Fair Isaac (FICO) 10-K 6 Nov 24 2024 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Sep. 30, 2024	Oct. 24, 2024	Mar. 31, 2024
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	1-11689
Entity Registrant Name	Fair Isaac Corp
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	94-1499887
Entity Address, Address Line One	5 West Mendenhall, Suite 105
Entity Address, City or Town	Bozeman,
Entity Address, State or Province	MT
Entity Address, Postal Zip Code	59715
City Area Code	406
Local Phone Number	-7276
Title of 12(b) Security	Common Stock, $0.01 par value per share
Trading Symbol	FICO
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 24,649,255,443
Entity Common Stock, Shares Outstanding		24,347,903
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Central Index Key	0000814547
Current Fiscal Year End Date	--09-30
Documents Incorporated by Reference	Portions of the Registrant’s definitive proxy statement relating to its 2025 Annual Meeting of Stockholders (“2025 Proxy Statement”) are incorporated by reference into Part III of this Annual Report on Form 10-K where indicated. The 2025 Proxy Statement will be filed with the U.S. Securities and Exchange Commission within 120 days after the end of the fiscal year to which this report relates.
Document Financial Statement Error Correction [Flag]	false

Audit Information

Audit Information	12 Months Ended
	Sep. 30, 2024
Audit Information [Abstract]
Auditor Name	Deloitte & Touche LLP
Auditor Location	San Diego, CA
Auditor Firm ID	34

Contingencies

Contingencies	12 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingencies	ContingenciesWe are in disputes with certain customers regarding amounts owed in connection with the sale of certain of our products and services. We also have had claims asserted by former employees relating to compensation and other employment matters. We are also involved in various other claims and legal actions arising in the ordinary course of business. We record litigation accruals for legal matters which are both probable and estimable. For legal proceedings for which there is a reasonable possibility of loss (meaning those losses for which the likelihood is more than remote but less than probable), we have determined we do not have

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Current assets:
Cash and cash equivalents	$ 150,667	$ 136,778
Accounts receivable, net	426,642	387,947
Prepaid expenses and other current assets	40,104	31,723
Total current assets	617,413	556,448
Marketable Securities, Noncurrent	45,289	33,014
Property and equipment, net	38,465	10,966
Operating lease, right-of-use asset	29,580	25,703
Goodwill	782,752	773,327
Intangible assets, net	0	917
Deferred Income Taxes and Other Assets, Current	86,513	59,136
Other assets	117,872	115,770
Total assets	1,717,884	1,575,281
Current liabilities:
Accounts payable	22,473	19,009
Accrued compensation and employee benefits	106,103	102,471
Other accrued liabilities	79,812	59,478
Deferred revenue	156,897	136,730
Current maturities on debt	15,000	50,000
Total current liabilities	380,285	367,688
Long-term debt	2,194,021	1,811,658
Operating lease liabilities, Non-current	21,963	23,903
Other Liabilities, Noncurrent	84,294	60,022
Total liabilities	2,680,563	2,263,271
Commitments and contingencies
Stockholders’ deficit:
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)	0	0
Common Stock, Value, Outstanding	244	248
Additional paid-in-capital	$ 1,366,572	$ 1,350,713
Treasury Stock, Common, Shares	64,465,000	64,087,000
Treasury stock, at cost	$ (6,138,736)	$ (5,324,865)
Retained earnings	3,900,870	3,388,059
Accumulated other comprehensive loss	(91,629)	(102,145)
Total stockholders’ deficit	(962,679)	(687,990)
Total liabilities and stockholders’ deficit	$ 1,717,884	$ 1,575,281
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2024	Sep. 30, 2023
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	88,857,000	88,857,000
Common stock, shares outstanding (in shares)	24,392,000	24,770,000
Treasury Stock, Common, Shares	64,465,000	64,087,000

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenues:
Revenue	$ 1,717,526	$ 1,513,557	$ 1,377,270
Operating expenses:
Cost of revenues	348,206	311,053	302,174
Research and development	171,940	159,950	146,758
Selling, general and administrative	462,834	400,565	383,863
Amortization of intangible assets	917	1,100	2,061
Gain on product line asset sale	0	(1,941)	0
Total operating expenses	983,897	870,727	834,856
Operating income	733,629	642,830	542,414
Interest expense, net	(105,638)	(95,546)	(68,967)
Other income (expense), net	14,034	6,340	(2,138)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	642,025	553,624	471,309
Provision for income taxes	129,214	124,249	97,768
Net income	512,811	429,375	373,541
Other comprehensive income (loss):
Foreign currency translation adjustments	10,516	22,557	(48,848)
Comprehensive income	$ 523,327	$ 451,932	$ 324,693
Basic earnings per share (in dollars per share)	$ 20.78	$ 17.18	$ 14.34
Shares used in computing basic earnings per share (in shares)	24,676	24,986	26,042
Diluted earnings per share (in dollars per share)	$ 20.45	$ 16.93	$ 14.18
Shares used in computing diluted earnings per share (in shares)	25,079	25,367	26,347
Operating Segments
Revenues:
Revenue	$ 1,717,526	$ 1,513,557	$ 1,377,270
Operating expenses:
Total operating expenses	833,541	747,721	717,440
Operating income	883,985	765,836	659,830
On-premises and SaaS software
Revenues:
Revenue	711,340	640,182	564,751
On-premises and SaaS software | Operating Segments
Revenues:
Revenue	711,340	640,182	564,751
Professional services
Revenues:
Revenue	86,536	99,547	105,876
Professional services | Operating Segments
Revenues:
Revenue	86,536	99,547	105,876
Scores Products
Revenues:
Revenue	919,650	773,828	706,643
Scores Products | Operating Segments
Revenues:
Revenue	$ 919,650	$ 773,828	$ 706,643

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in-Capital	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Loss
Beginning Balance (in shares) at Sep. 30, 2021		27,568
Beginning Balance at Sep. 30, 2021	$ (110,942)	$ 276	$ 1,237,348	$ (3,857,855)	$ 2,585,143	$ (75,854)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation	115,355		115,355
Issuance of treasury stock under employee stock plans (in shares)		264
Issuance of treasury stock under employee stock plans	(34,916)	$ 3	(53,115)	18,196
Repurchases of common stock (in shares)		(2,678)
Repurchases of common stock	(1,096,137)	$ (27)		(1,096,110)
Net income	373,541				373,541
Foreign currency translation adjustments	(48,848)					(48,848)
Ending Balance (in shares) at Sep. 30, 2022		25,154
Ending Balance at Sep. 30, 2022	(801,947)	$ 252	1,299,588	(4,935,769)	2,958,684	(124,702)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation	123,847		123,847
Issuance of treasury stock under employee stock plans (in shares)		231
Issuance of treasury stock under employee stock plans	(54,475)	$ 2	(72,722)	18,245
Repurchases of common stock (in shares)		(615)
Repurchases of common stock	(407,347)	$ (6)		(407,341)
Net income	429,375				429,375
Foreign currency translation adjustments	22,557					22,557
Ending Balance (in shares) at Sep. 30, 2023		24,770
Ending Balance at Sep. 30, 2023	(687,990)	$ 248	1,350,713	(5,324,865)	3,388,059	(102,145)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation	149,439		149,439
Issuance of treasury stock under employee stock plans (in shares)		228
Issuance of treasury stock under employee stock plans	(114,183)	$ 2	(133,580)	19,395
Repurchases of common stock (in shares)		(606)
Repurchases of common stock	(833,272)	$ (6)		(833,266)
Net income	512,811				512,811
Foreign currency translation adjustments	10,516					10,516
Ending Balance (in shares) at Sep. 30, 2024		24,392
Ending Balance at Sep. 30, 2024	$ (962,679)	$ 244	$ 1,366,572	$ (6,138,736)	$ 3,900,870	$ (91,629)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities:
Net income	$ 512,811	$ 429,375	$ 373,541
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	13,827	14,638	20,465
Share-based compensation	149,439	123,847	115,355
Deferred income taxes	(27,330)	(47,378)	7,816
Non-cash operating lease costs	12,423	14,708	15,922
Provision of doubtful accounts	1,675	1,475	2,800
Net (gain) loss on marketable securities	(9,834)	(2,908)	9,269
Net loss on sales and abandonment of property and equipment	438	547	193
Gain on product line asset sale	0	(1,941)	0
Changes in operating assets and liabilities:
Accounts receivable	(34,144)	(70,117)	(31,557)
Prepaid expenses and other assets	(14,034)	(11,904)	7,368
Accounts payable	3,316	2,236	(2,802)
Accrued compensation and employee benefits	3,195	4,631	(3,637)
Other liabilities	7,216	(7,057)	(28,830)
Deferred revenue	13,966	18,763	23,547
Net cash provided by operating activities	632,964	468,915	509,450
Cash flows from investing activities:
Purchases of property and equipment	(8,884)	(4,237)	(6,029)
Capitalized internal-use software costs	(16,667)	0	0
Proceeds from sales of marketable securities	15,930	5,032	8,063
Purchases of marketable securities	(18,372)	(10,623)	(9,963)
Cash transferred, net of proceeds, from product line asset sale and business divestiture	0	(6,126)	2,258
Net cash used in investing activities	(27,993)	(15,954)	(5,671)
Cash flows from financing activities:
Proceeds from revolving line of credit and term loans	947,000	407,000	1,039,000
Payments on revolving line of credit and term loans	(602,000)	(402,000)	(988,250)
Proceeds from issuance of senior notes	0	0	550,000
Payments on debt issuance costs	(706)	0	(8,819)
Payments on finance leases	(1,333)	0	0
Proceeds from issuance of treasury stock under employee stock plans	25,006	22,198	16,026
Taxes paid related to net share settlement of equity awards	(139,188)	(76,673)	(50,942)
Repurchases of common stock	(821,702)	(405,526)	(1,104,180)
Net cash used in financing activities	(592,923)	(455,001)	(547,165)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	1,841	5,616	(18,766)
Increase (decrease) in cash and cash equivalents	13,889	3,576	(62,152)
Cash and cash equivalents, beginning of year	136,778	133,202	195,354
Cash and cash equivalents, end of year	150,667	136,778	133,202
Supplemental disclosures of cash flow information:
Cash paid for income taxes, refunds	859	640	1,090
Income Taxes Paid, Net	133,716	152,775	65,332
Cash paid for interest	106,388	96,877	57,208
Supplemental disclosures of non-cash investing and financing activities:
Unsettled repurchases of common stock	13,391	1,821	0
Purchase of property and equipment included in accounts payable	62	106	22
Finance lease obligation incurred	$ 11,740	$ 0	$ 0

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Statement of Cash Flows [Abstract]
Cash paid for income taxes, refunds	$ 859	$ 640	$ 1,090

Nature of Business and Summary

Nature of Business and Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Nature of Business and Summary of Significant Accounting Policies	Nature of Business and Summary of Significant Accounting Policies Fair Isaac Corporation Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” or “FICO”) is a leading applied analytics company. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today, FICO’s software and the widely used FICO ® Score operationalize analytics, enabling thousands of businesses in more than 80 countries to uncover new opportunities, make timely decisions that matter, and execute them at scale. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunications providers, automotive lenders, consumer reporting agencies, public agencies, and organizations in other industries. We also serve consumers through online services that enable people to access and understand their FICO Scores — the standard measure in the United States (“U.S.”) of consumer credit risk — empowering them to increase financial literacy and manage their financial health. Principles of Consolidation and Basis of Presentation The consolidated financial statements include the accounts of FICO and its subsidiaries. All intercompany accounts and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to current year presentation. Use of Estimates We make estimates and assumptions that affect the amounts reported in the financial statements and the disclosures made in the accompanying notes. For example, we use estimates in determining the appropriate levels of various accruals; variable considerations included in the transaction price and standalone selling price of each performance obligation for our customer contracts; labor hours in connection with fixed-fee service contracts; the amount of our tax provision; and the realizability of deferred tax assets. We also use estimates in determining the remaining economic lives and carrying values of acquired intangible assets, property and equipment, and other long-lived assets. In addition, we use assumptions to estimate the fair value of reporting units and share-based compensation. Actual results may differ from our estimates. Cash and Cash Equivalents Cash and cash equivalents consist of cash in banks and investments with an original maturity of 90 days or less at time of purchase. Fair Value of Financial Instruments The fair value of certain of our financial instruments, including cash and cash equivalents, receivables, other current assets, accounts payable, accrued compensation and employee benefits, other accrued liabilities and amounts outstanding under our revolving line of credit and term loans, approximate their carrying amounts because of the short-term maturity of these instruments. The fair values of our cash and cash equivalents and marketable securities investments are disclosed in Note 4. The fair value of our derivative instruments is disclosed in Note 5. The fair value of our senior notes is disclosed in Note 8. Investments We categorize our investments in debt and equity instruments as trading, available-for-sale or held-to-maturity at the time of purchase. Trading securities are carried at fair value with unrealized gains or losses included in other income (expense). Available-for-sale securities are carried at fair value measurements using quoted prices in active markets for identical assets or liabilities with unrealized gains or losses included in accumulated other comprehensive income (loss). Held-to-maturity securities are carried at amortized cost. Dividends and interest income are accrued as earned. Realized gains and losses are determined on a specific identification basis and are included in other income (expense). We review marketable securities for impairment whenever circumstances and situations change such that there is an indication that the carrying amounts may not be recovered. We did not classify any securities as held-to-maturity or available-for-sale during each of the three years ended September 30, 2024, 2023 and 2022. Investments with remaining maturities over one year are classified as long-term investments. Concentration of Risk Financial instruments that potentially expose us to concentrations of risk consist primarily of cash and cash equivalents, marketable securities and accounts receivable, which are generally not collateralized. Our policy is to place our cash, cash equivalents, and marketable securities with high quality financial institutions, commercial corporations and government agencies in order to limit the amount of credit exposure. We have established guidelines relative to diversification and maturities for maintaining safety and liquidity. We generally do not require collateral from our customers, but our credit extension and collection policies include analyzing the financial condition of potential customers, establishing credit limits, monitoring payments, and aggressively pursuing delinquent accounts. We maintain allowances for potential credit losses. A significant portion of our revenues are derived from the sales of products and services to the financial services industries. Property and Equipment Property and equipment are recorded at cost less accumulated depreciation and amortization. Major renewals and improvements are capitalized, while repair and maintenance costs are expensed as incurred. Depreciation and amortization charges are calculated using the straight-line method over the following estimated useful lives: Estimated Useful Life Data processing equipment and purchased software 3 years to 6 years Internal-use software 4 years Office furniture and equipment 3 years to 7 years Leasehold improvements Shorter of estimated The cost and accumulated depreciation and amortization for property and equipment sold, retired or otherwise disposed of are removed from the applicable accounts, and resulting gains or losses are recorded in our consolidated statements of income and comprehensive income. Depreciation and amortization on property and equipment totaled $9.4 million, $10.1 million and $15.2 million during fiscal 2024, 2023 and 2022, respectively. Internal-Use Software Costs incurred to develop internal-use software during the application development stage are capitalized and reported at cost. Application development stage costs generally include costs associated with internal-use software configuration, coding, installation and testing. Costs of significant upgrades and enhancements that result in additional functionality are also capitalized whereas costs incurred for maintenance and minor upgrades and enhancements are expensed as incurred. Amortization of capitalized costs are recorded within cost of revenues in our consolidated statements of income and comprehensive income. Capitalized Software and Research and Development Costs Software development costs relating to products to be sold in the normal course of business are expensed as incurred as research and development costs until technological feasibility is established. Technological feasibility for our products occurs approximately concurrently with the general release of our products; accordingly, we have not capitalized any development or production costs. Costs we incur to maintain and support our products are expensed in the period they are incurred and included in cost of revenues in our consolidated statements of income and comprehensive income. Goodwill and Other Long-Lived Assets Goodwill represents the excess of cost over the fair value of identifiable assets acquired and liabilities assumed in business combinations. We assess goodwill for impairment for each of our reporting units on an annual basis during our fourth fiscal quarter using a July 1 measurement date unless circumstances require a more frequent measurement. We have determined that our reporting units are the same as our reportable segments. When evaluating goodwill for impairment, we may first perform an assessment qualitatively whether it is more likely than not that a reporting unit's carrying amount exceeds its fair value, referred to as a “step zero” approach. If, based on the review of the qualitative factors, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, we would bypass the two-step impairment test. Events and circumstances we consider in performing the “step zero” qualitative assessment include macro-economic conditions, market and industry conditions, internal cost factors, share price fluctuations, and the operational stability and overall financial performance of the reporting units. If we conclude that it is more likely than not that a reporting unit's fair value is less than its carrying amount, we would perform the first step (“step one”) of the two-step impairment test and calculate the estimated fair value of the reporting unit by using discounted cash flow valuation models and by comparing our reporting units to guideline publicly-traded companies. These methods require estimates of our future revenues, profits, capital expenditures, working capital, and other relevant factors, as well as selecting appropriate guideline publicly-traded companies for each reporting unit. We estimate these amounts by evaluating historical trends, current budgets, operating plans, industry data, and other relevant factors. Alternatively, we may bypass the qualitative assessment described above for any reporting unit in any period and proceed directly to performing step one of the goodwill impairment test. For fiscal 2024, 2023 and 2022, we performed a step zero qualitative analysis for our annual assessment of goodwill impairment. After evaluating and weighing all relevant events and circumstances, we concluded that it is not more likely than not that the fair value of either of our reporting units was less than their carrying amounts. Consequently, we did not perform a step one quantitative analysis and determined goodwill was not impaired for either of our reporting units for fiscal 2024, 2023 and 2022. Our other long-lived assets are assessed for potential impairment when there is evidence that events and circumstances related to our financial performance and economic environment indicate the carrying amount of the assets may not be recoverable. When impairment indicators are identified, we test for impairment using undiscounted cash flows. If such tests indicate impairment, then we measure and record the impairment as the difference between the carrying value of the asset and the fair value of the asset. We did not recognize any impairment charges on other long-lived assets in fiscal 2024, 2023 and 2022. Revenue Recognition Revenue is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration to which we expect to be entitled to in exchange for those goods or services. See Note 9 for further discussion on revenues. Income Taxes We estimate our income taxes based on the various jurisdictions where we conduct business, which involves significant judgment in determining our income tax provision. We estimate our current tax liability using currently enacted tax rates and laws and assess temporary differences that result from differing treatments of certain items for tax and accounting purposes. These differences result in deferred tax assets and liabilities recorded on our consolidated balance sheets using the currently enacted tax rates and laws that will apply to taxable income for the years in which those tax assets are expected to be realized or settled. We then assess the likelihood our deferred tax assets will be realized and to the extent we believe realization is not more likely than not, we establish a valuation allowance. When we establish a valuation allowance or increase this allowance in an accounting period, we record a corresponding income tax expense in our consolidated statements of income and comprehensive income. In assessing the need for the valuation allowance, we consider future taxable income in the jurisdictions we operate; our ability to carry back tax attributes to prior years; an analysis of our deferred tax assets and the periods over which they will be realizable; and ongoing prudent and feasible tax planning strategies. An increase in the valuation allowance would have an adverse impact, which could be material, on our income tax provision and net income in the period in which we record the increase. We recognize and measure benefits for uncertain tax positions using a two-step approach. The first step is to evaluate the tax position taken or expected to be taken in a tax return by determining if the technical merits of the tax position indicate it is more likely than not that the tax position will be sustained upon audit, including resolution of any related appeals or litigation processes. For tax positions more likely than not of being sustained upon audit, the second step is to measure the tax benefit as the largest amount more than 50% likely of being realized upon settlement. Significant judgment is required to evaluate uncertain tax positions and they are evaluated on a quarterly basis. Our evaluations are based upon a number of factors, including changes in facts or circumstances, changes in tax law, correspondence with tax authorities during the course of audits and effective settlement of audit issues. Changes in the recognition or measurement of uncertain tax positions could result in material increases or decreases in our income tax expense in the period in which we make the change, which could have a material impact on our effective tax rate and operating results. Earnings per Share Basic earnings per share are computed on the basis of the weighted-average number of common shares outstanding during the period under measurement. Diluted earnings per share are based on the weighted-average number of common shares outstanding and potential common shares. Potential common shares result from the assumed exercise of outstanding stock options or other potentially dilutive equity instruments, when they are dilutive under the treasury stock method. Comprehensive Income Comprehensive income is the change in our equity (net assets) during each period from transactions and other events and circumstances from non-owner sources. It includes net income and foreign currency translation adjustments. Foreign Currency and Derivative Financial Instruments We have determined that the functional currency of each foreign operation is the local currency. Assets and liabilities denominated in their local foreign currencies are translated into U.S. dollars at the exchange rate on the balance sheet date. Revenues and expenses are translated at average rates of exchange prevailing during the period. Foreign currency translation adjustments are accumulated as a separate component of consolidated stockholders’ deficit. We utilize derivative instruments to manage market risks associated with fluctuations in certain foreign currency exchange rates as they relate to specific balances of accounts receivable and cash denominated in foreign currencies. We principally utilize foreign currency forward contracts to protect against market risks arising in the normal course of business. Our policies prohibit the use of derivative instruments for the sole purpose of trading for profit on price fluctuations or to enter into contracts that intentionally increase our underlying exposure. All of our foreign currency forward contracts have maturity periods of less than three months. At the end of the reporting period, foreign-currency-denominated assets and liabilities are remeasured into the functional currencies of the reporting entities at current market rates. The change in value from this remeasurement is reported as a foreign exchange gain or loss for that period in other income (expense), net in the accompanying consolidated statements of income and comprehensive income. We recorded transactional foreign exchange gains (losses) of $(0.6) million, $(2.6) million and $1.9 million during fiscal 2024, 2023 and 2022, respectively. Share-Based Compensation We measure share-based compensation cost at the grant date based on the fair value of the award and recognize it as expense, net of estimated forfeitures, over the vesting or service period, as applicable, of the stock award (generally three Advertising and Promotion Costs Advertising and promotion costs are expensed as incurred and are included in selling, general and administrative expenses in the accompanying consolidated statements of income and comprehensive income. Advertising and promotion costs totaled $12.3 million, $9.8 million and $8.1 million in fiscal 2024, 2023 and 2022, respectively. New Accounting Pronouncements Recent Accounting Pronouncements Adopted In October 2021, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2021-08, “ Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers ” (“ASU 2021-08”). ASU 2021-08 requires an acquirer in a business combination to recognize and measure contract assets and contract liabilities from acquired contracts using the revenue recognition guidance under Accounting Standards Codification Topic 606, Revenue from Contracts with Customers , in order to align the recognition of a contract liability with the definition of a performance obligation. We adopted ASU 2021-08 in the first quarter of fiscal 2024 and the adoption did not have a significant impact on our consolidated financial statements. Recent Accounting Pronouncements Not Yet Adopted In November 2023, the FASB issued ASU No. 2023-07, “ Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures ” (“ASU 2023-07”). ASU 2023-07 expands annual and interim disclosure requirements for reportable segments, primarily through enhanced disclosures about significant segment expenses. The standard is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, which means that it will be effective for our annual periods beginning October 1, 2024, and our interim periods beginning October 1, 2025. Early adoption is permitted. We are currently evaluating the impact that the updated standard will have on our disclosures within our consolidated financial statements. In December 2023, the FASB issued ASU No. 2023-09, “ Income Taxes (Topic 740): Improvements to Income Tax Disclosures ” (“ASU 2023-09”). ASU 2023-09 requires disaggregated information about a reporting entity’s effective tax rate reconciliation as well as disaggregated information on income tax paid. The standard is effective for fiscal years beginning after December 15, 2024, which means that it will be effective for our fiscal years beginning October 1, 2025. Early adoption is permitted. We are currently evaluating the impact that the updated standard will have on our disclosures within our consolidated financial statements. We do not expect that any other recently issued accounting pronouncements will have a significant effect on our consolidated financial statements.

