Idt Corporation · NYSE:IDT
Idt — East Coast IDEAS Conference 2025
42 slides from Idt's conference presentation, Jun 12, 2025
Slide 1: Investor Presentation – East Coast IDEAS Conference June 2025
Investor lig Presentation NYSE:IDT East Coast IDEAS Conference June 2025
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| |DT at aGlance iw Innovative SaaS and Fintech Provider Newark, NJ $1.6 BN Headquarters 5 ; Market Cap $120 MM TIM Adjusted EBITDA? » Ea:
Slide 4: A Global Workforce
1) IDT| AGlobal Workforce Ooo. 1,850 professionals Lod) worldwide
Slide 5: Synergistic Businesses Focused on Underserved Markets
W) IDT | Synergistic Businesses Focused on Underserved Markets High-Growth, High-Margin Business Segments Traditional Communications Segment NRS Segment: os POS-platform and payment oe) solutions for independent reg! retailers and advertisers ot Mobile top-up and other digital prepaid offerings & Fi
Slide 6: High-Growth, High-Margin Businesses
High-Growth High-Margin Businesses
Slide 7: National Retail Solutions (NRS)
we National Retail Solutions (NRS) Our integrated cloud software solutions enable independent profitably nt processing The NS pl packaged goo urban consumi
Slide 8: NRS: Rapid Network Expansion with Extensive Runway
| oe NRS | Rapid Network Expansion with Extensive Runway The Largest POS Platform Serving Active POS Terminals Independent Retailers in the USA ps mtv 8560 ache amine it 132, ASR, ~31,000 independent retail stores* Core TAM of 200,000 independent retailers: § = C-stores and bodegas {12400 J = Liquor
Slide 9: NRS: One Platform, Multiple Recurring Revenue Streams
8, NRS | One platform > Multiple Recurring Revenue? Streams Generating Recurring, High-Margin Revenue at $118 MMARR® Merchant Services = Retailers subscribe to NRS Pay, a payment processing solution for electronic payments including credit and debit cards and EBTS Advertising & Data ~ Marketers purc
Slide 10: NRS: Topline Growth
| oe NRS | Topline Growth Recurring Revenue it HO $969 sna $453 . 7 2021 2022 2028 2026 ™, snes [B vorenant services Advorsing pata ff sans ose Fiscal years ended July 31" TTM ended Aprit30, 2025 Powered by terminal network expansion and increasing revenue per terminal Average monthly recurring reve
Slide 11: NRS Merchant Services - Featuring NRS Pay
7 See NRS | Merchant Services - Featuring NRS Pay ro Revenue & Payment Processing Accounts (7) NRS Pay - Provides retailers with credit card and other electronic payment processing CAGR 40 P I +91. cee) Robust YoY Expansion g ta Continued in 3Q25 2 $60 0 5 z H = $50 2 2 rf Merchant 2 300 20 3 + f/ %
Slide 12: NRS Advertising & Data - Offering Marketers Exceptional Reach
| oe NRS | Advertising & Data - Offering Marketers Exceptional Reach America’s largest independent retailer-hosted Advertisin; erad Revenue advertising and transaction data network Leon, Advertising = Ads are served on the NRS POS’ customer-facing digital screens = inventory is sold to advertisers v
Slide 13: NRS SaaS Fee Revenue Growth Driven by Network Expansion
| cue NRS | SaaS Fee Revenue Growth Driven by Network Expansion SaaS Fee Revenue (inmillions) Retailers pay monthly recurring charges (MRCs) for CAGR POS Services (2021-2024) Retailers can select from several feature-rich software plans. Fees range from $19.95 to $74.95 per month ea Revenue growth d
Slide 14: NRS: Delivering Enhanced Profitability and Strong Growth
| oe NRS [Delivering Enhanced Profitability and Strong Growth Adjusted EBITDA @ (in millions) Optimizing for growth and profitability “Rule of 40”" 49% ep ° Adjusted EBITDA margin” increased to 23.1% in 3Q25 = from 21.8% in 3Q24 20 202 2023 2026 ™ 7) Fiscal years ended July 3°, TTM ended April 30, 2
Slide 15: BOSS Money: Spread the Happiness
a. q Gpread the happiness MONEY. + = =| including IDT's C
Slide 16: BOSS Money: A Digital First Platform
