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Income Taxes - Schedule of Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Current:
Federal	$ 159,313	$ 123,340	$ 110,402
State	38,007	23,818	10,199
Foreign	44,114	35,977	35,943
Current income tax	241,434	183,135	156,544
Deferred:
Federal	24,692	(26,949)	(26,227)
State	3,757	(3,330)	(1,712)
Foreign	(4,800)	(2,207)	609
Deferred income taxes	23,649	(32,486)	(27,330)
Recorded income tax provision	$ 265,083	$ 150,649	$ 129,214

Nature of Business and Summary of Significant Accounting Policies - Schedule of Estimated Useful Life of Property and Equipment (Details)	Sep. 30, 2026
Data processing equipment and purchased software
Property, Plant, and Equipment [Line Items]
Property and equipment, estimated useful life	3 years
Internal-use software
Property, Plant, and Equipment [Line Items]
Property and equipment, estimated useful life	4 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]

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Guarantees (Details)	12 Months Ended
Guarantees (Details)	Sep. 30, 2026
Guarantees [Abstract]
Duration of product warranties, not to exceed	90 days

Nature of Business and Summary of Significant Accounting Policies

12 Months Ended

Sep. 30, 2026

Accounting Policies [Abstract]

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 global analytics software leader. 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 70 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 of consumer credit risk in the United States (“U.S.”) — 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.

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 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 loan, 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 3. The fair value of our derivative instruments is disclosed in Note 4. The fair value of our senior notes is disclosed in Note 7.

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, net. 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, net. 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, 2026, 2025 and 2024. 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
Internal-use software	4 years
Office furniture and equipment	3 years	to	7 years
Leasehold improvements	Shorter of estimated useful life or lease term

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 $10.6 million, $10.7 million and $9.4 million during fiscal 2026, 2025 and 2024, 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. 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 quantitative impairment test. Events and circumstances we consider in performing the 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 quantitative 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 the goodwill quantitative impairment test.

For fiscal 2026, 2025 and 2024, we performed a 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 quantitative impairment test and determined goodwill was not impaired for either of our reporting units for fiscal 2026, 2025 and 2024.

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 2026, 2025 and 2024.

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. Our derivative instruments are not designated as hedging instruments. As a result, the related cash flows are included in cash flows from operating activities in our consolidated statements of cash flows.

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, net in the accompanying consolidated statements of income and comprehensive income.

We recorded transactional foreign exchange gains (losses) of $(1.1) million, $1.1 million and $(0.6) million during fiscal 2026, 2025 and 2024, 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 to four years). See Note 13 for further discussion of our share-based employee benefit plans.

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 $41.9 million, $29.7 million and $12.3 million in fiscal 2026, 2025 and 2024, respectively.

New Accounting Pronouncements

Recent Accounting Pronouncements Adopted

In December 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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. We adopted ASU 2023-09 in fiscal 2026 on a prospective basis and the adoption resulted in expanded disclosures as presented in Note 12.

Recent Accounting Pronouncements Not Yet Adopted

In November 2024, the FASB issued ASU No. 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses” (“ASU 2024-03”). ASU 2024-03 requires disaggregated disclosure of certain income statement expenses an entity presents on the face of the income statement into specified categories in disclosures within the footnotes to the financial statements, including employee compensation, depreciation, intangible asset amortization, and certain other expenses, when applicable. The standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, which means that it will be effective for our annual periods beginning with the fiscal year ending September 30, 2028, and our interim periods beginning October 1, 2028. 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 September 2025, the FASB issued ASU No. 2025-06, “Intangibles — Goodwill and Other — Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software” (“ASU 2025-06”). ASU 2025-06 removes references to prescriptive and sequential software development project stages, and instead requires capitalizing software costs when both of the following occur: (1) management has authorized and committed to funding the software project, and (2) it is probable that the project will be completed and the software will be used to perform the function intended, with consideration as to when significant uncertainty associated with the development activities of the software has been resolved. Additionally, ASU 2025-06 clarifies the disclosure requirements for capitalized internal-use software costs. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2027, which means that it will be effective for our fiscal years and interim periods beginning October 1, 2028. Early adoption is permitted. We are currently evaluating the impact that the updated standard will have on our consolidated financial statements and related disclosures.

We do not expect that any other recently issued accounting pronouncements will have a significant effect on our consolidated financial statements.

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Statement of Cash Flows [Abstract]
Cash paid for income taxes, refunds	$ 8,555	$ 8,649	$ 859

Share-Based Employee Benefit Plans - Schedule of Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2026 USD ($) $ / shares shares
Shares
Beginning balance (in shares) \| shares	129
Granted (in shares) \| shares	8
Exercised (in shares) \| shares	(23)
Ending balance (in shares) \| shares	114
Exercisable (in shares) \| shares	80
Vested and expected to vest (in shares) \| shares	113
Weighted- average Exercise Price
Beginning balance (in dollars per share) \| $ / shares	$ 670.08
Granted (in dollars per share) \| $ / shares	1,617.99
Exercised (in dollars per share) \| $ / shares	276.12
Ending balance (in dollars per share) \| $ / shares	812.54
Exercisable (in dollars per share) \| $ / shares	695.25
Vested and expected to vest (in dollars per share) \| $ / shares	$ 804.66
Weighted- average Remaining Contractual Term
Weighted- average Remaining Contractual Term (in years)	3 years 2 months 15 days
Exercisable (in years)	2 years 8 months 19 days
Vested and expected to vest (in years)	3 years 2 months 4 days
Aggregate Intrinsic value \| $	$ 6,483
Aggregate Intrinsic value, Exercisable \| $	6,483
Aggregate Intrinsic value, Vested or expected to vest \| $	$ 6,483

Revenue from Contracts with Customers - Disaggregation Revenue (Details) - Customer Concentration Risk	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
TransUnion Equifax and Experian customers \| Revenue from Contract with Customer Benchmark
Disaggregation of Revenue [Line Items]
Percentage	60.00%	51.00%	45.00%
Equifax \| Revenue from Contract with Customer Benchmark
Disaggregation of Revenue [Line Items]
Percentage	10.00%	10.00%	10.00%
TransUnion \| Revenue from Contract with Customer Benchmark
Disaggregation of Revenue [Line Items]
Percentage	10.00%	10.00%	10.00%
Experian \| Revenue from Contract with Customer Benchmark
Disaggregation of Revenue [Line Items]
Percentage	10.00%	10.00%	10.00%
Three Customers \| Accounts Receivable
Disaggregation of Revenue [Line Items]
Percentage	10.00%
Two Customers \| Accounts Receivable
Disaggregation of Revenue [Line Items]
Percentage		10.00%

Employee Benefit Plans (Details) - USD ($) $ in Millions	12 Months Ended
Employee Benefit Plans (Details) - USD ($) $ in Millions	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Retirement Benefits [Abstract]
Employee contribution to plan, maximum percentage	25.00%
Employer contributions into 401(k) plans	$ 10.8	$ 10.2	$ 9.5
Employee incentive plans expenses	$ 68.8	$ 60.8	$ 62.5

Segment Information - Schedule of Depreciation and Amortization on Property and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Segment Reporting [Line Items]
Total depreciation and amortization	$ 10,628	$ 10,658	$ 9,398
Operating Segments
Segment Reporting [Line Items]
Total depreciation and amortization	9,175	10,583	9,332
Operating Segments \| Scores
Segment Reporting [Line Items]
Total depreciation and amortization	394	512	451
Operating Segments \| Software
Segment Reporting [Line Items]
Total depreciation and amortization	8,781	10,071	8,881
Unallocated corporate
Segment Reporting [Line Items]
Total depreciation and amortization	$ 1,453	$ 75	$ 66

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Subparagraph (d)
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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-Subparagraph (c)
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Topic 280
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

+ Details

Income Taxes - Schedule of Reconciliation Between Federal Statutory Income Tax Rate and Effective Tax Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Amount
Income tax provision at U.S. federal statutory rate	$ 231,010	$ 168,545	$ 134,825
State income taxes, net of U.S. federal benefit	34,356	18,733	13,109
Foreign tax rate differential	21,756	5,812	6,675
Effects of cross-border tax laws	(9,000)
Tax credits
Research credits	(13,128)	(6,683)	(5,472)
Foreign tax credits	(10,231)
Nontaxable or nondeductible items
Limitations on executive compensations	19,108
Other	3,054
Changes in unrecognized tax benefits	1,642
Other adjustments	505	2,776	6,432
Valuation allowance		0	(2,183)
Excess tax benefits relating to share-based compensation	(13,989)	(27,638)	(14,907)
GILTI, FDII, BEAT and FTC		(10,896)	(9,265)
Recorded income tax provision	$ 265,083	$ 150,649	$ 129,214
%
Income tax provision at U.S. federal statutory rate	21.00%
State income taxes, net of U.S. federal benefit	3.10%
Foreign tax effects	2.00%
Effects of cross-border tax laws	(0.80%)
Tax credits
Research credits	(1.20%)
Foreign tax credits	(0.90%)
Nontaxable or nondeductible items
Limitations on executive compensations	1.70%
Share-based compensation windfall	(1.30%)
Other	0.30%
Changes in unrecognized tax benefits	0.10%
Other adjustments	0.10%
Recorded income tax provision	24.10%
Tax Jurisdiction of Domicile [Extensible Enumeration]	UNITED STATES

Nature of Business and Summary of Significant Accounting Policies - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Depreciation and amortization, property and equipment	$ 10.6	$ 10.7	$ 9.4
Foreign exchange gains (losses)	(1.1)	1.1	(0.6)
Advertising and promotion costs	$ 41.9	$ 29.7	$ 12.3
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	3 years
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	4 years

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
-Subparagraph (f)(2)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (f)(2)(i)
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (f)(2)(iii)
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
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-Subparagraph (d)(1)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 35
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Section 35
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-URI https://asc.fasb.org/1943274/2147480483/718-10-35-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
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-Subparagraph (a)(3)
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Publisher FASB
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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Reference 30: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Composition of Certain Financial Statement Captions

12 Months Ended

Sep. 30, 2026

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Composition of Certain Financial Statement Captions

The following table presents the composition of prepaid expenses and other current assets at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Prepaid expenses and other current assets:
Receivable from sale of equity investment	$	47,927	$	—
Other	43,199		41,881
Total	$	91,126	$	41,881

The following table presents the composition of property and equipment, net at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Property and equipment, net:
Data processing equipment and purchased software	$	41,220	$	42,121
Internal-use software	82,702		47,151
Office furniture and equipment	6,772		8,113
Leasehold improvements	14,803		15,900
Less: accumulated depreciation and amortization	(48,355)		(45,572)
Total	$	97,142	$	67,713

The following table presents the composition of other accrued liabilities at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Other accrued liabilities:
Interest payable	$	52,269	$	53,500
Proposed litigation settlement (see Note 18)	65,000		—
Other	85,912		61,118
Total	$	203,181	$	114,618

Commitments

12 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Abstract]

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, 2026 were as follows:


	(In thousands)
Fiscal 2027	$	69,701
Fiscal 2028	84,529
Fiscal 2029	73,066
Fiscal 2030	65,273

Total	$	292,569

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.

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Sep. 30, 2026
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	We recognize the importance of assessing, identifying, and managing material risks associated with cybersecurity threats, as such term is defined in Item 106(a) of Regulation S-K. These risks include, among other things: operational risks, intellectual property theft, fraud, extortion, harm to employees or customers, violation of data privacy or security laws, and reputational harm. Identifying and assessing cybersecurity risk is integrated into our overall enterprise risk management systems and processes. Cybersecurity risks related to our business, technical operations, privacy and compliance issues are identified and managed through a multi-faceted approach including third-party assessments, internal IT Audit, IT security, governance, risk and compliance reviews. To defend against, detect and respond to cybersecurity incidents, we, among other things: conduct proactive privacy and cybersecurity reviews of systems and applications, audit applicable data policies, perform penetration testing using external third-party tools and techniques to test security controls, conduct employee training, monitor emerging laws and regulations related to data protection and information security (including our consumer products) and implement appropriate changes. We employ an experienced team of cybersecurity professionals with a variety of backgrounds, and we periodically engage third-party service providers to assist with assessing, identifying and managing cybersecurity risks. We seek to address material cybersecurity risks through a company-wide approach that assesses, ranks and prioritizes cybersecurity threats, vulnerabilities and issues as they are identified to maintain the confidentiality, integrity and availability of our information systems and the information that we collect and store. The Company’s cybersecurity policies, standards, processes and practices are informed by recognized frameworks established by the National Institute of Standards and Technology, the International Organization for Standardization and an array of other applicable standards-setting bodies, which are integrated into a broader risk management framework and related processes. We also hold various security-related industry certifications and attestations that have been validated by external auditors, including: SOC 1, SOC 2 Type II, ISO 27001, CSA STAR Level 2, PCI-DSS and others. Leveraging threat intelligence and other signals, the Company undergoes periodic testing, audits and reviews of its policies, standards, processes and practices to identify, assess and address cybersecurity risks and events. The Company also undergoes routine internal and external penetration testing. The results of such tests and assessments are evaluated by management and periodically reported to the Audit Committee. The Company further adjusts its cybersecurity policies, standards, processes and practices based on these results. The Company also makes available to clients attestations of its various certifications, audits, and penetration tests. We have not identified any risks from cybersecurity threats, including as a result of any previous cybersecurity incidents, that have materially affected, or are reasonably likely to materially affect, the Company, including its business strategy, results of operations, or financial condition. However, we face ongoing and increasing cybersecurity risks, including from bad actors that are becoming more sophisticated and effective over time, as well as a result of potential defects or disruptions in our or our customers’ services. Additional information on the cybersecurity risks that could materially affect us is discussed in Part I, Item 1A, “Risk Factors.”
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Identifying and assessing cybersecurity risk is integrated into our overall enterprise risk management systems and processes. Cybersecurity risks related to our business, technical operations, privacy and compliance issues are identified and managed through a multi-faceted approach including third-party assessments, internal IT Audit, IT security, governance, risk and compliance reviews. To defend against, detect and respond to cybersecurity incidents, we, among other things: conduct proactive privacy and cybersecurity reviews of systems and applications, audit applicable data policies, perform penetration testing using external third-party tools and techniques to test security controls, conduct employee training, monitor emerging laws and regulations related to data protection and information security (including our consumer products) and implement appropriate changes.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Our Board is responsible for monitoring the Company’s risk management processes by informing itself concerning our material risks and evaluating whether management has reasonable controls in place to address the material risks. The Audit Committee of the Board is responsible for discussing with management the Company’s major risk exposures and the steps management has taken to monitor and control such exposures, including the Company’s risk assessment and risk management policies. Accordingly, our internal risk management team regularly reports to the Audit Committee on our major risk exposures and the steps management has taken to monitor and control such exposures, including our risk assessment and risk management policies. The Audit Committee, in turn, reports on the matters discussed at the committee level to the full Board. As part of its oversight of the Company’s risk management noted above, the Audit Committee oversees, reviews and discusses with management the Company’s risks from cybersecurity threats and management’s role in assessing and managing such risks. The Audit Committee receives regular presentations, reports and updates from the CISO and other members of management on developments regarding the Company’s cybersecurity program, broader cybersecurity trends, evolving industry standards, the threat environment and other topics. The Company’s processes also allow for the Board and the Audit Committee to be informed of key cybersecurity risks outside the regular reporting schedule. While regular meetings of the Audit Committee are scheduled on a quarterly cadence, the Audit Committee is authorized to meet with management at any time it deems appropriate to discuss matters relevant to the Audit Committee. The Company’s policy is for the Board and the Audit Committee to receive prompt and timely information regarding any cybersecurity risk (including any incident) that meets pre-established reporting thresholds, as well as ongoing updates regarding any such risk.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	As part of its oversight of the Company’s risk management noted above, the Audit Committee oversees, reviews and discusses with management the Company’s risks from cybersecurity threats and management’s role in assessing and managing such risks. The Audit Committee receives regular presentations, reports and updates from the CISO and other members of management on developments regarding the Company’s cybersecurity program, broader cybersecurity trends, evolving industry standards, the threat environment and other topics.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Accordingly, our internal risk management team regularly reports to the Audit Committee on our major risk exposures and the steps management has taken to monitor and control such exposures, including our risk assessment and risk management policies. The Audit Committee, in turn, reports on the matters discussed at the committee level to the full Board.
Cybersecurity Risk Role of Management [Text Block]	The Company’s Chief Information Security Officer (“CISO”), who reports to the President, Software, is primarily responsible for the assessment and management of material risks from cybersecurity threats and for the design and implementation of our security program and strategy based on the mandate provided by the Board and senior management. The CISO has extensive experience in the management of cybersecurity risk management programs, having served in various leadership roles in information technology and information security for over 20 years, including serving as the Chief Security Officer of two other large public technology companies. We believe the Company’s business leaders, including the CISO, have the appropriate expertise, background and depth of experience to manage risks arising from cybersecurity threats.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Company’s Chief Information Security Officer (“CISO”), who reports to the President, Software, is primarily responsible for the assessment and management of material risks from cybersecurity threats and for the design and implementation of our security program and strategy based on the mandate provided by the Board and senior management.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The CISO has extensive experience in the management of cybersecurity risk management programs, having served in various leadership roles in information technology and information security for over 20 years, including serving as the Chief Security Officer of two other large public technology companies.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The CISO, in coordination with other members of senior management, works collaboratively across the Company to implement a program designed to protect the Company’s information systems from cybersecurity threats and to promptly respond to cybersecurity incidents in accordance with the Company’s incident response and recovery plans. To facilitate the success of the Company’s cybersecurity program, cross-functional teams throughout the Company are tasked with addressing cybersecurity threats and responding to cybersecurity incidents. Through ongoing communications with these teams, the CISO and senior management are informed promptly about, and monitor the prevention, detection, investigation, mitigation and remediation of, cybersecurity threats and incidents. These teams are expected to operate pursuant to documented plans and playbooks that include processes for escalation of incidents to leadership and to the Audit Committee and the Board, as appropriate, based on the severity level of an incident. In addition, the Company periodically engages outside advisors and experts to assist with assessing, identifying and managing cybersecurity risks, including to anticipate future threats and trends, and their impact on the Company’s risk management environment.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Earnings per Share (Tables)

