v3.26.1
Fair value measurements - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($)
$ in Thousands
Jul. 31, 2026
Jan. 31, 2026
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Money market mutual funds $ 33,838 $ 44,945
Cardholder receivables 88,938 86,053
Deferred purchase price receivable 21,453 23,425
Total assets 144,229 154,423
Foreign currency forward contracts 278 148
Due to healthcare providers 89,471 83,385
Total liabilities 89,749 83,533
Unpaid principal balance of cardholder receivables 147,304 147,471
Unpaid principal balance due to healthcare providers 147,724 144,802
Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Money market mutual funds 33,838 44,945
Cardholder receivables 0 0
Deferred purchase price receivable 0 0
Total assets 33,838 44,945
Foreign currency forward contracts 0 0
Due to healthcare providers 0 0
Total liabilities 0 0
Significant Other Observable Inputs (Level 2)    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Money market mutual funds 0 0
Cardholder receivables 0 0
Deferred purchase price receivable 0 0
Total assets 0 0
Foreign currency forward contracts 278 148
Due to healthcare providers 0 0
Total liabilities 278 148
Significant Unobservable Inputs (Level 3)    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Money market mutual funds 0 0
Cardholder receivables 88,938 86,053
Deferred purchase price receivable 21,453 23,425
Total assets 110,391 109,478
Foreign currency forward contracts 0 0
Due to healthcare providers 89,471 83,385
Total liabilities $ 89,471 $ 83,385