Subsequent events	9 Months Ended
Oct. 31, 2025
Subsequent Events [Abstract]
Subsequent events	Subsequent events AccessOne Acquisition On November 12, 2025, subsequent to the end of the quarter, the Company completed its previously announced acquisition of 100% of the outstanding equity of AccessOne, which provides financing solutions for healthcare receivables and offers healthcare providers a scalable, compliant and operationally efficient tool that improves collections without undermining patient trust. The transaction closed in accordance with the terms of the definitive agreement entered into on August 29, 2025. The Company is in the process of completing the initial accounting for the business combination, including the identification and valuation of the intangible assets acquired and liabilities assumed. Accordingly, the preliminary purchase price allocation will be presented in the Company’s Form 10-K for the fiscal year ending January 31, 2026. Bridge Loan The purchase price for the AccessOne acquisition was funded with a combination of cash and the net proceeds from a new, 364-day $110 million secured term loan (the “Bridge Loan”) entered into on the Closing Date. The Bridge Loan has an outstanding principal amount of $110 million and bears interest at a per annum rate equal to the three month SOFR rate plus a margin of 4.00% per annum. The Bridge Loan matures on November 11, 2026. The interest rate applicable to the Bridge Loan will increase by 0.5% every three months following the closing date of November 12, 2025. The Company incurred approximately $3 million in debt issuance costs and original issue discount related to this new loan facility. First Amendment to the Capital One Credit Facility On November 12, 2025, the Company entered into the First Amendment to the Capital One Credit Facility. The First Amendment to the Capital One Credit Facility amended the covenant limiting acquisitions to permit the acquisition of AccessOne, amended the covenant limiting additional indebtedness to accommodate the Bridge Loan, and amended the security interest supporting the Capital One Credit Facility to permit the security interests granted in connection with the Bridge Loan. The amendment included further changes to sections governing mandatory and voluntary prepayments, negative covenants and events of default to accommodate the existence of the Bridge Loan.

On November 12, 2025, subsequent to the end of the quarter, the Company completed its previously announced acquisition of 100% of the outstanding equity of AccessOne, which provides financing solutions for healthcare receivables and offers healthcare providers a scalable, compliant and operationally efficient tool that improves collections without undermining patient trust. The transaction closed in accordance with the terms of the definitive agreement entered into on August 29, 2025.

The Company is in the process of completing the initial accounting for the business combination, including the identification and valuation of the intangible assets acquired and liabilities assumed. Accordingly, the preliminary purchase price allocation will be presented in the Company’s Form 10-K for the fiscal year ending January 31, 2026.

The purchase price for the AccessOne acquisition was funded with a combination of cash and the net proceeds from a new, 364-day $110 million secured term loan (the “Bridge Loan”) entered into on the Closing Date. The Bridge Loan has an outstanding principal amount of $110 million and bears interest at a per annum rate equal to the three month SOFR rate plus a margin of 4.00% per annum. The Bridge Loan matures on November 11, 2026. The interest rate applicable to the Bridge Loan will increase by 0.5% every three months following the closing date of November 12, 2025. The Company incurred approximately $3 million in debt issuance costs and original issue discount related to this new loan facility.

On November 12, 2025, the Company entered into the First Amendment to the Capital One Credit Facility. The First Amendment to the Capital One Credit Facility amended the covenant limiting acquisitions to permit the acquisition of AccessOne, amended the covenant limiting additional indebtedness to accommodate the Bridge Loan, and amended the security interest supporting the Capital One Credit Facility to permit the security interests granted in connection with the Bridge Loan. The amendment included further changes to sections governing mandatory and voluntary prepayments, negative covenants and events of default to accommodate the existence of the Bridge Loan.