12 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

Schedule of 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 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024
	(In thousands, except per share data)
Numerator for diluted and basic earnings per share:
Net income	$	834,967	$	651,946	$	512,811
Denominator — share:
Basic weighted-average shares	22,863		24,239		24,676
Effect of dilutive securities	125		322		403
Diluted weighted-average shares	22,988		24,561		25,079
Earnings per share:
Basic	$	36.52	$	26.90	$	20.78
Diluted	$	36.32	$	26.54	$	20.45

Derivative Financial Instruments (Tables)

12 Months Ended

Sep. 30, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Outstanding Foreign Currency Forward Contracts

The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2026 and 2025:


	September 30, 2026
	Contract Amount				Fair Value
	Foreign Currency		USD		USD
		(In thousands)
Sell foreign currency:

Euro (EUR)	EUR	5,900	$	6,700	—
Buy foreign currency:
British pound (GBP)	GBP	8,029	$	10,700	—
Singapore dollar (SGD)	SGD	8,756	$	6,900	—


	September 30, 2025
	Contract Amount				Fair Value
	Foreign Currency		USD		USD
		(In thousands)
Sell foreign currency:

Euro (EUR)	EUR	7,700	$	9,034	—
Buy foreign currency:
British pound (GBP)	GBP	10,019	$	13,500	—
Singapore dollar (SGD)	SGD	8,087	$	6,300	—

Schedule of Gains on Derivative Financial Instruments

Gains (losses) on derivative financial instruments were recorded in our consolidated statements of income and comprehensive income as a component of other income, net, and consisted of the following:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Gains (losses) on foreign currency forward contracts	$	(446)	$	(425)	$	1,580

Restructuring Charges (Tables)

12 Months Ended

Sep. 30, 2026

Restructuring and Related Activities [Abstract]

Schedule of Restructuring and Related Costs

The following table summarizes our restructuring accrual for employee separation costs. At September 30, 2026 and 2025, the balance was classified as current liabilities and recorded in other accrued liabilities within the accompanying consolidated balance sheets.


	Year Ended September 30,
	2026		2025
	(In thousands)
Restructuring accrual, beginning balance	$	9,974	$	—
Expense additions	27,293		10,922
Cash payments	(14,473)		(948)
Restructuring accrual, ending balance	$	22,794	$	9,974

Composition of Certain Financial Statement Captions (Tables)

12 Months Ended

Sep. 30, 2026

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Schedule of Prepaid Expenses And Other Current Assets

The following table presents the composition of prepaid expenses and other current assets at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Prepaid expenses and other current assets:
Receivable from sale of equity investment	$	47,927	$	—
Other	43,199		41,881
Total	$	91,126	$	41,881

Schedule Of Property, Plant and Equipment

The following table presents the composition of property and equipment, net at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Property and equipment, net:
Data processing equipment and purchased software	$	41,220	$	42,121
Internal-use software	82,702		47,151
Office furniture and equipment	6,772		8,113
Leasehold improvements	14,803		15,900
Less: accumulated depreciation and amortization	(48,355)		(45,572)
Total	$	97,142	$	67,713

Schedule Of Other Current Liabilities

The following table presents the composition of other accrued liabilities at September 30, 2026 and 2025:


	September 30,
	2026		2025
	(In thousands)
Other accrued liabilities:
Interest payable	$	52,269	$	53,500
Proposed litigation settlement (see Note 18)	65,000		—
Other	85,912		61,118
Total	$	203,181	$	114,618

Goodwill (Tables)

12 Months Ended

Sep. 30, 2026

Intangible Asset, Goodwill and Other [Abstract]

Schedule of Goodwill

The following table summarizes changes to goodwill during fiscal 2026 and 2025, both in total and as allocated to our segments. As of September 30, 2026, there was no accumulated goodwill impairment loss.


	Scores		Software		Total
	(In thousands)
Balance at September 30, 2024	$	146,648	$	636,104	$	782,752


Foreign currency translation adjustment	—		588		588
Balance at September 30, 2025	146,648		636,692		783,340


Foreign currency translation and other adjustments	—		8,527		8,527
Balance at September 30, 2026	$	146,648	$	645,219	$	791,867

- Definition

Tabular disclosure of goodwill.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1A

+ Details

Income Taxes - Schedule of Reconciliation of Beginning and Ending Amount of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Unrecognized Tax Benefits [Roll Forward]
Gross unrecognized tax benefits at beginning of year	$ 19,505	$ 19,879	$ 13,849
Gross increases for tax positions in prior years	1,032	678	4,769
Gross decreases for tax positions in prior years	0	0	(1,956)
Gross increases based on tax positions related to the current year	3,500	3,675	4,277
Decreases due to statute expiration	(2,904)	(4,727)	(1,060)
Gross unrecognized tax benefits at end of year	$ 21,133	$ 19,505	$ 19,879

Cash, Cash Equivalents and Marketable Securities

12 Months Ended

Sep. 30, 2026

Cash and Cash Equivalents [Abstract]

Cash, Cash Equivalents and Marketable Securities

The following is a summary of cash, cash equivalents and marketable securities at September 30, 2026 and 2025:


	September 30, 2026				September 30, 2025
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
	(In thousands)
Cash and Cash Equivalents:
Cash	$	212,389	$	212,389	$	134,130	$	134,130
Money market funds	—		—		6		6

Bank time deposits	5,210		5,210		—		—
Total	$	217,599	$	217,599	$	134,136	$	134,136
Marketable Securities:
Marketable securities	$	38,987	$	51,714	$	40,603	$	54,625

The assets included in marketable securities represent long-term marketable equity securities held under a non-qualified deferred compensation plan for certain officers and senior management employees, which are distributed upon separation from service or at a specific date while still employed. These investments are treated as trading securities and recorded at fair value.

Nature of Business and Summary of Significant Accounting Policies (Tables)

12 Months Ended

Sep. 30, 2026

Accounting Policies [Abstract]

Schedule of 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
Internal-use software	4 years
Office furniture and equipment	3 years	to	7 years
Leasehold improvements	Shorter of estimated useful life or lease term

Income Taxes (Tables)

12 Months Ended

Sep. 30, 2026

Income Tax Disclosure [Abstract]

Schedule of Provision for Income Taxes

The provision for income taxes was as follows during fiscal 2026, 2025 and 2024:


	Year ended September 30,
	2026		2025		2024
	(In thousands)
Current:
Federal	$	159,313	$	123,340	$	110,402
State	38,007		23,818		10,199
Foreign	44,114		35,977		35,943
	241,434		183,135		156,544
Deferred:
Federal	24,692		(26,949)		(26,227)
State	3,757		(3,330)		(1,712)
Foreign	(4,800)		(2,207)		609
	23,649		(32,486)		(27,330)
Total provision	$	265,083	$	150,649	$	129,214

Schedule of Deferred Tax Assets and Liabilities

Deferred tax assets and liabilities at September 30, 2026 and 2025 were as follows:


	September 30,
	2026		2025
	(In thousands)
Deferred tax assets:
Loss and credit carryforwards	$	6,658	$	6,876
Compensation benefits	36,377		31,638

Operating lease liabilities	7,144		7,375
Research and development costs	66,591		100,304
Proposed litigation settlement	15,600		—
Other assets	24,203		21,538


Total deferred tax assets	156,573		167,731
Deferred tax liabilities:
Intangible assets	(8,159)		(8,612)
Deferred commission	(15,416)		(15,134)

Operating lease right-of-use assets	(6,506)		(6,479)
Gain on sale of equity investment	(11,503)		—
Other liabilities	(19,326)		(18,953)
Total deferred tax liabilities	(60,910)		(49,178)
Deferred tax assets, net	$	95,663	$	118,553

Schedule of Reconciliation Between Federal Statutory Income Tax Rate and Effective Tax Rate

A reconciliation of the U.S. federal statutory income tax rate to our effective income tax rate pursuant to the disclosure requirements of ASU 2023-09 for the year ended September 30, 2026 is as follows:


	Year Ended September 30, 2026
	Amount		%
	(In thousands)
Income tax provision at U.S. federal statutory rate	$	231,010	21.0	%
State income taxes, net of U.S. federal benefit (*)	34,356		3.1	%
Foreign tax effects	21,756		2.0	%
Effects of cross-border tax laws	(9,000)		(0.8)	%
Tax credits
Research credits	(13,128)		(1.2)	%
Foreign tax credits	(10,231)		(0.9)	%
Nontaxable or nondeductible items
Limitations on executive compensations	19,108		1.7	%
Share-based compensation windfall	(13,989)		(1.3)	%
Other	3,054		0.3	%
Changes in unrecognized tax benefits	1,642		0.1	%
Other adjustments	505		0.1	%
Recorded income tax provision	$	265,083	24.1	%

(*) State taxes in California and Florida made up the majority (greater than 50 percent) of this category.

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 2025 and 2024 is shown below:


	Year Ended September 30,
	2025		2024
	(In thousands)
Income tax provision at U.S. federal statutory rate	$	168,545	$	134,825
State income taxes, net of U.S. federal benefit	18,733		13,109
Foreign tax rate differential	5,812		6,675
Research credits	(6,683)		(5,472)



Valuation allowance	—		(2,183)

Excess tax benefits relating to share-based compensation	(27,638)		(14,907)

GILTI, FDII, BEAT and FTC	(10,896)		(9,265)
Other	2,776		6,432
Recorded income tax provision	$	150,649	$	129,214

Schedule of Cash Paid for Income Taxes, Net of Refunds Received

Cash paid for income taxes, net of refunds received, by jurisdiction pursuant to the disclosure requirements of ASU 2023-09 for the year ended September 30, 2026 is as follows:


	Year Ended September 30, 2026
	(In thousands)
Federal	$	154,100
State
California	19,992
Other	21,648
Foreign
United Kingdom	13,335
Other	17,292
Cash paid for income taxes, net of refunds received	$	226,367

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,
	2026		2025		2024
	(In thousands)
Gross unrecognized tax benefits at beginning of year	$	19,505	$	19,879	$	13,849
Gross increases for tax positions in prior years	1,032		678		4,769
Gross decreases for tax positions in prior years	—		—		(1,956)
Gross increases based on tax positions related to the current year	3,500		3,675		4,277

Decreases due to statute expiration	(2,904)		(4,727)		(1,060)
Gross unrecognized tax benefits at end of year	$	21,133	$	19,505	$	19,879

Commitment and Contingencies (Tables)

12 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule Of Contractual Obligation, Fiscal Year Maturity

Future minimum payments under our non-cancellable purchase obligations as of September 30, 2026 were as follows:


	(In thousands)
Fiscal 2027	$	69,701
Fiscal 2028	84,529
Fiscal 2029	73,066
Fiscal 2030	65,273

Total	$	292,569

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Sep. 30, 2026
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Leases - Additional Detail (Details) $ in Millions	Sep. 30, 2026 USD ($)
Leases [Abstract]
Lease term (in years)	12 months
Sublease income 2027	$ 0.2

Revenue from Contracts with Customers - Schedule of Disaggregation Revenue (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Disaggregation of Revenue [Line Items]
Total revenues	$ 2,534,873	$ 1,990,869	$ 1,717,526
On-premises and SaaS software
Disaggregation of Revenue [Line Items]
Total revenues	$ 808,118	$ 740,145	$ 711,340
Revenue from Contract with Customer Benchmark \| Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	100.00%	100.00%	100.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	100.00%	100.00%	100.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| On-premises software
Disaggregation of Revenue [Line Items]
Percentage	37.00%	43.00%	44.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| SaaS software
Disaggregation of Revenue [Line Items]
Percentage	63.00%	57.00%	56.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| On-premises and SaaS software
Disaggregation of Revenue [Line Items]
Percentage	100.00%	100.00%	100.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| On-premises and SaaS software \| Transferred at Point in Time
Disaggregation of Revenue [Line Items]
Percentage	10.00%	12.00%	11.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| On-premises and SaaS software \| Transferred over Time
Disaggregation of Revenue [Line Items]
Percentage	90.00%	88.00%	89.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| Platform software (*)
Disaggregation of Revenue [Line Items]
Percentage	47.00%	32.00%	28.00%
Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| Non-platform software
Disaggregation of Revenue [Line Items]
Percentage	53.00%	68.00%	72.00%
Scores
Disaggregation of Revenue [Line Items]
Total revenues	$ 1,652,222	$ 1,168,575	$ 919,650
Scores \| Business-to-business Scores
Disaggregation of Revenue [Line Items]
Total revenues	1,422,193	948,595	711,843
Scores \| Business-to-consumer Scores
Disaggregation of Revenue [Line Items]
Total revenues	$ 230,029	$ 219,980	$ 207,807
Scores \| Revenue from Contract with Customer Benchmark \| Product Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	100.00%	100.00%	100.00%
Scores \| Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| Business-to-business Scores
Disaggregation of Revenue [Line Items]
Percentage	86.00%	81.00%	77.00%
Scores \| Revenue from Contract with Customer Benchmark \| Product Concentration Risk \| Business-to-consumer Scores
Disaggregation of Revenue [Line Items]
Percentage	14.00%	19.00%	23.00%
Software
Disaggregation of Revenue [Line Items]
Total revenues	$ 882,651	$ 822,294	$ 797,876
Software \| On-premises software
Disaggregation of Revenue [Line Items]
Total revenues	302,429	320,425	313,632
Software \| SaaS software
Disaggregation of Revenue [Line Items]
Total revenues	505,689	419,720	397,708
Software \| On-premises and SaaS software
Disaggregation of Revenue [Line Items]
Total revenues	808,118	740,145	711,340
Software \| On-premises and SaaS software \| Transferred at Point in Time
Disaggregation of Revenue [Line Items]
Total revenues	78,099	90,238	76,284
Software \| On-premises and SaaS software \| Transferred over Time
Disaggregation of Revenue [Line Items]
Total revenues	730,019	649,907	635,056
Software \| Platform software (*)
Disaggregation of Revenue [Line Items]
Total revenues	382,782	237,056	200,004
Software \| Non-platform software
Disaggregation of Revenue [Line Items]
Total revenues	425,336	503,089	511,336
Americas
Disaggregation of Revenue [Line Items]
Total revenues	$ 2,273,229	$ 1,732,385	$ 1,449,888
Americas \| Revenue from Contract with Customer Benchmark \| Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	89.00%	87.00%	84.00%
Americas \| Scores
Disaggregation of Revenue [Line Items]
Total revenues	$ 1,642,945	$ 1,154,470	$ 905,266
Americas \| Software
Disaggregation of Revenue [Line Items]
Total revenues	630,284	577,915	544,622
Europe, Middle East and Africa
Disaggregation of Revenue [Line Items]
Total revenues	$ 169,788	$ 159,803	$ 169,526
Europe, Middle East and Africa \| Revenue from Contract with Customer Benchmark \| Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	7.00%	8.00%	10.00%
Europe, Middle East and Africa \| Scores
Disaggregation of Revenue [Line Items]
Total revenues	$ 6,350	$ 6,984	$ 5,908
Europe, Middle East and Africa \| Software
Disaggregation of Revenue [Line Items]
Total revenues	163,438	152,819	163,618
Asia Pacific
Disaggregation of Revenue [Line Items]
Total revenues	$ 91,856	$ 98,681	$ 98,112
Asia Pacific \| Revenue from Contract with Customer Benchmark \| Geographic Concentration Risk
Disaggregation of Revenue [Line Items]
Percentage	4.00%	5.00%	6.00%
Asia Pacific \| Scores
Disaggregation of Revenue [Line Items]
Total revenues	$ 2,927	$ 7,121	$ 8,476
Asia Pacific \| Software
Disaggregation of Revenue [Line Items]
Total revenues	88,929	91,560	89,636
UNITED STATES
Disaggregation of Revenue [Line Items]
Total revenues	$ 2,000,000	$ 1,500,000	$ 1,300,000

