v3.25.2
Segment Information
 9 Months Ended
Jun. 30, 2025
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 and segment operating income. Segment operating expenses consist of direct and indirect costs principally related to personnel, facilities, IT infrastructure, consulting, travel and depreciation. 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 nine-month periods ended June 30, 2025 and 2024:
 Quarter Ended June 30, 2025
 ScoresSoftwareUnallocated
Corporate
Expenses		Total
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $187,915 $— $187,915 
Professional services— 24,191 — 24,191 
Scores324,309 — — 324,309 
Total segment revenues324,309 212,106 — 536,415 
Segment operating expense(39,598)(144,164)(48,205)(231,967)
Segment operating income$284,711 $67,942 $(48,205)304,448 
Unallocated share-based compensation expense(41,930)
Operating income262,518 
Unallocated interest expense, net(32,899)
Unallocated other income, net7,372 
Income before income taxes$236,991 
Depreciation and amortization$139 $2,730 $20 $2,889 
 Quarter Ended June 30, 2024
 ScoresSoftwareUnallocated
Corporate
Expenses		Total
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $183,785 $— $183,785 
Professional services— 22,614 — 22,614 
Scores241,450 — — 241,450 
Total segment revenues241,450 206,399 — 447,849 
Segment operating expense(28,461)(136,059)(50,368)(214,888)
Segment operating income$212,989 $70,340 $(50,368)232,961 
Unallocated share-based compensation expense(42,435)
Unallocated amortization expense(275)
Operating income190,251 
Unallocated interest expense, net(26,868)
Unallocated other income, net3,935 
Income before income taxes$167,318 
Depreciation and amortization$129 $2,553 $18 $2,700 

 Nine Months Ended June 30, 2025
 ScoresSoftwareUnallocated
Corporate
Expenses		Total
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $557,752 $— $557,752 
Professional services— 60,343 — 60,343 
Scores857,023 — — 857,023 
Total segment revenues857,023 618,095 — 1,475,118 
Segment operating expense(103,571)(426,087)(133,478)(663,136)
Segment operating income$753,452 $192,008 $(133,478)811,982 
Unallocated share-based compensation expense(124,288)
Operating income687,694 
Unallocated interest expense, net(93,765)
Unallocated other income, net6,207 
Income before income taxes$600,136 
Depreciation and amortization$382 $7,522 $56 $7,960 
 Nine Months Ended June 30, 2024
 ScoresSoftwareUnallocated
Corporate
Expenses		Total
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $529,633 $— $529,633 
Professional services— 63,637 — 63,637 
Scores670,447 — — 670,447 
Total segment revenues670,447 593,270 — 1,263,717 
Segment operating expense(76,596)(403,646)(136,742)(616,984)
Segment operating income$593,851 $189,624 $(136,742)646,733 
Unallocated share-based compensation expense(109,457)
Unallocated amortization expense(825)
Operating income536,451 
Unallocated interest expense, net(77,123)
Unallocated other income, net11,314 
Income before income taxes$470,642 
Depreciation and amortization$317 $6,250 $46 $6,613