Slide 1: Investor Presentation
Investor Presentation NYSE: IDT Sidoti Small Cap Conference (March 2026)
Slide 2: Forward-Looking Statements
All statements in this presentation that are not purely about historical facts, including, but not limited to, those in which we use the words “believe,” “anticipate,” “expect,” “plan,” “intend,” “estimate, “target” and similar expressions, are forward-looking statements within the meaning of the Pr
Slide 3: IDT at a Glance
IDT | IDT at a Glance Innovative Fintech & SaaS Provider $1.2 BN $246 MM Cash + Current Investments 1,950 Market Cap1 Global Headcount 2 with no Debt $1.3 BN Revenue - TTM3 $143 MM Adjusted EBITDA4 - TTM $122 MM Adjusted Net Cash Provided by Operating Activities4 - TTM IDT 3 3
Slide 4: Synergistic Business Portfolio
IDT | Synergistic Business Portfolio High-Growth, High-Margin Business Segments Traditional Communications Segment NRS Segment: Mobile top-up and other POS-platform and payment digital prepaid offerings processing solutions Fintech Segment: International International cash remittances long-distance
Slide 5: High-Growth High-Margin Segments
High-Growth High-Margin Segments IDT 5
Slide 6: National Retail Solutions (NRS)
National Retail Solutions (NRS) Our integrated cloud software and payment processing solutions enable bodegas and other independent retailers to operate more profitably The NRS platform also offers advertisers and consumer packaged goods marketers unprecedented reach into urban consumer markets IDT 6
Slide 7: NRS | One platform → Multiple Recurring Revenue Streams
NRS | One platform → Multiple Recurring Revenue5 Streams Generating Recurring, High-Margin Revenue at $150 Million ARR6 Merchant Services7 64% of Recurring Revenue ➠ Retailers subscribe to NRS Pay, a payment processing solution for electronic payments including credit and debit cards and EBTs Advert
Slide 8: NRS | Expanding POS Platform for Independent Retail Market
NRS |Expanding POS Platform for Independent Retail Market Building on competitive assets: ~39K+ terminals operating at ~ 30% more locations than ● Partnering with retailers to drive growth ● Tailored, purpose-built solution 34K retailers8 America’s largest retail chains ● Leading POS brand for targe
Slide 9: NRS | Topline Growth
NRS | Topline Growth Recurring Revenue +39% CAGR (2022-2025) Increasing average $134.8 monthly recurring $140 $122.6 revenue per terminal9 $120 $96.9 $325 $100 $71.4 $80 Millions $60 $45.3 2Q26 $40 $20 $310 $0 2Q25 2022 2023 2024 2025 TTM Merchant Services Advertising & Data Saas Fees Fiscal years e
Slide 10: NRS | Delivering Enhanced Profitability and Strong Growth
NRS |Delivering Enhanced Profitability and Strong Growth Adjusted EBITDA (in millions) Optimizing for growth and profitability $39.4 “Rule of 40” score10: $35.4 $17.5 $26.2 46% $12.8 Adjusted EBITDA margin11 2022 2023 2024 2025 TTM 30%2Q26 Fiscal years ended July 31st . TTM ended January 31, 2026 IDT
Slide 11: International remittance services (BOSS Money)
Our international remittance services enable customers in the U.S. and Canada to send money to friends and family in 48 destination countries BOSS Money’s results are reported within IDT’s Fintech segment. This segment also holds other initiatives, including IDT’s Gibraltar-based bank IDT 11
Slide 12: A Digital First Platform
| A Digital First Platform Digital Channel Dominant ● Digital transactions contributed 85% of total BOSS Money transactions (2Q26) Digital (apps) Channel - Superior User Experience ● Senders use the BOSS Money app, the BOSS Revolution app, and WhatsApp messaging to originate transfers ● User-rated 4
Slide 13: BOSS EcoSystem - A Reinforcing Strategic Advantage
| BOSS EcoSystem - A Reinforcing Strategic Advantage BOSS Money App BOSS Revolution Calling App BOSS Money DIGITAL Remittance Customer 2.8 Million BOSS Brand unique BOSS Acquisition Marketing customers / month Cross Marketing RETAIL 25 million impressions / month Hard Cards 83 million BOSS transacti