Revenue from Contracts with Customer - Schedule of Contract Balances, Deferred Revenues (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Change In Contract With Customer Liability [Roll Forward]
Deferred revenues, beginning balance	$ 189,238	$ 160,209
Revenue recognized that was included in the deferred revenues balance at the beginning of the period	(180,731)	(151,859)
Increases due to billings, excluding amounts recognized as revenue during the period	215,182	180,888
Deferred revenues, ending balance	223,689	189,238
Deferred revenue, current portion	222,100	187,400
Deferred revenue, long-term portion	$ 1,600	$ 1,800

Leases

12 Months Ended

Sep. 30, 2026

Leases [Abstract]

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, 2026 and 2025:


	Balance Sheet Location	September 30,
		2026		2025
		(In thousands)
Assets
Operating leases	Operating lease right-of-use assets	$	26,418	$	26,213
Finance leases (*)	Property and equipment, net	2,915		6,946
Total lease assets		$	29,333	$	33,159
Liabilities
Current:
Operating leases	Other accrued liabilities	$	9,107	$	9,615
Finance leases	Other accrued liabilities	2,485		3,266
Non-current:
Operating leases	Operating lease liabilities	18,816		19,187
Finance leases	Other liabilities	492		3,941
Total lease liabilities		$	30,900	$	36,009

(*) Finance leases were recorded net of accumulated depreciation of $7.5 million and $4.8 million at September 30, 2026 and 2025, respectively.

The components of our operating and finance lease expenses were as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Operating lease cost	$	11,162	$	11,686	$	14,421
Finance lease cost:
Depreciation of lease assets	2,736		2,935		1,859
Interest on lease liabilities	268		481		369
Short-term lease cost	1,111		802		811
Variable lease cost	1,903		1,906		2,060
Sublease income	(349)		(461)		(1,073)
Total lease cost	$	16,831	$	17,349	$	18,447

The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases:


	September 30,
	2026		2025
Operating leases:
Weighted-average remaining lease term (in months)	42		46
Weighted-average discount rate	6.32	%	6.58	%
Finance leases:
Weighted-average remaining lease term (in months)	18		28
Weighted-average discount rate	5.25	%	5.52	%

Supplemental cash flow information related to our non-cancellable leases was as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash outflow for operating leases	$	10,494	$	11,651	$	18,153
Operating cash outflow for finance leases	268		481		369
Financing cash outflow for finance leases	3,450		3,144		1,333
Lease assets obtained in exchange for new lease liabilities:
Operating leases	10,191		6,669		22,433
Finance leases	—		—		11,740

Future lease payments under our non-cancellable leases as of September 30, 2026 were as follows:


	Operating Leases		Finance Leases
	(In thousands)
Fiscal 2027	$	10,614	$	2,562
Fiscal 2028	8,850		501
Fiscal 2029	6,729		—
Fiscal 2030	2,491		—
Fiscal 2031	1,640		—
Thereafter	1,002		—
Total future undiscounted lease payments	31,326		3,063
Less imputed interest	(3,403)		(86)
Total reported lease liabilities	$	27,923	$	2,977

The amounts above do not include contractual sublease income totaling $0.2 million during fiscal 2027.

Leases

The following table presents the lease balances within the accompanying consolidated balance sheets as of September 30, 2026 and 2025:


	Balance Sheet Location	September 30,
		2026		2025
		(In thousands)
Assets
Operating leases	Operating lease right-of-use assets	$	26,418	$	26,213
Finance leases (*)	Property and equipment, net	2,915		6,946
Total lease assets		$	29,333	$	33,159
Liabilities
Current:
Operating leases	Other accrued liabilities	$	9,107	$	9,615
Finance leases	Other accrued liabilities	2,485		3,266
Non-current:
Operating leases	Operating lease liabilities	18,816		19,187
Finance leases	Other liabilities	492		3,941
Total lease liabilities		$	30,900	$	36,009

(*) Finance leases were recorded net of accumulated depreciation of $7.5 million and $4.8 million at September 30, 2026 and 2025, respectively.

The components of our operating and finance lease expenses were as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Operating lease cost	$	11,162	$	11,686	$	14,421
Finance lease cost:
Depreciation of lease assets	2,736		2,935		1,859
Interest on lease liabilities	268		481		369
Short-term lease cost	1,111		802		811
Variable lease cost	1,903		1,906		2,060
Sublease income	(349)		(461)		(1,073)
Total lease cost	$	16,831	$	17,349	$	18,447

The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases:


	September 30,
	2026		2025
Operating leases:
Weighted-average remaining lease term (in months)	42		46
Weighted-average discount rate	6.32	%	6.58	%
Finance leases:
Weighted-average remaining lease term (in months)	18		28
Weighted-average discount rate	5.25	%	5.52	%

Supplemental cash flow information related to our non-cancellable leases was as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash outflow for operating leases	$	10,494	$	11,651	$	18,153
Operating cash outflow for finance leases	268		481		369
Financing cash outflow for finance leases	3,450		3,144		1,333
Lease assets obtained in exchange for new lease liabilities:
Operating leases	10,191		6,669		22,433
Finance leases	—		—		11,740

Future lease payments under our non-cancellable leases as of September 30, 2026 were as follows:


	Operating Leases		Finance Leases
	(In thousands)
Fiscal 2027	$	10,614	$	2,562
Fiscal 2028	8,850		501
Fiscal 2029	6,729		—
Fiscal 2030	2,491		—
Fiscal 2031	1,640		—
Thereafter	1,002		—
Total future undiscounted lease payments	31,326		3,063
Less imputed interest	(3,403)		(86)
Total reported lease liabilities	$	27,923	$	2,977

The amounts above do not include contractual sublease income totaling $0.2 million during fiscal 2027.

Leases - Schedule of Operating Lease Liability Maturity (Details) $ in Thousands	Sep. 30, 2026 USD ($)
Operating Leases
Fiscal 2027	$ 10,614
Fiscal 2028	8,850
Fiscal 2029	6,729
Fiscal 2030	2,491
Fiscal 2031	1,640
Thereafter	1,002
Total future undiscounted lease payments	31,326
Less imputed interest	(3,403)
Operating Lease, Liability Total	$ 27,923

Revenue from Contracts with Customers (Tables)

12 Months Ended

Sep. 30, 2026

Revenue from Contract with Customer [Abstract]

Schedule of Disaggregation of Revenue

The following tables provide information about disaggregated revenue by primary geographical market:


	Year Ended September 30, 2026
	Scores		Software		Total		Percentage
	(Dollars in thousands)
Americas (*)	$	1,642,945	$	630,284	$	2,273,229	89	%
Europe, Middle East and Africa	6,350		163,438		169,788		7	%
Asia Pacific	2,927		88,929		91,856		4	%
Total	$	1,652,222	$	882,651	$	2,534,873	100	%

(*) Americas revenue included U.S. revenue of $2.0 billion for fiscal 2026.


	Year Ended September 30, 2025
	Scores		Software		Total		Percentage
	(Dollars in thousands)
Americas (*)	$	1,154,470	$	577,915	$	1,732,385	87	%
Europe, Middle East and Africa	6,984		152,819		159,803		8	%
Asia Pacific	7,121		91,560		98,681		5	%
Total	$	1,168,575	$	822,294	$	1,990,869	100	%

(*) Americas revenue included U.S. revenue of $1.5 billion for fiscal 2025.


	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	%

(*) Americas revenue included U.S. revenue of $1.3 billion for fiscal 2024.

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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
On-premises software	$	302,429	$	320,425	$	313,632	37	%	43	%	44	%
SaaS software	505,689		419,720		397,708		63	%	57	%	56	%
Total	$	808,118	$	740,145	$	711,340	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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Platform software (*)	$	382,782	$	237,056	$	200,004	47	%	32	%	28	%
Non-platform software	425,336		503,089		511,336		53	%	68	%	72	%
Total	$	808,118	$	740,145	$	711,340	100	%	100	%	100	%

(*) FICO platform software is a set of interoperable capabilities which use software assets owned and/or governed by FICO for building solutions and services which conform to FICO architectural standards based on key elements of Cloud Native Computing design principles. These standards encompass shared security context and access using FICO standard application programming interfaces.

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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Software recognized at a point in time (1)	$	78,099	$	90,238	$	76,284	10	%	12	%	11	%
Software recognized over contract term (2)	730,019		649,907		635,056		90	%	88	%	89	%
Total	$	808,118	$	740,145	$	711,340	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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Business-to-business Scores	$	1,422,193	$	948,595	$	711,843	86	%	81	%	77	%
Business-to-consumer Scores	230,029		219,980		207,807		14	%	19	%	23	%
Total	$	1,652,222	$	1,168,575	$	919,650	100	%	100	%	100	%

Schedule of Accounts Receivable

Receivables at September 30, 2026 and 2025 consisted of the following:


	September 30,
	2026		2025
	(In thousands)
Billed	$	396,169	$	327,721
Unbilled	240,163		246,600
	636,332		574,321
Less: allowance for doubtful accounts	(7,274)		(7,964)
Net receivables	629,058		566,357
Less: long-term receivables (*)	(26,112)		(37,209)
Short-term receivables (*)	$	602,946	$	529,148

(*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying consolidated balance sheets.

Schedule of Accounts Receivable, Allowance for Credit Loss

Activity in the allowance for doubtful accounts was as follows:


	Year Ended September 30,
	2026		2025
	(In thousands)
Allowance for doubtful accounts, beginning balance	$	7,964	$	6,454
Add: expense	—		1,485
Less: write-offs, net of recoveries	(690)		25
Allowance for doubtful accounts, ending balance	$	7,274	$	7,964

Schedule of Rollforward of Deferred Revenues

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,
	2026		2025
	(In thousands)
Deferred revenues, beginning balance	$	189,238	$	160,209
Revenue recognized that was included in the deferred revenues balance at the beginning of the period	(180,731)		(151,859)
Increases due to billings, excluding amounts recognized as revenue during the period	215,182		180,888
Deferred revenues, ending balance (*)	$	223,689	$	189,238

(*) Deferred revenues at September 30, 2026 included current portion of $222.1 million and long-term portion of $1.6 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets. Deferred revenues at September 30, 2025 included current portion of $187.4 million and long-term portion of $1.8 million that were recorded in deferred revenue and other liabilities, respectively, within the consolidated balance sheets.

Revenue from Contracts with Customers - Schedule of Contract Balances - Receivables (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Billed	$ 396,169	$ 327,721
Unbilled	240,163	246,600
Accounts receivable, gross	636,332	574,321
Less: allowance for doubtful accounts	(7,274)	(7,964)	$ (6,454)
Net receivables	629,058	566,357
Less: long-term receivables	(26,112)	(37,209)
Short-term receivables	$ 602,946	$ 529,148

Fair Value Measurements (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Assets:
Cash equivalents	$ 5,210	$ 6
Marketable securities	51,714	54,625
Total	56,924	54,631
Cash deposits	212,400	134,100
Active Markets for Identical Instruments (Level 1)
Assets:
Cash equivalents	5,210	6
Marketable securities	51,714	54,625
Total	$ 56,924	$ 54,631

- Definition

Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 210
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-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (SX 210.5-02(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 230
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-Name Accounting Standards Codification
-Section 45
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-URI https://asc.fasb.org/1943274/2147482740/230-10-45-4

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 230
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-Name Accounting Standards Codification
-Section 50
-Paragraph 8
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-URI https://asc.fasb.org/1943274/2147482913/230-10-50-8

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Accounting Standards Codification
-Section S45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478478/942-210-S50-1

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(1))
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 944
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147477548/944-605-55-14

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 944
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-Name Accounting Standards Codification
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-Paragraph 11
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477548/944-605-55-11

Reference 9: http://www.xbrl.org/2003/role/exampleRef
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-SubTopic 10
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
-SubTopic 830
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479168/946-830-55-12

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03(a)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section 45
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477796/946-210-45-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 20
-SubTopic 210
-Topic 946
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477796/946-210-45-20

+ Details

Revenue from Contracts with Customers

12 Months Ended

Sep. 30, 2026

Revenue from Contract with Customer [Abstract]

Revenue from Contracts with Customers

Contracts with Customers

Our revenue is primarily derived from on-premises software and software-as-a-service (“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 third-party cloud services or our own infrastructure. 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

The following tables provide information about disaggregated revenue by primary geographical market:


	Year Ended September 30, 2026
	Scores		Software		Total		Percentage
	(Dollars in thousands)
Americas (*)	$	1,642,945	$	630,284	$	2,273,229	89	%
Europe, Middle East and Africa	6,350		163,438		169,788		7	%
Asia Pacific	2,927		88,929		91,856		4	%
Total	$	1,652,222	$	882,651	$	2,534,873	100	%

(*) Americas revenue included U.S. revenue of $2.0 billion for fiscal 2026.


	Year Ended September 30, 2025
	Scores		Software		Total		Percentage
	(Dollars in thousands)
Americas (*)	$	1,154,470	$	577,915	$	1,732,385	87	%
Europe, Middle East and Africa	6,984		152,819		159,803		8	%
Asia Pacific	7,121		91,560		98,681		5	%
Total	$	1,168,575	$	822,294	$	1,990,869	100	%

(*) Americas revenue included U.S. revenue of $1.5 billion for fiscal 2025.


	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	%

(*) Americas revenue included U.S. revenue of $1.3 billion for fiscal 2024.

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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
On-premises software	$	302,429	$	320,425	$	313,632	37	%	43	%	44	%
SaaS software	505,689		419,720		397,708		63	%	57	%	56	%
Total	$	808,118	$	740,145	$	711,340	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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Platform software (*)	$	382,782	$	237,056	$	200,004	47	%	32	%	28	%
Non-platform software	425,336		503,089		511,336		53	%	68	%	72	%
Total	$	808,118	$	740,145	$	711,340	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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Software recognized at a point in time (1)	$	78,099	$	90,238	$	76,284	10	%	12	%	11	%
Software recognized over contract term (2)	730,019		649,907		635,056		90	%	88	%	89	%
Total	$	808,118	$	740,145	$	711,340	100	%	100	%	100	%

(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
	2026		2025		2024		2026		2025		2024
	(Dollars in thousands)
Business-to-business Scores	$	1,422,193	$	948,595	$	711,843	86	%	81	%	77	%
Business-to-consumer Scores	230,029		219,980		207,807		14	%	19	%	23	%
Total	$	1,652,222	$	1,168,575	$	919,650	100	%	100	%	100	%

We derive a substantial portion of revenues from our contracts with the three major consumer reporting agencies, Experian, TransUnion, and Equifax. Revenues collectively generated by agreements with these customers accounted for 60%, 51% and 45% of our total revenues in fiscal 2026, 2025 and 2024, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of fiscal 2026, 2025 and 2024. At September 30, 2026 and September 30, 2025, three customers and two customers, respectively, accounted for 10% or more of total consolidated receivables.

