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Revenue from Contract with Customer
 9 Months Ended
Jun. 30, 2024
Revenue from Contract with Customer [Abstract]  
Revenue from Contract with Customer Revenue from Contracts with Customers
Disaggregation of Revenue
The following tables provide information about disaggregated revenue by primary geographical market:

Quarter Ended June 30, 2024
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$239,319 $142,003 $381,322 85 %
Europe, Middle East and Africa1,769 44,592 46,361 10 %
Asia Pacific362 19,804 20,166 5 %
      Total$241,450 $206,399 $447,849 100 %

Quarter Ended June 30, 2023
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$199,948 $145,451 $345,399 87 %
Europe, Middle East and Africa1,486 31,267 32,753 8 %
Asia Pacific344 20,192 20,536 5 %
      Total$201,778 $196,910 $398,688 100 %

Nine Months Ended June 30, 2024
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$657,990 $405,859 $1,063,849 84 %
Europe, Middle East and Africa4,355 120,631 124,986 10 %
Asia Pacific8,102 66,780 74,882 6 %
      Total$670,447 $593,270 $1,263,717 100 %
Nine Months Ended June 30, 2023
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$570,284 $384,545 $954,829 85 %
Europe, Middle East and Africa3,988 102,458 106,446 9 %
Asia Pacific4,001 58,548 62,549 6 %
      Total$578,273 $545,551 $1,123,824 100 %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deployment method:
Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20242023202420232024202320242023
(Dollars in thousands)
On-premises software$83,775 $80,770 46 %47 %$235,944 $219,165 45 %47 %
SaaS software100,010 91,289 54 %53 %293,689 252,038 55 %53 %
Total$183,785 $172,059 100 %100 %$529,633 $471,203 100 %100 %
The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by product features:
Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20242023202420232024202320242023
(Dollars in thousands)
Platform software$51,780 $40,317 28 %23 %$144,278 $109,827 27 %23 %
Non-platform software132,005 131,742 72 %77 %385,355 361,376 73 %77 %
Total$183,785 $172,059 100 %100 %$529,633 $471,203 100 %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 June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20242023202420232024202320242023
(Dollars in thousands)
Software recognized at a point in time (1)
$24,638 $25,077 13 %15 %$58,597 $56,073 11 %12 %
Software recognized over contract term (2)
159,147 146,982 87 %85 %471,036 415,130 89 %88 %
Total$183,785 $172,059 100 %100 %$529,633 $471,203 100 %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:

Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20242023202420232024202320242023
(Dollars in thousands)
Business-to-business Scores$188,754 $148,128 78 %73 %$514,704 $417,907 77 %72 %
Business-to-consumer Scores52,696 53,650 22 %27 %155,743 160,366 23 %28 %
       Total$241,450 $201,778 100 %100 %$670,447 $578,273 100 %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 47% and 42% of our total revenues in the quarters ended June 30, 2024 and 2023, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended June 30, 2024 and 2023. Revenues collectively generated by agreements with these customers accounted for 44% and 40% of our total revenues in the nine months ended June 30, 2024 and 2023, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the nine months ended June 30, 2024 and 2023. At each of June 30, 2024 and September 30, 2023, one individual customer accounted for 10% or more of total consolidated receivables.
Contract Balances
We record a receivable when we satisfy a performance obligation prior to invoicing if only the passage of time is required before payment is due or if we have an unconditional right to consideration before we satisfy a performance obligation. We record a contract asset when we satisfy a performance obligation prior to invoicing but our right to consideration is conditional. We record deferred revenue when the payment is made or due before we satisfy a performance obligation.
Receivables at June 30, 2024 and September 30, 2023 consisted of the following: 
 June 30, 2024September 30, 2023
 (In thousands)
Billed$275,400 $234,745 
Unbilled209,909 203,896 
485,309 438,641 
Less: allowance for doubtful accounts(6,187)(4,978)
Net receivables479,122 433,663 
    Less: long-term receivables (*)(41,485)(45,716)
    Short-term receivables (*)$437,637 $387,947 
(*) 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 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:
Nine Months Ended  
June 30, 2024
(In thousands)
Deferred revenues, beginning balance (*)$143,235 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(122,567)
Increases due to billings, excluding amounts recognized as revenue during the period135,115 
Deferred revenues, ending balance (*)$155,783 
(*) Deferred revenues at June 30, 2024 included current portion of $149.3 million and long-term portion of $6.5 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets. Deferred revenues at September 30, 2023 included current portion of $136.7 million and long-term portion of $6.5 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets.
Payment terms and conditions vary by contract type, although terms generally include a requirement of payment within 30 to 60 days. In instances where the timing of revenue recognition differs from the timing of invoicing, we have determined our contracts generally do not include a significant financing component. The primary purpose of our invoicing terms is to provide customers with simplified and predictable ways of purchasing our products and services, not to provide customers with financing or to receive financing from our customers. Examples include multi-year on-premises licenses that are invoiced annually with revenue recognized upfront and invoicing at the beginning of a subscription term with revenue recognized ratably over the contract period.
Performance Obligations
Revenue allocated to remaining performance obligations represents contracted revenue that will be recognized in future periods, which is comprised of deferred revenue and amounts that will be invoiced and recognized as revenue in future periods. This does not include:
•Usage-based revenue that will be recognized in future periods from on-premises software subscriptions;
•Consumption-based variable fees from SaaS software that will be recognized in the distinct service period during which it is earned; and
•Revenue from variable considerations that will be recognized in accordance with the “right-to-invoice” practical expedient, such as fees from our professional services billed based on a time and materials basis.
Revenue allocated to remaining performance obligations was $482.9 million as of June 30, 2024, approximately 50% of which we expect to recognize over the next 15 months and the remainder thereafter. Revenue allocated to remaining performance obligations was $470.5 million as of September 30, 2023.