| Schedule of Estimated Useful Life of Property and Equipment |
The useful life used for computing depreciation for all other asset classes is described below: | | | | | | | Computer equipment | 3-5 years | | Furniture and fixtures | 5 years |
Property and equipment consisted of the following as of January 31, 2025 and 2024: | | | | | | | | | | | | | (in thousands) | January 31, 2025 | | January 31, 2024 | | Leasehold improvements | $ | 13,966 | | | $ | 14,455 | | | Furniture and fixtures | 6,708 | | | 7,087 | | | Computer equipment | 19,218 | | | 25,489 | | | Property and equipment, gross | 39,892 | | | 47,031 | | | Accumulated depreciation | (36,653) | | | (41,018) | | | Property and equipment, net | $ | 3,239 | | | $ | 6,013 | |
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| Schedule of Useful Lives of 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 | |
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