Contract Balances

We record a receivable when we satisfy a performance obligation prior to invoicing if only the passage of time is required before payment is due or if we have an unconditional right to consideration before we satisfy a performance obligation. We record a contract asset when we satisfy a performance obligation prior to invoicing but our right to consideration is conditional. We record deferred revenue when the payment is made or due before we satisfy a performance obligation.

Receivables at September 30, 2026 and 2025 consisted of the following:


	September 30,
	2026		2025
	(In thousands)
Billed	$	396,169	$	327,721
Unbilled	240,163		246,600
	636,332		574,321
Less: allowance for doubtful accounts	(7,274)		(7,964)
Net receivables	629,058		566,357
Less: long-term receivables (*)	(26,112)		(37,209)
Short-term receivables (*)	$	602,946	$	529,148

(*) 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,
	2026		2025
	(In thousands)
Allowance for doubtful accounts, beginning balance	$	7,964	$	6,454
Add: expense	—		1,485
Less: write-offs, net of recoveries	(690)		25
Allowance for doubtful accounts, ending balance	$	7,274	$	7,964


	Year Ended September 30,
	2026		2025
	(In thousands)
Deferred revenues, beginning balance	$	189,238	$	160,209
Revenue recognized that was included in the deferred revenues balance at the beginning of the period	(180,731)		(151,859)
Increases due to billings, excluding amounts recognized as revenue during the period	215,182		180,888
Deferred revenues, ending balance (*)	$	223,689	$	189,238

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 $701.5 million as of September 30, 2026, approximately 50% of which we expect to recognize over the next 13 months and the remainder thereafter. Revenue allocated to remaining performance obligations was $655.7 million as of September 30, 2025.

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 $64.4 million and $63.2 million at September 30, 2026 and 2025, 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 $10.8 million, $9.9 million, and $9.2 million during the years ended September 30, 2026, 2025 and 2024, 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.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

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+ Details

Segment Information (Tables)

12 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

Schedule of Segment Information

The following tables summarize segment information for fiscal 2026, 2025 and 2024:


	Year Ended September 30, 2026
	Scores		Software		Total
	(In thousands)
Segment revenues:
On-premises and SaaS software	$	—	$	808,118	$	808,118
Professional services	—		74,533		74,533
Scores	1,652,222		—		1,652,222
Total segment revenues	1,652,222		882,651		2,534,873
Segment operating expense	(162,360)		(633,030)		(795,390)
Segment operating income	$	1,489,862	$	249,621	$	1,739,483
Unallocated corporate expenses					(261,039)
Unallocated share-based compensation expense					(185,457)

Unallocated restructuring charges					(27,293)

Operating income					1,265,694
Unallocated interest expense, net					(223,314)
Unallocated other income, net					57,670
Income before income taxes					$	1,100,050


	Year Ended September 30, 2025
	Scores		Software		Total
	(In thousands)
Segment revenues:
On-premises and SaaS software	$	—	$	740,145	$	740,145
Professional services	—		82,149		82,149
Scores	1,168,575		—		1,168,575
Total segment revenues	1,168,575		822,294		1,990,869
Segment operating expense	(142,332)		(574,600)		(716,932)
Segment operating income	$	1,026,243	$	247,694	1,273,937
Unallocated corporate expenses					(181,498)
Unallocated share-based compensation expense					(156,667)

Unallocated restructuring charges					(10,922)

Operating income					924,850
Unallocated interest expense, net					(133,647)
Unallocated other income, net					11,392
Income before income taxes					$	802,595


	Year Ended September 30, 2024
	Scores		Software		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)		(646,643)
Segment operating income	$	813,354	$	257,529	1,070,883
Unallocated corporate expenses					(186,898)
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

The following table presents depreciation and amortization on property and equipment for fiscal 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Depreciation and amortization:
Scores	$	394	$	512	$	451
Software	8,781		10,071		8,881
Total segment depreciation and amortization	9,175		10,583		9,332
Unallocated corporate	1,453		75		66
Total depreciation and amortization	$	10,628	$	10,658	$	9,398

- Definition

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

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+ Details

Debt - Schedule of Senior Notes (Details) - Senior Notes - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Debt Instrument [Line Items]
Face Value	$ 3,400,000	$ 2,800,000
Fair Value	3,082,000	2,793,500
The 2018 Senior Notes
Debt Instrument [Line Items]
Face Value	0	400,000
Fair Value	0	399,500
The 2026 Senior Notes
Debt Instrument [Line Items]
Face Value	900,000	900,000
Fair Value	859,500	875,250
The 2025 Senior Notes
Debt Instrument [Line Items]
Face Value	1,500,000	1,500,000
Fair Value	1,335,000	1,518,750
The 2026 Senior Notes
Debt Instrument [Line Items]
Face Value	1,000,000	0
Fair Value	$ 887,500	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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- Definition

The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission.

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+ Details

Goodwill (Details) - USD ($)	12 Months Ended
Goodwill (Details) - USD ($)	Sep. 30, 2026	Sep. 30, 2025
Goodwill [Line Items]
Accumulated goodwill impairment loss	$ 0
Goodwill [Roll Forward]
Beginning Balance	783,340,000	$ 782,752,000
Foreign currency translation adjustment	8,527,000	588,000
Ending Balance	791,867,000	783,340,000
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
Software
Goodwill [Roll Forward]
Beginning Balance	636,692,000	636,104,000
Foreign currency translation adjustment	8,527,000	588,000
Ending Balance	$ 645,219,000	$ 636,692,000

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

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- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Debt - Schedule of Carrying Value (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Current maturities on debt:
Less: debt issuance costs	$ 0	$ (459)
Current maturities on debt	337,500	399,541
Long-term debt:
Less: debt issuance costs	(25,896)	(18,850)
Long-term debt	4,921,604	2,656,150
Total	5,259,104	3,055,691
Loans Payable \| Term loan \| Unsecured Debt
Current maturities on debt:
Current maturities on debt, gross	337,500	0
Long-term debt:
Long-term debt, gross	847,500	0
Loans Payable \| The 2019 Senior Notes and the 2021 Senior Notes \| Unsecured Debt
Long-term debt:
Long-term debt, gross	900,000	900,000
Senior Notes
Long-term debt:
Total	3,400,000
Senior Notes \| The 2018 Senior Notes
Current maturities on debt:
Current maturities on debt, gross	0	400,000
Long-term debt:
Long-term debt, gross	1,500,000	1,500,000
Senior Notes \| The 2026 Senior Notes
Long-term debt:
Long-term debt, gross	1,000,000	0
Revolving line of credit
Long-term debt:
Total	1,185,000
Revolving line of credit \| Revolving Credit Facility
Long-term debt:
Long-term debt, gross	$ 700,000	$ 275,000

Derivative Financial Instruments - Schedule of Outstanding Forward Foreign Currency Contracts by Currency (Details) € in Thousands, £ in Thousands, $ in Thousands, $ in Thousands	Sep. 30, 2026 USD ($)	Sep. 30, 2026 EUR (€)	Sep. 30, 2026 GBP (£)	Sep. 30, 2026 SGD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2025 EUR (€)	Sep. 30, 2025 GBP (£)	Sep. 30, 2025 SGD ($)
Foreign Exchange Contracts To Sell European Euro for US Dollar
Derivative [Line Items]
Fair Value	$ 0				$ 0
Foreign Exchange Contracts To Sell European Euro for US Dollar \| Foreign Currency Forward Contracts \| Short \| Not Designated as Hedging Instrument
Derivative [Line Items]
Contract Amount	6,700	€ 5,900			9,034	€ 7,700
Foreign Exchange Contracts To Purchase British Pounds With US Dollars
Derivative [Line Items]
Fair Value	0				0
Foreign Exchange Contracts To Purchase British Pounds With US Dollars \| Foreign Currency Forward Contracts \| Short \| Not Designated as Hedging Instrument
Derivative [Line Items]
Contract Amount	10,700		£ 8,029		13,500		£ 10,019
Foreign Exchange Contracts To Purchase Singapore Dollars With United States Dollars
Derivative [Line Items]
Fair Value	0				0
Foreign Exchange Contracts To Purchase Singapore Dollars With United States Dollars \| Foreign Currency Forward Contracts \| Short \| Not Designated as Hedging Instrument
Derivative [Line Items]
Contract Amount	$ 6,900			$ 8,756	$ 6,300			$ 8,087

Accelerated Share Repurchase	12 Months Ended
Accelerated Share Repurchase	Sep. 30, 2026
Equity [Abstract]
Accelerated Share Repurchase	Accelerated Share Repurchase Our Board of Directors has authorized us to make repurchases of shares of our common stock from time to time in the open market, in negotiated transactions, or through accelerated share repurchase programs. As part of the broader stock repurchase program, we entered into an accelerated share repurchase agreement (“ASR Agreement”) with Wells Fargo Securities, Inc. (“Wells Fargo Securities”) on June 5, 2026 to repurchase $1.5 billion of our common stock. The ASR Agreement was accounted for as two separate transactions: (1) a repurchase of shares of common stock and (2) an equity-linked contract on our own common stock. Pursuant to the ASR Agreement, in June 2026 we paid $1.5 billion to Wells Fargo Securities and received an initial delivery of 1,055,103 shares of common stock, which had a value of approximately $1.2 billion, representing approximately 80 percent of the total number of expected shares to be repurchased under the ASR Agreement. The equity-linked contract for the remaining $300.0 million, representing shares to be delivered by Wells Fargo Securities to us under the ASR Agreement at settlement, was recorded as a reduction within stockholders’ deficit and was settled in July 2026 with 229,640 additional shares of common stock delivered to us. In total, 1,284,743 shares were repurchased under the ASR Agreement. We were not required to make any additional cash payments or deliver any shares of common stock to Wells Fargo Securities upon settlement of the ASR Agreement.

Leases - Schedule of Lease Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Assets
Operating lease right-of-use assets	$ 26,418	$ 26,213
Finance lease, right-of-use asset	2,915	6,946
Lease Assets	$ 29,333	$ 33,159
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	$ 9,107	$ 9,615
Operating Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Other accrued liabilities	Other accrued liabilities
Finance lease liabilities, current	$ 2,485	$ 3,266
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Other accrued liabilities	Other accrued liabilities
Operating lease liabilities	$ 18,816	$ 19,187
Finance lease liabilities, non-current	$ 492	$ 3,941
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Total lease liabilities	$ 30,900	$ 36,009
Accumulated depreciation	$ 7,500	$ 4,800

Cover - USD ($)	12 Months Ended
Cover - USD ($)	Sep. 30, 2026	Oct. 23, 2026	Mar. 31, 2026
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2026
Current Fiscal Year End Date	--09-30
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
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 20,917,349,525
Entity Common Stock, Shares Outstanding		21,380,929
Documents Incorporated by Reference	Portions of the Registrant’s definitive proxy statement relating to its 2027 Annual Meeting of Stockholders (“2027 Proxy Statement”) are incorporated by reference into Part III of this Annual Report on Form 10-K where indicated. The 2027 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.
Amendment Flag	false
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	FY
Entity Central Index Key	0000814547

Cash, Cash Equivalents and Marketable Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Cash, cash equivalents and marketable securities [Line Items]
Amortized Cost	$ 217,599	$ 134,136
Fair Value	217,599	134,136
Amortized Cost	38,987	40,603
Fair Value	51,714	54,625
Cash
Cash, cash equivalents and marketable securities [Line Items]
Amortized Cost	212,389	134,130
Fair Value	212,389	134,130
Money market funds
Cash, cash equivalents and marketable securities [Line Items]
Amortized Cost	0	6
Fair Value	0	6
Bank time deposits
Cash, cash equivalents and marketable securities [Line Items]
Amortized Cost	5,210	0
Fair Value	$ 5,210	$ 0

Restructuring Charges

12 Months Ended

Sep. 30, 2026

Restructuring and Related Activities [Abstract]

Restructuring Charges

During fiscal 2026, we incurred restructuring charges of $27.3 million in employee separation costs due to the elimination of approximately 15% of positions across the Company. Cash payments for the remaining employee separation costs will be paid by the end of fiscal 2027.

During fiscal 2025, we incurred restructuring charges of $10.9 million in employee separation costs due to the elimination of 226 positions across the Company. Cash payments for these employee separation costs were paid before the end of fiscal 2026.

There were no restructuring charges incurred during fiscal 2024.


	Year Ended September 30,
	2026		2025
	(In thousands)
Restructuring accrual, beginning balance	$	9,974	$	—
Expense additions	27,293		10,922
Cash payments	(14,473)		(948)
Restructuring accrual, ending balance	$	22,794	$	9,974

Share-Based Employee Benefit Plans - Schedule of Assumptions Used to Estimate Fair Value of Market Stock Units (Details) - Market stock units (MSUs)	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected volatility in FICO’s stock price	36.00%	36.20%	36.30%
Expected volatility in Russell 3000 Index			18.20%
Expected volatility in S&P 500 Index (peer average)	29.90%	30.90%
Correlation between FICO and the Russell 3000 Index			60.30%
Correlation between FICO and the S&P 500 Index	24.70%	30.30%
Risk-free interest rate	3.62%	4.09%	4.39%
Average expected dividend yield	0.00%	0.00%	0.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Derivative Financial Instruments - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Derivative [Line Items]
Short-term forward contracts, average maturities at inception (less than)	3 months
Foreign Currency Forward Contracts
Derivative [Line Items]
Forward foreign currency contracts fair value	$ 0	$ 0

Segment Information

12 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

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 decisioning capabilities, models and solutions designed to operationalize intelligence across specific types of business needs or processes — such as account origination, customer management, customer engagement, fraud detection, and marketing — as well as associated professional services. This segment is anchored by FICO® Platform, a modern and modular set of multi-purpose intelligent decisioning capabilities that are designed to support artificial intelligence, and advanced analytic and decisioning use cases. Our offerings are available to our customers as SaaS or as on-premises software.

Our chief operating decision maker (“CODM”), who is our Chief Executive Officer, evaluates segment financial performance based on segment revenues, segment operating expenses in total and segment operating income. Segment operating expenses consist of direct and indirect costs principally related to personnel, facilities, IT infrastructure, depreciation and amortization, consulting and travel. Indirect costs are allocated to the segments generally based on relative segment revenues, fixed rates established by management based upon estimated expense contribution levels and other assumptions that management considers reasonable. We do not allocate broad-based incentive expense, share-based compensation expense, restructuring and acquisition-related expense, amortization expense, various corporate charges and certain other income and expense measures to our segments. These income and expense items are not allocated because they are not considered in evaluating the segment’s operating performance. Our CODM does not evaluate the financial performance of each segment based on its respective assets or capital expenditures; rather, depreciation and amortization amounts are allocated to the segments from their internal cost centers as described above.

The following tables summarize segment information for fiscal 2026, 2025 and 2024:


	Year Ended September 30, 2026
	Scores		Software		Total
	(In thousands)
Segment revenues:
On-premises and SaaS software	$	—	$	808,118	$	808,118
Professional services	—		74,533		74,533
Scores	1,652,222		—		1,652,222
Total segment revenues	1,652,222		882,651		2,534,873
Segment operating expense	(162,360)		(633,030)		(795,390)
Segment operating income	$	1,489,862	$	249,621	$	1,739,483
Unallocated corporate expenses					(261,039)
Unallocated share-based compensation expense					(185,457)

Unallocated restructuring charges					(27,293)

Operating income					1,265,694
Unallocated interest expense, net					(223,314)
Unallocated other income, net					57,670
Income before income taxes					$	1,100,050


	Year Ended September 30, 2025
	Scores		Software		Total
	(In thousands)
Segment revenues:
On-premises and SaaS software	$	—	$	740,145	$	740,145
Professional services	—		82,149		82,149
Scores	1,168,575		—		1,168,575
Total segment revenues	1,168,575		822,294		1,990,869
Segment operating expense	(142,332)		(574,600)		(716,932)
Segment operating income	$	1,026,243	$	247,694	1,273,937
Unallocated corporate expenses					(181,498)
Unallocated share-based compensation expense					(156,667)

Unallocated restructuring charges					(10,922)

Operating income					924,850
Unallocated interest expense, net					(133,647)
Unallocated other income, net					11,392
Income before income taxes					$	802,595


	Year Ended September 30, 2024
	Scores		Software		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)		(646,643)
Segment operating income	$	813,354	$	257,529	1,070,883
Unallocated corporate expenses					(186,898)
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

The following table presents depreciation and amortization on property and equipment for fiscal 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Depreciation and amortization:
Scores	$	394	$	512	$	451
Software	8,781		10,071		8,881
Total segment depreciation and amortization	9,175		10,583		9,332
Unallocated corporate	1,453		75		66
Total depreciation and amortization	$	10,628	$	10,658	$	9,398

Long-lived assets held outside of the U.S. were immaterial at September 30, 2026 and 2025.

