{"id":1006432,"date":"2026-09-28T16:39:34","date_gmt":"2026-09-28T20:39:34","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/"},"modified":"2026-09-28T16:39:34","modified_gmt":"2026-09-28T20:39:34","slug":"idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/","title":{"rendered":"IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results"},"content":{"rendered":"<div class=\"mw_release\">\n<p align=\"center\">\n        <em>Record fourth quarter Gross Profit +18%; Income from Operations +52%; Adjusted EBITDA<\/em><br \/>\n        <sup><br \/>\n          <em>*<\/em><br \/>\n        <\/sup><br \/>\n        <em>\u00a0+22%<\/em>\n      <\/p>\n<p align=\"center\">\n        <em>FY 2026 Income from Operations of $121M (+21%); Adjusted EBITDA of $155M (+17%)<\/em>\n      <\/p>\n<p>NEWARK, N.J., Sept.  28, 2026  (GLOBE NEWSWIRE) &#8212; \u00a0IDT Corporation (NYSE: IDT), a global provider of fintech, communications, and AI-powered customer experience solutions, today reported results for its\u00a0fourth\u00a0quarter and full fiscal year\u00a02026, the three and twelve months ended\u00a0July 31, 2026.<\/p>\n<p>\n        <strong><br \/>\n          <u>4Q26\u00a0HIGHLIGHTS<\/u><br \/>\n        <\/strong><br \/>\n        <sup>**<\/sup>\n      <\/p>\n<ul>\n<li>\n          <strong>Consolidated Results<\/strong><\/p>\n<ul>\n<li>\n              <strong>Revenue:<\/strong> +7% to $339.0 million;<\/li>\n<li>\n              <strong>Gross profit \/ margin:<\/strong> +18% to $134.8 million \/ +360 bps to 39.8%;<\/li>\n<li>\n              <strong>Income from operations:<\/strong> +52% to $33.2 million;<\/li>\n<li>\n              <strong>Net income attributable to IDT:<\/strong> +29% to $21.7 million;<\/li>\n<li>\n              <strong>GAAP EPS:<\/strong> Increased to $0.87 from $0.67;<\/li>\n<li>\n              <strong>Non-GAAP EPS:<\/strong> Increased to $0.94 from $0.76;<\/li>\n<li>\n              <strong>Adjusted EBITDA:<\/strong> +22% to $41.2 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n          <strong>Key Businesses \/ Segments<\/strong><\/p>\n<ul>\n<li>\n              <strong>NRS<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Revenue:<\/strong> +31% to $45.0 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> +105% to $12.0 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA:<\/strong> +47% to $14.0 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>BOSS Money \/ Fintech segment<\/strong><\/p>\n<ul>\n<li>\n                  <strong>BOSS Money digital revenue:<\/strong> +22% to $33.7 million;<\/li>\n<li>\n                  <strong>Fintech segment revenue:<\/strong> +12% to $47.1 million;<\/li>\n<li>\n                  <strong>Fintech segment income from operations:<\/strong> +15% to $5.5 million;<\/li>\n<li>\n                  <strong>Fintech segment Adjusted EBITDA:<\/strong> +17% to $6.5 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>net2phone<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Subscription revenue:<\/strong> +10% to $24.5 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> +75% to $2.6 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA:<\/strong> +26% to $4.4 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>Traditional Communications<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Revenue: <\/strong>+2% to $222.0 million;<\/li>\n<li>\n                  <strong>Gross profit:<\/strong> +0.4% to $41.1 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> +8% to $16.6 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA:<\/strong> +12% to $19.9 million.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>FY\u00a02026\u00a0HIGHLIGHTS<\/u><br \/>\n        <\/strong>\n      <\/p>\n<ul>\n<li>\n          <strong>Consolidated Results<\/strong><\/p>\n<ul>\n<li>\n              <strong>Revenue:<\/strong> +5% to $1,298.0 million;<\/li>\n<li>\n              <strong>Gross profit \/ margin:<\/strong> +11% to $496.8 million \/ +200 bps to 38.3%;<\/li>\n<li>\n              <strong>Income from operations:<\/strong> +21% to $121.2 million;<\/li>\n<li>\n              <strong>Net income attributable to IDT:<\/strong> +14% to $86.6 million;<\/li>\n<li>\n              <strong>GAAP EPS:<\/strong> Increased to $3.46 from $3.01;<\/li>\n<li>\n              <strong>Non-GAAP EPS:<\/strong> Increased to $3.82 from $3.19;<\/li>\n<li>\n              <strong>Adjusted EBITDA:<\/strong> +17% to $154.6 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n          <strong>Key Businesses \/ Segments<\/strong><\/p>\n<ul>\n<li>\n              <strong>NRS<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Revenue:<\/strong> +24% to $159.4 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> +42% to $39.3 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA:<\/strong> +30% to $45.8 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>BOSS