Business Divestiture

Business Divestiture	12 Months Ended
	Sep. 30, 2024
Discontinued Operations and Disposal Groups [Abstract]
Business Divestiture	2. Product Line Asset Sale During fiscal 2023, we sold certain assets related to our Siron compliance business within our Software segment and recorded a gain of $1.9 million.

Cash, Cash Equivalents and Mark

Cash, Cash Equivalents and Marketable Securities	12 Months Ended
	Sep. 30, 2024
Cash and Cash Equivalents [Abstract]
Cash, Cash Equivalents and Marketable Securities	Cash, Cash Equivalents and Marketable Securities The following is a summary of cash, cash equivalents and marketable securities at September 30, 2024 and 2023: September 30, 2024 September 30, 2023 Amortized Fair Value Amortized Fair Value (In thousands) Cash and Cash Equivalents: Cash $ 142,768 $ 142,768 $ 113,157 $ 113,157 Money market funds 731 731 23,621 23,621 Bank time deposits 7,168 7,168 — — Total $ 150,667 $ 150,667 $ 136,778 $ 136,778 Marketable Securities: Marketable securities $ 36,044 $ 45,289 $ 31,100 $ 33,014 The assets included in marketable securities represent long-term marketable equity securities held under a supplemental retirement and savings plan for certain officers and senior management employees, which are distributed upon termination or retirement of the employees. These investments are treated as trading securities and recorded at fair value.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements Fair value is defined as the price that would be received from the sale of an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance establishes a three-level hierarchy for disclosure that is based on the extent and level of judgment used to estimate the fair value of assets and liabilities. • Level 1 — uses unadjusted quoted prices that are available in active markets for identical assets or liabilities. Our Level 1 assets were comprised of money market funds and certain marketable securities and our Level 1 liabilities included senior notes as of September 30, 2024 and 2023. • Level 2 — uses inputs other than quoted prices included in Level 1 that are either directly or indirectly observable through correlation with market data. These include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and inputs to valuation models or other pricing methodologies that do not require significant judgment because the inputs used in the model, such as interest rates and volatility, can be corroborated by readily observable market data. We did not have any assets or liabilities that are valued using inputs identified under a Level 2 hierarchy as of September 30, 2024 and 2023. • Level 3 — uses one or more significant inputs that are unobservable and supported by little or no market activity, and that reflect the use of significant management judgment. Level 3 assets and liabilities include those whose fair value measurements are determined using pricing models, discounted cash flow methodologies or similar valuation techniques, and significant management judgment or estimation. We did not have any assets or liabilities that are valued using inputs identified under a Level 3 hierarchy as of September 30, 2024 and 2023. The following tables represent financial assets that we measured at fair value on a recurring basis at September 30, 2024 and 2023: September 30, 2024 Active Markets for Fair Value as of September 30, 2024 (In thousands) Assets: Cash equivalents (1) $ 7,899 $ 7,899 Marketable securities (2) 45,289 45,289 Total $ 53,188 $ 53,188 September 30, 2023 Active Markets for Fair Value as of September 30, 2023 (In thousands) Assets: Cash equivalents (1) $ 23,621 $ 23,621 Marketable securities (2) 33,014 33,014 Total $ 56,635 $ 56,635 (1) Included in cash and cash equivalents on our consolidated balance sheets at September 30, 2024 and 2023. Not included in these tables are cash deposits of $142.8 million and $113.2 million at September 30, 2024 and 2023, respectively. (2) Represents securities held under a supplemental retirement and savings plan for certain officers and senior management employees, which are distributed upon termination or retirement of the employees. Included in marketable securities on our consolidated balance sheets at September 30, 2024 and 2023. See Note 8 for the fair value of our senior notes. There were no transfers between Level 1, Level 2, and Level 3 of the fair value hierarchy during the years ended September 30, 2024, 2023 or 2022.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments We use derivative instruments to manage risks caused by fluctuations in foreign exchange rates. The primary objective of our derivative instruments is to protect the value of foreign-currency-denominated receivable and cash balances from the effects of volatility in foreign exchange rates that might occur prior to conversion to their functional currencies. We principally utilize foreign currency forward contracts, which enable us to buy and sell foreign currencies in the future at fixed exchange rates and economically offset changes in foreign exchange rates. We routinely enter into contracts to offset exposures denominated in the British pound, Euro and Singapore dollar. Foreign-currency-denominated receivable and cash balances are remeasured at foreign exchange rates in effect on the balance sheet date with the effects of changes in foreign exchange rates reported in other income (expense), net. The forward contracts are not designated as hedges and are marked to market through other income (expense), net. Fair value changes in the forward contracts help mitigate the changes in the value of the remeasured receivable and cash balances attributable to changes in foreign exchange rates. The forward contracts are short-term in nature and typically have average maturities at inception of less than three months. The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2024 and 2023: September 30, 2024 Contract Amount Fair Value Foreign USD USD (In thousands) Sell foreign currency: Euro (EUR) EUR 13,000 $ 14,531 — Buy foreign currency: British pound (GBP) GBP 12,237 $ 16,400 — Singapore dollar (SGD) SGD 7,404 $ 5,800 — September 30, 2023 Contract Amount Fair Value Foreign USD USD (In thousands) Sell foreign currency: Euro (EUR) EUR 12,900 $ 13,621 — Buy foreign currency: British pound (GBP) GBP 10,700 $ 13,100 — Singapore dollar (SGD) SGD 8,569 $ 6,300 — The foreign currency forward contracts were entered into on September 30, 2024 and 2023; therefore, their fair value was $0 at each of these dates. Gains (losses) on derivative financial instruments were recorded in our consolidated statements of income and comprehensive income as a component of other income (expense), net, and consisted of the following: Year Ended September 30, 2024 2023 2022 (In thousands) Gain (loss) on foreign currency forward contracts $ 1,580 $ 1,625 $ (2,748)

Goodwill

Goodwill	12 Months Ended
	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill Disclosure	Goodwill The following table summarizes changes to goodwill during fiscal 2024 and 2023, both in total and as allocated to our segments. As of September 30, 2024, there was no accumulated goodwill impairment loss. Scores Software Total (In thousands) Balance at September 30, 2022 $ 146,648 $ 614,419 $ 761,067 Foreign currency translation adjustment — 12,260 12,260 Balance at September 30, 2023 146,648 626,679 773,327 Foreign currency translation adjustment — 9,425 9,425 Balance at September 30, 2024 $ 146,648 $ 636,104 $ 782,752

Composition of Certain Financia

Composition of Certain Financial Statement Captions	12 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Composition of Certain Financial Statement Captions	Composition of Certain Financial Statement Captions The following table presents the composition of property and equipment, net and other accrued liabilities at September 30, 2024 and 2023: September 30, 2024 2023 (In thousands) Property and equipment, net: Data processing equipment and purchased software $ 74,084 $ 69,928 Internal-use software 16,510 — Office furniture and equipment 9,473 12,296 Leasehold improvements 15,851 16,743 Less: accumulated depreciation and amortization (77,453) (88,001) Total $ 38,465 $ 10,966 Other accrued liabilities: Interest payable $ 21,663 $ 20,770 Other 58,149 38,708 Total $ 79,812 $ 59,478

Debt

Debt	12 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Debt Disclosure	Debt The following table represents our debt at carrying value at September 30, 2024 and September 30, 2023: September 30, September 30, (In thousands) Current maturities on debt: Revolving line of credit $ — $ 35,000 The $300 Million Term Loan 15,000 15,000 Current maturities on debt 15,000 50,000 Long-term debt: Revolving line of credit 210,000 265,000 The $300 Million Term Loan 243,750 258,750 The $450 Million Term Loan 450,000 — The 2018 Senior Notes 400,000 400,000 The 2019 Senior Notes and the 2021 Senior Notes 900,000 900,000 Less: debt issuance costs (9,729) (12,092) Long-term debt 2,194,021 1,811,658 Total debt $ 2,209,021 $ 1,861,658 Revolving Line of Credit and Term Loans We have a $600 million unsecured revolving line of credit and a $300 million unsecured term loan (the “$300 Million Term Loan”) with a syndicate of banks that mature on August 19, 2026. Borrowings under the revolving line of credit and the $300 Million Term Loan can be used for working capital and general corporate purposes and may also be used for the refinancing of existing debt, acquisitions, and the repurchase of our common stock. The $300 Million Term Loan requires principal payments in consecutive quarterly installments of $3.75 million on the last business day of each quarter. Interest rates on amounts borrowed under the revolving line of credit and the $300 Million Term Loan are based on (i) an adjusted base rate, which is the greatest of (a) the prime rate, (b) the Federal Funds rate plus 0.5%, and (c) one-month adjusted term Secured Overnight Financing Rate (“SOFR”) plus 1%, plus, in each case, an applicable margin, or (ii) an adjusted term SOFR plus an applicable margin (or, if such rate is no longer available, a successor benchmark rate determined in accordance with the terms of the credit agreement) . Adjusted term SOFR is defined as term SOFR for the relevant interest period plus a SOFR adjustment of 0.10% per annum. The applicable margin for base rate borrowings and for SOFR borrowings is determined based on our consolidated leverage ratio. The applicable margin for base rate borrowings ranges from 0% to 0.75% per annum and for SOFR borrowings ranges from 1% to 1.75% per annum. In addition, we must pay certain credit facility fees. The revolving line of credit and the $300 Million Term Loan contain certain restrictive covenants including a maximum consolidated leverage ratio of 3.5 to 1.0, subject to a step up to 4.0 to 1.0 following certain permitted acquisitions and subject to certain conditions, and a minimum interest coverage ratio of 3.0 to 1.0. The credit agreement also contains other covenants typical of unsecured credit facilities. On June 13, 2024, we amended our credit agreement to provide for the issuance of a new $450 million unsecured term loan (the “$450 Million Term Loan”) with a syndicate of banks, increasing the total capacity of the credit agreement to $1.35 billion. The $450 Million Term Loan is subject to the same interest rate provisions and covenants as the revolving line of credit and the $300 Million Term Loan, and matures on August 19, 2026. We have no obligation to make scheduled principal payments on the $450 Million Term Loan prior to the maturity date, but may prepay the $450 Million Term Loan, without premium or penalty, in whole or in part. As of September 30, 2024, we had $210.0 million in borrowings outstanding under the revolving line of credit at a weighted-average interest rate of 6.396%, $258.8 million in outstanding balance of the $300 Million Term Loan at an interest rate of 6.344%, and $450.0 million in outstanding balance of the $450 Million Term Loan at an interest rate of 6.281%. We were in compliance with all financial covenants under the credit agreement as of September 30, 2024. Future principal payments for the term loans are as follows: Year Ending September 30, (In thousands) 2025 $ 15,000 2026 693,750 Total $ 708,750 Senior Notes On May 8, 2018, we issued $400 million of senior notes in a private offering to qualified institutional investors (the “2018 Senior Notes”). The 2018 Senior Notes require interest payments semi-annually at a rate of 5.25% per annum and will mature on May 15, 2026. On December 6, 2019, we issued $350 million of senior notes in a private offering to qualified institutional investors (the “2019 Senior Notes”). The 2019 Senior Notes require interest payments semi-annually at a rate of 4.00% per annum and will mature on June 15, 2028. On December 17, 2021, we issued $550 million of additional senior notes of the same class as the 2019 Senior Notes in a private offering to qualified institutional investors (the “2021 Senior Notes,” and collectively with the 2018 Senior Notes and the 2019 Senior Notes, the “Senior Notes”). The 2021 Senior Notes require interest payments semi-annually at a rate of 4.00% per annum and will mature on June 15, 2028, the same date as the 2019 Senior Notes. The indentures for the Senior Notes contain certain covenants typical of unsecured obligations and we were in compliance as of September 30, 2024. The following table presents the face values and fair values for the Senior Notes at September 30, 2024 and 2023: September 30, 2024 September 30, 2023 Face Value Fair Value Face Value Fair Value (In thousands) The 2018 Senior Notes $ 400,000 $ 399,500 $ 400,000 $ 386,000 The 2019 Senior Notes and the 2021 Senior Notes 900,000 864,000 900,000 803,250 Total $ 1,300,000 $ 1,263,500 $ 1,300,000 $ 1,189,250 Future principal payments for the Senior Notes are as follows: Year Ending September 30, (In thousands) 2026 $ 400,000 2027 — 2028 900,000 Total $ 1,300,000

