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Segment Information (Tables)

12 Months Ended

Sep. 30, 2020

Schedule of Segment Reporting Information, by Segment

The following tables summarize segment information for fiscal 2020, 2019 and 2018:



	Year Ended September 30, 2020
	Applications			Scores			Decision Management Software			Unallocated Corporate Expenses			Total
	(In thousands)
Segment revenues:
Transactional and maintenance	$	393,994		$	517,024		$	62,915		$	—		$	973,933
Professional services	136,677			1,600			44,763			—			183,040
License	71,375			9,923			56,291			—			137,589
Total segment revenues	602,046			528,547			163,969			—			1,294,562
Segment operating expense	(448,505		)	(74,237		)	(187,444		)	(144,704		)	(854,890		)
Segment operating income (loss)	$	153,541		$	454,310		$	(23,475	)	$	(144,704	)	$	439,672
Unallocated share-based compensation expense													(93,681		)
Unallocated amortization expense													(4,993		)
Unallocated restructuring and impairment charges													(45,029		)
Operating income													295,969
Unallocated interest expense, net													(42,177		)
Unallocated other income, net													3,208
Income before income taxes													$	257,000
Depreciation expense	$	18,021		$	617		$	4,397		$	418		$	23,453



	Year Ended September 30, 2019
	Applications			Scores			Decision Management Software			Unallocated Corporate Expenses			Total
	(In thousands)
Segment revenues:
Transactional and maintenance	$	395,398		$	415,288		$	50,262		$	—		$	860,948
Professional services	137,258			2,157			44,680			—			184,095
License	72,378			3,732			38,930			—			115,040
Total segment revenues	605,034			421,177			133,872			—			1,160,083
Segment operating expense	(443,872		)	(59,821		)	(168,988		)	(144,755		)	(817,436		)
Segment operating income (loss)	$	161,162		$	361,356		$	(35,116	)	$	(144,755	)	342,647
Unallocated share-based compensation expense													(82,973		)
Unallocated amortization expense													(6,126		)
Operating income													253,548
Unallocated interest expense, net													(39,752		)
Unallocated other income, net													2,276
Income before income taxes													$	216,072
Depreciation expense	$	18,766		$	498		$	4,036		$	904		$	24,204



	Year Ended September 30, 2018
	Applications			Scores			Decision Management Software			Unallocated Corporate Expenses			Total
	(In thousands)
Segment revenues:
Transactional and maintenance	$	372,283		$	331,662		$	46,658		$	—		$	750,603
Professional services	142,736			1,900			32,274			—			176,910
License	49,356			2,308			20,969			—			72,633
Total segment revenues	564,375			335,870			99,901			—			1,000,146
Segment operating expense	(420,411		)	(63,452		)	(134,261		)	(125,255		)	(743,379		)
Segment operating income (loss)	$	143,964		$	272,418		$	(34,360	)	$	(125,255	)	256,767
Unallocated share-based compensation expense													(74,814		)
Unallocated amortization expense													(6,594		)
Operating income													175,359
Unallocated interest expense, net													(31,311		)
Unallocated other income, net													12,884
Income before income taxes													$	156,932
Depreciation expense	$	15,651		$	555		$	5,471		$	956		$	22,633

Disaggregation of Revenue

Information about disaggregated revenue by product deployment methods was as follows:



	Year Ended September 30, 2020
Reportable Segments	On-Premises		SaaS		Scores		Total		Percentage
	(Dollars in thousands)
Applications	$	340,702	$	261,344	$	—	$	602,046	46	%
Scores	—		—		528,547		528,547		41	%
Decision Management Software	125,269		38,700		—		163,969		13	%
Total	$	465,971	$	300,044	$	528,547	$	1,294,562	100	%



	Year Ended September 30, 2019
Reportable Segments	On-Premises		SaaS		Scores		Total		Percentage
	(Dollars in thousands)
Applications	$	360,105	$	244,929	$	—	$	605,034	52	%
Scores	—		—		421,177		421,177		36	%
Decision Management Software	108,447		25,425		—		133,872		12	%
Total	$	468,552	$	270,354	$	421,177	$	1,160,083	100	%



	Year Ended September 30, 2018
Reportable Segments	On-Premises		SaaS		Scores		Total		Percentage
	(Dollars in thousands)
Applications	$	337,162	$	227,213	$	—	$	564,375	56	%
Scores	—		—		335,870		335,870		34	%
Decision Management Software	86,172		13,729		—		99,901		10	%
Total	$	423,334	$	240,942	$	335,870	$	1,000,146	100	%

Information about disaggregated revenue by primary geographical markets was as follows:



	Year Ended September 30, 2020
Reportable Segments	North America		Latin America		Europe, Middle East and Africa		Asia Pacific		Total
	(In thousands)
Applications	$	331,290	$	40,047	$	157,793	$	72,916	$	602,046
Scores	511,333		3,576		6,385		7,253		528,547
Decision Management Software	87,305		18,674		39,406		18,584		163,969
Total	$	929,928	$	62,297	$	203,584	$	98,753	$	1,294,562



	Year Ended September 30, 2019
Reportable Segments	North America		Latin America		Europe, Middle East and Africa		Asia Pacific		Total
	(In thousands)
Applications	$	338,990	$	42,656	$	155,539	$	67,849	$	605,034
Scores	404,778		4,591		6,359		5,449		421,177
Decision Management Software	63,397		18,040		33,288		19,147		133,872
Total	$	807,165	$	65,287	$	195,186	$	92,445	$	1,160,083



	Year Ended September 30, 2018
Reportable Segments	North America		Latin America		Europe, Middle East and Africa		Asia Pacific		Total
	(In thousands)
Applications	$	318,836	$	39,136	$	141,358	$	65,045	$	564,375
Scores	328,990		1,366		3,989		1,525		335,870
Decision Management Software	53,184		5,035		24,245		17,437		99,901
Total	$	701,010	$	45,537	$	169,592	$	84,007	$	1,000,146

Revenues and Percentage of Revenues by Customers

Revenue generated from a single customer or a group of customers which represented 10% or greater of total revenue are summarized below for fiscal 2020, 2019 and 2018:



	Year Ended September 30,
	2020				2019				2018
	(Dollars in thousands)
Experian	$	181,036	14	%	$	148,037	13	%	$	109,097	11	%
TransUnion and Equifax	239,166		18	%	183,523		16	%	142,179		14	%
Other customers	874,360		68	%	828,523		71	%	748,870		75	%
Total	$	1,294,562	100	%	$	1,160,083	100	%	$	1,000,146	100	%

Property and Equipment Net on Geographical Basis

Our property and equipment, net, on a geographical basis are summarized below at September 30, 2020 and 2019:



	September 30,
	2020				2019
	(Dollars in thousands)
United States	$	29,375	63	%	$	38,058	72	%
United Kingdom	8,776		19	%	7,801		15	%
Other countries	8,268		18	%	7,168		13	%
Total	$	46,419	100	%	$	53,027	100	%