
Deferred contract acquisition costs 394 410
Prepaid expenses and other current assets 19,139 17,978
Total current assets 253,503 279,843
Property and equipment, net of accumulated depreciation and amortization of $90,281 and $94,193 as of July 31, 2026 and January 31, 2026, respectively 18,122 20,332
Capitalized internal-use software, net of accumulated amortization of $77,389 and $69,390 as of July 31, 2026 and January 31, 2026, respectively 54,127 54,270
Operating lease right-of-use assets 1,205 2,002
Deferred contract acquisition costs 130 338
Intangible assets, net of accumulated amortization of $18,728 and $13,489 as of July 31, 2026 and January 31, 2026, respectively 74,522 79,761
Goodwill 171,468 170,064
Deferred tax assets 990 1,593
Other assets (includes $1,691 and $— of long-term restricted cash as of July 31, 2026 and January 31, 2026, respectively) 6,669 2,442
Long-term cardholder receivables 59,587 47,723
Long-term deferred purchase price receivables 6,654 5,422
Total Assets 646,977 663,790
Current:    
Settlement obligations 26,746 32,999
Current portion of debt and finance lease liabilities 5,281 7,971
Current portion of operating lease liabilities 824 1,254
Accounts payable 12,237 11,477
Accrued expenses 35,706 41,257
Due to healthcare providers 29,737 38,056
Deferred revenue 32,573 49,522
Other current liabilities 731 705
Total current liabilities 143,835 183,241
Long-term debt and finance lease liabilities 61,165 92,117
Operating lease liabilities, non-current 677 1,107
Long-term due to healthcare providers 59,734 45,329
Long-term deferred revenue 4,687 244
Long-term deferred tax liabilities 4,589 4,498
Other long-term liabilities 439 47
Total Liabilities 275,126 326,583
Commitments and contingencies (Note 11)
Stockholders’ Equity:    
Preferred stock, undesignated, $0.01 par value—20,000,000 shares authorized as of both July 31, 2026 and January 31, 2026; no shares issued or outstanding as of both July 31, 2026 and January 31, 2026 0 0
Common stock, $0.01 par value—500,000,000 shares authorized as of both July 31, 2026 and January 31, 2026; 63,516,793 and 62,020,186 shares issued as of July 31, 2026 and January 31, 2026, respectively 635 620
Additional paid-in capital 1,212,775 1,181,679
Accumulated deficit (794,309) (799,190)
Accumulated other comprehensive loss (621) (382)
Treasury stock, at cost, 1,476,215 and 1,355,169 shares as of July 31, 2026 and January 31, 2026, respectively (46,629) (45,520)
Total Stockholders’ Equity 371,851 337,207
Total Liabilities and Stockholders’ Equity $ 646,977 $ 663,790