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers Contracts with Customers Our revenue is primarily derived from on-premises software and SaaS subscriptions, professional services and scoring services. For contracts with customers that contain various combinations of products and services, we evaluate whether the products or services are distinct — distinct products or services will be accounted for as separate performance obligations, while non-distinct products or services are combined with others to form a single performance obligation. For contracts with multiple performance obligations, the transaction price is allocated to each performance obligation on a relative standalone selling price (“SSP”) basis. Revenue is recognized when control of the promised goods or services is transferred to our customers. Our on-premises software is primarily sold on a subscription basis, which includes a term-based license and post-contract support or maintenance, both of which generally represent distinct performance obligations and are accounted for separately. The transaction price is either a fixed fee, or a usage-based fee — sometimes subject to a guaranteed minimum. When the amount is fixed, including the guaranteed minimum in a usage-based fee, license revenue is recognized at the point in time when the software is made available to the customer. Maintenance revenue is recognized ratably over the contract period as customers simultaneously consume and receive benefits. Any usage-based fees not subject to a guaranteed minimum or earned in excess of the minimum amount are recognized when the subsequent usage occurs. We occasionally sell software arrangements consisting of on-premises perpetual licenses and maintenance. License revenue is recognized at a point in time when the software is made available to the customer and maintenance revenue is recognized ratably over the contract term. Our SaaS products provide customers with access to and standard support for our software on a subscription basis, delivered through our own infrastructure or third-party cloud services. The SaaS transaction contracts typically include a guaranteed minimum fee per period that allows up to a certain level of usage and a consumption-based variable fee in excess of the minimum threshold; or a consumption-based variable fee not subject to a minimum threshold. The nature of our SaaS arrangements is to provide continuous access to our hosted solutions in the cloud, i.e., a stand-ready obligation that comprises a series of distinct service periods (e.g., a series of distinct daily, monthly or annual periods of service). We estimate the total variable consideration at contract inception — subject to any constraints that may apply — and update the estimates as new information becomes available and recognize the amount ratably over the SaaS service period, unless we determine it is appropriate to allocate the variable amount to each distinct service period and recognize revenue as each distinct service period is performed. Variable consideration is included in the transaction price if, in our judgment, it is probable that a significant future reversal of cumulative revenue recognized under the contract will not occur. Variable consideration is estimated based on either the expected value or the most likely amount method depending on which method we expect to better predict the amount of consideration to which we will be entitled. Our estimates of variable consideration are based largely on an assessment of our anticipated performance and all information (historical, current and forecasted) that is reasonably available to us at contract inception and require judgment. Our professional services include software implementation, consulting, model development and training. Professional services are sold either standalone, or together with other products or services and generally represent distinct performance obligations. The transaction price can be a fixed amount or a variable amount based upon the time and materials expended. Revenue on fixed-price services is recognized using an input method based on labor hours expended, which we believe provides a faithful depiction of the transfer of services. Revenue on services provided on a time and materials basis is recognized by applying the “right-to-invoice” practical expedient as the amount to which we have a right to invoice the customer corresponds directly with the value of our performance to the customer. Our scoring services include both business-to-business and business-to-consumer offerings. Our business-to-business scoring services typically include a license that grants consumer reporting agencies the right to use our scoring solutions in exchange for a usage-based royalty. Revenue is generally recognized when the usage occurs. Business-to-consumer offerings provide consumers with access to their FICO ® Scores and credit reports, as well as other value-add services. These are provided as either a one-time or ongoing subscription service renewed monthly or annually, all with a fixed consideration. The nature of the subscription service is a stand-ready obligation to generate credit reports, provide credit monitoring, and other services for our customers, which comprises a series of distinct service periods (e.g., a series of distinct daily, monthly or annual periods of service). Revenue from one-time or monthly subscription services is recognized during the period when service is performed. Revenue from annual subscription services is recognized ratably over the subscription period. Disaggregation of Revenue During fiscal 2023, we sold certain assets related to our Siron compliance business. The comparability of the data below is impacted as a result of this sale. The following tables provide information about disaggregated revenue by primary geographical market: Year Ended September 30, 2024 Scores Software Total Percentage (Dollars in thousands) Americas $ 905,266 $ 544,622 $ 1,449,888 84 % Europe, Middle East and Africa 5,908 163,618 169,526 10 % Asia Pacific 8,476 89,636 98,112 6 % Total $ 919,650 $ 797,876 $ 1,717,526 100 % Year Ended September 30, 2023 Scores Software Total Percentage (Dollars in thousands) Americas $ 763,874 $ 523,076 $ 1,286,950 85 % Europe, Middle East and Africa 5,802 135,562 141,364 9 % Asia Pacific 4,152 81,091 85,243 6 % Total $ 773,828 $ 739,729 $ 1,513,557 100 % Year Ended September 30, 2022 Scores Software Total Percentage (Dollars in thousands) Americas $ 691,006 $ 439,705 $ 1,130,711 82 % Europe, Middle East and Africa 4,475 142,824 147,299 11 % Asia Pacific 11,162 88,098 99,260 7 % Total $ 706,643 $ 670,627 $ 1,377,270 100 % The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deployment method: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) On-premises software $ 313,632 $ 292,763 $ 280,649 44 % 46 % 50 % SaaS software 397,708 347,419 284,102 56 % 54 % 50 % Total $ 711,340 $ 640,182 $ 564,751 100 % 100 % 100 % The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by product features: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Platform software $ 200,004 $ 154,750 $ 116,252 28 % 24 % 21 % Non-Platform software 511,336 485,432 448,499 72 % 76 % 79 % Total $ 711,340 $ 640,182 $ 564,751 100 % 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: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Software recognized at a point in time (1) $ 76,284 $ 72,843 $ 75,647 11 % 11 % 13 % Software recognized over contract term (2) 635,056 567,339 489,104 89 % 89 % 87 % Total $ 711,340 $ 640,182 $ 564,751 100 % 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: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Business-to-business Scores $ 711,843 $ 560,995 $ 475,442 77 % 72 % 67 % Business-to-consumer Scores 207,807 212,833 231,201 23 % 28 % 33 % Total $ 919,650 $ 773,828 $ 706,643 100 % 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 45%, 41% and 39% of our total revenues in fiscal 2024, 2023 and 2022, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in fiscal 2024 and 2023, and two each contributing more than 10% of our total revenues in fiscal 2022. At each of September 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 September 30, 2024 and 2023 consisted of the following: September 30, 2024 2023 (In thousands) Billed $ 264,942 $ 234,745 Unbilled 210,795 203,896 475,737 438,641 Less: allowance for doubtful accounts (6,454) (4,978) Net receivables 469,283 433,663 Less: long-term receivables ( * ) (42,641) (45,716) Short-term receivables ( * ) $ 426,642 $ 387,947 (*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying consolidated balance sheets. Activity in the allowance for doubtful accounts was as follows: Year Ended September 30, 2024 2023 (In thousands) Allowance for doubtful accounts, beginning balance $ 4,978 $ 4,218 Add: expense 1,675 1,475 Less: write-offs (net of recoveries) (199) (715) Allowance for doubtful accounts, ending balance $ 6,454 $ 4,978 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: Year Ended September 30, 2024 2023 (In thousands) Deferred revenues, beginning balance $ 143,235 $ 126,560 Revenue recognized that was included in the deferred revenues balance at the beginning of the period (133,554) (113,341) Increases due to billings, excluding amounts recognized as revenue during the period 150,528 130,016 Deferred revenues, ending balance ( * ) $ 160,209 $ 143,235 (*) Deferred revenues at September 30, 2024 included current portion of $156.9 million and long-term portion of $3.3 million that were recorded in deferred revenue and other liabilities, respectively, within the 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 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 $507.3 million as of September 30, 2024, approximately 50% of which we expect to recognize over the next 14 months and the remainder thereafter. Revenue allocated to remaining performance obligations was $470.5 million as of September 30, 2023. Significant Judgments Our contracts with customers often include promises to transfer multiple products and services to a customer. Determining whether products and services are considered distinct and should be accounted for separately may require significant judgment. Specifically, when implementation service is included in the original software or SaaS offerings, judgment is required to determine if the implementation service significantly modifies or customizes the software or SaaS service in such a way that the risks of providing it and the customization service are inseparable. We determine the SSPs using data from our historical standalone sales, or, in instances where such information is not available (such as when we do not sell the product or service separately), we consider factors such as the stated contract prices, our overall pricing practices and objectives, go-to-market strategy, size and type of the transactions, and effects of the geographic area on pricing, among others. When the selling price of a product or service is highly variable, we may use the residual approach to determine the SSP of that product or service. Significant judgment may be required to determine the SSP for each distinct performance obligation when it involves the consideration of many market conditions and entity-specific factors discussed above. Significant judgment may be required to determine the timing of satisfaction of a performance obligation in certain professional services contracts with a fixed consideration, in which we measure progress using an input method based on labor hours expended. In order to estimate the total hours of the project, we make assumptions about labor utilization, efficiency of processes, the customer’s specification and IT environment, among others. For certain complex projects, due to the risks and uncertainties inherent with the estimation process and factors relating to the assumptions, actual progress may differ due to the change in estimated total hours. Adjustments to estimates are made in the period in which the facts requiring such revisions become known and, accordingly, recognized revenues are subject to revisions as the contract progresses to completion. Capitalized Commission Costs We capitalize incremental commission fees paid as a result of obtaining customer contracts. Capitalized commission costs, which are recorded in other assets within the accompanying consolidated balance sheets, were $60.5 million and $58.6 million at September 30, 2024 and 2023, respectively. Capitalized commission costs are amortized on a straight-line basis over ten years — determined using a portfolio approach — based on the transfer of goods or services to which the assets relate, taking into consideration both the initial and future contracts as we do not typically pay a commission on a contract renewal. The amortization costs are included in selling, general, and administrative expenses of our consolidated statements of income and comprehensive income. The amount of amortization was $9.2 million, $8.2 million, and $7.2 million during the years ended September 30, 2024, 2023 and 2022, respectively. There was no impairment loss in relation to the costs capitalized. We apply a practical expedient to recognize the incremental costs of obtaining contracts as an expense when incurred if the amortization period of the assets that we otherwise would have recognized is one year or less. These costs are recorded within selling, general, and administrative expenses.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Sep. 30, 2024
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans Defined Contribution Plans We sponsor the Fair Isaac Corporation 401(k) plan for eligible employees in the U.S. Under this plan, eligible employees may contribute up to 25% of compensation, not to exceed statutory limits. We also provide a company matching contribution. Investment in FICO common stock is not an option under this plan. Our contributions into all 401(k) plans, including former-acquired-company-sponsored plans that have since merged into the Fair Isaac Corporation 401(k) plan or have been frozen, totaled $9.5 million, $8.9 million and $8.2 million during fiscal 2024, 2023 and 2022, respectively. Employee Incentive Plans We maintain various employee incentive plans for the benefit of eligible employees, including officers. The awards generally are based upon the achievement of certain financial and performance objectives subject to the discretion of management. For executive officers, such discretion is exercised by the Leadership Development and Compensation Committee of our Board of Directors. Total expenses under our employee incentive plans were $62.5 million, $57.8 million and $55.7 million during fiscal 2024, 2023 and 2022, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The provision for income taxes was as follows during fiscal 2024, 2023 and 2022: Year ended September 30, 2024 2023 2022 (In thousands) Current: Federal $ 110,402 $ 112,456 $ 50,403 State 10,199 16,844 8,952 Foreign 35,943 42,327 30,597 156,544 171,627 89,952 Deferred: Federal (26,227) (37,884) 8,165 State (1,712) (15,025) 507 Foreign 609 5,531 (856) (27,330) (47,378) 7,816 Total provision $ 129,214 $ 124,249 $ 97,768 The foreign provision was based on foreign pre-tax earnings of $150.8 million, $172.7 million and $136.0 million in fiscal 2024, 2023 and 2022, respectively. Current foreign tax expense related to foreign tax withholdings was $14.6 million, $12.3 million and $9.5 million in fiscal 2024, 2023 and 2022, respectively. Foreign withholding tax and related foreign tax credits are included in current tax expense above. Deferred tax assets and liabilities at September 30, 2024 and 2023 were as follows: September 30, 2024 2023 (In thousands) Deferred tax assets: Loss and credit carryforwards $ 7,717 $ 12,309 Compensation benefits 32,093 30,490 Operating lease liabilities 7,881 9,396 Research and development costs 67,795 34,730 Other assets 18,241 17,327 133,727 104,252 Less: valuation allowance — (2,183) Total deferred tax assets 133,727 102,069 Deferred tax liabilities: Intangible assets (7,812) (7,226) Deferred commission (14,484) (14,017) Operating lease right-of-use assets (7,240) (6,228) Other liabilities (17,678) (15,462) Total deferred tax liabilities (47,214) (42,933) Deferred tax assets, net $ 86,513 $ 59,136 Based upon the level of historical taxable income and projections for future taxable income over the periods that the deferred tax assets will reverse, management believes it is more likely than not that we will realize the benefits of the deferred tax assets at September 30, 2024. As of September 30, 2024, we had available U.S. federal net operating loss (“NOL”) carryforwards of approximately $2.8 million. The U.S. federal NOLs were acquired in connection with our acquisitions of Adeptra in fiscal 2012 and Infoglide in fiscal 2013. The U.S. federal NOL carryforwards will expire at various dates beginning in fiscal 2026, if not utilized. Utilization of the U.S. federal NOLs is subject to an annual limitation due to the “change in ownership” provisions of the Internal Revenue Code of 1986, as amended. We had available an excess California state research credit of approximately $7.1 million as of September 30, 2024. A reconciliation of the provision for income taxes, with the amount computed by applying the U.S. federal statutory income tax rate of 21% to income before provision for income taxes for fiscal 2024, 2023 and 2022 is shown below: Year Ended September 30, 2024 2023 2022 (In thousands) Income tax provision at U.S. federal statutory rate $ 134,825 $ 116,261 $ 98,975 State income taxes, net of U.S. federal benefit 13,109 14,135 8,359 Foreign tax rate differential 6,675 9,489 3,058 Research credits (5,472) (3,600) (5,932) Valuation allowance (2,183) (14,451) (11,768) Excess tax benefits relating to share-based compensation (14,907) (949) 702 GILTI, FDII, BEAT and FTC (9,265) (9,010) (2,491) Other 6,432 12,374 6,865 Recorded income tax provision $ 129,214 $ 124,249 $ 97,768 As of September 30, 2024, we had approximately $82.6 million of unremitted earnings of non-U.S. subsidiaries. The Company has provided $2.8 million of deferred tax liabilities for foreign withholding taxes on the undistributed earnings and profits from certain non-U.S. subsidiaries that are not permanently reinvested outside the U.S. For other jurisdictions permanently reinvested, the Company expects the net impact of any future repatriations to be immaterial to the Company’s overall tax liability. Unrecognized Tax Benefit for Uncertain Tax Positions We conduct business globally and, as a result, file income tax returns in the U.S. federal jurisdiction and various state and foreign jurisdictions. In the normal course of business, we are subject to examination by taxing authorities. With a few exceptions, we are no longer subject to U.S. federal, state, local, or foreign income tax examinations for fiscal years prior to 2021. A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Gross unrecognized tax benefits at beginning of year $ 13,849 $ 12,980 $ 10,897 Gross increases for tax positions in prior years 4,769 — 593 Gross decreases for tax positions in prior years (1,956) (1,127) — Gross increases based on tax positions related to the current year 4,277 3,650 3,250 Decreases for settlements and payments — (523) — Decreases due to statute expiration (1,060) (1,131) (1,760) Gross unrecognized tax benefits at end of year $ 19,879 $ 13,849 $ 12,980 We had $19.9 million of total unrecognized tax benefits as of September 30, 2024, including $18.6 million of tax benefits that, if recognized, would impact the effective tax rate. Although the timing and outcome of audit settlements are uncertain, it is unlikely there will be a significant reduction of the uncertain tax benefits in the next twelve months. We recognize interest expense and penalties related to unrecognized tax benefits and penalties as part of the provision for income taxes in our consolidated statements of income and comprehensive income. We recognize interest earned related to income tax matters as interest income in our consolidated statements of income and comprehensive income. As of September 30, 2024, we had accrued interest of $1.7 million related to the unrecognized tax benefits.

