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Revenue from Contracts with Customers (Tables)
 12 Months Ended
Sep. 30, 2022
Revenue from Contract with Customer [Abstract]  
Disaggregation of Revenue
The following tables provide information about disaggregated revenue by primary geographical market:

Year Ended September 30, 2022
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$691,006 $439,705 $1,130,711 82 %
Europe, Middle East and Africa4,475 142,824 147,299 11 %
Asia Pacific11,162 88,098 99,260 7 %
      Total$706,643 $670,627 $1,377,270 100 %

Year Ended September 30, 2021
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$633,497 $416,436 $1,049,933 80 %
Europe, Middle East and Africa11,881 178,515 190,396 14 %
Asia Pacific8,769 67,438 76,207 6 %
      Total$654,147 $662,389 $1,316,536 100 %

Year Ended September 30, 2020
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$514,909 $477,316 $992,225 76 %
Europe, Middle East and Africa6,385 197,199 203,584 16 %
Asia Pacific7,253 91,500 98,753 8 %
      Total$528,547 $766,015 $1,294,562 100 %
The following table provides information about disaggregated revenue for our Software segment by deployment method:
Year Ended September 30,Percentage of revenues
202220212020202220212020
(Dollars in thousands)
On-premises software$280,649 $266,452 $347,532 50 %51 %59 %
SaaS software284,102 251,436 237,044 50 %49 %41 %
Total on-premises and SaaS software$564,751 $517,888 $584,576 100 %100 %100 %
The following table provides information about disaggregated revenue for our Software segment by product features:
Year Ended September 30,Percentage of revenues
202220212020202220212020
(Dollars in thousands)
Platform software (*)
$116,252 $66,884 $65,665 21 %13 %11 %
Non-Platform software448,499 451,004 518,911 79 %87 %89 %
Total on-premises and SaaS software$564,751 $517,888 $584,576 100 %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:
Year Ended September 30,Percentage of revenues
202220212020202220212020
(Dollars in thousands)
Software recognized at a point in time (1)
$75,647 $59,024 $127,666 13 %11 %22 %
Software recognized over contract term (2)
489,104 458,864 456,910 87 %89 %78 %
Total on-premises and SaaS software$564,751 $517,888 $584,576 100 %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
202220212020202220212020
(Dollars in thousands)
Business-to-business Scores$475,442 $446,538 $381,929 67 %68 %72 %
Business-to-consumer Scores231,201 207,609 146,618 33 %32 %28 %
     Total$706,643 $654,147 $528,547 100 %100 %100 %
Receivables
Receivables at September 30, 2022 and 2021 consisted of the following: 
 September 30,
 20222021
 (In thousands)
Billed$203,351 $198,305 
Unbilled165,386 155,408 
368,737 353,713 
Less: allowance for doubtful accounts(4,218)(4,154)
Net receivables364,519 349,559 
    Less: long-term receivables (*)
(42,109)(37,452)
    Short-term receivables (*)
$322,410 $312,107 
(*) 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,
 20222021
 (In thousands)
Allowance for doubtful accounts, beginning balance$4,154 $5,072 
Add: expense2,300 652 
Less: write-offs (net of recoveries)(2,236)(1,570)
Allowance for doubtful accounts, ending balance$4,218 $4,154 
Contract with Customer, Asset and Liability Significant changes in the deferred revenues balances are as follows:
Year Ended September 30,
20222021
(In thousands)
Deferred revenues, beginning balance$110,763 $122,141 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(95,286)(84,735)
Decrease due to divestiture of the C&R business— (16,671)
Increases due to billings, excluding amounts recognized as revenue during the period111,083 90,028 
Deferred revenues, ending balance (*)
$126,560 $110,763 
(*) Deferred revenues at September 30, 2022 included current portion of $120.0 million and long-term portion of $6.6 million that were recorded in deferred revenue and other liabilities, respectively, within the 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 consolidated balance sheets.