v3.25.2
LINES OF CREDIT / FLOORPLAN PAYABLE (Details) - USD ($)
$ in Thousands
6 Months Ended
Jul. 31, 2025
Jan. 31, 2025
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Floorplan Notes Payable $ 852,225 $ 755,698
Subsequent Events [Abstract]    
LINES OF CREDIT / FLOORPLAN PAYABLE FLOORPLAN PAYABLE/LINES OF CREDIT
As of July 31, 2025, the Company had floorplan and working capital lines of credit totaling $1.5 billion, which is primarily comprised of three floorplan lines of credit: (i) $875.0 million credit facility with CNH Industrial N.V. (“CNH”), (ii) $390.0 million floorplan line of credit and $110.0 million working capital line of credit under its credit agreement with a syndicate of banks (“Bank Syndicate Agreement”), and (iii) $80.0 million credit facility with DLL Finance LLC (“DLL Finance”).
The Company's outstanding balances of floorplan lines of credit as of July 31, 2025 and January 31, 2025, consisted of the following:
July 31, 2025January 31, 2025
(in thousands)
CNH$613,161 $520,927 
Bank Syndicate Agreement Floorplan Loan124,489 127,154 
DLL Finance39,416 37,859 
Other outstanding balances with manufacturers and non-manufacturers75,159 69,758 
$852,225 $755,698 
As of July 31, 2025, the interest-bearing floorplan payables carried a variable interest rate with a range of 3.08% to 7.50% compared to a range of 4.06% to 9.15% as of January 31, 2025. The Company had non-interest-bearing floorplan payables of $394.8 million and $302.4 million, as of July 31, 2025 and January 31, 2025, respectively.
 
Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding $ 852,225 755,698
Non-Interest Bearing Floorplan Line of Credit [Member]    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Floorplan Notes Payable 394,800 $ 302,400
Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity $ 1,500,000  
Credit Facility | U.S.    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Debt Instrument, Interest Rate, Stated Percentage 3.08% 4.06%
Credit Facility | Maximum [Member] | U.S.    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Debt Instrument, Interest Rate, Stated Percentage 7.50% 9.15%
CNH Industrial Capital Credit Facility | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity $ 875,000  
DLL Finance LLC [Member] | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity 80,000  
Bank Syndicate [Domain] | Credit Facility    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Maximum borrowing capacity 390,000  
CNH Industrial Capital Credit Facility | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 613,161 $ 520,927
Bank Syndicate [Domain] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 124,489 127,154
DLL Finance LLC [Member] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding 39,416 37,859
Other Affiliates [Member] | Floorplan Line of Credit    
LINES OF CREDIT / FLOORPLAN NOTES PAYABLE    
Amount outstanding $ 75,159 $ 69,758