Stock-Based Employee Benefit Pl

Stock-Based Employee Benefit Plans	12 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share-Based Employee Benefit Plans	Share-Based Employee Benefit Plans Description of Stock Option and Share Plans We maintain the 2021 Long-Term Incentive Plan (the “2021 Plan”). The 2021 Plan authorizes the issuance of up to 5,900,000 shares of our common stock, plus additional shares that become available due to the expiration, forfeiture or cancellation of awards outstanding under the 2012 Long-Term Incentive Plan. Under the terms of the 2021 Plan, the pool of shares available for issuance may be used for all types of equity awards available under the 2021 Plan, which include stock options, stock appreciation rights, restricted stock awards, stock unit awards and other share-based awards. All employees, consultants and advisors of FICO or any subsidiary, as well as all non-employee directors, are eligible to receive awards under the 2021 Plan. The 2021 Plan will remain in effect until the earliest of the following: all shares subject to the Plan are distributed, the Board terminates the Plan, or the tenth anniversary of the effective date of the Plan. Stock option awards have a maximum term of ten years. In general, stock option awards and stock unit awards not subject to market or performance conditions vest annually over four years. Stock unit awards subject to market or performance conditions generally vest annually over three years based on the achievement of specified criteria. At September 30, 2024, there were 4,435,309 shares available for issuance as new awards under the 2021 Plan. Description of Employee Stock Purchase Plan We maintain the 2019 Employee Stock Purchase Plan (the “2019 Purchase Plan”) under which we are authorized to issue up to 1,000,000 shares of our common stock to eligible employees. Eligible employees may elect to have up to 15% of their eligible pay withheld through payroll deductions to purchase FICO common stock during semi-annual offering periods. The purchase price of the stock is 85% of the closing sales price of FICO common stock on the last trading day of each offering period. Offering period means approximately six-month periods commencing (a) on the first trading day on or after September 1 and terminating on the last trading day in the following February, and (b) on the first trading day on or after March 1 and terminating on the last trading day in the following August. At September 30, 2024, there were 839,175 shares available for issuance under the 2019 Purchase Plan. We satisfy stock option exercises, vesting of stock units and the 2019 Purchase Plan issuances from treasury shares. Share-Based Compensation Expense and Related Income Tax Benefits We recorded share-based compensation expense of $149.4 million, $123.8 million and $115.4 million in fiscal 2024, 2023 and 2022, respectively. The total tax benefit related to this share-based compensation expense was $15.9 million, $13.8 million and $13.5 million in fiscal 2024, 2023 and 2022, respectively. As of September 30, 2024, there was $213.0 million of total unrecognized compensation cost related to non-vested share-based compensation arrangements granted under all equity compensation plans. Total unrecognized compensation cost will be adjusted for future changes in estimated forfeitures. We expect to recognize that cost over a weighted-average period of 2.37 years. In fiscal 2024 we received $8.3 million in cash from stock option exercises, with the tax benefit realized for the tax deductions from these exercises of $10.2 million. Share-Based Activity Restricted Stock Units The fair value of restricted stock units (“RSUs”) granted is the closing market price of our common stock on the date of grant, adjusted for the expected dividend yield, if applicable. We amortize the fair value on a straight-line basis over the vesting period. The following table summarizes the RSUs activity during fiscal 2024: Shares Weighted-average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 376 $ 508.23 Granted 97 1,150.58 Released (148) 478.44 Forfeited (20) 567.62 Outstanding at September 30, 2024 305 $ 724.40 The weighted-average fair value of the RSUs granted was $1,150.58, $620.51 and $416.62 during fiscal 2024, 2023 and 2022, respectively. The total intrinsic value of the RSUs that vested was $171.0 million, $101.1 million and $97.3 million during fiscal 2024, 2023 and 2022, respectively, determined as of the date of vesting. Performance Share Units Performance share units (“PSUs”) are granted to our senior officers and earned based on pre-established performance goals approved by the Leadership Development and Compensation Committee of our Board of Directors for any given performance period. The range of payout is zero to 200% of the number of target PSUs, based on the outcome of the performance conditions. We estimate the fair value of the PSUs using the closing market price of our common stock on the date of grant, adjusted for the expected dividend yield if applicable, based on the performance condition that is probable of achievement. We amortize the fair values over the requisite service period for each vesting tranche of the award. We reassess the probability at each reporting period and recognize the cumulative effect of the change in estimate in the period of change. The following table summarizes the PSUs activity during fiscal 2024: Shares Weighted- average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 115 $ 519.54 Granted 35 1,134.39 Released (57) 502.66 Forfeited (8) 529.92 Outstanding at September 30, 2024 85 $ 786.85 The weighted-average fair value of the PSUs granted was $1,134.39, $615.45 and $407.49 during fiscal 2024, 2023 and 2022, respectively. The total intrinsic value of the PSUs that vested was $65.2 million, $40.3 million and $25.9 million during fiscal 2024, 2023 and 2022, respectively, determined as of the date of vesting. Market Share Units Market share units (“MSUs”) are granted to our senior officers and earned based on our total stockholder return relative to the Russell 3000 Index over performance periods of one two Year Ended September 30, 2024 2023 2022 Expected volatility in FICO’s stock price 36.3 % 47.3 % 42.3 % Expected volatility in Russell 3000 Index 18.2 % 26.0 % 23.3 % Correlation between FICO and the Russell 3000 Index 60.3 % 73.5 % 74.7 % Risk-free interest rate 4.39 % 4.02 % 0.97 % Average expected dividend yield — % — % — % The expected volatility was determined based on daily historical movements in our stock price and the Russell 3000 Index for the three years preceding the grant date. The correlation between FICO and the Russell 3000 Index was determined based on historical daily stock price movements for the three years preceding the grant date. The risk-free rate was determined based on U.S. Treasury zero-coupon yields over the three-year performance period. Because we have not declared or paid any cash dividends on our common stock since May 2017, and we do not presently plan to pay cash dividends on our common stock in the foreseeable future, we used an expected dividend yield of zero. The following table summarizes the MSUs activity during fiscal 2024: Shares Weighted- average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 87 $ 844.24 Granted 64 1,014.75 Released (84) 737.77 Forfeited (5) 845.67 Outstanding at September 30, 2024 62 $ 1,161.62 The weighted-average fair value of the MSUs granted was $1,014.75, $822.96 and $493.66 during fiscal 2024, 2023 and 2022, respectively. The total intrinsic value of the MSUs that vested was $95.0 million, $42.2 million and $7.8 million during fiscal 2024, 2023 and 2022, respectively, determined as of the date of vesting. Stock Options We estimate the fair value of stock options granted using the Black-Scholes option valuation model and we amortize the fair value on a straight-line basis over the vesting period. We used the following assumptions to estimate the fair value of our stock options during fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 2023 2022 Stock Options: Weighted-average expected term (years) 4.46 5.23 4.43 Expected volatility (range) 33.6 - 33.9 % 33.4 - 35.5 % 32.9 - 34.1 % Weighted-average volatility 33.7 % 33.5 % 33.2 % Risk-free interest rate (range) 4.18 - 4.30 % 3.40 - 4.49 % 1.18 - 2.85 % Weighted-average expected dividend yield — % — % — % Expected Term. The expected term represents the period that our stock options are expected to be outstanding. We estimate the expected term based on historical experience of similar awards, giving consideration to the contractual terms of the share-based awards, vesting schedules and expectations of future employee behavior. Expected Volatility. We estimate the volatility of our common stock at the date of grant based on a combination of the implied volatility of publicly traded options on our common stock and our historical volatility rate. Risk-Free Interest Rate. The risk-free interest rate assumption is based on observed interest rates appropriate for the term of our employee options. Dividends. We have not declared or paid any cash dividends on our common stock since May 2017, and we do not presently plan to pay cash dividends on our common stock in the foreseeable future. Consequently, we used an expected dividend yield of zero in the years presented. Forfeitures. We use historical data to estimate pre-vesting option forfeitures and record share-based compensation expense only for those awards that are expected to vest. The following table summarizes option activity during fiscal 2024: Shares Weighted- Weighted- Aggregate (In thousands) (In years) (In thousands) Outstanding at September 30, 2023 227 $ 387.95 Granted 9 1,198.00 Exercised (47) 176.46 Outstanding at September 30, 2024 189 $ 479.26 3.30 $ 277,150 Exercisable at September 30, 2024 119 $ 290.75 1.98 $ 196,829 Vested or expected to vest at September 30, 2024 185 $ 471.93 3.25 $ 272,681 The weighted-average fair value of options granted was $419.00, $289.54 and $134.91 during fiscal 2024, 2023 and 2022, respectively. The aggregate intrinsic value of options outstanding at September 30, 2024 was calculated as the difference between the exercise price of the underlying options and the market price of our common stock for the 189,000 outstanding options that had exercise prices lower than the $1,943.52 market price of our common stock at September 30, 2024. The total intrinsic value of options exercised was $49.1 million, $16.7 million and $14.5 million during fiscal 2024, 2023 and 2022, respectively, determined as of the date of exercise. Employee Stock Purchase Plan

Earnings per Share

Earnings per Share	12 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings per Share	Earnings per Share The following table presents reconciliations for the numerators and denominators of basic and diluted earnings per share (“EPS”) during fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 2023 2022 (In thousands, except per share data) Numerator for diluted and basic earnings per share: Net income $ 512,811 $ 429,375 $ 373,541 Denominator — share: Basic weighted-average shares 24,676 24,986 26,042 Effect of dilutive securities 403 381 305 Diluted weighted-average shares 25,079 25,367 26,347 Earnings per share: Basic $ 20.78 $ 17.18 $ 14.34 Diluted $ 20.45 $ 16.93 $ 14.18

Segment Information

Segment Information	12 Months Ended
	Sep. 30, 2024
Segment Reporting [Abstract]
Segment Information	Segment Information We are organized into two reportable segments: Scores and Software. Although we sell solutions and services into 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 fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 711,340 $ — $ 711,340 Professional services — 86,536 — 86,536 Scores 919,650 — — 919,650 Total segment revenues 919,650 797,876 — 1,717,526 Segment operating expense (106,296) (540,347) (186,898) (833,541) Segment operating income $ 813,354 $ 257,529 $ (186,898) $ 883,985 Unallocated share-based compensation expense (149,439) Unallocated amortization expense (917) Operating income 733,629 Unallocated interest expense, net (105,638) Unallocated other income, net 14,034 Income before income taxes $ 642,025 Depreciation and amortization $ 451 $ 8,881 $ 66 $ 9,398 Year Ended September 30, 2023 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 640,182 $ — $ 640,182 Professional services — 99,547 — 99,547 Scores 773,828 — — 773,828 Total segment revenues 773,828 739,729 — 1,513,557 Segment operating expense (92,757) (498,538) (156,426) (747,721) Segment operating income $ 681,071 $ 241,191 $ (156,426) 765,836 Unallocated share-based compensation expense (123,847) Unallocated amortization expense (1,100) Unallocated gain on product line asset sale 1,941 Operating income 642,830 Unallocated interest expense, net (95,546) Unallocated other income, net 6,340 Income before income taxes $ 553,624 Depreciation and amortization $ 485 $ 9,550 $ 71 $ 10,106 Year Ended September 30, 2022 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 564,751 $ — $ 564,751 Professional services — 105,876 — 105,876 Scores 706,643 — — 706,643 Total segment revenues 706,643 670,627 — 1,377,270 Segment operating expense (87,288) (487,505) (142,647) (717,440) Segment operating income $ 619,355 $ 183,122 $ (142,647) 659,830 Unallocated share-based compensation expense (115,355) Unallocated amortization expense (2,061) Operating income 542,414 Unallocated interest expense, net (68,967) Unallocated other expense, net (2,138) Income before income taxes $ 471,309 Depreciation and amortization $ 723 $ 14,412 $ 107 $ 15,242

Leases

Leases	12 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Operating leases	Leases We lease office space and data centers under operating lease arrangements, which constitute the majority of our lease obligations. We also enter into finance lease agreements from time to time for certain computer equipment. For any lease with a lease term in excess of 12 months, the related lease assets and liabilities are recognized on our consolidated balance sheets as operating leases or finance leases at the commencement of an agreement where it is determined that a lease exists. We have lease agreements that contain both lease and non-lease components, and we have elected to combine these components together and account for them as a single lease component for all classes of assets. Leases with a lease term of 12 months or less are not recorded on our consolidated balance sheets. Furthermore, we recognize lease expense for these leases on a straight-line basis over the lease term. Operating lease assets represent the right to use an underlying asset for the lease term and operating lease liabilities represent the obligation to make lease payments arising from the lease. These assets and liabilities are recognized based on the present value of future payments over the lease term at the commencement date. We use a collateralized incremental borrowing rate based on the information available at the commencement date, including the lease term, in determining the present value of future payments. In calculating the incremental borrowing rates, we consider recent ratings from credit agencies and current lease demographic information. Our operating leases also typically require payment of real estate taxes, common area maintenance, insurance and other operating costs as well as payments that are adjusted based on a consumer price index. These components comprise the majority of our variable lease cost and are excluded from the present value of our lease obligations. In instances where they are fixed, they are included due to our election to combine lease and non-lease components. Operating lease assets also include prepaid lease payments and initial direct costs, and are reduced by lease incentives. Our lease terms generally do not include options to extend or terminate the lease unless it is reasonably certain that the option will be exercised. Fixed payments may contain predetermined fixed rent escalations. We recognize the related rent expense on a straight-line basis from the commencement date to the end of the lease term. The following table presents the lease balances within the accompanying consolidated balance sheets as of September 30, 2024 and 2023: Balance Sheet Location September 30, 2024 2023 (In thousands) Assets Operating leases Operating lease right-of-use assets $ 29,580 $ 25,703 Finance leases (*) Property and equipment, net 9,881 — Total lease assets $ 39,461 $ 25,703 Liabilities Current: Operating leases Other accrued liabilities $ 11,555 $ 16,336 Finance leases Other accrued liabilities 3,144 — Non-current: Operating leases Operating lease liabilities 21,963 23,903 Finance leases Other liabilities 7,263 — Total lease liabilities $ 43,925 $ 40,239 (*) Finance leases were recorded net of accumulated depreciation of $1.9 million at September 30, 2024. The components of our operating and finance lease expenses were as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Operating lease cost $ 14,421 $ 16,594 $ 18,426 Finance lease cost: Depreciation of lease assets 1,859 — — Interest on lease liabilities 369 — — Short-term lease cost 811 461 201 Variable lease cost 2,060 2,363 2,091 Sublease income (1,073) (429) — Total lease cost $ 18,447 $ 18,989 $ 20,718 The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases: September 30, 2024 2023 Operating leases: Weighted-average remaining lease term (in months) 44 35 Weighted-average discount rate 6.41 % 4.58 % Finance leases: Weighted-average remaining lease term (in months) 40 0 Weighted-average discount rate 5.52 % — % Supplemental cash flow information related to our non-cancellable leases was as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Cash paid for amounts included in the measurement of lease liabilities: Operating cash outflow for operating leases $ 18,153 $ 19,780 $ 22,021 Operating cash outflow for finance leases 369 — — Financing cash outflow for finance leases 1,333 — — Lease assets obtained in exchange for new lease liabilities: Operating leases 22,433 4,150 7,505 Finance leases 11,740 — — Future lease payments under our non-cancellable leases as of September 30, 2024 were as follows: Operating Leases Finance Leases (In thousands) Fiscal 2025 $ 13,378 $ 3,625 Fiscal 2026 9,805 3,625 Fiscal 2027 5,618 3,625 Fiscal 2028 4,439 441 Fiscal 2029 2,626 — Thereafter 2,039 — Total future undiscounted lease payments 37,905 11,316 Less imputed interest (4,387) (909) Total reported lease liabilities $ 33,518 $ 10,407
Finance leases	Leases We lease office space and data centers under operating lease arrangements, which constitute the majority of our lease obligations. We also enter into finance lease agreements from time to time for certain computer equipment. For any lease with a lease term in excess of 12 months, the related lease assets and liabilities are recognized on our consolidated balance sheets as operating leases or finance leases at the commencement of an agreement where it is determined that a lease exists. We have lease agreements that contain both lease and non-lease components, and we have elected to combine these components together and account for them as a single lease component for all classes of assets. Leases with a lease term of 12 months or less are not recorded on our consolidated balance sheets. Furthermore, we recognize lease expense for these leases on a straight-line basis over the lease term. Operating lease assets represent the right to use an underlying asset for the lease term and operating lease liabilities represent the obligation to make lease payments arising from the lease. These assets and liabilities are recognized based on the present value of future payments over the lease term at the commencement date. We use a collateralized incremental borrowing rate based on the information available at the commencement date, including the lease term, in determining the present value of future payments. In calculating the incremental borrowing rates, we consider recent ratings from credit agencies and current lease demographic information. Our operating leases also typically require payment of real estate taxes, common area maintenance, insurance and other operating costs as well as payments that are adjusted based on a consumer price index. These components comprise the majority of our variable lease cost and are excluded from the present value of our lease obligations. In instances where they are fixed, they are included due to our election to combine lease and non-lease components. Operating lease assets also include prepaid lease payments and initial direct costs, and are reduced by lease incentives. Our lease terms generally do not include options to extend or terminate the lease unless it is reasonably certain that the option will be exercised. Fixed payments may contain predetermined fixed rent escalations. We recognize the related rent expense on a straight-line basis from the commencement date to the end of the lease term. The following table presents the lease balances within the accompanying consolidated balance sheets as of September 30, 2024 and 2023: Balance Sheet Location September 30, 2024 2023 (In thousands) Assets Operating leases Operating lease right-of-use assets $ 29,580 $ 25,703 Finance leases (*) Property and equipment, net 9,881 — Total lease assets $ 39,461 $ 25,703 Liabilities Current: Operating leases Other accrued liabilities $ 11,555 $ 16,336 Finance leases Other accrued liabilities 3,144 — Non-current: Operating leases Operating lease liabilities 21,963 23,903 Finance leases Other liabilities 7,263 — Total lease liabilities $ 43,925 $ 40,239 (*) Finance leases were recorded net of accumulated depreciation of $1.9 million at September 30, 2024. The components of our operating and finance lease expenses were as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Operating lease cost $ 14,421 $ 16,594 $ 18,426 Finance lease cost: Depreciation of lease assets 1,859 — — Interest on lease liabilities 369 — — Short-term lease cost 811 461 201 Variable lease cost 2,060 2,363 2,091 Sublease income (1,073) (429) — Total lease cost $ 18,447 $ 18,989 $ 20,718 The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases: September 30, 2024 2023 Operating leases: Weighted-average remaining lease term (in months) 44 35 Weighted-average discount rate 6.41 % 4.58 % Finance leases: Weighted-average remaining lease term (in months) 40 0 Weighted-average discount rate 5.52 % — % Supplemental cash flow information related to our non-cancellable leases was as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Cash paid for amounts included in the measurement of lease liabilities: Operating cash outflow for operating leases $ 18,153 $ 19,780 $ 22,021 Operating cash outflow for finance leases 369 — — Financing cash outflow for finance leases 1,333 — — Lease assets obtained in exchange for new lease liabilities: Operating leases 22,433 4,150 7,505 Finance leases 11,740 — — Future lease payments under our non-cancellable leases as of September 30, 2024 were as follows: Operating Leases Finance Leases (In thousands) Fiscal 2025 $ 13,378 $ 3,625 Fiscal 2026 9,805 3,625 Fiscal 2027 5,618 3,625 Fiscal 2028 4,439 441 Fiscal 2029 2,626 — Thereafter 2,039 — Total future undiscounted lease payments 37,905 11,316 Less imputed interest (4,387) (909) Total reported lease liabilities $ 33,518 $ 10,407

Commitments

Commitments	12 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments	Commitments In the ordinary course of business, we enter into contractual purchase obligations and other agreements that are legally binding and specify certain minimum payment terms. Our purchase obligations primarily relate to a third-party data center hosting agreement, subscription arrangements, and service agreements. Future minimum payments under our non-cancellable purchase obligations as of September 30, 2024 were as follows: Year Ending September 30, (In thousands) 2025 $ 62,271 2026 57,835 2027 2,594 Total $ 122,700 We are also a party to a management agreement with 17 of our executives providing for certain payments and other benefits in the event of a qualified change in control of FICO, coupled with a termination of the officer during the following year.