- Definition

The entire disclosure for segment reporting.

+ References

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+ Details

Share-Based Employee Benefit Plans (Tables)

12 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Restricted Stock Unit and Market Stock Unit Activity

The following table summarizes the RSUs activity during fiscal 2026:


	Shares	Weighted-average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	214	$	1,114.47
Granted	120	1,501.46
Released	(109)	916.88
Forfeited	(13)	1,347.77
Outstanding at September 30, 2026	212	$	1,421.47

The following table summarizes the MSUs activity during fiscal 2026:


	Shares	Weighted- average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	45	$	1,611.35
Granted	22	1,878.31
Released	(23)	1,251.48
Forfeited	(5)	1,882.76
Outstanding at September 30, 2026	39	$	1,944.61

Schedule of Performance Stock Unit Activity

The following table summarizes the PSUs activity during fiscal 2026:


	Shares	Weighted- average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	46	$	1,283.09
Granted	23	1,751.69
Released	(27)	1,055.18

Outstanding at September 30, 2026	42	$	1,691.84

Schedule of 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 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024

Expected volatility in FICO’s stock price	36.0	%	36.2	%	36.3	%
Expected volatility in Russell 3000 Index	N/A		N/A		18.2	%
Expected volatility in S&P 500 Index (peer average)	29.9	%	30.9	%	N/A
Correlation between FICO and the Russell 3000 Index	N/A		N/A		60.3	%
Correlation between FICO and the S&P 500 Index	24.7	%	30.3	%	N/A
Risk-free interest rate	3.62	%	4.09	%	4.39	%
Average expected dividend yield	—	%	—	%	—	%

Schedule of 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 2026, 2025 and 2024:


	Year Ended September 30,
	2026				2025				2024
Stock Options:
Weighted-average expected term (years)			4.34				4.40				4.46
Expected volatility (range)	37.7	-	43.7	%	34.6	-	36.5	%	33.6	-	33.9	%
Weighted-average volatility			38.5	%			35.0	%			33.7	%
Risk-free interest rate (range)	3.63	-	4.21	%	3.89	-	4.08	%	4.18	-	4.30	%
Weighted-average expected dividend yield			—	%			—	%			—	%

Schedule of Option Activity

The following table summarizes option activity during fiscal 2026:


	Shares	Weighted- average Exercise Price		Weighted- average Remaining Contractual Term	Aggregate Intrinsic Value
	(In thousands)			(In years)	(In thousands)
Outstanding at September 30, 2025	129	$	670.08
Granted	8	1,617.99
Exercised	(23)	276.12


Outstanding at September 30, 2026	114	$	812.54	3.21	$	6,483
Exercisable at September 30, 2026	80	$	695.25	2.72	$	6,483
Vested or expected to vest at September 30, 2026	113	$	804.66	3.18	$	6,483

Leases (Tables)

12 Months Ended

Sep. 30, 2026

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, 2026 and 2025:


	Balance Sheet Location	September 30,
		2026		2025
		(In thousands)
Assets
Operating leases	Operating lease right-of-use assets	$	26,418	$	26,213
Finance leases (*)	Property and equipment, net	2,915		6,946
Total lease assets		$	29,333	$	33,159
Liabilities
Current:
Operating leases	Other accrued liabilities	$	9,107	$	9,615
Finance leases	Other accrued liabilities	2,485		3,266
Non-current:
Operating leases	Operating lease liabilities	18,816		19,187
Finance leases	Other liabilities	492		3,941
Total lease liabilities		$	30,900	$	36,009

(*) Finance leases were recorded net of accumulated depreciation of $7.5 million and $4.8 million at September 30, 2026 and 2025, respectively.

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,
	2026		2025		2024
	(In thousands)
Operating lease cost	$	11,162	$	11,686	$	14,421
Finance lease cost:
Depreciation of lease assets	2,736		2,935		1,859
Interest on lease liabilities	268		481		369
Short-term lease cost	1,111		802		811
Variable lease cost	1,903		1,906		2,060
Sublease income	(349)		(461)		(1,073)
Total lease cost	$	16,831	$	17,349	$	18,447

The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance leases:


	September 30,
	2026		2025
Operating leases:
Weighted-average remaining lease term (in months)	42		46
Weighted-average discount rate	6.32	%	6.58	%
Finance leases:
Weighted-average remaining lease term (in months)	18		28
Weighted-average discount rate	5.25	%	5.52	%

Supplemental cash flow information related to our non-cancellable leases was as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash outflow for operating leases	$	10,494	$	11,651	$	18,153
Operating cash outflow for finance leases	268		481		369
Financing cash outflow for finance leases	3,450		3,144		1,333
Lease assets obtained in exchange for new lease liabilities:
Operating leases	10,191		6,669		22,433
Finance leases	—		—		11,740

Schedule of Future Lease Payments, Operating Leases

Future lease payments under our non-cancellable leases as of September 30, 2026 were as follows:


	Operating Leases		Finance Leases
	(In thousands)
Fiscal 2027	$	10,614	$	2,562
Fiscal 2028	8,850		501
Fiscal 2029	6,729		—
Fiscal 2030	2,491		—
Fiscal 2031	1,640		—
Thereafter	1,002		—
Total future undiscounted lease payments	31,326		3,063
Less imputed interest	(3,403)		(86)
Total reported lease liabilities	$	27,923	$	2,977

Schedule of Future Lease Payments, Finance Leases

Future lease payments under our non-cancellable leases as of September 30, 2026 were as follows:


	Operating Leases		Finance Leases
	(In thousands)
Fiscal 2027	$	10,614	$	2,562
Fiscal 2028	8,850		501
Fiscal 2029	6,729		—
Fiscal 2030	2,491		—
Fiscal 2031	1,640		—
Thereafter	1,002		—
Total future undiscounted lease payments	31,326		3,063
Less imputed interest	(3,403)		(86)
Total reported lease liabilities	$	27,923	$	2,977

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Leases [Abstract]
Operating lease cost	$ 11,162	$ 11,686	$ 14,421
Depreciation of lease assets	2,736	2,935	1,859
Interest on lease liabilities	268	481	369
Short-term lease cost	1,111	802	811
Variable lease cost	1,903	1,906	2,060
Sublease income	(349)	(461)	(1,073)
Total lease cost	$ 16,831	$ 17,349	$ 18,447
Operating Lease, weighted average remaining lease term	42 months	46 months
Operating lease, weighted average discount rate	6.32%	6.58%
Finance lease, weighted average remaining lease term	18 months	28 months
Finance lease, weighted average discount rate	5.25%	5.52%

Income Taxes

12 Months Ended

Sep. 30, 2026

Income Tax Disclosure [Abstract]

Income Taxes

The provision for income taxes was as follows during fiscal 2026, 2025 and 2024:


	Year ended September 30,
	2026		2025		2024
	(In thousands)
Current:
Federal	$	159,313	$	123,340	$	110,402
State	38,007		23,818		10,199
Foreign	44,114		35,977		35,943
	241,434		183,135		156,544
Deferred:
Federal	24,692		(26,949)		(26,227)
State	3,757		(3,330)		(1,712)
Foreign	(4,800)		(2,207)		609
	23,649		(32,486)		(27,330)
Total provision	$	265,083	$	150,649	$	129,214

The foreign provision was based on foreign pre-tax earnings of $141.4 million, $144.5 million and $150.8 million in fiscal 2026, 2025 and 2024, respectively. Current foreign tax expense related to foreign tax withholdings was $14.6 million, $15.6 million and $14.6 million in fiscal 2026, 2025 and 2024, respectively. Foreign withholding tax and related foreign tax credits are included in current tax expense above.

Deferred tax assets and liabilities at September 30, 2026 and 2025 were as follows:


	September 30,
	2026		2025
	(In thousands)
Deferred tax assets:
Loss and credit carryforwards	$	6,658	$	6,876
Compensation benefits	36,377		31,638

Operating lease liabilities	7,144		7,375
Research and development costs	66,591		100,304
Proposed litigation settlement	15,600		—
Other assets	24,203		21,538


Total deferred tax assets	156,573		167,731
Deferred tax liabilities:
Intangible assets	(8,159)		(8,612)
Deferred commission	(15,416)		(15,134)

Operating lease right-of-use assets	(6,506)		(6,479)
Gain on sale of equity investment	(11,503)		—
Other liabilities	(19,326)		(18,953)
Total deferred tax liabilities	(60,910)		(49,178)
Deferred tax assets, net	$	95,663	$	118,553

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, 2026.

As of September 30, 2026, we had an available U.S. federal net operating loss (“NOL”) carryforward of approximately $1.2 million. The U.S. federal NOL was acquired in connection with our acquisition of Infoglide in fiscal 2013. The U.S. federal NOL carryforward will expire in fiscal 2032, if not utilized. Utilization of the U.S. federal NOL 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 $6.3 million as of September 30, 2026.

Beginning in the fiscal year ended September 30, 2026, we adopted ASU 2023-09 prospectively. A reconciliation of the U.S. federal statutory income tax rate to our effective income tax rate pursuant to the disclosure requirements of ASU 2023-09 for the year ended September 30, 2026 is as follows:


	Year Ended September 30, 2026
	Amount		%
	(In thousands)
Income tax provision at U.S. federal statutory rate	$	231,010	21.0	%
State income taxes, net of U.S. federal benefit (*)	34,356		3.1	%
Foreign tax effects	21,756		2.0	%
Effects of cross-border tax laws	(9,000)		(0.8)	%
Tax credits
Research credits	(13,128)		(1.2)	%
Foreign tax credits	(10,231)		(0.9)	%
Nontaxable or nondeductible items
Limitations on executive compensations	19,108		1.7	%
Share-based compensation windfall	(13,989)		(1.3)	%
Other	3,054		0.3	%
Changes in unrecognized tax benefits	1,642		0.1	%
Other adjustments	505		0.1	%
Recorded income tax provision	$	265,083	24.1	%

(*) State taxes in California and Florida made up the majority (greater than 50 percent) of this category.


	Year Ended September 30,
	2025		2024
	(In thousands)
Income tax provision at U.S. federal statutory rate	$	168,545	$	134,825
State income taxes, net of U.S. federal benefit	18,733		13,109
Foreign tax rate differential	5,812		6,675
Research credits	(6,683)		(5,472)



Valuation allowance	—		(2,183)

Excess tax benefits relating to share-based compensation	(27,638)		(14,907)

GILTI, FDII, BEAT and FTC	(10,896)		(9,265)
Other	2,776		6,432
Recorded income tax provision	$	150,649	$	129,214

Cash paid for income taxes, net of refunds received, by jurisdiction pursuant to the disclosure requirements of ASU 2023-09 for the year ended September 30, 2026 is as follows:


	Year Ended September 30, 2026
	(In thousands)
Federal	$	154,100
State
California	19,992
Other	21,648
Foreign
United Kingdom	13,335
Other	17,292
Cash paid for income taxes, net of refunds received	$	226,367

As of September 30, 2026, we had approximately $130.6 million of unremitted earnings of non-U.S. subsidiaries. We have provided $3.4 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, we expect the net impact of any future repatriations to be immaterial to our 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 2023.

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Gross unrecognized tax benefits at beginning of year	$	19,505	$	19,879	$	13,849
Gross increases for tax positions in prior years	1,032		678		4,769
Gross decreases for tax positions in prior years	—		—		(1,956)
Gross increases based on tax positions related to the current year	3,500		3,675		4,277

Decreases due to statute expiration	(2,904)		(4,727)		(1,060)
Gross unrecognized tax benefits at end of year	$	21,133	$	19,505	$	19,879

We had $21.1 million of total unrecognized tax benefits as of September 30, 2026, including $19.3 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 in 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, 2026, we had accrued interest of $2.3 million related to the unrecognized tax benefits.

The Organization for Economic Co-operation and Development published Pillar Two Model Rules (“Pillar Two”) for a global 15% minimum tax rate that has been adopted by a number of jurisdictions in which we operate. Pillar Two did not have a material impact on our fiscal 2026 consolidated financial statements.

The One Big Beautiful Bill Act (the “OBBBA”) of 2025 was signed into law on July 4, 2025. Among its provisions, the OBBBA allows immediate expensing of domestic research and experimental (“R&E”) expenditures and an election to accelerate unamortized domestic R&E over a one or two-year period, both effective for FICO in fiscal 2026, and FICO elected the two-year period. The impacts of the OBBBA were reflected in FICO’s results for the year ended September 30, 2026. The OBBBA did not have a material impact on our fiscal 2026 effective tax rate. Its effects were reflected primarily in our income taxes payable and our deferred tax asset.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-Topic 235
-SubTopic 10
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-Subparagraph (SX 210.4-08(h)(2))
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/740/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
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+ Details

Nature of Business and Summary of Significant Accounting Policies (Policies)

12 Months Ended

Sep. 30, 2026

Accounting Policies [Abstract]

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.

Use of 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

Investments

Concentration of Risk

A significant portion of our revenues are derived from the sales of products and services to the financial services industries.

Property and Equipment


	Estimated Useful Life
Data processing equipment and purchased software	3 years
Internal-use software	4 years
Office furniture and equipment	3 years	to	7 years
Leasehold improvements	Shorter of estimated useful life or lease term

Internal-use Software

Internal-Use Software

Capitalized Software and Research and Development Costs

Goodwill and Other Long-Lived Assets

Impairment of Long-Lived Assets

Revenue Recognition

See Note 9 for further discussion on revenues.

Income Taxes

Earnings per Share

Comprehensive Income

Foreign Currency and Derivative Financial Instruments

Share-Based Compensation

Advertising and Promotion Costs

New Accounting Pronouncements

Recent Accounting Pronouncements Adopted

Recent Accounting Pronouncements Not Yet Adopted

We do not expect that any other recently issued accounting pronouncements will have a significant effect on our consolidated financial statements.

