v3.26.1
Segment Information
 9 Months Ended
Jun. 30, 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 nine-month periods ended June 30, 2026 and 2025:
 Quarter Ended June 30, 2026
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $196,969 $196,969 
Professional services— 18,322 18,322 
Scores458,897 — 458,897 
Total segment revenues458,897 215,291 674,188 
Segment operating expense(42,011)(160,251)(202,262)
Segment operating income$416,886 $55,040 471,926 
Unallocated corporate expenses(56,967)
Unallocated share-based compensation expense(52,331)
Operating income362,628 
Unallocated interest expense, net(59,877)
Unallocated other income, net11,908 
Income before income taxes$314,659 

 Quarter Ended June 30, 2025
 ScoresSoftwareTotal
 (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)(183,762)
Segment operating income$284,711 $67,942 352,653 
Unallocated corporate expenses(48,205)
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$236,991 
 Nine Months Ended June 30, 2026
 ScoresSoftwareTotal
 (In thousands)
Segment revenues:
On-premises and SaaS software$— $584,421 $584,421 
Professional services— 54,999 54,999 
Scores1,238,404 — 1,238,404 
Total segment revenues1,238,404 639,420 1,877,824 
Segment operating expense(121,189)(463,172)(584,361)
Segment operating income$1,117,215 $176,248 1,293,463 
Unallocated corporate expenses(152,411)
Unallocated share-based compensation expense(141,910)
Operating income999,142 
Unallocated interest expense, net(146,462)
Unallocated other income, net9,939 
Income before income taxes$862,619 

 Nine Months Ended June 30, 2025
 ScoresSoftwareTotal
 (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)(529,658)
Segment operating income$753,452 $192,008 945,460 
Unallocated corporate expenses(133,478)
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 
The following table presents depreciation and amortization on property and equipment for the quarters and nine-month periods ended June 30, 2026 and 2025:
Quarter Ended June 30,Nine Months Ended June 30,
2026202520262025
(In thousands)
Depreciation and amortization:
     Scores$109 $139 $316 $382 
     Software2,171 2,730 $6,667 7,522 
          Total segment depreciation and amortization2,280 2,869 6,983 7,904 
     Unallocated corporate376 20 $951 56 
          Total depreciation and amortization$2,656 $2,889 $7,934 $7,960