Guarantees

Guarantees	12 Months Ended
	Sep. 30, 2024
Guarantees [Abstract]
Guarantees	Guarantees In the ordinary course of business, we are not subject to potential obligations under guarantees , except for standard indemnification and warranty provisions that are contained within many of our customer license and service agreements and certain supplier agreements, including underwriter agreements, as well as standard indemnification agreements that we have executed with certain of our officers and directors, and give rise only to the disclosure in the consolidated financial statements. In addition, we continue to monitor the conditions that are subject to the guarantees and indemnifications to identify whether it is probable that a loss has occurred, and would recognize any such losses under the guarantees and indemnifications when those losses are estimable. Indemnification and warranty provisions contained within our customer license and service agreements and certain supplier agreements are generally consistent with those prevalent in our industry. The duration of our product warranties generally does not exceed 90 days following delivery of our products. We have not incurred significant obligations under customer indemnification or warranty provisions historically and do not expect to incur significant obligations in the future. Accordingly, we do not maintain accruals for potential customer indemnification or warranty-related obligations. The indemnification agreements that we have executed with certain of our officers and directors would require us to indemnify such officers and directors in certain instances. We have not incurred obligations under these indemnification agreements historically and do not expect to incur significant obligations in the future. Accordingly, we do not maintain accruals for potential officer or director indemnification obligations. The maximum potential amount of future payments that we could be required to make under the indemnification provisions in our customer license and service agreements, and officer and director agreements is unlimited.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net income	$ 512,811	$ 429,375	$ 373,541

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Sep. 30, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Nature of Business and Summar_2

Nature of Business and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Principles of Consolidation and Basis of Presentation	Principles of Consolidation and Basis of Presentation The consolidated financial statements include the accounts of FICO and its subsidiaries. All intercompany accounts and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to current year presentation.
Use of Estimates	Use of Estimates We make estimates and assumptions that affect the amounts reported in the financial statements and the disclosures made in the accompanying notes. For example, we use estimates in determining the appropriate levels of various accruals; variable considerations included in the transaction price and standalone selling price of each performance obligation for our customer contracts; labor hours in connection with fixed-fee service contracts; the amount of our tax provision; and the realizability of deferred tax assets. We also use estimates in determining the remaining economic lives and carrying values of acquired intangible assets, property and equipment, and other long-lived assets. In addition, we use assumptions to estimate the fair value of reporting units and share-based compensation. Actual results may differ from our estimates.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents consist of cash in banks and investments with an original maturity of 90 days or less at time of purchase.
Fair Value of Financial Instruments	Fair Value of Financial Instruments
Investments	Investments We categorize our investments in debt and equity instruments as trading, available-for-sale or held-to-maturity at the time of purchase. Trading securities are carried at fair value with unrealized gains or losses included in other income (expense). Available-for-sale securities are carried at fair value measurements using quoted prices in active markets for identical assets or liabilities with unrealized gains or losses included in accumulated other comprehensive income (loss). Held-to-maturity securities are carried at amortized cost. Dividends and interest income are accrued as earned. Realized gains and losses are determined on a specific identification basis and are included in other income (expense). We review marketable securities for impairment whenever circumstances and situations change such that there is an indication that the carrying amounts may not be recovered. We did not classify any securities as held-to-maturity or available-for-sale during each of the three years ended September 30, 2024, 2023 and 2022. Investments with remaining maturities over one year are classified as long-term investments.
Concentration of Risk	Concentration of Risk Financial instruments that potentially expose us to concentrations of risk consist primarily of cash and cash equivalents, marketable securities and accounts receivable, which are generally not collateralized. Our policy is to place our cash, cash equivalents, and marketable securities with high quality financial institutions, commercial corporations and government agencies in order to limit the amount of credit exposure. We have established guidelines relative to diversification and maturities for maintaining safety and liquidity. We generally do not require collateral from our customers, but our credit extension and collection policies include analyzing the financial condition of potential customers, establishing credit limits, monitoring payments, and aggressively pursuing delinquent accounts. We maintain allowances for potential credit losses. A significant portion of our revenues are derived from the sales of products and services to the financial services industries.
Property and Equipment	Property and Equipment Property and equipment are recorded at cost less accumulated depreciation and amortization. Major renewals and improvements are capitalized, while repair and maintenance costs are expensed as incurred. Depreciation and amortization charges are calculated using the straight-line method over the following estimated useful lives: Estimated Useful Life Data processing equipment and purchased software 3 years to 6 years Internal-use software 4 years Office furniture and equipment 3 years to 7 years Leasehold improvements Shorter of estimated
Internal-use Software	Internal-Use Software Costs incurred to develop internal-use software during the application development stage are capitalized and reported at cost. Application development stage costs generally include costs associated with internal-use software configuration, coding, installation and testing. Costs of significant upgrades and enhancements that result in additional functionality are also capitalized whereas costs incurred for maintenance and minor upgrades and enhancements are expensed as incurred. Amortization of capitalized costs are recorded within cost of revenues in our consolidated statements of income and comprehensive income.
Capitalized Software and Research and Development Costs	Capitalized Software and Research and Development Costs Software development costs relating to products to be sold in the normal course of business are expensed as incurred as research and development costs until technological feasibility is established. Technological feasibility for our products occurs approximately concurrently with the general release of our products; accordingly, we have not capitalized any development or production costs. Costs we incur to maintain and support our products are expensed in the period they are incurred and included in cost of revenues in our consolidated statements of income and comprehensive income.
Impairment of Long-Lived Assets	Our other long-lived assets are assessed for potential impairment when there is evidence that events and circumstances related to our financial performance and economic environment indicate the carrying amount of the assets may not be recoverable. When impairment indicators are identified, we test for impairment using undiscounted cash flows. If such tests indicate impairment, then we measure and record the impairment as the difference between the carrying value of the asset and the fair value of the asset.
Revenue Recognition	Revenue Recognition Revenue is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration to which we expect to be entitled to in exchange for those goods or services. See Note 9 for further discussion on revenues.
Income Taxes	Income Taxes We estimate our income taxes based on the various jurisdictions where we conduct business, which involves significant judgment in determining our income tax provision. We estimate our current tax liability using currently enacted tax rates and laws and assess temporary differences that result from differing treatments of certain items for tax and accounting purposes. These differences result in deferred tax assets and liabilities recorded on our consolidated balance sheets using the currently enacted tax rates and laws that will apply to taxable income for the years in which those tax assets are expected to be realized or settled. We then assess the likelihood our deferred tax assets will be realized and to the extent we believe realization is not more likely than not, we establish a valuation allowance. When we establish a valuation allowance or increase this allowance in an accounting period, we record a corresponding income tax expense in our consolidated statements of income and comprehensive income. In assessing the need for the valuation allowance, we consider future taxable income in the jurisdictions we operate; our ability to carry back tax attributes to prior years; an analysis of our deferred tax assets and the periods over which they will be realizable; and ongoing prudent and feasible tax planning strategies. An increase in the valuation allowance would have an adverse impact, which could be material, on our income tax provision and net income in the period in which we record the increase. We recognize and measure benefits for uncertain tax positions using a two-step approach. The first step is to evaluate the tax position taken or expected to be taken in a tax return by determining if the technical merits of the tax position indicate it is more likely than not that the tax position will be sustained upon audit, including resolution of any related appeals or litigation processes. For tax positions more likely than not of being sustained upon audit, the second step is to measure the tax benefit as the largest amount more than 50% likely of being realized upon settlement. Significant judgment is required to evaluate uncertain tax positions and they are evaluated on a quarterly basis. Our evaluations are based upon a number of factors, including changes in facts or circumstances, changes in tax law, correspondence with tax authorities during the course of audits and effective settlement of audit issues. Changes in the recognition or measurement of uncertain tax positions could result in material increases or decreases in our income tax expense in the period in which we make the change, which could have a material impact on our effective tax rate and operating results.
Earnings per Share	Earnings per Share Basic earnings per share are computed on the basis of the weighted-average number of common shares outstanding during the period under measurement. Diluted earnings per share are based on the weighted-average number of common shares outstanding and potential common shares. Potential common shares result from the assumed exercise of outstanding stock options or other potentially dilutive equity instruments, when they are dilutive under the treasury stock method.
Comprehensive Income	Comprehensive Income Comprehensive income is the change in our equity (net assets) during each period from transactions and other events and circumstances from non-owner sources. It includes net income and foreign currency translation adjustments.
Foreign Currency and Derivative Financial Instruments	Foreign Currency and Derivative Financial Instruments We have determined that the functional currency of each foreign operation is the local currency. Assets and liabilities denominated in their local foreign currencies are translated into U.S. dollars at the exchange rate on the balance sheet date. Revenues and expenses are translated at average rates of exchange prevailing during the period. Foreign currency translation adjustments are accumulated as a separate component of consolidated stockholders’ deficit. We utilize derivative instruments to manage market risks associated with fluctuations in certain foreign currency exchange rates as they relate to specific balances of accounts receivable and cash denominated in foreign currencies. We principally utilize foreign currency forward contracts to protect against market risks arising in the normal course of business. Our policies prohibit the use of derivative instruments for the sole purpose of trading for profit on price fluctuations or to enter into contracts that intentionally increase our underlying exposure. All of our foreign currency forward contracts have maturity periods of less than three months.
Share-Based Compensation	Share-Based Compensation three
Advertising and Promotion Costs	Advertising and Promotion Costs
New Accounting Pronouncements	New Accounting Pronouncements Recent Accounting Pronouncements Adopted In October 2021, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2021-08, “ Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers ” (“ASU 2021-08”). ASU 2021-08 requires an acquirer in a business combination to recognize and measure contract assets and contract liabilities from acquired contracts using the revenue recognition guidance under Accounting Standards Codification Topic 606, Revenue from Contracts with Customers , in order to align the recognition of a contract liability with the definition of a performance obligation. We adopted ASU 2021-08 in the first quarter of fiscal 2024 and the adoption did not have a significant impact on our consolidated financial statements. Recent Accounting Pronouncements Not Yet Adopted In November 2023, the FASB issued ASU No. 2023-07, “ Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures ” (“ASU 2023-07”). ASU 2023-07 expands annual and interim disclosure requirements for reportable segments, primarily through enhanced disclosures about significant segment expenses. The standard is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, which means that it will be effective for our annual periods beginning October 1, 2024, and our interim periods beginning October 1, 2025. Early adoption is permitted. We are currently evaluating the impact that the updated standard will have on our disclosures within our consolidated financial statements. In December 2023, the FASB issued ASU No. 2023-09, “ Income Taxes (Topic 740): Improvements to Income Tax Disclosures ” (“ASU 2023-09”). ASU 2023-09 requires disaggregated information about a reporting entity’s effective tax rate reconciliation as well as disaggregated information on income tax paid. The standard is effective for fiscal years beginning after December 15, 2024, which means that it will be effective for our fiscal years beginning October 1, 2025. Early adoption is permitted. We are currently evaluating the impact that the updated standard will have on our disclosures within our consolidated financial statements. We do not expect that any other recently issued accounting pronouncements will have a significant effect on our consolidated financial statements.
Leases policy	We lease office space and data centers under operating lease arrangements, which constitute the majority of our lease obligations. We also enter into finance lease agreements from time to time for certain computer equipment. For any lease with a lease term in excess of 12 months, the related lease assets and liabilities are recognized on our consolidated balance sheets as operating leases or finance leases at the commencement of an agreement where it is determined that a lease exists. We have lease agreements that contain both lease and non-lease components, and we have elected to combine these components together and account for them as a single lease component for all classes of assets. Leases with a lease term of 12 months or less are not recorded on our consolidated balance sheets. Furthermore, we recognize lease expense for these leases on a straight-line basis over the lease term.
Goodwill, Policy	Goodwill represents the excess of cost over the fair value of identifiable assets acquired and liabilities assumed in business combinations. We assess goodwill for impairment for each of our reporting units on an annual basis during our fourth fiscal quarter using a July 1 measurement date unless circumstances require a more frequent measurement. We have determined that our reporting units are the same as our reportable segments. When evaluating goodwill for impairment, we may first perform an assessment qualitatively whether it is more likely than not that a reporting unit's carrying amount exceeds its fair value, referred to as a “step zero” approach. If, based on the review of the qualitative factors, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, we would bypass the two-step impairment test. Events and circumstances we consider in performing the “step zero” qualitative assessment include macro-economic conditions, market and industry conditions, internal cost factors, share price fluctuations, and the operational stability and overall financial performance of the reporting units. If we conclude that it is more likely than not that a reporting unit's fair value is less than its carrying amount, we would perform the first step (“step one”) of the two-step impairment test and calculate the estimated fair value of the reporting unit by using discounted cash flow valuation models and by comparing our reporting units to guideline publicly-traded companies. These methods require estimates of our future revenues, profits, capital expenditures, working capital, and other relevant factors, as well as selecting appropriate guideline publicly-traded companies for each reporting unit. We estimate these amounts by evaluating historical trends, current budgets, operating plans, industry data, and other relevant factors. Alternatively, we may bypass the qualitative assessment described above for any reporting unit in any period and proceed directly to performing step one of the goodwill impairment test.

Revenue from Contract with Cust

Revenue from Contract with Customer (Policies)	12 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Revenue from Contract with Customer	Contracts with Customers Our revenue is primarily derived from on-premises software and SaaS subscriptions, professional services and scoring services. For contracts with customers that contain various combinations of products and services, we evaluate whether the products or services are distinct — distinct products or services will be accounted for as separate performance obligations, while non-distinct products or services are combined with others to form a single performance obligation. For contracts with multiple performance obligations, the transaction price is allocated to each performance obligation on a relative standalone selling price (“SSP”) basis. Revenue is recognized when control of the promised goods or services is transferred to our customers. Our on-premises software is primarily sold on a subscription basis, which includes a term-based license and post-contract support or maintenance, both of which generally represent distinct performance obligations and are accounted for separately. The transaction price is either a fixed fee, or a usage-based fee — sometimes subject to a guaranteed minimum. When the amount is fixed, including the guaranteed minimum in a usage-based fee, license revenue is recognized at the point in time when the software is made available to the customer. Maintenance revenue is recognized ratably over the contract period as customers simultaneously consume and receive benefits. Any usage-based fees not subject to a guaranteed minimum or earned in excess of the minimum amount are recognized when the subsequent usage occurs. We occasionally sell software arrangements consisting of on-premises perpetual licenses and maintenance. License revenue is recognized at a point in time when the software is made available to the customer and maintenance revenue is recognized ratably over the contract term. Our SaaS products provide customers with access to and standard support for our software on a subscription basis, delivered through our own infrastructure or third-party cloud services. The SaaS transaction contracts typically include a guaranteed minimum fee per period that allows up to a certain level of usage and a consumption-based variable fee in excess of the minimum threshold; or a consumption-based variable fee not subject to a minimum threshold. The nature of our SaaS arrangements is to provide continuous access to our hosted solutions in the cloud, i.e., a stand-ready obligation that comprises a series of distinct service periods (e.g., a series of distinct daily, monthly or annual periods of service). We estimate the total variable consideration at contract inception — subject to any constraints that may apply — and update the estimates as new information becomes available and recognize the amount ratably over the SaaS service period, unless we determine it is appropriate to allocate the variable amount to each distinct service period and recognize revenue as each distinct service period is performed. Variable consideration is included in the transaction price if, in our judgment, it is probable that a significant future reversal of cumulative revenue recognized under the contract will not occur. Variable consideration is estimated based on either the expected value or the most likely amount method depending on which method we expect to better predict the amount of consideration to which we will be entitled. Our estimates of variable consideration are based largely on an assessment of our anticipated performance and all information (historical, current and forecasted) that is reasonably available to us at contract inception and require judgment. Our professional services include software implementation, consulting, model development and training. Professional services are sold either standalone, or together with other products or services and generally represent distinct performance obligations. The transaction price can be a fixed amount or a variable amount based upon the time and materials expended. Revenue on fixed-price services is recognized using an input method based on labor hours expended, which we believe provides a faithful depiction of the transfer of services. Revenue on services provided on a time and materials basis is recognized by applying the “right-to-invoice” practical expedient as the amount to which we have a right to invoice the customer corresponds directly with the value of our performance to the customer. Our scoring services include both business-to-business and business-to-consumer offerings. Our business-to-business scoring services typically include a license that grants consumer reporting agencies the right to use our scoring solutions in exchange for a usage-based royalty. Revenue is generally recognized when the usage occurs. Business-to-consumer offerings provide consumers with access to their FICO ® Scores and credit reports, as well as other value-add services. These are provided as either a one-time or ongoing subscription service renewed monthly or annually, all with a fixed consideration. The nature of the subscription service is a stand-ready obligation to generate credit reports, provide credit monitoring, and other services for our customers, which comprises a series of distinct service periods (e.g., a series of distinct daily, monthly or annual periods of service). Revenue from one-time or monthly subscription services is recognized during the period when service is performed. Revenue from annual subscription services is recognized ratably over the subscription period.

Nature of Business and Summar_3

Nature of Business and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Estimated Useful Life of Property and Equipment	Depreciation and amortization charges are calculated using the straight-line method over the following estimated useful lives: Estimated Useful Life Data processing equipment and purchased software 3 years to 6 years Internal-use software 4 years Office furniture and equipment 3 years to 7 years Leasehold improvements Shorter of estimated

Cash, Cash Equivalents and Ma_2

Cash, Cash Equivalents and Marketable Securities (Tables)	12 Months Ended
	Sep. 30, 2024
Cash and Cash Equivalents [Abstract]
Cash, Cash Equivalents and Investments	The following is a summary of cash, cash equivalents and marketable securities at September 30, 2024 and 2023: September 30, 2024 September 30, 2023 Amortized Fair Value Amortized Fair Value (In thousands) Cash and Cash Equivalents: Cash $ 142,768 $ 142,768 $ 113,157 $ 113,157 Money market funds 731 731 23,621 23,621 Bank time deposits 7,168 7,168 — — Total $ 150,667 $ 150,667 $ 136,778 $ 136,778 Marketable Securities: Marketable securities $ 36,044 $ 45,289 $ 31,100 $ 33,014

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis	The following tables represent financial assets that we measured at fair value on a recurring basis at September 30, 2024 and 2023: September 30, 2024 Active Markets for Fair Value as of September 30, 2024 (In thousands) Assets: Cash equivalents (1) $ 7,899 $ 7,899 Marketable securities (2) 45,289 45,289 Total $ 53,188 $ 53,188 September 30, 2023 Active Markets for Fair Value as of September 30, 2023 (In thousands) Assets: Cash equivalents (1) $ 23,621 $ 23,621 Marketable securities (2) 33,014 33,014 Total $ 56,635 $ 56,635 (1) Included in cash and cash equivalents on our consolidated balance sheets at September 30, 2024 and 2023. Not included in these tables are cash deposits of $142.8 million and $113.2 million at September 30, 2024 and 2023, respectively. (2) Represents securities held under a supplemental retirement and savings plan for certain officers and senior management employees, which are distributed upon termination or retirement of the employees. Included in marketable securities on our consolidated balance sheets at September 30, 2024 and 2023.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Notional Amounts of Outstanding Derivative Positions	The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2024 and 2023: September 30, 2024 Contract Amount Fair Value Foreign USD USD (In thousands) Sell foreign currency: Euro (EUR) EUR 13,000 $ 14,531 — Buy foreign currency: British pound (GBP) GBP 12,237 $ 16,400 — Singapore dollar (SGD) SGD 7,404 $ 5,800 — September 30, 2023 Contract Amount Fair Value Foreign USD USD (In thousands) Sell foreign currency: Euro (EUR) EUR 12,900 $ 13,621 — Buy foreign currency: British pound (GBP) GBP 10,700 $ 13,100 — Singapore dollar (SGD) SGD 8,569 $ 6,300 —
Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	Year Ended September 30, 2024 2023 2022 (In thousands) Gain (loss) on foreign currency forward contracts $ 1,580 $ 1,625 $ (2,748)