Contracts with Customers

Leases

Commitments (Details) $ in Thousands	12 Months Ended
Commitments (Details) $ in Thousands	Sep. 30, 2026 USD ($) executive
Commitments and Contingencies Disclosure [Abstract]
Fiscal 2027	$ 69,701
Fiscal 2028	84,529
Fiscal 2029	73,066
Fiscal 2030	65,273
Total	$ 292,569
Number of executives in a management agreement providing for certain payments and other benefits in the event of a qualified change \| executive	17

Derivative Financial Instruments

12 Months Ended

Sep. 30, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

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 receivables 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 receivables 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, net. The forward contracts are not designated as hedges and are marked to market through other income, 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, 2026 and 2025:


	September 30, 2026
	Contract Amount				Fair Value
	Foreign Currency		USD		USD
		(In thousands)
Sell foreign currency:

Euro (EUR)	EUR	5,900	$	6,700	—
Buy foreign currency:
British pound (GBP)	GBP	8,029	$	10,700	—
Singapore dollar (SGD)	SGD	8,756	$	6,900	—


	September 30, 2025
	Contract Amount				Fair Value
	Foreign Currency		USD		USD
		(In thousands)
Sell foreign currency:

Euro (EUR)	EUR	7,700	$	9,034	—
Buy foreign currency:
British pound (GBP)	GBP	10,019	$	13,500	—
Singapore dollar (SGD)	SGD	8,087	$	6,300	—

The foreign currency forward contracts were entered into on September 30, 2026 and 2025; 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, net, and consisted of the following:


	Year Ended September 30,
	2026		2025		2024
	(In thousands)
Gains (losses) on foreign currency forward contracts	$	(446)	$	(425)	$	1,580

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

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+ Details

Revenue from Contracts with Customers - Schedule of Allowance for Doubtful Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for doubtful accounts, beginning balance	$ 7,964	$ 6,454
Add: expense	0	1,485	$ 1,675
Less: write-offs, net of recoveries	(690)	25
Allowance for doubtful accounts, ending balance	$ 7,274	$ 7,964	$ 6,454

Share-Based Employee Benefit Plans - Schedule of Assumptions Used to Estimate Fair Value of Stock Options (Details) - Stock options	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average expected term (years)	4 years 4 months 2 days	4 years 4 months 24 days	4 years 5 months 15 days
Expected volatility (range), minimum	37.70%	34.60%	33.60%
Expected volatility (range), maximum	43.70%	36.50%	33.90%
Weighted average volatility	38.50%	35.00%	33.70%
Risk free interest rate, minimum	3.63%	3.89%	4.18%
Risk free interest rate, maximum	4.21%	4.08%	4.30%
Weighted average expected dividend yield	0.00%	0.00%	0.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Earnings per Share - Additional Information (Details) - shares shares in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Diluted EPS excludes options (in shares)	16	3	3

Derivative Financial Instruments - Schedule of Gains (Losses) on Derivative Financial Instruments Recorded in Consolidated Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Foreign Currency Forward Contracts
Derivative [Line Items]
Gains (losses) on foreign currency forward contracts	$ (446)	$ (425)	$ 1,580

Revenue from Contracts with Customers - Contract Balances (Details)	12 Months Ended
	Sep. 30, 2026
Minimum
Deferred Revenue Arrangement [Line Items]
Contract with customer, payment term	30 days
Maximum
Deferred Revenue Arrangement [Line Items]
Contract with customer, payment term	60 days

Composition of Certain Financial Statement Captions - Schedule of Prepaid Expense And Other Current Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Receivable from sale of equity investment	$ 47,927	$ 0
Other	43,199	41,881
Total	$ 91,126	$ 41,881

Composition of Certain Financial Statement Captions - Schedule of Property and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Property, Plant, and Equipment [Line Items]
Less: accumulated depreciation and amortization	$ (48,355)	$ (45,572)
Total	97,142	67,713
Data processing equipment and purchased software
Property, Plant, and Equipment [Line Items]
Property, plant and equipment, gross	41,220	42,121
Internal-use software
Property, Plant, and Equipment [Line Items]
Property, plant and equipment, gross	82,702	47,151
Office furniture and equipment
Property, Plant, and Equipment [Line Items]
Property, plant and equipment, gross	6,772	8,113
Leasehold improvements
Property, Plant, and Equipment [Line Items]
Property, plant and equipment, gross	$ 14,803	$ 15,900

- Definition

Amount of accumulated depreciation, depletion, and amortization of property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References + Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

- Definition

Amount, after accumulated depreciation, depletion, and amortization, of property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-Section 50
-Paragraph 1
-Subparagraph (b)
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+ Details

Audit Information	12 Months Ended
Audit Information	Sep. 30, 2026
Audit Information [Abstract]
Auditor Name	Deloitte & Touche LLP
Auditor Location	San Diego, CA
Auditor Firm ID	34

Debt - Additional Information (Details) $ in Millions	Jun. 05, 2026 USD ($)	Sep. 30, 2026 USD ($)	Mar. 20, 2026 USD ($)	May 13, 2025 USD ($)	Dec. 17, 2021 USD ($)	Dec. 06, 2019 USD ($)	May 08, 2018 USD ($)
Revolving line of credit
Line of Credit Facility [Line Items]
Credit facility restrictive covenant, maximum consolidated leverage ratio step up	4.0
Revolving line of credit \| Through December 30, 2026
Line of Credit Facility [Line Items]
Credit facility restrictive covenant, maximum consolidated leverage ratio	4.5
Revolving line of credit \| December 31, 2026 Through December 30, 2027
Line of Credit Facility [Line Items]
Credit facility restrictive covenant, maximum consolidated leverage ratio step up	4.0
Revolving line of credit \| December 31, 2027 And Thereafter
Line of Credit Facility [Line Items]
Credit facility restrictive covenant, maximum consolidated leverage ratio	3.5
Senior Notes \| The 2018 Senior Notes
Line of Credit Facility [Line Items]
Senior notes issued in a private placement to a group of institutional investors							$ 400.0
Stated interest rate (as a percent)							5.25%
Senior Notes \| Senior Notes December Six 2019
Line of Credit Facility [Line Items]
Senior notes issued in a private placement to a group of institutional investors						$ 350.0
Stated interest rate (as a percent)						4.00%
Senior Notes \| Senior Notes December 2021
Line of Credit Facility [Line Items]
Senior notes issued in a private placement to a group of institutional investors					$ 550.0
Stated interest rate (as a percent)					4.00%
Senior Notes \| The 2025 Senior Notes
Line of Credit Facility [Line Items]
Senior notes issued in a private placement to a group of institutional investors				$ 1,500.0
Stated interest rate (as a percent)				6.00%
Senior Notes \| The 2026 Senior Notes
Line of Credit Facility [Line Items]
Senior notes issued in a private placement to a group of institutional investors			$ 1,000.0
Stated interest rate (as a percent)			6.25%
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	1.00%
Revolving Credit Facility \| Revolving line of credit
Line of Credit Facility [Line Items]
Unsecured revolving line of credit		$ 1,000.0
Borrowings outstanding		$ 700.0
Interest rate of borrowings outstanding		5.873%
Revolving Credit Facility \| Revolving line of credit \| Secured Overnight Financing Rate (SOFR) Rate \| Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	1.00%
Revolving Credit Facility \| Revolving line of credit \| Secured Overnight Financing Rate (SOFR) Rate \| Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	2.00%
Revolving Credit Facility \| Revolving line of credit \| Base Rate \| Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	0.00%
Revolving Credit Facility \| Revolving line of credit \| Base Rate \| Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	1.00%
Secured Debt \| Revolving line of credit
Line of Credit Facility [Line Items]
Unsecured revolving line of credit	$ 1,500.0
Borrowings outstanding		$ 1,200.0
Interest rate of borrowings outstanding		5.761%
Secured Debt \| Revolving line of credit \| Secured Overnight Financing Rate (SOFR) Rate \| Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	1.50%
Secured Debt \| Revolving line of credit \| Secured Overnight Financing Rate (SOFR) Rate \| Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	2.25%
Secured Debt \| Revolving line of credit \| Base Rate \| Minimum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	0.50%
Secured Debt \| Revolving line of credit \| Base Rate \| Maximum
Line of Credit Facility [Line Items]
Debt instrument basis spread on variable rate	1.25%
Secured Debt \| Revolving line of credit \| From September 30, 2026 To June 30, 2027
Line of Credit Facility [Line Items]
Periodic payment	$ 75.0
Secured Debt \| Revolving line of credit \| September 30, 2027 And Thereafter
Line of Credit Facility [Line Items]
Periodic payment	$ 112.5

Revenue from Contracts with Customers - Capitalized Commission Cost (Details) - USD ($)	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Other assets	$ 64,400,000	$ 63,200,000
Capitalized commission cost, amortized period	10 years
Amount of amortization	$ 10,800,000	9,900,000	$ 9,200,000
Impairment loss	$ 0	$ 0	$ 0

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2026	Sep. 30, 2025
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)	21,381,000	23,764,000
Treasury Stock, Common, Shares	67,476,000	65,093,000

Debt

12 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

Debt

The following table represents our debt at carrying value at September 30, 2026 and 2025:


	September 30, 2026		September 30, 2025
	(In thousands)
Current maturities on debt:
Term loan	$	337,500	$	—
The 2018 Senior Notes	—		400,000
Less: debt issuance costs	—		(459)
Current maturities on debt	337,500		399,541
Long-term debt:
Revolving line of credit	700,000		275,000
Term loan	847,500		—
The 2019 Senior Notes and the 2021 Senior Notes	900,000		900,000
The 2025 Senior Notes	1,500,000		1,500,000
The 2026 Senior Notes	1,000,000		—
Less: debt issuance costs	(25,896)		(18,850)
Long-term debt	4,921,604		2,656,150
Total debt	$	5,259,104	$	3,055,691

Revolving Line of Credit and Term Loan

We have a credit agreement with a syndicate of banks that provides for a $1.0 billion unsecured revolving line of credit that matures on May 13, 2030. On June 5, 2026, we amended our credit agreement to provide for the issuance of a $1.5 billion unsecured term loan that was borrowed in full on June 5, 2026 and matures on May 15, 2028. The credit agreement also provides for an option for us to request additional incremental term loans and/or incremental increases to the revolving line of credit from time to time, in each case subject to the terms and conditions of the credit agreement. Borrowings under the credit agreement 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. Principal on the term loan is to be repaid in consecutive quarterly installments on the last business day of March, June, September, and December equal to (i) $75.0 million from September 30, 2026 through and including June 30, 2027 and (ii) $112.5 million thereafter. Interest rates on amounts borrowed under the revolving line of credit and 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) the Daily Simple Secured Overnight Financing Rate (“SOFR”) plus 1%, plus, in each case, an applicable margin, (ii) the Daily Simple 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), or (iii) term SOFR (without a credit spread adjustment) 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). The applicable margin for base rate borrowings and for SOFR borrowings for the loans under the credit agreement is determined based on our consolidated leverage ratio. The applicable margin for loans under the revolving line of credit for base rate borrowings ranges from 0% to 1% per annum and for SOFR borrowings ranges from 1% to 2% per annum. The applicable margin for the term loan for base rate borrowings ranges from 0.5% to 1.25% per annum and for SOFR borrowings ranges from 1.5% to 2.25% per annum. In addition, we must pay certain credit agreement fees. The credit agreement contains certain restrictive covenants including a maximum consolidated leverage ratio of 4.5 to 1.0 through December 30, 2026, 4.0 to 1.0 during December 31, 2026 through December 30, 2027, and 3.5 to 1.0 during December 31, 2027 and thereafter, subject to a step up to 4.0 to 1.0 following certain permitted acquisitions and subject to certain conditions, and contains other covenants typical of an unsecured credit facility.

As of September 30, 2026, we had $700.0 million in borrowings outstanding under the revolving line of credit at a weighted-average interest rate of 5.873% and $1.2 billion in outstanding balance of the term loan at an interest rate of 5.761%, and we were in compliance with all financial covenants under the credit agreement.

Future principal payments for the term loan are as follows:


Year Ending September 30,	(In thousands)
2027	$	337,500
2028	847,500



Total	$	1,185,000

Senior Notes

On May 8, 2018, we issued $400.0 million of senior notes in a private offering to qualified institutional investors (the “2018 Senior Notes”). The 2018 Senior Notes required interest payments semi-annually at a rate of 5.25% per annum and were to mature on May 15, 2026. On March 26, 2026, prior to the maturity date, we repaid in full the 2018 Senior Notes, utilizing proceeds from the issuance of the 2026 Senior Notes (as defined below).

On December 6, 2019, we issued $350.0 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 $550.0 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”). 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.

On May 13, 2025, we issued $1.5 billion of senior notes in a private offering to qualified institutional investors (the “2025 Senior Notes”). The 2025 Senior Notes require interest payments semi-annually at a rate of 6.00% per annum and will mature on May 15, 2033.

On March 20, 2026, we issued $1.0 billion of senior notes in a private offering to qualified institutional investors (the “2026 Senior Notes,” and collectively with the 2018 Senior Notes, the 2019 Senior Notes, the 2021 Senior Notes, and the 2025 Senior Notes, the “Senior Notes”). The 2026 Senior Notes require interest payments semi-annually at a rate of 6.25% per annum and will mature on September 15, 2034.

The indentures for the Senior Notes contain certain covenants typical of unsecured obligations and we were in compliance as of September 30, 2026.

The following table presents the face values and fair values for the Senior Notes at September 30, 2026 and 2025:


	September 30, 2026				September 30, 2025
	Face Value		Fair Value		Face Value		Fair Value
	(In thousands)
The 2018 Senior Notes	$	—	$	—	$	400,000	$	399,500
The 2019 Senior Notes and the 2021 Senior Notes	900,000		859,500		900,000		875,250
The 2025 Senior Notes	1,500,000		1,335,000		1,500,000		1,518,750
The 2026 Senior Notes	1,000,000		887,500		—		—
Total	$	3,400,000	$	3,082,000	$	2,800,000	$	2,793,500

Future principal payments for the Senior Notes are as follows:


Year Ending September 30,	(In thousands)
2027	$	—
2028	900,000
2029	—
2030	—
2031	—
Thereafter	2,500,000
Total	$	3,400,000

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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-Name Accounting Standards Codification
-Section S45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

+ Details

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2023
Income Taxes [Line Items]
Foreign pretax earnings	$ 141,400	$ 144,500	$ 150,800
Current foreign tax expense related to foreign tax withholdings	14,600	15,600	14,600
Unremitted earnings of foreign subsidiaries	130,600
Deferred tax liabilities, undistributed foreign earnings	3,400
Unrecognized tax benefits	21,133	$ 19,505	$ 19,879	$ 13,849
Unrecognized tax benefits that would impact the effective tax rate if recognized	19,300
Unrecognized tax benefits, accrued interest	2,300
California Franchise Tax Board \| Research Tax Credit Carryforward
Income Taxes [Line Items]
Excess state research credit	6,300
U.S. Federal
Income Taxes [Line Items]
Net operating loss carryforwards	$ 1,200

Share-Based Employee Benefit Plans - Additional Information (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
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	15.00%
Share-based compensation expense	$ 185.5	$ 156.7	$ 149.4
Share-based Payment Arrangement, Expense, Tax Benefit	21.0	$ 15.3	$ 15.9
Unrecognized compensation cost related to non-vested share-based compensation arrangements	$ 233.3
Unrecognized compensation cost, weighted average recognition period	2 years 5 months 19 days
Cash received from stock option exercises	$ 5.9
Tax benefit from the stock option exercises	$ 3.0
Weighted average fair value of options granted (in dollars per share)	$ 591.10	$ 705.43	$ 419.00
Number of options that had exercise prices lower than the market price of common stock (in shares)	35,092
Market price of common stock (in dollars per share)	$ 592.47
Total intrinsic value of options exercised	$ 27.2	$ 107.6	$ 49.1
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	4 years
Average expected dividend yield	0.00%	0.00%	0.00%
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]
Granted (in dollars per share)	$ 1,501.46	$ 2,119.14	$ 1,150.58
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 181.8	$ 274.7	$ 171.0
Performance stock units (PSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 1,751.69	$ 2,227.11	$ 1,134.39
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 48.3	$ 101.1	$ 65.2
Market stock units (MSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 1,878.31	$ 1,596.7	$ 1,014.75
Total intrinsic value of restricted stock units, performance stock units, and market stock units	$ 40.2	$ 102.1	$ 95.0
Average expected dividend yield	0.00%	0.00%	0.00%
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
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option awards vesting period	4 years
Maximum \| Stock options
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)	200.00%
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)	0.00%
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
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)	3,993,522
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized shares of common stock for grant under stock plan (in shares)	1,000,000
Shares available for grants under stock plan (in shares)	811,390
ESPP, percentage of salary withheld through payroll deductions to purchase FICO common stock	15.00%
Share-based compensation arrangement by share-based payment award, offering period	6 months
ESPP, purchase price of the stock as a percentage of fair market value on the exercise date	85.00%
ESPP, shares issued in period	15,333	12,455	13,721
ESPP, per share weighted average price of shares purchased	$ 1,114.19	$ 1,457.57	$ 1,217.05

Goodwill

12 Months Ended

Sep. 30, 2026

Intangible Asset, Goodwill and Other [Abstract]

Goodwill


	Scores		Software		Total
	(In thousands)
Balance at September 30, 2024	$	146,648	$	636,104	$	782,752


Foreign currency translation adjustment	—		588		588
Balance at September 30, 2025	146,648		636,692		783,340


Foreign currency translation and other adjustments	—		8,527		8,527
Balance at September 30, 2026	$	146,648	$	645,219	$	791,867

- Definition

The entire disclosure for goodwill.