mn ® BOSS MONEY. | A Digital First Platform Expansive Platform Presence = Transferring $6.5 billion in principal value (3Q25 annualized) = Backed by nationwide marketing of the BOSS brand AMEXICO B Digital (apps) Channel - Superior User Experience = Senders use BOSS Money and BOSS Revolution Apps =
Slide 17: BOSS Digital Channel - Transformational Growth
mi <@ BOSS BOSS | Digital Channel - Transformational Growth Revenue and Transactions (inmillions) e2) Revenue ge +27 cacR ['s730 ) (2021-2024) 2021 2022 2028 2024 ™ , a your ended uy. Tend pr 302005 20 16 ° Digital Channel Highlights (YoY in 3Q25) +5ly Revenue +52% Transactions +40, Send Volume”? 1D
Slide 18: BOSS Money App
BOSS Money App "4 ne Customer 3 Million Foss eens Acquisition unique BOSS arketing customers /month ~50 million ‘and 2" generation immigrants in USA from Latin ‘America, Caribbean & Africa BOSS Money Remittance ross Marketing 50 million impressions / month 86 million transactions (2024) BOSS Mobile
Slide 19: BOSS Fintech Segment Profitability
1 & BOSS | Fintech Segment Profitability MONEY. Fintech Adjusted EBITDA (in millions) 2021 2022 2028 2026 1™. Fiscal years ended July 3. TTM ended April 30,2025 7) 13.0 Adjusted EBITDA margin in 3Q25 compared to 1% in 3924 1DT 9
Slide 20: net2phone cloud communications
2 (Our cloud-based, unified communi center solutions help busi with their consumers insights tions and contact, ucceed by interacting ith enhanced intelligence and 1DT 20
Slide 21: net2phone Compelling Offerings
M net2phone | compelling Offerings Key Features & Functionalities for Today’s Business Environment MO unite i! uContact (Ucaas) (cCaas) Scalable contact center platform for organizations with high interaction volumes, Combines voice, video, and messaging into a single interface, making communication
Slide 22: net2phone Strategic Differentiation
HM net2phone | strategic Differentiation Offerings Differentiated by Market, Geography, and Channel = Market fragmentation Focus on = Lower friction toward switching costs Distinctive Geography - Focus on Americas = Tech focus on UX with Deeply Localized = ux customized by Offerings market /region B
Slide 23: net2phone Steady Growth
Mj net2phone | Steady Growth Subscription Revenue"* Highlights | B26. 05 (25) $100 +I], 60 cD Annual subscription revenue ep increase on a constant aoe epT currency basis'® $40 me #l 5 0 0 0 U ; $0 Seats served'¢ at 2003 April 30, 2025 Fiscalyears ended July 3". TTM ended April 30,2025 1DT
Slide 24: net2phone Increasing Adjusted EBITDA & Margins
M net2phone increasing Adjusted EBITDA & Margins Adjusted EBITDA (in millions) 2021 2022 2023 2024 ™ Fiscalyears ended July 3, TTM ended Api'30,2025 7) 15», Adjusted EBITDA margin in 3925 compared to 10% in 3Q24 1DT 24
Slide 25: Traditional Communications Segment
Traditional Communications Segment
Slide 26: Traditional Communications Primary Businesses
Cross-border value transfers through mobile-top-up and other digital prepaid offerings $415 MM TTM Revenue = @ BOSS REVOLUTION International long-distance calling $224 MM TTM Revenue ional Communications | Primary Businesses IDT global Voice & SMS Services Terminates & manages international voice tr
Slide 27: Traditional Communications Durable Cash Generation
§§ Traditional Communications | Durable Cash Generation Adjusted EBITDA and Adjusted EBITDA Margin (7) a € E : = = € 9% : (92s < 8 e ° 3 my a g Adjusted EBITDA zB 3 margin in 3Q25 3 is tas compared to Bg 6.7% in 3Q24 o% 200 ron 202 2004 1 IM Aciuted ESA mem Ajusted EBITDA Marin Fiscal years ended Ju
Slide 28: IDT Consolidated
IDT Consolidated IDT
Slide 29: GP Expansion Powered by Rotation to Growth Segments
WI IDT | GP Expansion Powered by Rotation to Growth Segments” Gross Profit (in millions) 7) | T +10 CAGR (2021-2024) 9 3/7 7o Gross profit margin”® in 3Q25 compared to 32% in 3Q24 [H_ Traditional communications Segment | Growth segments Fes deers eres wor eS
