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Segment Information
 6 Months Ended
Mar. 31, 2026
Segment Reporting [Abstract]  
Segment Information Segment Information
We are organized into two reportable segments: Scores and Software. Although we sell solutions and services to a large number of end user product and industry markets, our reportable business segments reflect the primary method in which management organizes and evaluates internal financial information to make operating decisions and assess performance.
•Scores. This segment includes our business-to-business (“B2B”) scoring solutions and services which give our clients access to predictive credit and other scores that can be easily integrated into their transaction streams and decision-making processes. This segment also includes our business-to-consumer (“B2C”) scoring solutions, including our myFICO.com subscription offerings.
•Software. This segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process — such as account origination, customer management, customer engagement, fraud detection, and marketing — as well as associated professional services. This segment also includes FICO® Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by our customers to address a wide variety of business use cases. These offerings are available to our customers as SaaS or as on-premises software.
Our chief operating decision maker (“CODM”), who is our Chief Executive Officer, evaluates segment financial performance based on segment revenues, segment operating expenses in total and segment operating income. Segment operating expenses consist of direct and indirect costs principally related to personnel, facilities, IT infrastructure, depreciation and amortization, consulting and travel. Indirect costs are allocated to the segments generally based on relative segment revenues, fixed rates established by management based upon estimated expense contribution levels and other assumptions that management considers reasonable. We do not allocate broad-based incentive expense, share-based compensation expense, restructuring and acquisition-related expense, amortization expense, various corporate charges and certain other income and expense measures to our segments. These income and expense items are not allocated because they are not considered in evaluating the segment’s operating performance. Our CODM does not evaluate the financial performance of each segment based on its respective assets or capital expenditures; rather, depreciation and amortization amounts are allocated to the segments from their internal cost centers as described above.
The following tables summarize segment information for the quarters and six-month periods ended March 31, 2026 and 2025:
 Quarter Ended March 31, 2026
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $199,231 $199,231 
Professional services— 17,473 17,473 
Scores474,973 — 474,973 
Total segment revenues474,973 216,704 691,677 
Segment operating expense(42,497)(154,110)(196,607)
Segment operating income$432,476 $62,594 495,070 
Unallocated corporate expenses(47,295)
Unallocated share-based compensation expense(45,310)
Operating income402,465 
Unallocated interest expense, net(44,579)
Unallocated other expense, net(1,857)
Income before income taxes$356,029 
 Quarter Ended March 31, 2025
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $183,826 $183,826 
Professional services— 17,870 17,870 
Scores297,039 — 297,039 
Total segment revenues297,039 201,696 498,735 
Segment operating expense(32,069)(138,372)(170,441)
Segment operating income$264,970 $63,324 328,294 
Unallocated corporate expenses(40,942)
Unallocated share-based compensation expense(41,704)
Operating income245,648 
Unallocated interest expense, net(31,378)
Unallocated other expense, net(1,254)
Income before income taxes$213,016 

 Six Months Ended March 31, 2026
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $387,452 $387,452 
Professional services— 36,677 36,677 
Scores779,507 — 779,507 
Total segment revenues779,507 424,129 1,203,636 
Segment operating expense(79,178)(302,921)(382,099)
Segment operating income$700,329 $121,208 821,537 
Unallocated corporate expenses(95,444)
Unallocated share-based compensation expense(89,579)
Operating income636,514 
Unallocated interest expense, net(86,585)
Unallocated other expense, net(1,969)
Income before income taxes$547,960 
 Six Months Ended March 31, 2025
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $369,837 $369,837 
Professional services— 36,152 36,152 
Scores532,714 — 532,714 
Total segment revenues532,714 405,989 938,703 
Segment operating expense(63,973)(281,923)(345,896)
Segment operating income$468,741 $124,066 592,807 
Unallocated corporate expenses(85,273)
Unallocated share-based compensation expense(82,358)
Operating income425,176 
Unallocated interest expense, net(60,866)
Unallocated other expense, net(1,165)
Income before income taxes$363,145 
The following table presents depreciation and amortization on property and equipment for the quarters and six-month periods ended March 31, 2026 and 2025:
Quarter Ended March 31,Six Months Ended March 31,
2026202520262025
(In thousands)
Depreciation and amortization:
     Scores$99 $118 $207 $243 
     Software2,198 2,340 $4,496 4,792 
          Total segment depreciation and amortization2,297 2,458 4,703 5,035 
     Unallocated corporate289 18 $575 36 
          Total depreciation and amortization$2,586 $2,476 $5,278 $5,071