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Revenue from Contract with Customer (Tables)
 6 Months Ended
Mar. 31, 2025
Revenue from Contract with Customer [Abstract]  
Disaggregation of Revenue
The following tables provide information about disaggregated revenue by primary geographical market:

Quarter Ended March 31, 2025
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$291,982 $137,020 $429,002 86 %
Europe, Middle East and Africa1,667 41,733 43,400 9 %
Asia Pacific3,390 22,943 26,333 5 %
      Total$297,039 $201,696 $498,735 100 %

Quarter Ended March 31, 2024
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$233,723 $130,294 $364,017 84 %
Europe, Middle East and Africa1,278 40,979 42,257 10 %
Asia Pacific1,884 25,651 27,535 6 %
      Total$236,885 $196,924 $433,809 100 %

Six Months Ended March 31, 2025
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$524,948 $283,929 $808,877 86 %
Europe, Middle East and Africa3,544 76,215 79,759 9 %
Asia Pacific4,222 45,845 50,067 5 %
      Total$532,714 $405,989 $938,703 100 %
Six Months Ended March 31, 2024
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$418,671 $263,856 $682,527 84 %
Europe, Middle East and Africa2,586 76,039 78,625 9 %
Asia Pacific7,740 46,976 54,716 7 %
      Total$428,997 $386,871 $815,868 100 %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deployment method:
Quarter Ended March 31,Percentage of revenuesSix Months Ended March 31,Percentage of revenues
20252024202520242025202420252024
(Dollars in thousands)
On-premises software$82,300 $79,697 45 %45 %$165,135 $152,169 45 %44 %
SaaS software101,526 97,483 55 %55 %204,702 193,679 55 %56 %
Total$183,826 $177,180 100 %100 %$369,837 $345,848 100 %100 %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by product features:
Quarter Ended March 31,Percentage of revenuesSix Months Ended March 31,Percentage of revenues
20252024202520242025202420252024
(Dollars in thousands)
Platform software$56,464 $47,325 31 %27 %$110,286 $92,498 30 %27 %
Non-platform software127,362 129,855 69 %73 %259,551 253,350 70 %73 %
Total$183,826 $177,180 100 %100 %$369,837 $345,848 100 %100 %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by timing of revenue recognition:
Quarter Ended March 31,Percentage of revenuesSix Months Ended March 31,Percentage of revenues
20252024202520242025202420252024
(Dollars in thousands)
Software recognized at a point in time (1)
$25,609 $20,177 14 %11 %$48,417 $33,959 13 %10 %
Software recognized over contract term (2)
158,217 157,003 86 %89 %321,420 311,889 87 %90 %
Total$183,826 $177,180 100 %100 %$369,837 $345,848 100 %100 %
(1)Includes license portion of our on-premises subscription software and perpetual licenses, 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 March 31,Percentage of revenuesSix Months Ended March 31,Percentage of revenues
20252024202520242025202420252024
(Dollars in thousands)
Business-to-business Scores$242,494 $185,508 82 %78 %$424,885 $325,950 80 %76 %
Business-to-consumer Scores54,545 51,377 18 %22 %107,829 103,047 20 %24 %
       Total$297,039 $236,885 100 %100 %$532,714 $428,997 100 %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 52% and 47% of our total revenues in the quarters ended March 31, 2025 and 2024, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended March 31, 2025 and 2024. Revenues collectively generated by agreements with these customers accounted for 49% and 43% of our total revenues in the six months ended March 31, 2025 and 2024, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the six months ended March 31, 2025 and 2024. At March 31, 2025 and September 30, 2024, three individual customers and one individual customer accounted for 10% or more of total consolidated receivables, respectively.
Schedule of Accounts Receivable
Receivables at March 31, 2025 and September 30, 2024 consisted of the following: 
 March 31, 2025September 30, 2024
 (In thousands)
Billed$301,667 $264,942 
Unbilled234,462 210,795 
536,129 475,737 
Less: allowance for doubtful accounts(7,506)(6,454)
Net receivables528,623 469,283 
    Less: long-term receivables (*)(36,081)(42,641)
    Short-term receivables (*)$492,542 $426,642 
(*) 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:
Six Months Ended  
March 31, 2025
(In thousands)
Deferred revenues, beginning balance (*)$160,209 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(115,568)
Increases due to billings, excluding amounts recognized as revenue during the period130,404 
Deferred revenues, ending balance (*)$175,045 
(*) Deferred revenues at March 31, 2025 included current portion of $171.8 million and long-term portion of $3.2 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed 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 condensed consolidated balance sheets.