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table summarizes changes to goodwill during fiscal 2024 and 2023, both in total and as allocated to our segments. As of September 30, 2024, there was no accumulated goodwill impairment loss. Scores Software Total (In thousands) Balance at September 30, 2022 $ 146,648 $ 614,419 $ 761,067 Foreign currency translation adjustment — 12,260 12,260 Balance at September 30, 2023 146,648 626,679 773,327 Foreign currency translation adjustment — 9,425 9,425 Balance at September 30, 2024 $ 146,648 $ 636,104 $ 782,752

Composition of Certain Financ_2

Composition of Certain Financial Statement Captions (Tables)	12 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Property, Plant and Equipment	The following table presents the composition of property and equipment, net and other accrued liabilities at September 30, 2024 and 2023: September 30, 2024 2023 (In thousands) Property and equipment, net: Data processing equipment and purchased software $ 74,084 $ 69,928 Internal-use software 16,510 — Office furniture and equipment 9,473 12,296 Leasehold improvements 15,851 16,743 Less: accumulated depreciation and amortization (77,453) (88,001) Total $ 38,465 $ 10,966 Other accrued liabilities: Interest payable $ 21,663 $ 20,770 Other 58,149 38,708 Total $ 79,812 $ 59,478

Debt (Tables)

Debt (Tables)	12 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Debt	The following table represents our debt at carrying value at September 30, 2024 and September 30, 2023: September 30, September 30, (In thousands) Current maturities on debt: Revolving line of credit $ — $ 35,000 The $300 Million Term Loan 15,000 15,000 Current maturities on debt 15,000 50,000 Long-term debt: Revolving line of credit 210,000 265,000 The $300 Million Term Loan 243,750 258,750 The $450 Million Term Loan 450,000 — The 2018 Senior Notes 400,000 400,000 The 2019 Senior Notes and the 2021 Senior Notes 900,000 900,000 Less: debt issuance costs (9,729) (12,092) Long-term debt 2,194,021 1,811,658 Total debt $ 2,209,021 $ 1,861,658
Future Principal Payments on Term Loans	Future principal payments for the term loans are as follows: Year Ending September 30, (In thousands) 2025 $ 15,000 2026 693,750 Total $ 708,750 Future principal payments for the Senior Notes are as follows: Year Ending September 30, (In thousands) 2026 $ 400,000 2027 — 2028 900,000 Total $ 1,300,000
Principal Amounts Carrying amounts and Fair Values of Senior Notes	The following table presents the face values and fair values for the Senior Notes at September 30, 2024 and 2023: September 30, 2024 September 30, 2023 Face Value Fair Value Face Value Fair Value (In thousands) The 2018 Senior Notes $ 400,000 $ 399,500 $ 400,000 $ 386,000 The 2019 Senior Notes and the 2021 Senior Notes 900,000 864,000 900,000 803,250 Total $ 1,300,000 $ 1,263,500 $ 1,300,000 $ 1,189,250

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue	The following tables provide information about disaggregated revenue by primary geographical market: Year Ended September 30, 2024 Scores Software Total Percentage (Dollars in thousands) Americas $ 905,266 $ 544,622 $ 1,449,888 84 % Europe, Middle East and Africa 5,908 163,618 169,526 10 % Asia Pacific 8,476 89,636 98,112 6 % Total $ 919,650 $ 797,876 $ 1,717,526 100 % Year Ended September 30, 2023 Scores Software Total Percentage (Dollars in thousands) Americas $ 763,874 $ 523,076 $ 1,286,950 85 % Europe, Middle East and Africa 5,802 135,562 141,364 9 % Asia Pacific 4,152 81,091 85,243 6 % Total $ 773,828 $ 739,729 $ 1,513,557 100 % Year Ended September 30, 2022 Scores Software Total Percentage (Dollars in thousands) Americas $ 691,006 $ 439,705 $ 1,130,711 82 % Europe, Middle East and Africa 4,475 142,824 147,299 11 % Asia Pacific 11,162 88,098 99,260 7 % Total $ 706,643 $ 670,627 $ 1,377,270 100 % The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deployment method: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) On-premises software $ 313,632 $ 292,763 $ 280,649 44 % 46 % 50 % SaaS software 397,708 347,419 284,102 56 % 54 % 50 % Total $ 711,340 $ 640,182 $ 564,751 100 % 100 % 100 % The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by product features: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Platform software $ 200,004 $ 154,750 $ 116,252 28 % 24 % 21 % Non-Platform software 511,336 485,432 448,499 72 % 76 % 79 % Total $ 711,340 $ 640,182 $ 564,751 100 % 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: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Software recognized at a point in time (1) $ 76,284 $ 72,843 $ 75,647 11 % 11 % 13 % Software recognized over contract term (2) 635,056 567,339 489,104 89 % 89 % 87 % Total $ 711,340 $ 640,182 $ 564,751 100 % 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: Year Ended September 30, Percentage of revenues 2024 2023 2022 2024 2023 2022 (Dollars in thousands) Business-to-business Scores $ 711,843 $ 560,995 $ 475,442 77 % 72 % 67 % Business-to-consumer Scores 207,807 212,833 231,201 23 % 28 % 33 % Total $ 919,650 $ 773,828 $ 706,643 100 % 100 % 100 %
Receivables	Receivables at September 30, 2024 and 2023 consisted of the following: September 30, 2024 2023 (In thousands) Billed $ 264,942 $ 234,745 Unbilled 210,795 203,896 475,737 438,641 Less: allowance for doubtful accounts (6,454) (4,978) Net receivables 469,283 433,663 Less: long-term receivables ( * ) (42,641) (45,716) Short-term receivables ( * ) $ 426,642 $ 387,947 (*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying consolidated balance sheets.
Accounts Receivable, Allowance for Credit Loss	Activity in the allowance for doubtful accounts was as follows: Year Ended September 30, 2024 2023 (In thousands) Allowance for doubtful accounts, beginning balance $ 4,978 $ 4,218 Add: expense 1,675 1,475 Less: write-offs (net of recoveries) (199) (715) Allowance for doubtful accounts, ending balance $ 6,454 $ 4,978
Contract with Customer, Asset and Liability	Significant changes in the deferred revenues balances are as follows: Year Ended September 30, 2024 2023 (In thousands) Deferred revenues, beginning balance $ 143,235 $ 126,560 Revenue recognized that was included in the deferred revenues balance at the beginning of the period (133,554) (113,341) Increases due to billings, excluding amounts recognized as revenue during the period 150,528 130,016 Deferred revenues, ending balance ( * ) $ 160,209 $ 143,235

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Provision for Income Taxes	The provision for income taxes was as follows during fiscal 2024, 2023 and 2022: Year ended September 30, 2024 2023 2022 (In thousands) Current: Federal $ 110,402 $ 112,456 $ 50,403 State 10,199 16,844 8,952 Foreign 35,943 42,327 30,597 156,544 171,627 89,952 Deferred: Federal (26,227) (37,884) 8,165 State (1,712) (15,025) 507 Foreign 609 5,531 (856) (27,330) (47,378) 7,816 Total provision $ 129,214 $ 124,249 $ 97,768
Deferred Tax Assets and Liabilities	Deferred tax assets and liabilities at September 30, 2024 and 2023 were as follows: September 30, 2024 2023 (In thousands) Deferred tax assets: Loss and credit carryforwards $ 7,717 $ 12,309 Compensation benefits 32,093 30,490 Operating lease liabilities 7,881 9,396 Research and development costs 67,795 34,730 Other assets 18,241 17,327 133,727 104,252 Less: valuation allowance — (2,183) Total deferred tax assets 133,727 102,069 Deferred tax liabilities: Intangible assets (7,812) (7,226) Deferred commission (14,484) (14,017) Operating lease right-of-use assets (7,240) (6,228) Other liabilities (17,678) (15,462) Total deferred tax liabilities (47,214) (42,933) Deferred tax assets, net $ 86,513 $ 59,136
Reconciliation Between Federal Statutory Income Tax Rate and Effective Tax Rate	A reconciliation of the provision for income taxes, with the amount computed by applying the U.S. federal statutory income tax rate of 21% to income before provision for income taxes for fiscal 2024, 2023 and 2022 is shown below: Year Ended September 30, 2024 2023 2022 (In thousands) Income tax provision at U.S. federal statutory rate $ 134,825 $ 116,261 $ 98,975 State income taxes, net of U.S. federal benefit 13,109 14,135 8,359 Foreign tax rate differential 6,675 9,489 3,058 Research credits (5,472) (3,600) (5,932) Valuation allowance (2,183) (14,451) (11,768) Excess tax benefits relating to share-based compensation (14,907) (949) 702 GILTI, FDII, BEAT and FTC (9,265) (9,010) (2,491) Other 6,432 12,374 6,865 Recorded income tax provision $ 129,214 $ 124,249 $ 97,768
Schedule of Unrecognized Tax Benefits Roll Forward	A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Gross unrecognized tax benefits at beginning of year $ 13,849 $ 12,980 $ 10,897 Gross increases for tax positions in prior years 4,769 — 593 Gross decreases for tax positions in prior years (1,956) (1,127) — Gross increases based on tax positions related to the current year 4,277 3,650 3,250 Decreases for settlements and payments — (523) — Decreases due to statute expiration (1,060) (1,131) (1,760) Gross unrecognized tax benefits at end of year $ 19,879 $ 13,849 $ 12,980

Stock-Based Employee Benefit _2

Stock-Based Employee Benefit Plans (Tables)	12 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Assumptions Used to Estimate Fair Value of Stock Options	We used the following assumptions to estimate the fair value of our stock options during fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 2023 2022 Stock Options: Weighted-average expected term (years) 4.46 5.23 4.43 Expected volatility (range) 33.6 - 33.9 % 33.4 - 35.5 % 32.9 - 34.1 % Weighted-average volatility 33.7 % 33.5 % 33.2 % Risk-free interest rate (range) 4.18 - 4.30 % 3.40 - 4.49 % 1.18 - 2.85 % Weighted-average expected dividend yield — % — % — %
Summary of Option Activity	The following table summarizes option activity during fiscal 2024: Shares Weighted- Weighted- Aggregate (In thousands) (In years) (In thousands) Outstanding at September 30, 2023 227 $ 387.95 Granted 9 1,198.00 Exercised (47) 176.46 Outstanding at September 30, 2024 189 $ 479.26 3.30 $ 277,150 Exercisable at September 30, 2024 119 $ 290.75 1.98 $ 196,829 Vested or expected to vest at September 30, 2024 185 $ 471.93 3.25 $ 272,681
Summary of Restricted Stock Unit and Market Stock Unit Activity	The following table summarizes the RSUs activity during fiscal 2024: Shares Weighted-average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 376 $ 508.23 Granted 97 1,150.58 Released (148) 478.44 Forfeited (20) 567.62 Outstanding at September 30, 2024 305 $ 724.40 The following table summarizes the MSUs activity during fiscal 2024: Shares Weighted- average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 87 $ 844.24 Granted 64 1,014.75 Released (84) 737.77 Forfeited (5) 845.67 Outstanding at September 30, 2024 62 $ 1,161.62
Summary of Performance Stock Unit Activity	The following table summarizes the PSUs activity during fiscal 2024: Shares Weighted- average Grant-date Fair Value (In thousands) Outstanding at September 30, 2023 115 $ 519.54 Granted 35 1,134.39 Released (57) 502.66 Forfeited (8) 529.92 Outstanding at September 30, 2024 85 $ 786.85
Assumptions Used to Estimate Fair Value of Market Stock Units	We used the following assumptions to estimate the fair value of our MSUs during fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 2023 2022 Expected volatility in FICO’s stock price 36.3 % 47.3 % 42.3 % Expected volatility in Russell 3000 Index 18.2 % 26.0 % 23.3 % Correlation between FICO and the Russell 3000 Index 60.3 % 73.5 % 74.7 % Risk-free interest rate 4.39 % 4.02 % 0.97 % Average expected dividend yield — % — % — %

Earnings per Share (Tables)

Earnings per Share (Tables)	12 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Reconciliation of Numerators and Denominators of Basic and Diluted Earnings Per Share	The following table presents reconciliations for the numerators and denominators of basic and diluted earnings per share (“EPS”) during fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 2023 2022 (In thousands, except per share data) Numerator for diluted and basic earnings per share: Net income $ 512,811 $ 429,375 $ 373,541 Denominator — share: Basic weighted-average shares 24,676 24,986 26,042 Effect of dilutive securities 403 381 305 Diluted weighted-average shares 25,079 25,367 26,347 Earnings per share: Basic $ 20.78 $ 17.18 $ 14.34 Diluted $ 20.45 $ 16.93 $ 14.18

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Sep. 30, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following tables summarize segment information for fiscal 2024, 2023 and 2022: Year Ended September 30, 2024 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 711,340 $ — $ 711,340 Professional services — 86,536 — 86,536 Scores 919,650 — — 919,650 Total segment revenues 919,650 797,876 — 1,717,526 Segment operating expense (106,296) (540,347) (186,898) (833,541) Segment operating income $ 813,354 $ 257,529 $ (186,898) $ 883,985 Unallocated share-based compensation expense (149,439) Unallocated amortization expense (917) Operating income 733,629 Unallocated interest expense, net (105,638) Unallocated other income, net 14,034 Income before income taxes $ 642,025 Depreciation and amortization $ 451 $ 8,881 $ 66 $ 9,398 Year Ended September 30, 2023 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 640,182 $ — $ 640,182 Professional services — 99,547 — 99,547 Scores 773,828 — — 773,828 Total segment revenues 773,828 739,729 — 1,513,557 Segment operating expense (92,757) (498,538) (156,426) (747,721) Segment operating income $ 681,071 $ 241,191 $ (156,426) 765,836 Unallocated share-based compensation expense (123,847) Unallocated amortization expense (1,100) Unallocated gain on product line asset sale 1,941 Operating income 642,830 Unallocated interest expense, net (95,546) Unallocated other income, net 6,340 Income before income taxes $ 553,624 Depreciation and amortization $ 485 $ 9,550 $ 71 $ 10,106 Year Ended September 30, 2022 Scores Software Unallocated Total (In thousands) Segment revenues: On-premises and SaaS software $ — $ 564,751 $ — $ 564,751 Professional services — 105,876 — 105,876 Scores 706,643 — — 706,643 Total segment revenues 706,643 670,627 — 1,377,270 Segment operating expense (87,288) (487,505) (142,647) (717,440) Segment operating income $ 619,355 $ 183,122 $ (142,647) 659,830 Unallocated share-based compensation expense (115,355) Unallocated amortization expense (2,061) Operating income 542,414 Unallocated interest expense, net (68,967) Unallocated other expense, net (2,138) Income before income taxes $ 471,309 Depreciation and amortization $ 723 $ 14,412 $ 107 $ 15,242

Leases (Tables)

Leases (Tables)	12 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Schedule of Operating & Finance Lease Assets and Liabilities	The following table presents the lease balances within the accompanying consolidated balance sheets as of September 30, 2024 and 2023: Balance Sheet Location September 30, 2024 2023 (In thousands) Assets Operating leases Operating lease right-of-use assets $ 29,580 $ 25,703 Finance leases (*) Property and equipment, net 9,881 — Total lease assets $ 39,461 $ 25,703 Liabilities Current: Operating leases Other accrued liabilities $ 11,555 $ 16,336 Finance leases Other accrued liabilities 3,144 — Non-current: Operating leases Operating lease liabilities 21,963 23,903 Finance leases Other liabilities 7,263 — Total lease liabilities $ 43,925 $ 40,239 (*) Finance leases were recorded net of accumulated depreciation of $1.9 million at September 30, 2024.
Schedule of Lease Expenses, Weighted Average Lease Term and Weighted Average Discount Rates, and Supplemental Cash Flow Information	The components of our operating and finance lease expenses were as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Operating lease cost $ 14,421 $ 16,594 $ 18,426 Finance lease cost: Depreciation of lease assets 1,859 — — Interest on lease liabilities 369 — — Short-term lease cost 811 461 201 Variable lease cost 2,060 2,363 2,091 Sublease income (1,073) (429) — Total lease cost $ 18,447 $ 18,989 $ 20,718 The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases: September 30, 2024 2023 Operating leases: Weighted-average remaining lease term (in months) 44 35 Weighted-average discount rate 6.41 % 4.58 % Finance leases: Weighted-average remaining lease term (in months) 40 0 Weighted-average discount rate 5.52 % — % Supplemental cash flow information related to our non-cancellable leases was as follows: Year Ended September 30, 2024 2023 2022 (In thousands) Cash paid for amounts included in the measurement of lease liabilities: Operating cash outflow for operating leases $ 18,153 $ 19,780 $ 22,021 Operating cash outflow for finance leases 369 — — Financing cash outflow for finance leases 1,333 — — Lease assets obtained in exchange for new lease liabilities: Operating leases 22,433 4,150 7,505 Finance leases 11,740 — —
Schedule of Future Lease Payments, Operating Leases	Future lease payments under our non-cancellable leases as of September 30, 2024 were as follows: Operating Leases Finance Leases (In thousands) Fiscal 2025 $ 13,378 $ 3,625 Fiscal 2026 9,805 3,625 Fiscal 2027 5,618 3,625 Fiscal 2028 4,439 441 Fiscal 2029 2,626 — Thereafter 2,039 — Total future undiscounted lease payments 37,905 11,316 Less imputed interest (4,387) (909) Total reported lease liabilities $ 33,518 $ 10,407
Schedule of Future Lease Payments, Finance Leases	Future lease payments under our non-cancellable leases as of September 30, 2024 were as follows: Operating Leases Finance Leases (In thousands) Fiscal 2025 $ 13,378 $ 3,625 Fiscal 2026 9,805 3,625 Fiscal 2027 5,618 3,625 Fiscal 2028 4,439 441 Fiscal 2029 2,626 — Thereafter 2,039 — Total future undiscounted lease payments 37,905 11,316 Less imputed interest (4,387) (909) Total reported lease liabilities $ 33,518 $ 10,407

Commitment and Contingencies (T

Commitment and Contingencies (Tables)	12 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Contractual Obligation, Fiscal Year Maturity	Future minimum payments under our non-cancellable purchase obligations as of September 30, 2024 were as follows: Year Ending September 30, (In thousands) 2025 $ 62,271 2026 57,835 2027 2,594 Total $ 122,700