+ References + Details

Leases - Schedule of Finance Lease Liability Maturity (Details) $ in Thousands	Sep. 30, 2026 USD ($)
Finance Leases
Fiscal 2027	$ 2,562
Fiscal 2028	501
Fiscal 2029	0
Fiscal 2030	0
Fiscal 2031	0
Thereafter	0
Total future undiscounted lease payments	3,063
Less imputed interest	(86)
Finance Lease, Liability Total	$ 2,977

Earnings per Share

12 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

Earnings per Share

The following table presents reconciliations for the numerators and denominators of basic and diluted earnings per share (“EPS”) during fiscal 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024
	(In thousands, except per share data)
Numerator for diluted and basic earnings per share:
Net income	$	834,967	$	651,946	$	512,811
Denominator — share:
Basic weighted-average shares	22,863		24,239		24,676
Effect of dilutive securities	125		322		403
Diluted weighted-average shares	22,988		24,561		25,079
Earnings per share:
Basic	$	36.52	$	26.90	$	20.78
Diluted	$	36.32	$	26.54	$	20.45

The computation of diluted EPS excludes options to purchase approximately 16,000, 3,000, and 3,000 shares of common stock for fiscal 2026, 2025 and 2024, respectively, because the exercise prices of the options exceeded the average market price of our common stock in these fiscal years and their inclusion would be antidilutive.

Accelerated Share Repurchase (Details) - USD ($) $ in Thousands		1 Months Ended	2 Months Ended	12 Months Ended
	Jun. 05, 2026	Jul. 31, 2026	Jul. 31, 2026	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Equity [Abstract]
Accelerated share repurchases, settlement payment	$ 1,500,000
Repurchases of common stock (in shares)	1,055,103	229,640,000	1,284,743,000
Repurchases of common stock	$ 1,200,000			$ 3,055,737	$ 1,419,527	$ 833,272
Shares repurchased, percent of total shares expected to be repurchased (as a percent)	80.00%
Amount remaining under share repurchase agreement	$ 300,000

- Definition

Number of shares that have been repurchased during the period and are being held in treasury.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480070/505-10-S50-1

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 505
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-Name Accounting Standards Codification
-Section S45
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480100/505-10-S45-3

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147478478/942-210-S50-1

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
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-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (SX 210.9-03(20))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Accounting Standards Codification
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-Subparagraph (SX 210.9-03(19))
-Publisher FASB
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Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(29))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

+ Details

- Definition

Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.

+ References + Details

Debt (Tables)

12 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

Schedule of Debt

The following table represents our debt at carrying value at September 30, 2026 and 2025:


	September 30, 2026		September 30, 2025
	(In thousands)
Current maturities on debt:
Term loan	$	337,500	$	—
The 2018 Senior Notes	—		400,000
Less: debt issuance costs	—		(459)
Current maturities on debt	337,500		399,541
Long-term debt:
Revolving line of credit	700,000		275,000
Term loan	847,500		—
The 2019 Senior Notes and the 2021 Senior Notes	900,000		900,000
The 2025 Senior Notes	1,500,000		1,500,000
The 2026 Senior Notes	1,000,000		—
Less: debt issuance costs	(25,896)		(18,850)
Long-term debt	4,921,604		2,656,150
Total debt	$	5,259,104	$	3,055,691

Schedule of Future Principal Payments

Future principal payments for the term loan are as follows:


Year Ending September 30,	(In thousands)
2027	$	337,500
2028	847,500



Total	$	1,185,000

Future principal payments for the Senior Notes are as follows:


Year Ending September 30,	(In thousands)
2027	$	—
2028	900,000
2029	—
2030	—
2031	—
Thereafter	2,500,000
Total	$	3,400,000

Schedule of Carrying Values and Estimated Fair Values of Debt Instruments

The following table presents the face values and fair values for the Senior Notes at September 30, 2026 and 2025:


	September 30, 2026				September 30, 2025
	Face Value		Fair Value		Face Value		Fair Value
	(In thousands)
The 2018 Senior Notes	$	—	$	—	$	400,000	$	399,500
The 2019 Senior Notes and the 2021 Senior Notes	900,000		859,500		900,000		875,250
The 2025 Senior Notes	1,500,000		1,335,000		1,500,000		1,518,750
The 2026 Senior Notes	1,000,000		887,500		—		—
Total	$	3,400,000	$	3,082,000	$	2,800,000	$	2,793,500

Fair Value Measurements (Tables)

12 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Abstract]

Schedule of Financial Assets Measured at Fair Value on a Recurring Basis

The following tables represent financial assets that we measured at fair value on a recurring basis at September 30, 2026 and 2025:


September 30, 2026	Active Markets for Identical Instruments (Level 1)		Fair Value as of September 30, 2026
	(In thousands)
Assets:
Cash equivalents (1)	$	5,210	$	5,210
Marketable securities (2)	51,714		51,714
Total	$	56,924	$	56,924


September 30, 2025	Active Markets for Identical Instruments (Level 1)		Fair Value as of September 30, 2025
	(In thousands)
Assets:
Cash equivalents (1)	$	6	$	6
Marketable securities (2)	54,625		54,625
Total	$	54,631	$	54,631

(1)Included in cash and cash equivalents on our consolidated balance sheets at September 30, 2026 and 2025. Not included in these tables are cash deposits of $212.4 million and $134.1 million at September 30, 2026 and 2025, respectively.

(2)Represents securities held under a non-qualified deferred compensation plan for certain officers and senior management employees, which are distributed upon separation from service or at a specific date while still employed. Included in marketable securities on our consolidated balance sheets at September 30, 2026 and 2025.

Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Deferred tax assets:
Loss and credit carryforwards	$ 6,658	$ 6,876
Compensation benefits	36,377	31,638
Operating lease liabilities	7,144	7,375
Research and development costs	66,591	100,304
Proposed litigation settlement	15,600	0
Other assets	24,203	21,538
Total deferred tax assets	156,573	167,731
Deferred tax liabilities:
Intangible assets	(8,159)	(8,612)
Deferred commission	(15,416)	(15,134)
Operating lease right-of-use assets	(6,506)	(6,479)
Gain on sale of equity investment	(11,503)	0
Other liabilities	(19,326)	(18,953)
Total deferred tax liabilities	(60,910)	(49,178)
Deferred tax assets, net	$ 95,663	$ 118,553

Debt - Schedule of Future Principal Payments (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Debt Instrument [Line Items]
Total	$ 5,259,104	$ 3,055,691
Revolving line of credit
Debt Instrument [Line Items]
2027	337,500
2028	847,500
Total	1,185,000
Senior Notes
Debt Instrument [Line Items]
2027	0
2028	900,000
2029	0
2030	0
2031	0
Thereafter	2,500,000
Total	$ 3,400,000

Share-Based Employee Benefit Plans - Schedule of Restricted Stock Units ,Performance Stock Units and Market Share Units Activity (Details) - $ / shares shares in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Restricted stock units (RSUs)
Shares
Outstanding at September 30, 2025 (in shares)	214
Granted (in shares)	120
Released (in shares)	(109)
Forfeited (in shares)	(13)
Outstanding at September 30, 2026 (in shares)	212	214
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2025 (in dollars per share)	$ 1,114.47
Granted (in dollars per share)	1,501.46	$ 2,119.14	$ 1,150.58
Released (in dollars per share)	916.88
Forfeited (in dollars per share)	1,347.77
Outstanding at September 30, 2026 (in dollars per share)	$ 1,421.47	$ 1,114.47
Performance stock units (PSUs)
Shares
Outstanding at September 30, 2025 (in shares)	46
Granted (in shares)	23
Released (in shares)	(27)
Outstanding at September 30, 2026 (in shares)	42	46
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2025 (in dollars per share)	$ 1,283.09
Granted (in dollars per share)	1,751.69	$ 2,227.11	1,134.39
Released (in dollars per share)	1,055.18
Outstanding at September 30, 2026 (in dollars per share)	$ 1,691.84	$ 1,283.09
Market stock units (MSUs)
Shares
Outstanding at September 30, 2025 (in shares)	45
Granted (in shares)	22
Released (in shares)	(23)
Forfeited (in shares)	(5)
Outstanding at September 30, 2026 (in shares)	39	45
Weighted-average Grant-date Fair Value
Outstanding at September 30, 2025 (in dollars per share)	$ 1,611.35
Granted (in dollars per share)	1,878.31	$ 1,596.7	$ 1,014.75
Released (in dollars per share)	1,251.48
Forfeited (in dollars per share)	1,882.76
Outstanding at September 30, 2026 (in dollars per share)	$ 1,944.61	$ 1,611.35

Fair Value Measurements

12 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Abstract]

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 bank time deposits and certain marketable securities and our Level 1 liabilities included senior notes as of September 30, 2026 and 2025.

•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, 2026 and 2025.

•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 value any assets or liabilities using inputs identified under a Level 3 hierarchy as of September 30, 2026 and 2025.

The following tables represent financial assets that we measured at fair value on a recurring basis at September 30, 2026 and 2025:


September 30, 2026	Active Markets for Identical Instruments (Level 1)		Fair Value as of September 30, 2026
	(In thousands)
Assets:
Cash equivalents (1)	$	5,210	$	5,210
Marketable securities (2)	51,714		51,714
Total	$	56,924	$	56,924


September 30, 2025	Active Markets for Identical Instruments (Level 1)		Fair Value as of September 30, 2025
	(In thousands)
Assets:
Cash equivalents (1)	$	6	$	6
Marketable securities (2)	54,625		54,625
Total	$	54,631	$	54,631

See Note 7 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, 2026, 2025 or 2024.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
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-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Section 50
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Cash flows from operating activities:
Net income	$ 834,967	$ 651,946	$ 512,811
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	16,718	14,952	13,827
Share-based compensation	185,457	156,667	149,439
Deferred income taxes	23,649	(32,486)	(27,330)
Net gain on marketable securities	(2,195)	(5,024)	(9,834)
Non-cash operating lease costs	9,572	9,604	12,423
Provision of doubtful accounts	0	1,485	1,675
Gain on sale of equity investment	(47,927)	0	0
Net loss on sales and abandonment of property and equipment	608	210	438
Changes in operating assets and liabilities:
Accounts receivable	(62,346)	(100,377)	(34,144)
Prepaid expenses and other assets	(1,496)	610	(14,034)
Accounts payable	2,365	9,849	3,316
Accrued compensation and employee benefits	7,187	10,065	3,195
Other liabilities	72,896	31,566	7,216
Deferred revenue	32,610	29,740	13,966
Net cash provided by operating activities	1,072,065	778,807	632,964
Cash flows from investing activities:
Purchases of property and equipment	(2,140)	(8,922)	(8,884)
Capitalized internal-use software costs	(35,550)	(30,485)	(16,667)
Proceeds from sales of marketable securities	20,795	2,184	15,930
Purchases of marketable securities	(15,696)	(6,496)	(18,372)
Purchases of other investments	(12,810)	0	0
Net cash used in investing activities	(45,401)	(43,719)	(27,993)
Cash flows from financing activities:
Proceeds from revolving line of credit and term loans	3,095,000	725,000	947,000
Payments on revolving line of credit and term loans	(1,485,000)	(1,368,750)	(602,000)
Proceeds from issuance of senior notes	1,000,000	1,500,000	0
Payments on senior notes	(400,000)	0	0
Payments on debt issuance costs	(12,063)	(17,163)	(706)
Payments on finance leases	(3,450)	(3,144)	(1,333)
Proceeds from issuance of treasury stock under employee stock plans	22,939	32,823	25,006
Taxes paid related to net share settlement of equity awards	(112,564)	(204,593)	(139,188)
Repurchases of common stock, inclusive of excise tax	(3,045,991)	(1,414,502)	(821,702)
Net cash used in financing activities	(941,129)	(750,329)	(592,923)
Effect of exchange rate changes on cash	(2,072)	(1,290)	1,841
Increase (decrease) in cash and cash equivalents	83,463	(16,531)	13,889
Cash and cash equivalents, beginning of year	134,136	150,667	136,778
Cash and cash equivalents, end of year	217,599	134,136	150,667
Supplemental disclosures of cash flow information:
Cash paid for income taxes, net of refunds of $8,555, $8,649 and $859 during the years ended September 30, 2026, 2025 and 2024, respectively	226,367	162,089	133,716
Cash paid for interest	224,366	103,564	106,388
Supplemental disclosures of non-cash investing and financing activities:
Unsettled repurchases of common stock, inclusive of excise tax accrued, but not yet paid	28,162	18,416	13,391
Purchase of property and equipment included in accounts payable	110	47	62
Finance lease obligation incurred	0	0	11,740
Receivable from sale of equity investment	$ 47,927	$ 0	$ 0

Leases - Schedule of Related Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Leases [Abstract]
Operating cash outflow for operating leases	$ 10,494	$ 11,651	$ 18,153
Operating cash outflow for finance leases	268	481	369
Financing cash outflow for finance leases	3,450	3,144	1,333
Operating leases	10,191	6,669	22,433
Finance leases	$ 0	$ 0	$ 11,740

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, 2023		24,770
Beginning 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)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation	156,667		156,667
Issuance of treasury stock under employee stock plans (in shares)		205
Issuance of treasury stock under employee stock plans	(171,770)	$ 2	(192,119)	20,347
Repurchases of common stock (in shares)		(833)
Repurchases of common stock	(1,419,527)	$ (8)		(1,419,519)
Net income	651,946				651,946
Foreign currency translation adjustments	(421)					(421)
Ending Balance (in shares) at Sep. 30, 2025		23,764
Ending Balance at Sep. 30, 2025	(1,745,784)	$ 238	1,331,120	(7,537,908)	4,552,816	(92,050)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation	185,457		185,457
Issuance of treasury stock under employee stock plans (in shares)		131
Issuance of treasury stock under employee stock plans	(89,625)	$ 1	(105,768)	16,142
Repurchases of common stock (in shares)		(2,514)
Repurchases of common stock	(3,055,737)	$ (25)	(38,316)	(3,017,396)
Net income	834,967				834,967
Foreign currency translation adjustments	(2,489)					(2,489)
Ending Balance (in shares) at Sep. 30, 2026		21,381
Ending Balance at Sep. 30, 2026	$ (3,873,211)	$ 214	$ 1,372,493	$ (10,539,162)	$ 5,387,783	$ (94,539)

Restructuring Charges - Schedule of Restructuring Accruals For Employee Separation (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Restructuring Reserve [Roll Forward]
Restructuring accrual, beginning balance	$ 9,974	$ 0
Expense additions	27,293	10,922	$ 0
Cash payments	(14,473)	(948)
Restructuring accrual, ending balance	$ 22,794	$ 9,974	$ 0

- Definition

Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.

