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Revenue from Contract with Customer (Tables) | 9 Months Ended
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Jun. 30, 2022
Revenue from Contract with Customer [Abstract] |
Disaggregation of Revenue | The following tables provide information about disaggregated revenue by primary geographical market:
| Quarter Ended June 30, 2022
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 177,892 |  |  | $ | 115,331 |  |  | $ | 293,223 |  |  | 84 | %
Europe, Middle East and Africa | 1,051 |  |  | 36,324 |  |  | 37,375 |  |  | 11 | %
Asia Pacific | 412 |  |  | 17,956 |  |  | 18,368 |  |  | 5 | %
Total | $ | 179,355 |  |  | $ | 169,611 |  |  | $ | 348,966 |  |  | 100 | %
| Quarter Ended June 30, 2021
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 165,539 |  |  | $ | 103,627 |  |  | $ | 269,166 |  |  | 80 | %
Europe, Middle East and Africa | 2,988 |  |  | 44,881 |  |  | 47,869 |  |  | 14 | %
Asia Pacific | 3,675 |  |  | 17,474 |  |  | 21,149 |  |  | 6 | %
Total | $ | 172,202 |  |  | $ | 165,982 |  |  | $ | 338,184 |  |  | 100 | %
| Nine Months Ended June 30, 2022
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 518,695 |  |  | $ | 319,180 |  |  | $ | 837,875 |  |  | 81 | %
Europe, Middle East and Africa | 3,796 |  |  | 107,850 |  |  | 111,646 |  |  | 11 | %
Asia Pacific | 10,093 |  |  | 68,908 |  |  | 79,001 |  |  | 8 | %
Total | $ | 532,584 |  |  | $ | 495,938 |  |  | $ | 1,028,522 |  |  | 100 | %
| Nine Months Ended June 30, 2021
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 468,039 |  |  | $ | 311,323 |  |  | $ | 779,362 |  |  | 79 | %
Europe, Middle East and Africa | 10,343 |  |  | 132,749 |  |  | 143,092 |  |  | 15 | %
Asia Pacific | 7,190 |  |  | 52,315 |  |  | 59,505 |  |  | 6 | %
Total | $ | 485,572 |  |  | $ | 496,387 |  |  | $ | 981,959 |  |  | 100 | %
The following table provides information about disaggregated revenue for our Software segment by deployment method:
| Quarter Ended June 30, |  | Percentage of revenues |  | Nine Months Ended June 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021
| (Dollars in thousands)
On-premises software | $ | 70,689 |  |  | $ | 63,536 |  |  | 50 | % |  | 49 | % |  | $ | 205,943 |  |  | $ | 193,449 |  |  | 49 | % |  | 51 | %
SaaS software | 71,848 |  |  | 66,694 |  |  | 50 | % |  | 51 | % |  | 212,020 |  |  | 188,787 |  |  | 51 | % |  | 49 | %
Total on-premises and SaaS software | $ | 142,537 |  |  | $ | 130,230 |  |  | 100 | % |  | 100 | % |  | $ | 417,963 |  |  | $ | 382,236 |  |  | 100 | % |  | 100 | %
The following table provides information about disaggregated revenue for our Software segment by product features:
| Quarter Ended June 30, |  | Percentage of revenues |  | Nine Months Ended June 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021
| (Dollars in thousands)
Platform software (*) | $ | 27,806 |  |  | $ | 14,178 |  |  | 20 | % |  | 11 | % |  | $ | 89,680 |  |  | $ | 43,615 |  |  | 21 | % |  | 11 | %
Non-platform software | 114,731 |  |  | 116,052 |  |  | 80 | % |  | 89 | % |  | 328,283 |  |  | 338,621 |  |  | 79 | % |  | 89 | %
Total on-premises and SaaS software | $ | 142,537 |  |  | $ | 130,230 |  |  | 100 | % |  | 100 | % |  | $ | 417,963 |  |  | $ | 382,236 |  |  | 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:
| Quarter Ended June 30, |  | Percentage of revenues |  | Nine Months Ended June 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021
| (Dollars in thousands)
Software recognized at a point in time (1) | $ | 19,869 |  |  | $ | 12,566 |  |  | 14 | % |  | 10 | % |  | $ | 53,568 |  |  | $ | 37,304 |  |  | 13 | % |  | 10 | %
