CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2020	Apr. 30, 2019
Cash flows from operating activities:
Net income (loss)	$ (56,202)	$ 19,509
Adjustments to reconcile net income to net cash from operating activities:
Depreciation	9,817	8,852
Change in right-of-use asset	7,534	6,739
Amortization of debt issuance costs	2,049	1,773
Provision for bad debts and uncollectible interest	137,456	52,330
Stock-based compensation expense	2,430	3,217
Professional Fees	2,055	0
Costs and Impairment Charges Related to Store Closings		(695)
Deferred income taxes	(5,975)	1,224
Tenant improvement allowances received from landlords	3,969	4,807
Change in operating assets and liabilities:
Customer accounts receivable	22,999	(8,352)
Other accounts receivables	15,722	1,500
Inventories	14,833	6,932
Other assets	2,985	(7,164)
Accounts payable	12,884	(13,852)
Accrued expenses	4,258	(11,149)
Operating leases	(10,514)	(4,499)
Income taxes	(14,748)	(12,212)
Deferred revenues and other credits	972	700
Net cash provided by operating activities	152,524	49,660
Cash flows from investing activities:
Purchases of property and equipment	(16,682)	(13,119)
Net cash used in investing activities	(16,682)	(13,119)
Cash flows from financing activities:
Proceeds from issuance of asset-backed notes	0	381,790
Payments on asset-backed notes	(161,534)	(95,214)
Borrowings under revolving credit facility	591,424	323,138
Payments on revolving credit facility	(284,524)	(589,638)
Payments on warehouse facility	0	(28,951)
Payments of debt issuance costs and amendment fees	(4)	(3,442)
Proceeds from stock issued under employee benefit plans	177	403
Tax payments associated with equity-based compensation transactions	(1,285)	(1,454)
Other	(159)	(300)
Net cash provided by (used in) financing activities	144,095	(13,668)
Net change in cash, cash equivalents and restricted cash	279,937	22,873
Cash, cash equivalents and restricted cash, beginning of period	80,855	64,937
Cash, cash equivalents and restricted cash, end of period	360,792	87,810
Non-cash investing and financing activities:
Right-of-use assets obtained in exchange for new finance lease liabilities	757	436
Right-of-use assets obtained in exchange for new operating lease liabilities	38,239	22,030
Property and equipment purchases not yet paid	11,965	5,594
Supplemental cash flow data:
Cash interest paid	8,608	8,605
Cash income taxes paid (refunded), net	$ (310)	$ 15,999