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Revenue from Contracts with Customers (Tables) | 12 Months Ended
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Sep. 30, 2022
Revenue from Contract with Customer [Abstract] |
Disaggregation of Revenue | The following tables provide information about disaggregated revenue by primary geographical market:
| Year Ended September 30, 2022
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 691,006 |  |  | $ | 439,705 |  |  | $ | 1,130,711 |  |  | 82 | %
Europe, Middle East and Africa | 4,475 |  |  | 142,824 |  |  | 147,299 |  |  | 11 | %
Asia Pacific | 11,162 |  |  | 88,098 |  |  | 99,260 |  |  | 7 | %
Total | $ | 706,643 |  |  | $ | 670,627 |  |  | $ | 1,377,270 |  |  | 100 | %
| Year Ended September 30, 2021
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 633,497 |  |  | $ | 416,436 |  |  | $ | 1,049,933 |  |  | 80 | %
Europe, Middle East and Africa | 11,881 |  |  | 178,515 |  |  | 190,396 |  |  | 14 | %
Asia Pacific | 8,769 |  |  | 67,438 |  |  | 76,207 |  |  | 6 | %
Total | $ | 654,147 |  |  | $ | 662,389 |  |  | $ | 1,316,536 |  |  | 100 | %
| Year Ended September 30, 2020
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 514,909 |  |  | $ | 477,316 |  |  | $ | 992,225 |  |  | 76 | %
Europe, Middle East and Africa | 6,385 |  |  | 197,199 |  |  | 203,584 |  |  | 16 | %
Asia Pacific | 7,253 |  |  | 91,500 |  |  | 98,753 |  |  | 8 | %
Total | $ | 528,547 |  |  | $ | 766,015 |  |  | $ | 1,294,562 |  |  | 100 | %
The following table provides information about disaggregated revenue for our Software segment by deployment method:
| Year Ended September 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2020 |  | 2022 |  | 2021 |  | 2020
| (Dollars in thousands)
On-premises software | $ | 280,649 |  |  | $ | 266,452 |  |  | $ | 347,532 |  |  | 50 | % |  | 51 | % |  | 59 | %
SaaS software | 284,102 |  |  | 251,436 |  |  | 237,044 |  |  | 50 | % |  | 49 | % |  | 41 | %
Total on-premises and SaaS software | $ | 564,751 |  |  | $ | 517,888 |  |  | $ | 584,576 |  |  | 100 | % |  | 100 | % |  | 100 | %
The following table provides information about disaggregated revenue for our Software segment by product features:
| Year Ended September 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2020 |  | 2022 |  | 2021 |  | 2020
| (Dollars in thousands)
Platform software (*) | $ | 116,252 |  |  | $ | 66,884 |  |  | $ | 65,665 |  |  | 21 | % |  | 13 | % |  | 11 | %
Non-Platform software | 448,499 |  |  | 451,004 |  |  | 518,911 |  |  | 79 | % |  | 87 | % |  | 89 | %
Total on-premises and SaaS software | $ | 564,751 |  |  | $ | 517,888 |  |  | $ | 584,576 |  |  | 100 | % |  | 100 | % |  | 100 | %
(*) The FICO platform software is a set of interoperable capabilities which use software assets owned and/or governed by FICO for building solutions and services which conform to FICO architectural standards based on key elements of Cloud Native Computing design principles. These standards encompass shared security context and access using FICO standard application programming interfaces. The following table provides information about disaggregated revenue for our Software segment by timing of revenue recognition:
| Year Ended September 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2020 |  | 2022 |  | 2021 |  | 2020
| (Dollars in thousands)
Software recognized at a point in time (1) | $ | 75,647 |  |  | $ | 59,024 |  |  | $ | 127,666 |  |  | 13 | % |  | 11 | % |  | 22 | %
Software recognized over contract term (2) | 489,104 |  |  | 458,864 |  |  | 456,910 |  |  | 87 | % |  | 89 | % |  | 78 | %
Total on-premises and SaaS software | $ | 564,751 |  |  | $ | 517,888 |  |  | $ | 584,576 |  |  | 100 | % |  | 100 | % |  | 100 | %
(1)Includes license portion of our on-premises subscription software and perpetual license, both of which are recognized when the software is made available to the customer, or at the start of the subscription. (2)Includes maintenance portion and usage-based fees of our on-premises subscription software, maintenance revenue on perpetual licenses, as well as SaaS revenue. The following table provides information about disaggregated revenue for our Scores segment by distribution method:
| Year Ended September 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2020 |  | 2022 |  | 2021 |  | 2020
| (Dollars in thousands)
Business-to-business Scores | $ | 475,442 |  |  | $ | 446,538 |  |  | $ | 381,929 |  |  | 67 | % |  | 68 | % |  | 72 | %
Business-to-consumer Scores | 231,201 |  |  | 207,609 |  |  | 146,618 |  |  | 33 | % |  | 32 | % |  | 28 | %
Total | $ | 706,643 |  |  | $ | 654,147 |  |  | $ | 528,547 |  |  | 100 | % |  | 100 | % |  | 100 | %
Receivables | Receivables at September 30, 2022 and 2021 consisted of the following:
| September 30,
| 2022 |  | 2021
| (In thousands)
Billed | $ | 203,351 |  |  | $ | 198,305 |
Unbilled | 165,386 |  |  | 155,408 |
| 368,737 |  |  | 353,713 |
Less: allowance for doubtful accounts | (4,218) |  |  | (4,154) |
Net receivables | 364,519 |  |  | 349,559 |
Less: long-term receivables (*) | (42,109) |  |  | (37,452) |
Short-term receivables (*) | $ | 322,410 |  |  | $ | 312,107 |
(*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying consolidated balance sheets.
Accounts Receivable, Allowance for Credit Loss | Activity in the allowance for doubtful accounts was as follows:
| Year Ended September 30,
| 2022 |  | 2021
| (In thousands)
Allowance for doubtful accounts, beginning balance | $ | 4,154 |  |  | $ | 5,072 |
Add: expense | 2,300 |  |  | 652 |
Less: write-offs (net of recoveries) | (2,236) |  |  | (1,570) |
Allowance for doubtful accounts, ending balance | $ | 4,218 |  |  | $ | 4,154 |
Contract with Customer, Asset and Liability | Significant changes in the deferred revenues balances are as follows:
| Year Ended September 30,
| 2022 |  | 2021
| (In thousands)
Deferred revenues, beginning balance | $ | 110,763 |  |  | $ | 122,141 |
Revenue recognized that was included in the deferred revenues balance at the beginning of the period | (95,286) |  |  | (84,735) |
Decrease due to divestiture of the C&R business | — |  |  | (16,671) |
Increases due to billings, excluding amounts recognized as revenue during the period | 111,083 |  |  | 90,028 |
Deferred revenues, ending balance (*) | $ | 126,560 |  |  | $ | 110,763 |
(*) Deferred revenues at September 30, 2022 included current portion of $120.0 million and long-term portion of $6.6 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets. Deferred revenues at September 30, 2021 included current portion of $105.4 million and long-term portion of $5.4 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets.

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- Definition Tabular disclosure of receivable, contract asset, and contract liability from contract with customer. Includes, but is not limited to, change in contract asset and contract liability. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 606 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=123351226&loc=SL49130551-203045 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
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