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Segment Information | 12 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Segment Information | Segment Information We are organized into two reportable segments: Scores and Software. Although we sell solutions and services into a large number of end user product and industry markets, our reportable business segments reflect the primary method in which management organizes and evaluates internal financial information to make operating decisions and assess performance. •Scores. This segment includes our business-to-business (“B2B”) scoring solutions and services which give our clients access to predictive credit and other scores that can be easily integrated into their transaction streams and decision-making processes. This segment also includes our business-to-consumer (“B2C”) scoring solutions, including our myFICO.com subscription offerings. •Software. This segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process — such as account origination, customer management, customer engagement, fraud detection, and marketing — as well as associated professional services. This segment also includes FICO® Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by our customers to address a wide variety of business use cases. These offerings are available to our customers as SaaS or as on-premises software. Our chief operating decision maker (“CODM”), who is our Chief Executive Officer, evaluates segment financial performance based on segment revenues, segment operating expenses in total and segment operating income. Segment operating expenses consist of direct and indirect costs principally related to personnel, facilities, IT infrastructure, depreciation and amortization, consulting and travel. Indirect costs are allocated to the segments generally based on relative segment revenues, fixed rates established by management based upon estimated expense contribution levels and other assumptions that management considers reasonable. We do not allocate broad-based incentive expense, share-based compensation expense, restructuring and acquisition-related expense, amortization expense, various corporate charges and certain other income and expense measures to our segments. These income and expense items are not allocated because they are not considered in evaluating the segment’s operating performance. Our CODM does not evaluate the financial performance of each segment based on its respective assets or capital expenditures; rather, depreciation and amortization amounts are allocated to the segments from their internal cost centers as described above. The following tables summarize segment information for fiscal 2025, 2024 and 2023:
| Year Ended September 30, 2025
| Scores |  | Software |  | Total
| (In thousands)
Segment revenues: |  |  |  |  |
On-premises and SaaS software | $ | — |  |  | $ | 740,145 |  |  | $ | 740,145 |
Professional services | — |  |  | 82,149 |  |  | 82,149 |
Scores | 1,168,575 |  |  | — |  |  | 1,168,575 |
Total segment revenues | 1,168,575 |  |  | 822,294 |  |  | 1,990,869 |
Segment operating expense | (142,332) |  |  | (574,600) |  |  | (716,932) |
Segment operating income | $ | 1,026,243 |  |  | $ | 247,694 |  |  | $ | 1,273,937 |
Unallocated corporate expenses |  |  |  |  | (181,498) |
Unallocated share-based compensation expense |  |  |  |  | (156,667) |
Unallocated restructuring charges |  |  |  |  | (10,922) |
Operating income |  |  |  |  | 924,850 |
Unallocated interest expense, net |  |  |  |  | (133,647) |
Unallocated other income, net |  |  |  |  | 11,392 |
Income before income taxes |  |  |  |  | $ | 802,595 |
| Year Ended September 30, 2024
| Scores |  | Software |  | Total
| (In thousands)
Segment revenues: |  |  |  |  |
On-premises and SaaS software | $ | — |  |  | $ | 711,340 |  |  | $ | 711,340 |
Professional services | — |  |  | 86,536 |  |  | 86,536 |
Scores | 919,650 |  |  | — |  |  | 919,650 |
Total segment revenues | 919,650 |  |  | 797,876 |  |  | 1,717,526 |
Segment operating expense | (106,296) |  |  | (540,347) |  |  | (646,643) |
Segment operating income | $ | 813,354 |  |  | $ | 257,529 |  |  | 1,070,883 |
Unallocated corporate expenses |  |  |  |  | (186,898) |
Unallocated share-based compensation expense |  |  |  |  | (149,439) |
Unallocated amortization expense |  |  |  |  | (917) |
Operating income |  |  |  |  | 733,629 |
Unallocated interest expense, net |  |  |  |  | (105,638) |
Unallocated other income, net |  |  |  |  | 14,034 |
Income before income taxes |  |  |  |  | $ | 642,025 |
| Year Ended September 30, 2023
| Scores |  | Software |  | Total
| (In thousands)
Segment revenues: |  |  |  |  |
On-premises and SaaS software | $ | — |  |  | $ | 640,182 |  |  | $ | 640,182 |
Professional services | — |  |  | 99,547 |  |  | 99,547 |
Scores | 773,828 |  |  | — |  |  | 773,828 |
Total segment revenues | 773,828 |  |  | 739,729 |  |  | 1,513,557 |
Segment operating expense | (92,757) |  |  | (498,538) |  |  | (591,295) |
Segment operating income | $ | 681,071 |  |  | $ | 241,191 |  |  | 922,262 |
Unallocated corporate expenses |  |  |  |  | (156,426) |
Unallocated share-based compensation expense |  |  |  |  | (123,847) |
Unallocated amortization expense |  |  |  |  | (1,100) |
Unallocated gain on product line asset sale |  |  |  |  | 1,941 |
Operating income |  |  |  |  | 642,830 |
Unallocated interest expense, net |  |  |  |  | (95,546) |
Unallocated other income, net |  |  |  |  | 6,340 |
Income before income taxes |  |  |  |  | $ | 553,624 |
The following table presents depreciation and amortization on property and equipment for fiscal 2025, 2024 and 2023:
| Year Ended September 30,
| 2025 |  | 2024 |  | 2023
| (In thousands)
Depreciation and amortization: |  |  |  |  |
Scores | $ | 512 |  |  | $ | 451 |  |  | $ | 485 |
Software | 10,071 |  |  | 8,881 |  |  | 9,550 |
Total segment depreciation and amortization | 10,583 |  |  | 9,332 |  |  | 10,035 |
Unallocated corporate | 75 |  |  | 66 |  |  | 71 |
Total depreciation and amortization | $ | 10,658 |  |  | $ | 9,398 |  |  | $ | 10,106 |
Long-lived assets held outside of the U.S. were immaterial at September 30, 2025 and 2024.

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name 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