v3.25.1

Intangible assets and goodwill (Tables) | 12 Months Ended
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Jan. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract] |
Schedule of Transfers to HealthEquity | The transfer closed in a series of three tranches, as follows:
| Transfers to HealthEquity |  | Applicable purchase price
(in thousands, except HSA Assets) | HSAs |  | HSA Assets (in millions) |  | Paid using cash on hand |  | Paid using borrowings under the Prior Revolving Credit Facility |  | Total purchase price
March 7, 2024 | 266 |  | $ | 1,071 |  |  | $ | 163,974 |  |  | $ | — |  |  | $ | 163,974 |
April 11, 2024 | 134 |  | 555 |  |  | 34,925 |  |  | 50,000 |  |  | 84,925 |
May 9, 2024 | 216 |  | 1,047 |  |  | 1,101 |  |  | 175,000 |  |  | 176,101 |
Total | 616 |  | $ | 2,673 |  |  | $ | 200,000 |  |  | $ | 225,000 |  |  | $ | 425,000 |
Schedule of Finite-Lived Intangible Assets | The useful life used for computing amortization for all intangible asset classes is described below:
Software and software development costs | 3 years
Acquired customer relationships | 7-15 years
Acquired developed technology | 2-5 years
Acquired trade names and trademarks | 3 years
Acquired HSA portfolios | 15 years
The gross carrying amount and associated accumulated amortization of intangible assets were as follows:
| January 31, 2025
(in thousands) | Gross carrying amount |  | Accumulated amortization |  | Net carrying amount
Amortizable intangible assets: |  |  |  |  |
Software and software development costs | $ | 312,234 |  |  | $ | (234,102) |  |  | $ | 78,132 |
Acquired HSA portfolios | 737,011 |  |  | (124,606) |  |  | 612,405 |
Acquired customer relationships | 759,782 |  |  | (256,820) |  |  | 502,962 |
Acquired developed technology | 132,825 |  |  | (121,666) |  |  | 11,159 |
Acquired trade names | 12,900 |  |  | (12,900) |  |  | — |
Total amortizable intangible assets | $ | 1,954,752 |  |  | $ | (750,094) |  |  | $ | 1,204,658 |
| January 31, 2024
(in thousands) | Gross carrying amount |  | Accumulated amortization |  | Net carrying amount
Amortizable intangible assets: |  |  |  |  |
Software and software development costs | $ | 267,498 |  |  | $ | (197,388) |  |  | $ | 70,110 |
Acquired HSA portfolios | 264,445 |  |  | (81,059) |  |  | 183,386 |
Acquired customer relationships | 759,782 |  |  | (205,127) |  |  | 554,655 |
Acquired developed technology | 132,825 |  |  | (105,049) |  |  | 27,776 |
Acquired trade names | 12,900 |  |  | (12,879) |  |  | 21 |
Total amortizable intangible assets | $ | 1,437,450 |  |  | $ | (601,502) |  |  | $ | 835,948 |
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense | Estimated amortization expense for the fiscal years ending January 31 is as follows:
Year ending January 31, (in thousands) |
2026 | $ | 146,511 |
2027 | 129,812 |
2028 | 111,644 |
2029 | 98,155 |
2030 | 97,130 |
Thereafter | 621,406 |
Total | $ | 1,204,658 |

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- Definition Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 350 -SubTopic 30 -Name Accounting Standards Codification -Section 55 -Paragraph 40 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 350 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2 + Details
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