Nature of Business and Summar_4

Nature of Business and Summary of Significant Accounting Policies - Estimated Useful Life of Property and Equipment (Details)	Sep. 30, 2024
Data processing equipment and purchased software | Minimum
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life	3 years
Data processing equipment and purchased software | Maximum
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life	6 years
Office furniture and equipment | Minimum
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life	3 years
Office furniture and equipment | Maximum
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life	7 years
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, Plant, and Equipment, Useful Life, Term, Description [Extensible Enumeration]	Useful Life, Shorter of Lease Term or Asset Utility [Member]
Software Development
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life	4 years

Nature of Business and Summar_5

Nature of Business and Summary of Significant Accounting Policies - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Accounting Policies [Abstract]
Depreciation and amortization, property and equipment	$ 9.4	$ 10.1	$ 15.2
Foreign exchange gains (losses)	(0.6)	(2.6)	1.9
Advertising and promotion costs	$ 12.3	$ 9.8	$ 8.1

Business Divestiture (Details)

Business Divestiture (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Discontinued Operations and Disposal Groups [Abstract]
Gain (Loss) on Disposition of Business	$ 0	$ 1,941	$ 0
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Gain (Loss) on Disposition of Business	$ 0	1,941	$ 0
Siron Compliance Business
Discontinued Operations and Disposal Groups [Abstract]
Gain (Loss) on Disposition of Business		1,900
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Gain (Loss) on Disposition of Business		$ 1,900

Cash, Cash Equivalents and Ma_3

Cash, Cash Equivalents and Marketable Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Cash
Cash, cash equivalents and marketable securities [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI, Cost	$ 142,768	$ 113,157
Debt Securities, Trading, and Equity Securities, FV-NI	142,768	113,157
Money market funds
Cash, cash equivalents and marketable securities [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI, Cost	731	23,621
Debt Securities, Trading, and Equity Securities, FV-NI	731	23,621
Bank Time Deposits
Cash, cash equivalents and marketable securities [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI, Cost	7,168	0
Debt Securities, Trading, and Equity Securities, FV-NI	7,168	0
Cash and Cash Equivalents
Cash, cash equivalents and marketable securities [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI, Cost	150,667	136,778
Debt Securities, Trading, and Equity Securities, FV-NI	150,667	136,778
Equity Securities
Cash, cash equivalents and marketable securities [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI, Cost	36,044	31,100
Debt Securities, Trading, and Equity Securities, FV-NI	$ 45,289	$ 33,014

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Sep. 30, 2023
Equity Securities
Assets:
Debt Securities, Trading, and Equity Securities, FV-NI		$ 45,289	$ 33,014
Fair Value, Measurements, Recurring
Assets:
Total		53,188	56,635
Fair Value, Measurements, Recurring | Cash
Assets:
Cash equivalents	[1]	7,899	23,621
Fair Value, Measurements, Recurring | Equity Securities
Assets:
Debt Securities, Trading, and Equity Securities, FV-NI	[2]	45,289	33,014
Fair Value, Measurements, Recurring | Active Markets for Identical Instruments (Level 1)
Assets:
Total		53,188	56,635
Fair Value, Measurements, Recurring | Active Markets for Identical Instruments (Level 1) | Cash
Assets:
Cash equivalents	[1]	7,899	23,621
Fair Value, Measurements, Recurring | Active Markets for Identical Instruments (Level 1) | Equity Securities
Assets:
Debt Securities, Trading, and Equity Securities, FV-NI	[2]	$ 45,289	$ 33,014
[1] Included in cash and cash equivalents on our consolidated balance sheets at September 30, 2024 and 2023. Not included in these tables are cash deposits of $142.8 million and $113.2 million at September 30, 2024 and 2023, respectively. Represents securities held under a supplemental retirement and savings plan for certain officers and senior management employees, which are distributed upon termination or retirement of the employees. Included in marketable securities on our consolidated balance sheets at September 30, 2024 and 2023.

Fair Value Measurements - Fin_2

Fair Value Measurements - Financial Assets Measured at Fair Value on Recurring Basis - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2024	Sep. 30, 2023
Cash
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash deposits	$ 142.8	$ 113.2

Derivative Financial Instrume_3

Derivative Financial Instruments - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Derivative [Line Items]
Short-term forward contracts, average maturities at inception	3 months
Foreign Currency Forward Contracts
Derivative [Line Items]
Forward foreign currency contracts fair value	$ 0	$ 0

Derivative Financial Instrume_4

Derivative Financial Instruments - Summary of Outstanding Forward Foreign Currency Contracts by Currency (Details) - Foreign Currency Forward Contracts - Not Designated as Hedging Instrument € in Thousands, £ in Thousands, $ in Thousands, $ in Thousands	Sep. 30, 2024 EUR (€)	Sep. 30, 2024 USD ($)	Sep. 30, 2024 GBP (£)	Sep. 30, 2024 SGD ($)	Sep. 30, 2023 EUR (€)	Sep. 30, 2023 USD ($)	Sep. 30, 2023 GBP (£)	Sep. 30, 2023 SGD ($)
Foreign Exchange Contracts To Sell European Euro for US Dollar | Short
Derivative [Line Items]
Contract amount of forward foreign currency contracts	€ 13,000	$ 14,531			€ 12,900	$ 13,621
Fair value of forward foreign currency contracts to sell and buy foreign currency		0				0
Foreign Exchange Contracts To Purchase British Pounds With US Dollars | Long
Derivative [Line Items]
Contract amount of forward foreign currency contracts		16,400	£ 12,237			13,100	£ 10,700
Fair value of forward foreign currency contracts to sell and buy foreign currency		0				0
Foreign Exchange Contracts To Purchase Singapore Dollars With United States Dollars | Long
Derivative [Line Items]
Contract amount of forward foreign currency contracts		5,800		$ 7,404		6,300		$ 8,569
Fair value of forward foreign currency contracts to sell and buy foreign currency		$ 0				$ 0

Derivative Financial Instrume_5

Derivative Financial Instruments - Gains Losses on Derivative Financial Instruments Recorded in Consolidated Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Foreign Currency Forward Contracts
Derivative [Line Items]
Gain (loss) on foreign currency forward contracts	$ (1,580)	$ (1,625)	$ 2,748

Goodwill - Summary of Changes t

Goodwill - Summary of Changes to Goodwill (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Goodwill [Roll Forward]
Beginning Balance	$ 773,327,000	$ 761,067,000
Foreign currency translation adjustment	9,425,000	12,260,000
Ending Balance	782,752,000	773,327,000
Goodwill, Impaired, Accumulated Impairment Loss	0
Software
Goodwill [Roll Forward]
Beginning Balance	626,679,000	614,419,000
Foreign currency translation adjustment	9,425,000	12,260,000
Ending Balance	636,104,000	626,679,000
Scores
Goodwill [Roll Forward]
Beginning Balance	146,648,000	146,648,000
Foreign currency translation adjustment	0	0
Ending Balance	$ 146,648,000	$ 146,648,000

Composition of Certain Financ_3

Composition of Certain Financial Statement Captions - Property and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Property, Plant and Equipment [Line Items]
Less: accumulated depreciation and amortization	$ (77,453)	$ (88,001)
Property and equipment, net	38,465	10,966
Technology Equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	74,084	69,928
Office Equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	9,473	12,296
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	15,851	16,743
Software and Software Development Costs
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 16,510	$ 0

Composition of Certain Financ_4

Composition of Certain Financial Statement Captions - Other Accrued Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Accrued Liabilities and Other Liabilities [Abstract]
Interest Payable, Current	$ 21,663	$ 20,770
Other Accrued Liabilities, Current	58,149	38,708
Other accrued liabilities	$ 79,812	$ 59,478

Debt (Details)

Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Debt Instrument [Line Items]
Current maturities on debt	$ 15,000	$ 50,000
Debt issuance costs	(9,729)	(12,092)
Long-term debt	2,194,021	1,811,658
Debt, Long-Term and Short-Term, Combined Amount	2,209,021	1,861,658
The 2018 Senior Notes
Debt Instrument [Line Items]
Senior Notes, Non-current	400,000	400,000
The 2019 and 2021 Senior Notes
Debt Instrument [Line Items]
Senior Notes, Non-current	900,000	900,000
Revolving Credit Facility
Debt Instrument [Line Items]
Line of Credit, Current	0	35,000
Revolving Credit Facility | The $300 Million Term Loan
Debt Instrument [Line Items]
Loans Payable to Bank, Current	15,000	15,000
Loans Payable to Bank, Noncurrent	243,750	258,750
Revolving Credit Facility | The $450 Million Term Loan
Debt Instrument [Line Items]
Loans Payable to Bank, Noncurrent	450,000	0
Revolving Credit Facility | Line of Credit
Debt Instrument [Line Items]
Long-Term Line of Credit, Noncurrent	$ 210,000	$ 265,000

Revolving Line of Credit and Te

Revolving Line of Credit and Term Loans (Details)	Jun. 13, 2024 USD ($)	Oct. 20, 2021 USD ($)	Aug. 19, 2021	May 08, 2018	Sep. 30, 2024 USD ($)
Line of Credit Facility [Line Items]
Line of credit, current borrowing capacity					$ 1,350,000,000
Revolving credit facility, expiration date			Aug. 19, 2026
Revolving Credit Facility
Line of Credit Facility [Line Items]
Credit facility restrictive covenant, maximum consolidated leverage ratio step up				4
Leverage Ratios Maximum				3.5
Interest coverage ratio				3
Revolving Credit Facility | Federal Fund Rate
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				0.50%
Revolving Credit Facility | Secured Overnight Financing Rate (SOFR) Rate
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				1%
Revolving Credit Facility | Secured Overnight Financing Rate (SOFR) Rate | Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				1%
Revolving Credit Facility | Secured Overnight Financing Rate (SOFR) Rate | Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				1.75%
Revolving Credit Facility | Base Rate | Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				0%
Revolving Credit Facility | Base Rate | Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate				0.75%
Revolving Credit Facility | Loans Payable
Line of Credit Facility [Line Items]
2025					15,000,000
2026					693,750,000
Term Loan Borrowing					$ 708,750,000
Revolving Credit Facility | Loans Payable | The $300 Million Term Loan
Line of Credit Facility [Line Items]
Initial Term Loan to Bank		$ 300,000,000
Line of Credit Facility, Periodic Payment		3,750,000
Interest rate of borrowings outstanding					6.344%
Term Loan Borrowing					$ 258,800,000
Revolving Credit Facility | Loans Payable | The $450 Million Term Loan
Line of Credit Facility [Line Items]
Initial Term Loan to Bank	$ 450,000,000
Revolving credit facility, expiration date	Aug. 19, 2026
Interest rate of borrowings outstanding					6.281%
Term Loan Borrowing					$ 450,000,000
Revolving Credit Facility | Line of Credit
Line of Credit Facility [Line Items]
Line of credit, current borrowing capacity		$ 600,000,000
Borrowings outstanding					$ 210,000,000
Interest rate of borrowings outstanding					6.396%

Senior Notes (Details)

Senior Notes (Details) - USD ($)	Dec. 17, 2021	Dec. 06, 2019	May 08, 2018	Sep. 30, 2024	Sep. 30, 2023
Debt Instrument [Line Items]
Total Senior Notes				$ 1,300,000,000	$ 1,300,000,000
The 2018 Senior Notes
Debt Instrument [Line Items]
Total Senior Notes				400,000,000	400,000,000
Fair value				399,500,000	386,000,000
The 2019 and 2021 Senior Notes
Debt Instrument [Line Items]
Total Senior Notes				900,000,000	900,000,000
Fair value				864,000,000	803,250,000
Senior Notes
Debt Instrument [Line Items]
2026				400,000,000
2027				0
2028				900,000,000
Fair value				$ 1,263,500,000	$ 1,189,250,000
Senior Notes | The 2018 Senior Notes
Debt Instrument [Line Items]
Debt Instrument, Face Amount			$ 400,000,000
Interest rate			5.25%
Maturity date			May 15, 2026
Senior Notes | May 2018 Senior Notes
Debt Instrument [Line Items]
Debt Instrument, Face Amount			$ 350,000,000
Interest rate			4%
Maturity date		Jun. 15, 2028
Senior Notes | Senior Notes December 2021
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 550,000,000
Interest rate	4%
Maturity date	Jun. 15, 2028

Revenue from Contracts with C_3

Revenue from Contracts with Customers - Disaggregated Revenue (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($) customer	Sep. 30, 2023 USD ($) customer	Sep. 30, 2022 USD ($) customer
Disaggregation of Revenue [Line Items]
Revenue	$ 1,717,526	$ 1,513,557	$ 1,377,270
Revenue from Contract with Customer Benchmark | Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	100%	100%	100%
Revenue from Contract with Customer Benchmark | Customer Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration risk, number of customers | customer	3	2	2
Accounts Receivable | Customer Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration risk, number of customers | customer	1
Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 919,650	$ 773,828	$ 706,643
Software
Disaggregation of Revenue [Line Items]
Revenue	$ 797,876	$ 739,729	$ 670,627
TransUnion Equifax and Experian customers | Revenue from Contract with Customer Benchmark | Customer Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	45%	41%	39%
On-Premises Software
Disaggregation of Revenue [Line Items]
Revenue	$ 313,632	$ 292,763	$ 280,649
On-Premises Software | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	44%	46%	50%
SaaS Software
Disaggregation of Revenue [Line Items]
Revenue	$ 397,708	$ 347,419	$ 284,102
SaaS Software | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	56%	54%	50%
On-premises and SaaS software
Disaggregation of Revenue [Line Items]
Revenue	$ 711,340	$ 640,182	$ 564,751
On-premises and SaaS software | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	100%	100%	100%
On-premises and SaaS software | Transferred at Point in Time
Disaggregation of Revenue [Line Items]
Revenue	$ 76,284	$ 72,843	$ 75,647
On-premises and SaaS software | Transferred at Point in Time | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	11%	11%	13%
On-premises and SaaS software | Transferred over Time
Disaggregation of Revenue [Line Items]
Revenue	$ 635,056	$ 567,339	$ 489,104
On-premises and SaaS software | Transferred over Time | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	89%	89%	87%
Platform Software
Disaggregation of Revenue [Line Items]
Revenue	$ 200,004	$ 154,750	$ 116,252
Platform Software | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	28%	24%	21%
Non-Platform Software
Disaggregation of Revenue [Line Items]
Revenue	$ 511,336	$ 485,432	$ 448,499
Non-Platform Software | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	72%	76%	79%
Business-to-business Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 711,843	$ 560,995	$ 475,442
Business-to-business Scores | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	77%	72%	67%
Business-to-consumer Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 207,807	$ 212,833	$ 231,201
Business-to-consumer Scores | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	23%	28%	33%
Scores Products
Disaggregation of Revenue [Line Items]
Revenue	$ 919,650	$ 773,828	$ 706,643
Scores Products | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	100%	100%	100%
Americas
Disaggregation of Revenue [Line Items]
Revenue	$ 1,449,888	$ 1,286,950	$ 1,130,711
Americas | Revenue from Contract with Customer Benchmark | Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	84%	85%	82%
Americas | Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 905,266	$ 763,874	$ 691,006
Americas | Software
Disaggregation of Revenue [Line Items]
Revenue	544,622	523,076	439,705
EMEA
Disaggregation of Revenue [Line Items]
Revenue	$ 169,526	$ 141,364	$ 147,299
EMEA | Revenue from Contract with Customer Benchmark | Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	10%	9%	11%
EMEA | Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 5,908	$ 5,802	$ 4,475
EMEA | Software
Disaggregation of Revenue [Line Items]
Revenue	163,618	135,562	142,824
Asia Pacific
Disaggregation of Revenue [Line Items]
Revenue	$ 98,112	$ 85,243	$ 99,260
Asia Pacific | Revenue from Contract with Customer Benchmark | Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Concentration Risk, Percentage	6%	6%	7%
Asia Pacific | Scores
Disaggregation of Revenue [Line Items]
Revenue	$ 8,476	$ 4,152	$ 11,162
Asia Pacific | Software
Disaggregation of Revenue [Line Items]
Revenue	$ 89,636	$ 81,091	$ 88,098

Revenue from Contracts with C_4

Revenue from Contracts with Customers - Contract Balances - Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Billed Receivables	$ 264,942	$ 234,745
Unbilled Receivables	210,795	203,896
Receivables Gross	475,737	438,641
Allowance for doubtful accounts	(6,454)	(4,978)	$ (4,218)
Net receivables	469,283	433,663
Accounts Receivable, net , noncurrent	(42,641)	(45,716)
Accounts receivable, net	426,642	387,947
Expense, Allowance for Credit Loss	1,675	1,475
Write-off	$ (199)	$ (715)

Revenue from Contracts with C_5

Revenue from Contracts with Customers - Contract Balances - Deferred Revenue (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Contract with Customer, Liability	$ 160,209	$ 143,235	$ 126,560
Contract with Customer, Liability, Revenue Recognized	(133,554)	(113,341)
Contract With Customer, Liability, Excluding Revenue Recognized	150,528	130,016
Contract with Customer, Liability, Current	156,900	136,700
Contract with Customer, Liability, Noncurrent	$ 3,300	$ 6,500

Revenue from Contracts with C_6

Revenue from Contracts with Customers - Contract Balances - Additional Information (Details)	12 Months Ended
	Sep. 30, 2024
Minimum
Disaggregation of Revenue [Line Items]
Contract with customer, payment term	30 days
Maximum
Disaggregation of Revenue [Line Items]
Contract with customer, payment term	60 days

Revenue from Contracts with C_7

Revenue from Contracts with Customers - Performance Obligations (Details) - USD ($) $ in Millions	Sep. 30, 2024	Sep. 30, 2023
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Revenue, Remaining Performance Obligation, Amount	$ 507.3	$ 470.5
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2024-10-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period	14 months
Revenue, Remaining Performance Obligation, Percentage	50%

Revenue from Contracts with C_8

Revenue from Contracts with Customers - Capitalized Commission Cost (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Capitalized Contract Cost, Net	$ 60,500,000	$ 58,600,000
Capitalized Contract Cost, Amortization	9,200,000	8,200,000	$ 7,200,000
Capitalized Contract Cost, Impairment Loss	$ 0	$ 0	$ 0

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Retirement Benefits [Abstract]
Eligible employees contribution to 401(k) plan (up to 25%)	25%
Employer contributions into 401(k) plans	$ 9.5	$ 8.9	$ 8.2
Employee incentive plans expenses	$ 62.5	$ 57.8	$ 55.7