+ References + Details

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Current assets:
Cash and cash equivalents	$ 217,599	$ 134,136
Accounts receivable, net	602,946	529,148
Prepaid expenses and other current assets	91,126	41,881
Total current assets	911,671	705,165
Marketable securities	51,714	54,625
Property and equipment, net	97,142	67,713
Operating lease right-of-use assets	26,418	26,213
Goodwill	791,867	783,340
Deferred income taxes	95,663	118,553
Other assets	100,547	112,524
Total assets	2,075,022	1,868,133
Current liabilities:
Accounts payable	34,672	32,315
Accrued compensation and employee benefits	122,267	115,369
Other accrued liabilities	203,181	114,618
Deferred revenue	222,074	187,372
Current maturities on debt	337,500	399,541
Total current liabilities	919,694	849,215
Long-term debt	4,921,604	2,656,150
Operating lease liabilities	18,816	19,187
Other liabilities	88,119	89,365
Total liabilities	5,948,233	3,613,917
Commitments and contingencies
Stockholders’ deficit:
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)	0	0
Common stock ($0.01 par value; 200,000 shares authorized, 88,857 shares issued and 21,381 and 23,764 shares outstanding at September 30, 2026 and September 30, 2025, respectively)	214	238
Additional paid-in-capital	1,372,493	1,331,120
Treasury stock, at cost (67,476 and 65,093 shares at September 30, 2026 and September 30, 2025, respectively)	(10,539,162)	(7,537,908)
Retained earnings	5,387,783	4,552,816
Accumulated other comprehensive loss	(94,539)	(92,050)
Total stockholders’ deficit	(3,873,211)	(1,745,784)
Total liabilities and stockholders’ deficit	$ 2,075,022	$ 1,868,133

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2026 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
William J. Lansing [Member]
Trading Arrangements, by Individual
Arrangement Duration	284 days
William J. Lansing [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On August 3, 2026, William J. Lansing, our Chief Executive Officer and President and a member of our Board of Directors, adopted a Rule 10b5-1 trading arrangement that is intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act. The trading arrangement provides for the exercise of vested stock options and the sale of the underlying shares of our common stock by Mr. Lansing, and for the sale of shares of our common stock held by the Lansing Revocable Trust. The trading arrangement covers an aggregate of up to 85,148 shares of our common stock and terminates on the earlier of the close of business on May 14, 2027 or the date all shares are sold thereunder.
Name	William J. Lansing
Title	Chief Executive Officer and President and a member of our Board of Directors
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 3, 2026
Expiration Date	May 14, 2027
Aggregate Available	85,148

Contingencies	12 Months Ended
Contingencies	Sep. 30, 2026
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies We 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 a material exposure, either individually or in the aggregate. With respect to the consolidated putative class action antitrust lawsuits related to our Scores business brought against us in the Northern District of Illinois, we entered into a term sheet with the plaintiffs on September 29, 2026 memorializing the material terms of a proposed settlement of the lawsuits. In consideration of a cash payment by FICO to the plaintiffs of $65.0 million and certain compliance undertakings, the settlement would fully resolve all remaining claims asserted against FICO in the lawsuits. The proposed settlement does not include any admission of wrongdoing or liability by FICO, which denies any wrongdoing. We anticipate the parties will enter into definitive settlement agreements in the first quarter of fiscal 2027 reflecting the terms of the settlement as set forth in the term sheet. The settlement remains subject to final court approval, and, while there can be no assurance that the court will approve the proposed settlement, we view as probable that the court will approve a settlement on the terms set forth in the term sheet. We have therefore recorded an accrual of $65.0 million, which is included in other accrued liabilities, a current liability, on our consolidated balance sheet as of September 30, 2026, and included in selling, general and administrative expenses in our consolidated statements of income and comprehensive income for the fiscal year ended September 30, 2026.

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Sep. 30, 2026
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 $10.8 million, $10.2 million and $9.5 million during fiscal 2026, 2025 and 2024, 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 $68.8 million, $60.8 million and $62.5 million during fiscal 2026, 2025 and 2024, respectively.

- Definition

The entire disclosure for retirement benefits.

+ References

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+ Details

Guarantees	12 Months Ended
Guarantees	Sep. 30, 2026
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.

- Definition

The entire disclosure for each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.

+ References

+ Details

Contingencies (Details) - USD ($) $ in Millions	Sep. 29, 2026	Sep. 30, 2026	Sep. 30, 2025
Commitments and Contingencies Disclosure [Abstract]
Cash payments for legal settlements	$ 65.0
Accrual for litigation settlement		$ 65.0	$ 0.0

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Statement [Line Items]
Total revenues	$ 2,534,873	$ 1,990,869	$ 1,717,526
Operating expenses:
Cost of revenues	351,480	353,722	348,206
Research and development	209,307	188,347	171,940
Selling, general and administrative	681,099	513,028	462,834
Amortization of intangible assets	0	0	917
Restructuring charges	27,293	10,922	0
Total operating expenses	1,269,179	1,066,019	983,897
Operating income	1,265,694	924,850	733,629
Interest expense, net	(223,314)	(133,647)	(105,638)
Other income, net	57,670	11,392	14,034
Income before income taxes	1,100,050	802,595	642,025
Provision for income taxes	265,083	150,649	129,214
Net income	834,967	651,946	512,811
Other comprehensive income (loss):
Foreign currency translation adjustments	(2,489)	(421)	10,516
Comprehensive income	$ 832,478	$ 651,525	$ 523,327
Earnings per share:
Basic (in dollars per share)	$ 36.52	$ 26.90	$ 20.78
Diluted (in dollars per share)	$ 36.32	$ 26.54	$ 20.45
Shares used in computing basic earnings per share:
Basic (in shares)	22,863	24,239	24,676
Diluted (in shares)	22,988	24,561	25,079
On-premises and SaaS software
Statement [Line Items]
Total revenues	$ 808,118	$ 740,145	$ 711,340
Professional services
Statement [Line Items]
Total revenues	74,533	82,149	86,536
Scores
Statement [Line Items]
Total revenues	$ 1,652,222	$ 1,168,575	$ 919,650

Income Taxes - Schedule of Cash Paid for Income Taxes, Net of Refunds Received (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2024
Income Tax Paid, by Individual Jurisdiction [Line Items]
Federal	$ 154,100
Cash paid for income taxes, net of refunds received	226,367	$ 162,089	$ 133,716
California
Income Tax Paid, by Individual Jurisdiction [Line Items]
State	19,992
Other
Income Tax Paid, by Individual Jurisdiction [Line Items]
State	21,648
United Kingdom
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	13,335
Other
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	$ 17,292

Earnings per Share - Schedule of 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, 2026	Sep. 30, 2025	Sep. 30, 2024
Numerator for basic and diluted earnings per share
Net income	$ 834,967	$ 651,946	$ 512,811
Denominator — share:
Basic weighted-average shares (in shares)	22,863	24,239	24,676
Effect of dilutive securities (in shares)	125	322	403
Diluted weighted-average shares (in shares)	22,988	24,561	25,079
Basic (in dollars per share)	$ 36.52	$ 26.90	$ 20.78
Diluted (in dollars per share)	$ 36.32	$ 26.54	$ 20.45

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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+ Details

Cash, Cash Equivalents and Marketable Securities (Tables)

12 Months Ended

Sep. 30, 2026

Cash and Cash Equivalents [Abstract]

Schedule of Cash, Cash Equivalent, and Investment

The following is a summary of cash, cash equivalents and marketable securities at September 30, 2026 and 2025:


	September 30, 2026				September 30, 2025
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
	(In thousands)
Cash and Cash Equivalents:
Cash	$	212,389	$	212,389	$	134,130	$	134,130
Money market funds	—		—		6		6

Bank time deposits	5,210		5,210		—		—
Total	$	217,599	$	217,599	$	134,136	$	134,136
Marketable Securities:
Marketable securities	$	38,987	$	51,714	$	40,603	$	54,625

Restructuring and Impairment Charges - Additional Information (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2026 USD ($)	Sep. 30, 2025 USD ($) position	Sep. 30, 2024 USD ($)
Restructuring and Related Activities [Abstract]
Unallocated restructuring charges \| $	$ 27,293	$ 10,922	$ 0
Number of positions eliminated (as a percent)	15.00%
Number of positions reduced \| position		226

- Definition

Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.

+ References + Details

Composition of Certain Financial Statement Captions - Schedule of Other Accrued Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Interest payable	$ 52,269	$ 53,500
Proposed litigation settlement (see Note 18)	65,000	0
Other	85,912	61,118
Total	$ 203,181	$ 114,618

Revenue from Contracts with Customers - Performance Obligations (Details) - USD ($) $ in Millions	Sep. 30, 2026	Sep. 30, 2025
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Revenue, remaining performance obligation, amount	$ 701.5	$ 655.7
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2026-10-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Percentage of performance obligation to be recognized	50.00%
Revenue, remaining performance obligation, expected timing of satisfaction, period	13 months
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2027-10-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Percentage of performance obligation to be recognized	50.00%
Revenue, remaining performance obligation, expected timing of satisfaction, period

Segment Information - Schedule of Segment Information (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2026 USD ($) Segment	Sep. 30, 2025 USD ($)	Sep. 30, 2024 USD ($)
Segment Reporting [Abstract]
Number of reportable segments \| Segment	2
Segment revenues:
Total revenues	$ 2,534,873	$ 1,990,869	$ 1,717,526
Expenses	(1,269,179)	(1,066,019)	(983,897)
Operating income	1,265,694	924,850	733,629
Unallocated share-based compensation expense	(185,457)	(156,667)	(149,439)
Unallocated amortization expense	0	0	(917)
Unallocated restructuring charges		(10,922)
Unallocated restructuring charges	27,293	10,922	0
Unallocated interest expense, net	(223,314)	(133,647)	(105,638)
Unallocated other income, net	57,670	11,392	14,034
Income before income taxes	1,100,050	802,595	642,025
Scores
Segment revenues:
Total revenues	1,652,222	1,168,575	919,650
Software
Segment revenues:
Total revenues	882,651	822,294	797,876
Operating Segments
Segment revenues:
Expenses	(795,390)	(716,932)	(646,643)
Operating income	1,739,483	1,273,937	1,070,883
Operating Segments \| Scores
Segment revenues:
Total revenues	1,652,222	1,168,575	919,650
Expenses	(162,360)	(142,332)	(106,296)
Operating income	1,489,862	1,026,243	813,354
Operating Segments \| Software
Segment revenues:
Total revenues	882,651	822,294	797,876
Expenses	(633,030)	(574,600)	(540,347)
Operating income	249,621	247,694	257,529
Unallocated corporate
Segment revenues:
Expenses	(261,039)	(181,498)	(186,898)
On-premises and SaaS software
Segment revenues:
Total revenues	808,118	740,145	711,340
On-premises and SaaS software \| Software
Segment revenues:
Total revenues	808,118	740,145	711,340
On-premises and SaaS software \| Operating Segments \| Scores
Segment revenues:
Total revenues	0	0	0
On-premises and SaaS software \| Operating Segments \| Software
Segment revenues:
Total revenues	808,118	740,145	711,340
Professional services
Segment revenues:
Total revenues	74,533	82,149	86,536
Professional services \| Operating Segments \| Scores
Segment revenues:
Total revenues	0	0	0
Professional services \| Operating Segments \| Software
Segment revenues:
Total revenues	74,533	82,149	86,536
Scores
Segment revenues:
Total revenues	1,652,222	1,168,575	919,650
Scores \| Operating Segments \| Scores
Segment revenues:
Total revenues	1,652,222	1,168,575	919,650
Scores \| Operating Segments \| Software
Segment revenues:
Total revenues	$ 0	$ 0	$ 0

Share-Based Employee Benefit Plans

12 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement [Abstract]

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, 2026, there were 3,993,522 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. 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. Beginning with the March 2025 through August 2025 offering period and in subsequent offering periods, the purchase price of the stock is the lower of 85% of (i) the closing sales price of FICO common stock on the first trading day of each offering period or (ii) the closing sales price of FICO common stock on the last trading day of each offering period. Prior to the March 2025 through August 2025 offering period, the purchase price was 85% of the closing sales price of FICO common stock on the last trading day of each offering period. At September 30, 2026, there were 811,390 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 $185.5 million, $156.7 million and $149.4 million in fiscal 2026, 2025 and 2024, respectively. The total tax benefit related to this share-based compensation expense was $21.0 million, $15.3 million and $15.9 million in fiscal 2026, 2025 and 2024, respectively. As of September 30, 2026, there was $233.3 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 2.47 years.

In fiscal 2026 we received $5.9 million in cash from stock option exercises, with the tax benefit realized for the tax deductions from these exercises of $3.0 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 2026:


	Shares	Weighted-average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	214	$	1,114.47
Granted	120	1,501.46
Released	(109)	916.88
Forfeited	(13)	1,347.77
Outstanding at September 30, 2026	212	$	1,421.47

The weighted-average fair value of the RSUs granted was $1,501.46, $2,119.14 and $1,150.58 during fiscal 2026, 2025 and 2024, respectively. The total intrinsic value of the RSUs that vested was $181.8 million, $274.7 million and $171.0 million during fiscal 2026, 2025 and 2024, 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 2026:


	Shares	Weighted- average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	46	$	1,283.09
Granted	23	1,751.69
Released	(27)	1,055.18

Outstanding at September 30, 2026	42	$	1,691.84

The weighted-average fair value of the PSUs granted was $1,751.69, $2,227.11 and $1,134.39 during fiscal 2026, 2025 and 2024, respectively. The total intrinsic value of the PSUs that vested was $48.3 million, $101.1 million and $65.2 million during fiscal 2026, 2025 and 2024, 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 a benchmark index over performance periods of one, two and three years. For grants made in fiscal 2025 and thereafter, performance is measured against the S&P 500 Index. For grants made prior to fiscal 2025, performance was measured against the Russell 3000 Index. We estimate the fair value of MSUs granted using the Monte Carlo valuation model and amortize the fair values over the requisite service period for each vesting tranche of the award. In addition, we do not reverse the compensation cost solely because the market condition is not satisfied, and the award is therefore not earned by the employee, provided the requisite service is rendered. We used the following assumptions to estimate the fair value of our MSUs during fiscal 2026, 2025 and 2024:


	Year Ended September 30,
	2026		2025		2024

Expected volatility in FICO’s stock price	36.0	%	36.2	%	36.3	%
Expected volatility in Russell 3000 Index	N/A		N/A		18.2	%
Expected volatility in S&P 500 Index (peer average)	29.9	%	30.9	%	N/A
Correlation between FICO and the Russell 3000 Index	N/A		N/A		60.3	%
Correlation between FICO and the S&P 500 Index	24.7	%	30.3	%	N/A
Risk-free interest rate	3.62	%	4.09	%	4.39	%
Average expected dividend yield	—	%	—	%	—	%

The expected volatility was determined based on daily historical movements in our stock price and the S&P 500 Index (Russell 3000 Index for grants prior to fiscal 2025) for the three years preceding the grant date. The correlation between FICO and the S&P 500 Index (Russell 3000 Index for grants prior to fiscal 2025) 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 2026:


	Shares	Weighted- average Grant-date Fair Value
	(In thousands)
Outstanding at September 30, 2025	45	$	1,611.35
Granted	22	1,878.31
Released	(23)	1,251.48
Forfeited	(5)	1,882.76
Outstanding at September 30, 2026	39	$	1,944.61

The weighted-average fair value of the MSUs granted was $1,878.31, $1,596.70 and $1,014.75 during fiscal 2026, 2025 and 2024, respectively. The total intrinsic value of the MSUs that vested was $40.2 million, $102.1 million and $95.0 million during fiscal 2026, 2025 and 2024, 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 2026, 2025 and 2024:


	Year Ended September 30,
	2026				2025				2024
Stock Options:
Weighted-average expected term (years)			4.34				4.40				4.46
Expected volatility (range)	37.7	-	43.7	%	34.6	-	36.5	%	33.6	-	33.9	%
Weighted-average volatility			38.5	%			35.0	%			33.7	%
Risk-free interest rate (range)	3.63	-	4.21	%	3.89	-	4.08	%	4.18	-	4.30	%
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 2026:


	Shares	Weighted- average Exercise Price		Weighted- average Remaining Contractual Term	Aggregate Intrinsic Value
	(In thousands)			(In years)	(In thousands)
Outstanding at September 30, 2025	129	$	670.08
Granted	8	1,617.99
Exercised	(23)	276.12


Outstanding at September 30, 2026	114	$	812.54	3.21	$	6,483
Exercisable at September 30, 2026	80	$	695.25	2.72	$	6,483
Vested or expected to vest at September 30, 2026	113	$	804.66	3.18	$	6,483

The weighted-average fair value of options granted was $591.10, $705.43 and $419.00 during fiscal 2026, 2025 and 2024, respectively. The aggregate intrinsic value of options outstanding at September 30, 2026 was calculated as the difference between the exercise price of the underlying options and the market price of our common stock for the 35,092 outstanding options that had exercise prices lower than the $592.47 market price of our common stock at September 30, 2026. The total intrinsic value of options exercised was $27.2 million, $107.6 million and $49.1 million during fiscal 2026, 2025 and 2024, respectively, determined as of the date of exercise.

Employee Stock Purchase Plan

Beginning with the March 2025 through August 2025 offering period, compensation expense reflects both the 15% purchase discount and the lookback feature, which allows participants to purchase shares at the lower of the closing price on the first or last trading day of the offering period. We measure the grant-date fair value of each purchase right using the Black-Scholes option valuation model and recognize the expense over the six-month offering period. Prior to the March 2025 through August 2025 offering period, expense arose solely from the 15% discount. A total of 15,333, 12,455, and 13,721 shares of our common stock were issued under the 2019 Purchase Plan during fiscal 2026, 2025 and 2024, respectively. The weighted-average purchase price was $1,114.19, $1,457.57, and $1,217.05 per share for fiscal 2026, 2025 and 2024, respectively.