Idt Corporation · NYSE:IDT
Idt — Q3 2026 Earnings Presentation
43 slides from Idt's earnings presentation, June 2026
Slide 1: Investor Presentation Third Quarter Fiscal 2026
Investor Presentation NYSE: IDT Third Quarter Fiscal 2026 (three months ended April 30, 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 P
Slide 3: IDT celebrates 30th anniversary as a public company
IDT celebrates its 30th anniversary as a public company. IDT’s founder and Chairman, Howard Jonas, and CEO, Shmuel Jonas, ring the opening bell at the NYSE. - June 29, 2026 IDT 3
Slide 4: IDT at a Glance
IDT | IDT at a Glance Innovative Fintech & SaaS Provider $1.4 BN $251 MM Cash + Current Investments 1,950 Market Cap1 Global Headcount 2 with no Debt $1.3 BN Revenue - TTM3 $147 MM Adjusted EBITDA4 - TTM $26 MM Repurchases of common stock + dividends paid (TTM) IDT 4 4
Slide 5: 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 6: High-Growth High-Margin Segments
High-Growth High-Margin Segments IDT 6
Slide 7: 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 7
Slide 8: NRS: One Platform, Multiple Recurring Revenue Streams
NRS | One platform → Multiple Recurring Revenue5 Streams Generating Recurring, High-Margin Revenue at $144 Million ARR6 Merchant Services7 72% of Recurring Revenue ➠ Retailers subscribe to NRS Pay, a payment processing solution for electronic payments including credit and debit cards and EBTs Advert
Slide 9: NRS: Expanding POS Platform for Independent Retail Market
NRS |Expanding POS Platform for Independent Retail Market ~40K+ terminals operating at ~ 30% more locations than Building on competitive assets: ● Purpose-built POS solution is platform 34K retailers8 America’s largest retail for delivery of high value services chains ● Leading POS brand for target
Slide 10: NRS: Topline Growth
NRS | Topline Growth Recurring Revenue (in millions) $141.4 Increasing average +39% (2022-2025) CAGR $122.6 monthly recurring revenue per terminal9 $96.9 $71.4 $307 $45.3 3Q26 $279 3Q25 2022 2023 2024 2025 TTM Fiscal years ended July 31st . TTM ended April 30, 2026 Merchant Services Advertising & Da
Slide 11: NRS: Delivering Enhanced Profitability and Strong Growth
NRS |Delivering Enhanced Profitability and Strong Growth Adjusted EBITDA (in millions) +40% (2022-2025) CAGR Optimizing for growth $41.4 and profitability $35.4 “Rule of 40” score10: $17.5 $26.2 50% $12.8 Adjusted EBITDA margin11 28% 2022 2023 2024 2025 TTM TTM (3Q26) Fiscal years ended July 31st . TT
Slide 12: 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 50 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 12
Slide 13: A Digital First Platform
| A Digital First Platform Digital Channel Dominant ● Digital transactions contributed 87% of total BOSS Money transactions (3Q26) 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 14: BOSS Ecosystem - Leveraging a Strategic Advantage
| BOSS Ecosystem - Leveraging a 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 transactio
Slide 15: Digital Channel - Transformational Growth
| Digital Channel - Transformational Growth Digital Revenue and Send Volume12 (in millions) +37% $113.3 Revenue CAGR $6,000 Digital Channel (2022-2025) $99.0 Highlights $5,250 (3Q26 / 3Q25) $73.0 $4,500 +27% Revenue $52.6 $3,750 $38.3 +20% Transactions $3,000 $2,250 $1,500 +40% Send volume 2022 2023
Slide 16: Digitally Dominant Providers Lead MT Industry
| Digitally Dominant Providers Lead MT Industry BOSS Money revenue growth vs. publicly traded money-transfer peers BOSS Money digital channel +27% Remitly U.S. origination +25% The federal remittance tax implemented on BOSS Money consolidated revenue +15% January 1st has accelerated the Euronet Worl
Slide 17: Fintech Segment Profitability
| Fintech Segment Profitability Fintech Adjusted EBITDA (in millions) $25.3 Increasing Adjusted $18.6 EBITDA margin 14.7 % $(4.6) $(1.4) $1.3 3Q26 13.2% 2022 2023 2024 2025 TTM 3Q25 Fiscal years ended July 31st . TTM ended April 30, 2026 IDT 17
Slide 18: net2phone AI-powered communications solutions
Our AI-powered communications and contact center solutions help businesses succeed by interacting with their consumers with enhanced intelligence and insights IDT 18
Slide 19: Compelling Offerings
| Compelling Offerings AI-Powered Product Suite A unified communications A contact center (CCaaS) Agentic AI that handles AI-powered coaching for (UCaaS) solution integrating solution for high-volume sales inquiries and completes enhanced employee voice, messaging, video, and and support teams workflo
Slide 20: Strategic Differentiation
| Strategic Differentiation Offerings Differentiated by Market, Channel and Geography ➠ Often underserved with legacy technologies Focus on ➠ Suited to a single, holistic AI + communications Mid-Market solution integrating existing CRM software to Distinctive Geography ➠ Focus on Americas Businesses