Software recognized over contract term (2) | 122,668 |  |  | 117,664 |  |  | 86 | % |  | 90 | % |  | 364,395 |  |  | 344,932 |  |  | 87 | % |  | 90 | %
Total on-premises and SaaS software | $ | 142,537 |  |  | $ | 130,230 |  |  | 100 | % |  | 100 | % |  | $ | 417,963 |  |  | $ | 382,236 |  |  | 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:
| Quarter Ended June 30, |  | Percentage of revenues |  | Nine Months Ended June 30, |  | Percentage of revenues
| 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021
| (Dollars in thousands)
Business-to-business Scores | $ | 119,010 |  |  | $ | 115,862 |  |  | 66 | % |  | 67 | % |  | $ | 357,221 |  |  | $ | 335,325 |  |  | 67 | % |  | 69 | %
Business-to-consumer Scores | 60,345 |  |  | 56,340 |  |  | 34 | % |  | 33 | % |  | 175,363 |  |  | 150,247 |  |  | 33 | % |  | 31 | %
Total | $ | 179,355 |  |  | $ | 172,202 |  |  | 100 | % |  | 100 | % |  | $ | 532,584 |  |  | $ | 485,572 |  |  | 100 | % |  | 100 | %
We derive a substantial portion of revenues from our contracts with the three major consumer reporting agencies, TransUnion, Equifax and Experian. Revenues collectively generated by agreements with these customers accounted for 41% and 38% of our total revenues in the quarters ended June 30, 2022 and 2021, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended June 30, 2022 and 2021. Revenues collectively generated by agreements with these customers accounted for 39% and 37% of our total revenues in the nine months ended June 30, 2022 and 2021, respectively, with two and three consumer reporting agencies each contributing more than 10% of our total revenues in the nine months ended June 30, 2022 and 2021, respectively.
Schedule of Accounts, Notes, Loans and Financing Receivable | Receivables at June 30, 2022 and September 30, 2021 consisted of the following:
| June 30, 2022 |  | September 30, 2021
| (In thousands)
Billed | $ | 162,007 |  |  | $ | 198,305 |
Unbilled | 171,954 |  |  | 155,408 |
| 333,961 |  |  | 353,713 |
Less: allowance for doubtful accounts | (4,012) |  |  | (4,154) |
Net receivables | 329,949 |  |  | 349,559 |
Less: long-term receivables (*) | (43,608) |  |  | (37,452) |
Short-term receivables (*) | $ | 286,341 |  |  | $ | 312,107 |
(*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying condensed consolidated balance sheets.
Deferred Revenue, by Arrangement, Disclosure | Deferred revenue primarily relates to our maintenance and SaaS contracts billed annually in advance and generally recognized ratably over the term of the service period. Significant changes in the deferred revenues balances are as follows:
|  | Nine Months Ended June 30,
|  | 2022 |  | 2021
Deferred revenues, beginning balance (*) |  | $ | 110,763 |  |  | $ | 122,141 |
Revenue recognized that was included in the deferred revenues balance at the beginning of the period |  | (85,377) |  |  | (78,551) |
Increases due to billings, excluding amounts recognized as revenue during the period |  | 79,516 |  |  | 78,658 |
Reclassified as liabilities related to assets held for sale |  | — |  |  | (16,671) |
Deferred revenues, ending balance (*) |  | $ | 104,902 |  |  | $ | 105,577 |
(*) Deferred revenues at June 30, 2022 included current portion of $98.5 million and long-term portion of $6.4 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed 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 condensed consolidated balance sheets.

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