XML 61 R39.htm IDEA: XBRL DOCUMENT
v3.25.3

Revenue from Contracts with Customers (Tables) | 12 Months Ended
--- | ---
Sep. 30, 2025
Revenue from Contract with Customer [Abstract] |
Schedule of Disaggregation of Revenue | The following tables provide information about disaggregated revenue by primary geographical market:
| Year Ended September 30, 2025
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 1,154,470 |  |  | $ | 577,915 |  |  | $ | 1,732,385 |  |  | 87 | %
Europe, Middle East and Africa | 6,984 |  |  | 152,819 |  |  | 159,803 |  |  | 8 | %
Asia Pacific | 7,121 |  |  | 91,560 |  |  | 98,681 |  |  | 5 | %
Total | $ | 1,168,575 |  |  | $ | 822,294 |  |  | $ | 1,990,869 |  |  | 100 | %
| Year Ended September 30, 2024
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 905,266 |  |  | $ | 544,622 |  |  | $ | 1,449,888 |  |  | 84 | %
Europe, Middle East and Africa | 5,908 |  |  | 163,618 |  |  | 169,526 |  |  | 10 | %
Asia Pacific | 8,476 |  |  | 89,636 |  |  | 98,112 |  |  | 6 | %
Total | $ | 919,650 |  |  | $ | 797,876 |  |  | $ | 1,717,526 |  |  | 100 | %
| Year Ended September 30, 2023
| Scores |  | Software |  | Total |  | Percentage
| (Dollars in thousands)
Americas | $ | 763,874 |  |  | $ | 523,076 |  |  | $ | 1,286,950 |  |  | 85 | %
Europe, Middle East and Africa | 5,802 |  |  | 135,562 |  |  | 141,364 |  |  | 9 | %
Asia Pacific | 4,152 |  |  | 81,091 |  |  | 85,243 |  |  | 6 | %
Total | $ | 773,828 |  |  | $ | 739,729 |  |  | $ | 1,513,557 |  |  | 100 | %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deployment method:
| Year Ended September 30, |  | Percentage of revenues
| 2025 |  | 2024 |  | 2023 |  | 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
On-premises software | $ | 320,425 |  |  | $ | 313,632 |  |  | $ | 292,763 |  |  | 43 | % |  | 44 | % |  | 46 | %
SaaS software | 419,720 |  |  | 397,708 |  |  | 347,419 |  |  | 57 | % |  | 56 | % |  | 54 | %
Total | $ | 740,145 |  |  | $ | 711,340 |  |  | $ | 640,182 |  |  | 100 | % |  | 100 | % |  | 100 | %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by product features:
| Year Ended September 30, |  | Percentage of revenues
| 2025 |  | 2024 |  | 2023 |  | 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
Platform software | $ | 237,056 |  |  | $ | 200,004 |  |  | $ | 154,750 |  |  | 32 | % |  | 28 | % |  | 24 | %
Non-platform software | 503,089 |  |  | 511,336 |  |  | 485,432 |  |  | 68 | % |  | 72 | % |  | 76 | %
Total | $ | 740,145 |  |  | $ | 711,340 |  |  | $ | 640,182 |  |  | 100 | % |  | 100 | % |  | 100 | %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by timing of revenue recognition:
| Year Ended September 30, |  | Percentage of revenues
| 2025 |  | 2024 |  | 2023 |  | 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
Software recognized at a point in time (1) | $ | 90,238 |  |  | $ | 76,284 |  |  | $ | 72,843 |  |  | 12 | % |  | 11 | % |  | 11 | %
Software recognized over contract term (2) | 649,907 |  |  | 635,056 |  |  | 567,339 |  |  | 88 | % |  | 89 | % |  | 89 | %
Total | $ | 740,145 |  |  | $ | 711,340 |  |  | $ | 640,182 |  |  | 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
| 2025 |  | 2024 |  | 2023 |  | 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
Business-to-business Scores | $ | 948,595 |  |  | $ | 711,843 |  |  | $ | 560,995 |  |  | 81 | % |  | 77 | % |  | 72 | %
Business-to-consumer Scores | 219,980 |  |  | 207,807 |  |  | 212,833 |  |  | 19 | % |  | 23 | % |  | 28 | %
Total | $ | 1,168,575 |  |  | $ | 919,650 |  |  | $ | 773,828 |  |  | 100 | % |  | 100 | % |  | 100 | %
Schedule of Accounts Receivable | Receivables at September 30, 2025 and 2024 consisted of the following:
| September 30,
| 2025 |  | 2024
| (In thousands)
Billed | $ | 327,721 |  |  | $ | 264,942 |
Unbilled | 246,600 |  |  | 210,795 |
| 574,321 |  |  | 475,737 |
Less: allowance for doubtful accounts | (7,964) |  |  | (6,454) |
Net receivables | 566,357 |  |  | 469,283 |
Less: long-term receivables (*) | (37,209) |  |  | (42,641) |
Short-term receivables (*) | $ | 529,148 |  |  | $ | 426,642 |
(*) 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,
| 2025 |  | 2024
| (In thousands)
Allowance for doubtful accounts, beginning balance | $ | 6,454 |  |  | $ | 4,978 |
Add: expense | 1,485 |  |  | 1,675 |
Less: write-offs (net of recoveries) | 25 |  |  | (199) |
Allowance for doubtful accounts, ending balance | $ | 7,964 |  |  | $ | 6,454 |
Schedule of Rollforward of Deferred Revenues | 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:
| Year Ended September 30,
| 2025 |  | 2024
| (In thousands)
Deferred revenues, beginning balance | $ | 160,209 |  |  | $ | 143,235 |
Revenue recognized that was included in the deferred revenues balance at the beginning of the period | (151,859) |  |  | (133,554) |
Increases due to billings, excluding amounts recognized as revenue during the period | 180,888 |  |  | 150,528 |
Deferred revenues, ending balance (*) | $ | 189,238 |  |  | $ | 160,209 |
(*) Deferred revenues at September 30, 2025 included current portion of $187.4 million and long-term portion of $1.8 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets. Deferred revenues at September 30, 2024 included current portion of $156.9 million and long-term portion of $3.3 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets.

X
- Definition Tabular disclosure of allowance for credit loss on accounts receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AccountsReceivableAllowanceForCreditLossTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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 -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 + Details
Name: | us-gaap_ContractWithCustomerAssetAndLiabilityTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-5 + Details
Name: | us-gaap_DisaggregationOfRevenueTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_RevenueFromContractWithCustomerAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- 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 -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration