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Revenue from Contracts with Customers
 6 Months Ended
Mar. 31, 2026
Revenue from Contract with Customer [Abstract]  
Revenue from Contracts with Customers Revenue from Contracts with Customers
Disaggregation of Revenue
The following tables provide information about disaggregated revenue by primary geographical market:

Quarter Ended March 31, 2026
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas (*)
$470,973 $151,113 $622,086 90 %
Europe, Middle East and Africa2,568 44,821 47,389 7 %
Asia Pacific1,432 20,770 22,202 3 %
      Total$474,973 $216,704 $691,677 100 %
(*) Americas revenue included U.S. revenue of $565.9 million for the quarter ended March 31, 2026.

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 %
(*) Americas revenue included U.S. revenue of $383.5 million for the quarter ended March 31, 2025.

Six Months Ended March 31, 2026
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas (*)
$773,221 $302,078 $1,075,299 89 %
Europe, Middle East and Africa4,209 82,120 86,329 7 %
Asia Pacific2,077 39,931 42,008 4 %
      Total$779,507 $424,129 $1,203,636 100 %
(*) Americas revenue included U.S. revenue of $967.8 million for the six months ended March 31, 2026.

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 %
(*) Americas revenue included U.S. revenue of $714.5 million for the six months ended March 31, 2025.
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
20262025202620252026202520262025
(Dollars in thousands)
On-premises software$78,604 $82,300 39 %45 %$151,163 $165,135 39 %45 %
SaaS software120,627 101,526 61 %55 %236,289 204,702 61 %55 %
Total$199,231 $183,826 100 %100 %$387,452 $369,837 100 %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
20262025202620252026202520262025
(Dollars in thousands)
Platform software$86,963 $56,464 44 %31 %$160,820 $110,286 42 %30 %
Non-platform software112,268 127,362 56 %69 %226,632 259,551 58 %70 %
Total$199,231 $183,826 100 %100 %$387,452 $369,837 100 %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
20262025202620252026202520262025
(Dollars in thousands)
Software recognized at a point in time (1)
$23,639 $25,609 12 %14 %$40,069 $48,417 10 %13 %
Software recognized over contract term (2)
175,592 158,217 88 %86 %347,383 321,420 90 %87 %
Total$199,231 $183,826 100 %100 %$387,452 $369,837 100 %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
20262025202620252026202520262025
(Dollars in thousands)
Business-to-business Scores$417,629 $242,494 88 %82 %$666,242 $424,885 85 %80 %
Business-to-consumer Scores57,344 54,545 12 %18 %113,265 107,829 15 %20 %
       Total$474,973 $297,039 100 %100 %$779,507 $532,714 100 %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 64% and 52% of our total revenues in the quarters ended March 31, 2026 and 2025, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended March 31, 2026 and 2025. Revenues collectively generated by agreements with these customers accounted for 58% and 49% of our total revenues in the six months ended March 31, 2026 and 2025, 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, 2026 and 2025. At March 31, 2026 and September 30, 2025, three and two customers, respectively, 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 March 31, 2026 and September 30, 2025 consisted of the following: 
 March 31, 2026September 30, 2025
 (In thousands)
Billed$355,327 $327,721 
Unbilled300,794 246,600 
656,121 574,321 
Less: allowance for doubtful accounts(7,720)(7,964)
Net receivables648,401 566,357 
    Less: long-term receivables (*)
(28,444)(37,209)
    Short-term receivables (*)
$619,957 $529,148 
(*) 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:
Six Months Ended  
March 31, 2026
(In thousands)
Deferred revenues, beginning balance (*)
$189,238 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(136,409)
Increases due to billings, excluding amounts recognized as revenue during the period132,196 
Deferred revenues, ending balance (*)
$185,025 
(*) Deferred revenues at March 31, 2026 included current portion of $183.2 million and long-term portion of $1.8 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets. 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 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 $717.7 million as of March 31, 2026, approximately 50% of which we expect to recognize over the next 14 months and the remainder thereafter. Revenue allocated to remaining performance obligations was $655.7 million as of September 30, 2025.