Slide 21: Steady Growth
| Steady Growth Subscription Revenue13 +17% (2022-2025) CAGR $93.5 $100 $85.7 Subscription revenue (in millions) $80 $66.8 $78.4 Seats Served14 (at April 30, 2026) $53.6 441K $60 $40 $20 $0 2022 2023 2024 2025 TTM Fiscal years ended July 31st . TTM ended April 30, 2026 IDT 21
Slide 22: Operating Leverage Expanding Profitability
Operating Leverage Expanding Profitability Adjusted EBITDA (in millions) $15.2 $15 $12.1 Increasing Adjusted $7.9 EBITDA margin $10 $3.1 $5 $(5.9) 0 17.0 % $(5) 14.5% 3Q26 $(10) 3Q25 2022 2023 2024 2025 TTM Fiscal years ended July 31st . TTM ended April 30, 2026 IDT 22
Slide 23: Traditional Communications Segment
Traditional Communications Segment IDT 23
Slide 24: 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 25: Traditional Communications | Durable Profitability
Traditional Communications | Durable Profitability Adjusted EBITDA and Adjusted EBITDA Margin (in millions) $86.3 $80.2 $76.4 $75.2 $71.7 10% Adjusted EBITDA Margin 9% 8% 9.5% 7% 9.3% 3Q26 3Q25 6% 2022 2023 2024 2025 TTM Adjusted EBITDA Adjusted EBITDA Margin Fiscal years ended July 31st . TTM ended
Slide 26: IDT Consolidated
IDT Consolidated IDT 26
Slide 27: Revenue Expansion Driven by Growth Segments
IDT | Revenue Expansion Driven by Growth Segments15 Consolidated Revenue (in millions) +5% (3Q26/3Q25) $1,224 $1,276 Growth Segments’ Revenue $317 $323 $321 $302 $316 +17% (3Q26/3Q25) 3Q25 4Q25 1Q26 2Q25 3Q26 TTM 3Q25 TTM 3Q26 Traditional Communications Segment less Corporate Expense Growth Segments
Slide 28: Increasingly Profitable as Growth Segments Expand
IDT | Increasingly Profitable as Growth Segments Expand Consolidated Adjusted EBITDA and Adjusted EBITDA margin (in millions) +9% (3Q26/3Q25) $147.2 $37.9 $38.0 $37.5 Growth Segments’ $125.2 $33.1 $33.8 13% Adjusted EBITDA 12% 11% +27% (3Q26/3Q25) 10% 9% 3Q25 4Q25 1Q26 2Q26 3Q26 TTM 3Q25 TTM 3Q26 Fis
Slide 29: Thank You
Thank You invest@idt.net
Slide 30: Footnotes
Footnotes (1) As of market close on June 8, 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 April 30, 2026. The company had no outstanding debt as of that date. (3) Throughout this pr
Slide 31: 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 3Q26 is c
Slide 32: Non-GAAP Reconciliations
Non-GAAP Reconciliations 32 | Investor Presentation
Slide 33: 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, and (c) NRS’ ‘Rul
Slide 34: 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 35: 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. From time-to-time, IDT may have gains or incur costs related to
Slide 36: 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 37: Reconciliation of Consolidated Net Income to Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Consolidated Net Income to Adjusted EBITDA for TTM (3Q26) Unaudited. In thousands. Figures may not foot due to rounding IDT 37
Slide 38: Reconciliation of NRS Income from Operations to Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of NRS’ Income from Operations to Adjusted EBITDA and Adjusted EBITDA Margin for FY2022 through FY 2025 and TTM (3Q26) Full fiscal year results audited. TTM unaudited. In millions. Figures may not foot due to rounding IDT 3
Slide 39: Reconciliation of NRS Rule of 40 Score
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of NRS’ ‘Rule of 40’ Score (3Q26) Unaudited. In millions. Figures may not foot due to rounding IDT 39
Slide 40: Reconciliation of Fintech Income from Operations to Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Fintech’s Income from Operations to Adjusted EBITDA for fiscal years 2022 - 2025 and TTM (3Q26), and Adjusted EBITDA Margin for 3Q25 and 3Q26 Full fiscal year results audited. TTM unaudited. In millions. Figures may not f
Slide 41: Reconciliation of net2phone Income from Operations to Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of net2phone’s Income from Operations to Adjusted EBITDA for fiscal years 2022 - 2025 and TTM (3Q26), and Adjusted EBITDA margin for 3Q25 and 3Q26 Full fiscal year results audited. TTM unaudited. In millions. Figures may not
Slide 42: Reconciliation of Traditional Communications Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of Traditional Communications’ Income from Operations to Adjusted EBITDA and Adjusted EBITDA Margin for FY2022 through FY2025 and TTM (3Q26) Fiscal year results audited. TTM unaudited. In millions. Figures may not foot due
Slide 43: Reconciliation of Growth Segments Adjusted EBITDA
IDT | Reconciliation of Non-GAAP Financial Measures, continued Reconciliation of growth segments and Traditional Communications segment less corporate expense – Income from Operations to Adjusted EBITDA for 3Q25 through 3Q26 and for TTM (3Q25) and TTM (3Q26) Unaudited. In millions. Figures may not f