Investor Presentation - Fourth Quarter Fiscal Year 2026

NYSE: IDT

Q4 Fiscal 2026

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 Private Securities Litigation Reform Act of 1995.

While these forward-looking statements represent our current judgment of what may happen in the future, actual results may differ materially from the results expressed or implied by these statements due to numerous important factors.

Our filings with the SEC provide detailed information on such statements and risks, and should be consulted along with this presentation.

To the extent permitted under applicable law, IDT assumes no obligation to update any forward-looking statements.

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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

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IDT | IDT at a Glance

$2.1 BN

Market Cap1

$272 MM

Cash + Current Investments

with no Debt2

1,975

Global Headcount

$1.3 BN

Revenue - FY 20263

$155 MM

Adjusted EBITDA4 - FY 2026

$28 MM

Repurchases of common stock + dividends paid (FY 2026)

IDT | Synergistic Business Portfolio

High-Growth, High-Margin

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Business Segments Traditional Communications Segment

NRS Segment:

POS-platform and payment processing solutions

Mobile top-up and other digital prepaid offerings

Fintech Segment: International cash remittances and consumer payment solutions

International

long-distance calling

net2phone Segment:

Agentic AI solutions and cloud communications

Wholesale voice and SMS services

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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

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NRS | One platform → Multiple Revenue Streams

Merchant Services

64% of NRS revenue5

• Retailers subscribe to NRS Pay, a payment processing solution for electronic payments including credit and debit cards and EBTs

  Advertising & Data

  20% of NRS revenue5

• Marketers purchase static and video ad impressions on customer-facing screens from the NRS POS network inventory

• Data analytics companies & CPG marketers purchase transaction data

  SaaS Fees

  11% of NRS revenue5

• Retailers pay subscription fees for POS software including basic and feature differentiated premium plans

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  ~35K

  retailer locations6

  ~30%

  more locations than America's largest retail chains

  NRS | A Leading POS Network for Independent Retailers

  Building on competitive assets:

  • Purpose-built POS solution is platform for delivery of high value services

  • Leading POS brand for target market

  • NRS sales force - "boots on the ground"

    Primary addressable market of

    ~200K

    independent retail stores

    Convenience stores Bodegas

    Liquor stores

    Tobacco shops

  • Leveraging nation-wide scale for integrations with leading scan data, couponing and delivery platforms

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    marketers with exceptional reach and

  • Digital POS screens & data provide maximum engagement

NRS | Topline Growth

CAGR 33

Revenue

(in millions)

$159.4

Increasing average monthly gross profit

(2022-2026) +

$51.3

%

$77.1

$383

4Q26

$103.1

$128.8

per location7

$315

4Q25

Merchant Services

Advertising & Data

SaaS Fees

Terminal Sales

Fiscal years ended July 31st

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NRS |Delivering Enhanced Profitability and Strong Growth

Adjusted EBITDA

(in millions)

CAGR

(2022-2026)

$26.2

+38%

$35.4

$45.8

Optimizing for growth and profitability

'Rule of 40' score8:

$17.5

$12.8

Fiscal years ended July 31st

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Our international remittance service enables 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

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2025 and 2026

Retail (in-store) Channel - Nationwide Footprint

• Strategic 'gateway' - introducing underbanked consumers to BOSS ecosystem

• Managed to maximize gross profit

Digital (apps) Channel - Superior User Experience

• Senders use the BOSS Money app, the BOSS Revolution app, and WhatsApp messaging to originate transfers

• User-rated 4.8 out of 5 stars in App Store

• Over 90% of customers are repeat users

Digital Channel Dominant

• Digital transactions comprised 88% of total BOSS Money transactions (4Q26)

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BOSS Money App

BOSS Brand Marketing

~50 million

1st and 2nd generation immigrants in USA from Latin America, Caribbean & Africa

DIGITAL

Customer Acquisition

RETAIL

BOSS Revolution Calling App

2.6 Million

unique BOSS customers / month

Hard Cards Retailer Portal

BOSS

Revolution Calling

BOSS Money Remittance

Cross Marketing 25 million impressions / month

83 million

transactions

/ year

BOSS Mobile Top-Up

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Digital Revenue and Send Volume10

(in millions)

Revenue CAGR

33

Digital Channel

(2022-2026) + %

$53

$38

$73

$99

$119

$6,750

$6,000

$5,250

$4,500

$3,750

$3,000

$2,250

$1,500

Highlights

(4Q26 / 4Q25)

Revenue Send Volume

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Fiscal years ended July 31st

+21%

+20%

+38%

Revenue

Transactions

Send volume

Fintech Adjusted EBITDA

(in millions)

$26.2

$18.6

$(4.6)

$(1.4)

Increasing Adjusted EBITDA margin

13.2%

4Q25

13.8 %

4Q26

Fiscal years ended July 31st

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Our agentic AI and communications solutions help businesses succeed by interacting with their consumers with automated intelligence and insights

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| Compelling Offerings

AI-Powered Product Suite

A unified communications (UCaaS) solution integrating voice, messaging, video, and chat in a single pane

A contact center (CCaaS) solution for high-volume sales and support teams

Agentic AI that handles inquiries and completes workflows

AI-powered coaching for enhanced employee performance through sentiment analysis, call summaries, and productivity metrics

Integrate by net2phone is a proprietary integration layer that enables clients to easily - through a straightforward, no-code interface - use net2phone's oăerings with their current software tools

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Offerings Differentiated by Market, Channel and Geography

Focus on Mid-Market Businesses

➠ Often underserved with legacy technologies

Distinctive Geography with Deeply Localized Offerings

➠ Focus on Americas

➠ UX customized by market / region

UCaaS Seats Served by Region

Latin America USA

Canada

Europe

➠ Suited to a single, holistic AI + communications solution integrating existing CRM software to handle workflows across departments

Channel Partner Centric

➠ Feature-rich partner portal

➠ Partner incentives & toolkit enhance stickiness

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➠ No/low code, UX focus ideal for self-provisioning solutions

CAGR

Subscription Revenue11

(in millions)

15

(2022-2026) + %

$53.6

$66.8

$78.4

$85.7

$94.9

(at July 31, 2026)

Fiscal years ended July 31st

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