Slide 14: Digital Channel - Transformational Growth
| Digital Channel - Transformational Growth Digital Revenue and Send Volume12 (in millions) Digital Channel +37% (2022-2025) Revenue CAGR $106.8 Highlights $99.0 (YoY in 2Q26) $5,500 $73.0 +14% $4,750 Revenue $52.6 $4,000 +17% $38.3 $3,250 Transactions $2,500 $1,750 +29% Send volume 2022 2023 2024 2
Slide 15: Fintech Segment Profitability
| Fintech Segment Profitability Fintech Adjusted EBITDA (in millions) $23.8 Increasing Adjusted $18.6 EBITDA margin 13.7 % $(4.6) $(1.4) $1.3 2Q26 10.6% 2022 2023 2024 2025 TTM 2Q25 Fiscal years ended July 31st . TTM ended January 31, 2026 IDT 15
Slide 16: AI-powered communications and contact center solutions
Our AI-powered communications and contact center solutions help businesses succeed by interacting with their consumers with enhanced intelligence and insights IDT 16
Slide 17: Compelling Offerings
| Compelling Offerings AI-Powered Product Suite Communications platform A CX solution for high-volume Agentic AI that handles AI-powered coaching for integrating voice, messaging, sales and support teams inquiries and completes enhanced employee video, and chat in a single place workflows performance
Slide 18: Strategic Differentiation
| Strategic Differentiation Offerings Differentiated by Market, Geography, and Channel ➠ Market fragmentation Focus on ➠ Lower friction toward switching costs Distinctive Geography Focus on Americas Mid-Market ➠ Businesses ➠ Tech focus on UX with Deeply Localized ➠ UX customized by Offerings market
Slide 19: Steady Growth
| Steady Growth Subscription Revenue13 17% + CAGR (2022-2025) $90.2 $100 $85.7 Subscription revenue (in millions) $80 $66.8 $78.4 Seats Served14 (at January 31, 2026) $53.6 435K $60 $40 $20 $0 2022 2023 2024 2025 TTM Fiscal years ended July 31st . TTM ended January 31, 2026 IDT 19
Slide 20: Increasing Adjusted EBITDA & Margins
Increasing Adjusted EBITDA & Margins Adjusted EBITDA (in millions) $14.2 $15 $12.1 Increasing Adjusted $7.9 EBITDA margin $10 $3.1 $5 $(5.9) 0 16.5 % $(5) 13.3% 2Q26 $(10) 2Q25 2022 2023 2024 2025 TTM Fiscal years ended July 31st . TTM ended January 31, 2026 IDT 20
Slide 21: Traditional Communications Segment
Traditional Communications Segment IDT 21
Slide 22: Traditional Communications | Primary Businesses
Traditional Communications | Primary Businesses Voice & SMS Services Cross-border value transfers Terminates & manages international through mobile-top-up and other voice traffic and SMS through direct International digital prepaid offerings connections to over 150 countries long-distance calling $42
Slide 23: Traditional Communications | Durable Adjusted EBITDA Generation
Traditional Communications | Durable Adjusted EBITDA Generation Adjusted EBITDA and Adjusted EBITDA Margin 11% Gross Profit $86.3 $80.2 $76.4 $75.0 Margin $71.7 10% Adjusted EBITDA Margin Adjusted EBITDA (in millions) 9% 8% 19.2% 7% 18.9% TTM 2Q26 TTM 2Q25 6% 2022 2023 2024 2025 TTM Adjusted EBITDA A
Slide 24: IDT Consolidated
IDT Consolidated IDT 24
Slide 25: Revenue Expansion Driven by Growth Segments
IDT | Revenue Expansion Driven by Growth Segments15 Consolidated Revenue (in millions) +6% Growth $1,262 $1,221 (2Q26/2Q25) Segments’ $303 $302 $317 $323 $321 Revenue 33% of revenue 67% of revenue +14% TTM (2Q26/2Q25) 2Q25 3Q25 4Q25 1Q25 2Q26 TTM 2Q25 TTM 2Q26 Traditional Communications Segment Grow
Slide 26: Delivering Record Adj. EBITDA and Margins
IDT | Delivering Record Adj. EBITDA and Margins Consolidated Adjusted EBITDA +9% (2Q26/2Q25) $142.8 $37.9 $38.0 $34.9 $33.1 $33.8 $114.7 Adj. EBITDA Margin (2Q26/2Q25) +40 bps 49% of Adj EBITDA 56% of Adj EBITDA to 51% of Adj EBITDA 44% of Adj EBITDA 11.9% 2Q25 3Q25 4Q25 1Q26 2Q26 TTM 2Q25 TTM 2Q26
Slide 27: Thank You
Thank You invest@idt.net
Slide 28: Footnotes
Footnotes (1) As of market close on March 16, 2026. (2) ‘Net cash + current investments’ consists of cash and cash equivalents plus current debt securities plus current equity investments minus total debt as of January 31, 2026. The company had no outstanding debt as of that date. (3) Throughout thi