Income Taxes - Provision for In

Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Current:
Federal	$ 110,402	$ 112,456	$ 50,403
State	10,199	16,844	8,952
Foreign	35,943	42,327	30,597
Current income tax	156,544	171,627	89,952
Deferred:
Federal	(26,227)	(37,884)	8,165
State	(1,712)	(15,025)	507
Foreign	609	5,531	(856)
Deferred income taxes	(27,330)	(47,378)	7,816
Total provision	$ 129,214	$ 124,249	$ 97,768

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Income Taxes [Line Items]
Foreign pretax earnings	$ 150,800	$ 172,700	$ 136,000
Current foreign tax expense related to foreign tax withholdings	14,600	12,300	9,500
Unrecognized tax benefits	19,879	$ 13,849	$ 12,980	$ 10,897
Unrecognized tax benefits that would impact the effective tax rate if recognized	18,600
Unrecognized tax benefits, accrued interest	$ 1,700
Effective income tax rate	21%
Unremitted earnings of foreign subsidiaries	$ 82,600
Deferred Tax Liabilities, Undistributed Foreign Earnings	2,800
U.S. Federal
Income Taxes [Line Items]
Net operating loss carryforwards	2,800
California Franchise Tax Board | Research Tax Credit Carryforward
Income Taxes [Line Items]
Excess state research credit	$ 7,100

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deferred tax assets:
Loss and credit carryforwards	$ 7,717	$ 12,309
Compensation benefits	32,093	30,490
Operating lease liabilities	7,881	9,396
Research and development costs	67,795	34,730
Other assets	18,241	17,327
Deferred tax assets, gross	133,727	104,252
Less: valuation allowance	0	(2,183)
Total deferred tax assets	133,727	102,069
Deferred tax liabilities:
Intangible assets	(7,812)	(7,226)
Deferred commission	(14,484)	(14,017)
Operating lease right-of-use assets	(7,240)	(6,228)
Other liabilities	(17,678)	(15,462)
Total deferred tax liabilities	(47,214)	(42,933)
Deferred tax assets, net	$ 86,513	$ 59,136

Income Taxes - Reconciliation B

Income Taxes - Reconciliation Between Federal Statutory Income Tax Rate and Effective Tax Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21%
Income tax provision at U.S. federal statutory rate	$ 134,825	$ 116,261	$ 98,975
State income taxes, net of U.S. federal benefit	13,109	14,135	8,359
Foreign tax rate differential	6,675	9,489	3,058
Research credits	(5,472)	(3,600)	(5,932)
Valuation allowance	(2,183)	(14,451)	(11,768)
Excess tax benefits relating to share-based compensation	(14,907)	(949)	702
GILTI, FDII, BEAT and FTC	(9,265)	(9,010)	(2,491)
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount	6,432	12,374	6,865
Total provision	$ 129,214	$ 124,249	$ 97,768

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Beginning and Ending Amount of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Unrecognized Tax Benefits [Roll Forward]
Unrecognized Tax Benefits, Beginning Balance	$ 13,849	$ 12,980	$ 10,897
Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions	4,769	0	593
Unrecognized Tax Benefits, Decrease Resulting from Prior Period Tax Positions	(1,956)	(1,127)	0
Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions	4,277	3,650	3,250
Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities	0	(523)	0
Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations	(1,060)	(1,131)	(1,760)
Unrecognized Tax Benefits, Ending Balance	$ 19,879	$ 13,849	$ 12,980

Stock-Based Employee Benefit _3

Stock-Based Employee Benefit Plans - Additional Information (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
ESPP, purchase price of the stock as a percentage of fair market value on the exercise date	15%
Share-based compensation expense	$ 149.4	$ 123.8	$ 115.4
Tax benefit related to share-based compensation expense	15.9	$ 13.8	$ 13.5
Unrecognized compensation cost related to non-vested share-based compensation arrangements	$ 213
Unrecognized compensation cost, weighted average recognition period	2 years 4 months 13 days
Cash received from stock option exercises	$ 8.3
Tax benefit from the stock option exercises	$ 10.2
Weighted average fair value of options granted (in dollars per share)	$ 419	$ 289.54	$ 134.91
Number of options that had exercise prices lower than the market price of common stock (in shares)	189,000
Market price of common stock (in dollars per share)	$ 1,943.52
Total intrinsic value of options exercised	$ 49.1	$ 16.7	$ 14.5
Share-based Payment Arrangement, Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	4 years
Restricted Stock Units Subject To Market or Performance Conditions
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	3 years
Restricted stock units and non-vested shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average fair value of restricted stock units, performance stock units, and market stock units (in dollars per share)	$ 1,150.58	$ 620.51	$ 416.62
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 171	$ 101.1	$ 97.3
Performance stock units (PSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average fair value of restricted stock units, performance stock units, and market stock units (in dollars per share)	$ 1,134.39	$ 615.45	$ 407.49
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 65.2	$ 40.3	$ 25.9
Market stock units (MSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average fair value of restricted stock units, performance stock units, and market stock units (in dollars per share)	$ 1,014.75	$ 822.96	$ 493.66
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 95	$ 42.2	$ 7.8
Market stock units (MSUs) | Performance period year one
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance period	1 year
Market stock units (MSUs) | Performance period year two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance period	2 years
Market stock units (MSUs) | Performance period year three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance period	3 years
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	3 years
Minimum | Performance stock units (PSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance condition payout (percent)	0%
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	4 years
Maximum | Share-based Payment Arrangement, Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards term	10 years
Maximum | Performance stock units (PSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance condition payout (percent)	200%
2012 Long-Term Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grants under stock plan (in shares)	4,435,309
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grants under stock plan (in shares)	839,175
Authorized shares of common stock for grant under stock plan (in shares)	1,000,000
ESPP, percentage of salary withheld through payroll deductions to purchase FICO common stock	15%
ESPP, purchase price of the stock as a percentage of fair market value on the exercise date	85%
Share-based Compensation Arrangement by Share-based Payment Award, Offering Period	6 months
Long-Term Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized shares of common stock for grant under stock plan (in shares)	5,900,000

Stock-Based Employee Benefit _4

Stock-Based Employee Benefit Plans - Assumptions Used to Estimate Fair Value of Stock Options (Details) - Equity Option [Member]	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average expected term (years)	4 years 5 months 15 days	5 years 2 months 23 days	4 years 5 months 4 days
Expected volatility (range), minimum	33.60%	33.40%	32.90%
Expected volatility (range), maximum	33.90%	35.50%	34.10%
Weighted average volatility	33.70%	33.50%	33.20%
Risk free interest rate, minimum	4.18%	3.40%	1.18%
Risk free interest rate, maximum	4.30%	4.49%	2.85%
Weighted average expected dividend yield	0%	0%	0%

Stock-Based Employee Benefit _5

Stock-Based Employee Benefit Plans - Summary of Option Activity (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Shares
Outstanding at September 30, 2023 (in shares)	227
Granted (in shares)	9
Exercised (in shares)	(47)
Outstanding at September 30, 2024 (in shares)	189	227
Options exercisable at September 30, 2024 (in shares)	119
Vested and expected to vest at September 30, 2024 (in shares)	185
Weighted- average Exercise Price
Outstanding at September 30, 2023 (in dollars per share)	$ 387.95
Granted (in dollars per share)	1,198
Exercised (in dollars per share)	176.46
Outstanding at September 30, 2024 (in dollars per share)	479.26	$ 387.95
Options exercisable at September 30, 2024 (in dollars per share)	290.75
Vested and expected to vest at September 30, 2024 (in dollars per share)	$ 471.93
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	3 years 3 months 18 days
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	1 year 11 months 23 days
Vested and expected to vest - Weighted average remaining term	3 years 3 months
Vested and expected to vest - Aggregate Intrinsic value	$ 272,681
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value	277,150
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 196,829
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average fair value of options granted (in dollars per share)	$ 419	$ 289.54	$ 134.91
Number of options that had exercise prices lower than the market price of common stock (in shares)	189
Market price of common stock (in dollars per share)	$ 1,943.52
Total intrinsic value of options exercised	$ 49,100	$ 16,700	$ 14,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	189	227
Equity Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average expected term (years)	4 years 5 months 15 days	5 years 2 months 23 days	4 years 5 months 4 days
Expected volatility (range), maximum	33.90%	35.50%	34.10%
Weighted average volatility	33.70%	33.50%	33.20%
Risk free interest rate, maximum	4.30%	4.49%	2.85%
Average expected dividend yield	0%	0%	0%
Expected volatility (range), minimum	33.60%	33.40%	32.90%
Risk free interest rate, minimum	4.18%	3.40%	1.18%

Stock-Based Employee Benefit _6

Stock-Based Employee Benefit Plans - Summary of Restricted Stock Unit and Performance Stock Unit Activity (Details) - $ / shares shares in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Restricted stock units (RSUs)
Shares
Outstanding at September 30, 2023 (in shares)	376
Granted (in shares)	97
Released (in shares)	(148)
Forfeited (in shares)	(20)
Outstanding at September 30, 2024 (in shares)	305	376
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2023 (in dollars per share)	$ 508.23
Granted (in dollars per share)	1,150.58	$ 620.51	$ 416.62
Released (in dollars per share)	478.44
Forfeited (in dollars per share)	567.62
Outstanding at September 30, 2024 (in dollars per share)	$ 724.40	$ 508.23
Performance stock units (PSUs)
Shares
Outstanding at September 30, 2023 (in shares)	115
Granted (in shares)	35
Released (in shares)	(57)
Forfeited (in shares)	(8)
Outstanding at September 30, 2024 (in shares)	85	115
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2023 (in dollars per share)	$ 519.54
Granted (in dollars per share)	1,134.39	$ 615.45	407.49
Released (in dollars per share)	502.66
Forfeited (in dollars per share)	529.92
Outstanding at September 30, 2024 (in dollars per share)	$ 786.85	$ 519.54
Market stock units (MSUs)
Shares
Outstanding at September 30, 2023 (in shares)	87
Granted (in shares)	64
Released (in shares)	(84)
Forfeited (in shares)	(5)
Outstanding at September 30, 2024 (in shares)	62	87
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2023 (in dollars per share)	$ 844.24
Granted (in dollars per share)	1,014.75	$ 822.96	$ 493.66
Released (in dollars per share)	737.77
Forfeited (in dollars per share)	845.67
Outstanding at September 30, 2024 (in dollars per share)	$ 1,161.62	$ 844.24

Stock-Based Employee Benefit _7

Stock-Based Employee Benefit Plans - Assumptions Used to Estimate Fair Value of Market Stock Units (Details) - Market stock units (MSUs)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected volatility in FICO’s stock price	36.30%	47.30%	42.30%
Expected volatility in Russell 3000 Index	18.20%	26%	23.30%
Correlation between FICO and the Russell 3000 Index	60.30%	73.50%	74.70%
Risk-free interest rate	4.39%	4.02%	0.97%
Average expected dividend yield	0%	0%	0%

Stock-Based Employee Benefit _8

Stock-Based Employee Benefit Plans - Summary of ESPP activities (Details) - $ / shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
ESPP, Discount from Market Price, Purchase Date	15%
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
ESPP, Discount from Market Price, Purchase Date	85%
ESPP, Shares Issued in Period	13,721	21,876	32,528
ESPP, Per Share Weighted Average Price of Shares Purchased	$ 1,217.05	$ 646.37	$ 393.95

Earnings per Share - Reconcilia

Earnings per Share - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Numerator for basic and diluted earnings per share
Net income	$ 512,811	$ 429,375	$ 373,541
Denominator — share:
Basic weighted-average shares (in shares)	24,676	24,986	26,042
Effect of dilutive securities (in shares)	403	381	305
Diluted weighted-average shares (in shares)	25,079	25,367	26,347
Diluted earnings per share (in dollars per share)	$ 20.45	$ 16.93	$ 14.18
Basic earnings per share (in dollars per share)	$ 20.78	$ 17.18	$ 14.34

Segment Information - Summary o

Segment Information - Summary of Segment Information (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($) Segment	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Segment Reporting [Abstract]
Number of reportable segments | Segment	2
Segment revenues:
Revenue	$ 1,717,526	$ 1,513,557	$ 1,377,270
Segment operating expense	(983,897)	(870,727)	(834,856)
Operating income	733,629	642,830	542,414
Unallocated share-based compensation expense	(149,439)	(123,847)	(115,355)
Unallocated amortization expense	(917)	(1,100)	(2,061)
Unallocated interest expense, net	(105,638)	(95,546)	(68,967)
Unallocated other income (expense), net	14,034	6,340	(2,138)
Depreciation and amortization	9,398	10,106	15,242
Gain (Loss) on Disposition of Business	0	1,941	0
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	642,025	553,624	471,309
Software
Segment revenues:
Revenue	797,876	739,729	670,627
Scores
Segment revenues:
Revenue	919,650	773,828	706,643
Operating Segments
Segment revenues:
Revenue	1,717,526	1,513,557	1,377,270
Segment operating expense	(833,541)	(747,721)	(717,440)
Operating income	883,985	765,836	659,830
Operating Segments | Software
Segment revenues:
Revenue	797,876	739,729	670,627
Segment operating expense	(540,347)	(498,538)	(487,505)
Operating income	257,529	241,191	183,122
Depreciation and amortization	8,881	9,550	14,412
Operating Segments | Scores
Segment revenues:
Revenue	919,650	773,828	706,643
Segment operating expense	(106,296)	(92,757)	(87,288)
Operating income	813,354	681,071	619,355
Depreciation and amortization	451	485	723
Unallocated Corporate Expenses
Segment revenues:
Segment operating expense	(186,898)	(156,426)	(142,647)
Operating income	(186,898)	(156,426)	(142,647)
Depreciation and amortization	66	71	107
On-premises and SaaS software
Segment revenues:
Revenue	711,340	640,182	564,751
On-premises and SaaS software | Operating Segments
Segment revenues:
Revenue	711,340	640,182	564,751
On-premises and SaaS software | Operating Segments | Software
Segment revenues:
Revenue	711,340	640,182	564,751
On-premises and SaaS software | Operating Segments | Scores
Segment revenues:
Revenue	0	0	0
Professional services
Segment revenues:
Revenue	86,536	99,547	105,876
Professional services | Operating Segments
Segment revenues:
Revenue	86,536	99,547	105,876
Professional services | Operating Segments | Software
Segment revenues:
Revenue	86,536	99,547	105,876
Professional services | Operating Segments | Scores
Segment revenues:
Revenue	0	0	0
Scores Products
Segment revenues:
Revenue	919,650	773,828	706,643
Scores Products | Operating Segments
Segment revenues:
Revenue	919,650	773,828	706,643
Scores Products | Operating Segments | Software
Segment revenues:
Revenue	0	0	0
Scores Products | Operating Segments | Scores
Segment revenues:
Revenue	$ 919,650	$ 773,828	$ 706,643

Leases - Additional Detail (Det

Leases - Additional Detail (Details)	Sep. 30, 2024
Leases [Abstract]
Lease term (in years)	12 months

Leases - Lease Assets and Liabi

Leases - Lease Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Assets
Operating lease, right-of-use asset	$ 29,580	$ 25,703
Finance lease, right-of-use asset	9,881	0
Lease Assets	$ 39,461	$ 25,703
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property and equipment, net	Property and equipment, net
Liabilities
Operating lease liabilities, Current	$ 11,555	$ 16,336
Operating Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Other accrued liabilities	Other accrued liabilities
Finance lease liabilities, Current	$ 3,144	$ 0
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Other accrued liabilities	Other accrued liabilities
Operating lease liabilities, Non-current	$ 21,963	$ 23,903
Finance lease liabilities, Non-current	$ 7,263	$ 0
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent
Operating Lease, Liability, Total	$ 43,925	$ 40,239
Finance Lease, Right-of-Use Asset, Accumulated Amortization	$ 1,900

Leases - Lease Cost (Details)

Leases - Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Operating lease cost	$ 14,421	$ 16,594	$ 18,426
Finance lease, depreciation of lease assets	1,859	0	0
Finance lease, interest on lease liabilities	369	0	0
Short-term lease cost	811	461	201
Variable lease cost	2,060	2,363	2,091
Sublease Income	(1,073)	(429)	0
Total lease cost	$ 18,447	$ 18,989	$ 20,718
Operating Lease, weighted average remaining lease term	44 months	35 months
Operating lease, weighted average discount rate	6.41%	4.58%
Finance lease, weighted average remaining lease term	40 months	0 months
Finance lease, weighted average discount rate	5.52%	0%

Leases - Related Cash Flow Info

Leases - Related Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Operating cash outflow for operating leases	$ 18,153	$ 19,780	$ 22,021
Operating cash outflow for finance leases	369	0	0
Finance Lease, Principal Payments	1,333	0	0
Lease asset obtained in exchange for Operating lease liability	22,433	4,150	7,505
Lease asset obtained in exchange for Finance lease liability	$ 11,740	$ 0	$ 0

Leases - Operating Lease Liabil

Leases - Operating Lease Liability Maturity (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Operating Leases Future Payments
Fiscal 2025	$ 13,378
Fiscal 2026	9,805
Fiscal 2027	5,618
Fiscal 2028	4,439
Fiscal 2029	2,626
Thereafter	2,039
Total future undiscounted lease payments	37,905
Less imputed interest	(4,387)
Total reported lease liabilities	33,518
Lessor, Operating Lease, Payment to be Received, Year One	500
Lessor, Operating Lease, Payment to be Received, Year Two	400
Lessor, Operating Lease, Payment to be Received, Year Three	$ 200

Leases - Finance Lease Liabilit

Leases - Finance Lease Liability Maturity (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Finance Lease, Liability, to be Paid, Fiscal Year Maturity [Abstract]
Fiscal 2025	$ 3,625
Fiscal 2026	3,625
Fiscal 2027	3,625
Fiscal 2028	441
Fiscal 2029	0
Thereafter	0
Total future undiscounted lease payments	11,316
Less imputed interest	(909)
Finance Lease, Liability Total	$ 10,407

Commitments - Additional Inform

Commitments - Additional Information (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($) executive
Commitments and Contingencies Disclosure [Abstract]
Purchase Obligation, to be Paid, Year One	$ 62,271
Purchase Obligation, to be Paid, Year Two	57,835
Purchase Obligation, to be Paid, Year Three	2,594
Purchase Obligation	$ 122,700
Number of executives in a management agreement providing for certain payments and other benefits in the event of a qualified change | executive	17

Guarantees - Additional Informa

Guarantees - Additional Information (Details)	12 Months Ended
	Sep. 30, 2024
Maximum
Product Warranty [Line Items]
Duration of product warranties	90 days