Slide 30: Increasing Profitability Backed by a Strong Balance Sheet
WH IDT | Increasing Profitability Backed by a Strong Balance Sheet Adjusted EBITDA (in millions) Consolidated Adjusted EBITDA and Adjusted EBITDA Margin ep cD q ao 2021 2022 2028 2026 ™ [HE Adjusted EBTDA sms Adjusted EBITDA Margin Fiscal years ended July 3H. TTM ended April $0, 2025 Balance Sheet H
Slide 31: Thank You
Thank You invest@idt.net
Slide 32: Footnotes
Footnotes IDT) {ij Throughout this presentation, TTM refers to the twelve month period ended Apri 36, 2025. Ali quarterly results presented refer to three month periods ended: October 31* (1Q), January 31* (2Q); April 30% (3Q); or July 31 (4Q). (2) Throughout this presentation, Adjusted EBITDA is a
Slide 33: Footnotes, continued
Footnotes, continued (N) The “Rule of 40” is a commonly used metric to evaluate the performance of software as a service (SaaS) providers. It postulates [Dy 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 3Q25 i
Slide 34: Non-GAAP Reconciliation
Non-GAAP Reconciliation
Slide 35: Non-GAAP Reconciliation
MB IDT | Non-GAAP Reconciliation IDT's Adjusted EBITDA is a non-GAAP measure. Generally, a non-GAAP measure is a numerical measure of a company’s performance, financial position, or cash flows that either excludes or Includes amounts that are not normally excluded or included in the most directly co
Slide 36: Non-GAAP Reconciliation, continued
BM IDT | Non-GAAP Reconciliation, continued Other operating (expense gain, net, which is a component of income (loss) from operations, is excluded from the calculation of Adjusted EBITDA. Other operating (expense) gain, net includes, among other items, legal fees net of insurance claims related to S
Slide 37: Non-GAAP Reconciliation - NRS Rule of 40
Bl IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 14 hd Reconciliation of NR (Operations to Asjustea Bt Income trom operations Depreciation and amortization Severance expense (ther operating expense, nat Aajusted EBMTOA INAS “Rute of 40° NAS ecuring revenue INAS omer revenue [NRG total revenue N
Slide 38: Reconciliation of Adjusted EBITDA for NRS
Bl IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 14 Reconciling (Loss) Income from Operations to Adjusted EBITDA for NRS (USD in thousands) T™ FY2021 FY2022 FY2023 FY2024 3Q2025 (Loss) income from operations (252) 11,208 14,401 21,626 27,955 Depreciation and amortization 520 905 2,363 3,200 3,8
Slide 39: Reconciliation of Adjusted EBITDA for Fintech
I IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 19 Reconciling Income from Operations to Adjusted EBITDA for Fintech (USD in thousands) TIM FY 2021 FY2022 FY2023 FY2024 3Q2025 (Loss) income from operations (1,947) (6,887) (2,533) (130) 13,187 Depreciation and amortization 1,515 2,231 2,683 2,87
Slide 40: Reconciliation of Adjusted EBITDA for net2phone
Hl IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 24 Reconciling (Loss) Income from Operations to Adjusted EBITDA for net2phone (USD in thousands) TM FY2021 FY2022 FY2023 FY2024 3Q2025 Loss from operations (15,460) (11,132) (2,754) 1,681 4,320 Depreciation and amortization 5,053 5,374 5,609 6,13
Slide 41: Reconciliation of Adjusted EBITDA for Traditional Communications
Reconciling Income from Operations to Adjusted EBITDA for Traditional Communications (USD in thousands) MH IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 27 TM FY2021 FY2022 FY2023 FY2024 3Q2025 Income from operations 82,027 75,826 61,288 56,4385 65,032 Depreciation and amortization 10,601 9,527
Slide 42: Reconciliation of Adjusted EBITDA for Consolidated IDT
HM IDT | FINANCIALS - Non-GAAP Reconciliation - Slide 30 Reconciling Income from Operations to Adjusted EBITDA Income from operations Depreciation and amortization Severance expense Other operating (gain) expense, net Adjusted EBITDA for Consolidated IDT (USD in thousands) TM FY2021 FY2022 FY2023 FY