Slide 29: Footnotes, continued
Footnotes, continued (10) The “Rule of 40” is a commonly used metric to evaluate the performance of software as a service (SaaS) providers. It postulates that a SaaS company’s growth rate when added to its EBITDA margin should equal or exceed 40 percent. For NRS, the “Rule of 40” score for 2Q26 is c
Slide 30: Non-GAAP Reconciliation
Non-GAAP Reconciliation 30 | Investor Presentation
Slide 31: Reconciliation of Non-GAAP Financial Measures
IDT | Reconciliation of Non-GAAP Financial Measures In addition to disclosing financial results that are determined in accordance with generally accepted accounting principles in the United States of America (GAAP), IDT also disclosed (a) Adjusted EBITDA (b) Adjusted EBITDA margin (c) adjusted net c
Slide 32: Reconciliation of Non-GAAP Financial Measures, continued
IDT | Reconciliation of Non-GAAP Financial Measures, continued Management believes that IDT’s Adjusted EBITDA and Adjusted EBITDA margin are measures which provide useful information to both management and investors by excluding certain expenses and non-routine gains and losses that may not be indic
Slide 33: Reconciliation of Non-GAAP Financial Measures, continued
IDT | Reconciliation of Non-GAAP Financial Measures, continued Other operating income (expense), net, which is a component of income (loss) from operations, is excluded from the calculation of Adjusted EBITDA and Adjusted EBITDA margin. Other operating expense, net primarily includes legal fees net
Slide 34: Reconciliation of Non-GAAP Financial Measures
IDT | Reconciliation of Non-GAAP Financial Measures NRS’ ‘Rule of 40’ score is a metric used to evaluate the performance of SaaS providers. It postulates that a SaaS provider’s revenue growth rate plus its EBITDA margin should equal or exceed 40 percent. The ‘Rule of 40’ is typically used to assess
Slide 35: Reconciliation of Net Income to Adjusted EBITDA for TTM (2Q26)
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for TTM (2Q26) (unaudited) in millions. Figures may not foot due to rounding IDT 35
Slide 36: Reconciliation of Net Income to Adjusted EBITDA for 2Q26
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for 2Q26 (unaudited) in millions. Figures may not foot or cross-foot due to rounding IDT 36
Slide 37: Reconciliation of Net Income to Adjusted EBITDA for 1Q26
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for 1Q26 (unaudited) in millions. Figures may not foot or cross-foot due to rounding IDT 37
Slide 38: Reconciliation of Net Income to Adjusted EBITDA for 4Q25
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for 4Q25 (unaudited) in millions. Figures may not foot or cross-foot due to rounding IDT 38
Slide 39: Reconciliation of Net Income to Adjusted EBITDA for 3Q25
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for 3Q25 (unaudited) in millions. Figures may not foot or cross-foot due to rounding IDT 39
Slide 40: Reconciliation of Net Income to Adjusted EBITDA for 2Q25
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Net Income to Adjusted EBITDA for 2Q25 (unaudited) in millions. Figures may not foot or cross-foot due to rounding IDT 40
Slide 41: Reconciliation of Adjusted EBITDA Margin to Gross Margin
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Adjusted EBITDA Margin to Gross Margin for 2Q26 and 2Q25 (unaudited) in millions, except per share data. Figures may not foot due to rounding IDT 41
Slide 42: Adjusted net cash provided by operating activities 1Q26 and 1Q25
IDT | Reconciliation of Non-GAAP Financial Measures, continued Adjusted net cash provided by operating activities for 1Q26 and 1Q25 (unaudited) in millions. Figures may not foot due to rounding to millions IDT 42
Slide 43: NRS' Rule of 40 Score For 2Q26
IDT | Reconciliation of Non-GAAP Financial Measures, continued NRS’ ‘Rule of 40’ Score For 2Q26 (unaudited) in millions. Figures may not foot due to rounding to millions IDT 43