Money \/ Fintech segment<\/strong><\/p>\n<ul>\n<li>\n                  <strong>BOSS Money digital revenue: <\/strong>+21% to $119.4 million;<\/li>\n<li>\n                  <strong>Fintech segment revenue:<\/strong> +14% to $176.0 million;<\/li>\n<li>\n                  <strong>Fintech segment income from operations:<\/strong> +40% to $21.5 million;<\/li>\n<li>\n                  <strong>Fintech segment Adjusted EBITDA:<\/strong> +41% to $26.2 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>net2phone<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Subscription revenue:<\/strong> +11% to $94.9 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> +84% to $9.1 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA: <\/strong>+33% to $16.1 million.<\/li>\n<\/ul>\n<\/li>\n<li>\n              <strong>Traditional Communications<\/strong><\/p>\n<ul>\n<li>\n                  <strong>Revenue: <\/strong>+1% to $865.9 million;<\/li>\n<li>\n                  <strong>Gross profit: <\/strong>(4)% to $162.6 million;<\/li>\n<li>\n                  <strong>Income from operations:<\/strong> (5)% to $63.4 million;<\/li>\n<li>\n                  <strong>Adjusted EBITDA:<\/strong> +1% to $77.3 million.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\n        <sup><br \/>\n          <em>*<\/em><br \/>\n        <\/sup><br \/>\n        <em>This release discloses certain Non-GAAP financial measures (Adjusted EBITDA, Non-GAAP EPS, NRS&#8217; \u2018Rule of 40,\u2019 and adjusted net cash provided by operating activities) as well as certain Key Performance Metrics (net2phone subscription revenue, net2phone constant currency subscription revenue growth rate, NRS Average Monthly Network Gross Profit per Location, and BOSS Money transactions and digital channel send volume). Please see the explanations of those measures and metrics, the reasons for their inclusion and reconciliations of Non-GAAP measures to their closest GAAP measures at the end of this release.<\/em>\n      <\/p>\n<p>\n        <em>**Throughout this release, unless otherwise noted, results for the fourth quarter of fiscal year 2026 (4Q26) are compared to the fourth quarter of fiscal year 2025 (4Q25) and results for FY 2026 are compared to FY 2025. All earnings per share (EPS) and other \u2018per share\u2019 results are per diluted share.<br \/><\/em>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>REMARKS BY SHMUEL JONAS, CEO<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>IDT\u2019s fourth quarter capped off a strong fiscal year, highlighted by accelerated topline and Adjusted EBITDA growth.\u00a0<\/p>\n<p>Our three higher-margin growth segments, NRS, Fintech and net2phone, each increased their respective quarterly and full-year contributions, while our Traditional Communications segment generated more Adjusted EBITDA in fiscal 2026 than it did in fiscal 2025 or 2024. \u00a0<\/p>\n<p>At NRS, we continue to develop and deploy new, high-value functionalities for our retailers, such as our recent Uber Eats integration following the Grubhub and DoorDash partnerships we announced last year. \u00a0These advances are supplementing other tailwinds driving gains in Merchant Services revenues. \u00a0Also in the fourth quarter, Advertising and Data revenue returned to growth, bolstered by our recent acquisition. Taken together, these developments helped drive a 47% year-over-year increase in NRS&#8217; fourth quarter Adjusted EBITDA. Looking ahead, we are working on several product initiatives to increase sales to our existing retailer base and to attract new retailers to the NRS network.<\/p>\n<p>Our BOSS Money remittance business shares its brand identity, distribution networks and addressable markets with our other BOSS-branded offerings. In recent years, we invested heavily to build and improve our BOSS apps. That strategy is paying off as BOSS Money continues to grow rapidly &#8211; thanks in part to the quality of our apps and our customer-centric service.<\/p>\n<p>At BOSS Money, remittances surpassed a 30 million annual transaction run-rate for the first time in May, thanks to strong Mother&#8217;s Day results in our digital channel. This channel contributed 88% of our total transaction volume in the fourth quarter with transactions and revenue both increasing by 20+%.\u00a0<\/p>\n<p>We recently launched money transfers via our WhatsApp channel, and we closed the fiscal year by deploying a digital wallet here in the U.S. The wallet enables our customers to load funds, store promotions, and pay for services. \u00a0In addition, the BOSS Money app is extending its geographic reach, launching internationally with differentiated features by country including peer-to-peer remittances, a stablecoin-backed wallet with a reloadable debit card and other money management tools. \u00a0We are also launching a BOSS Money branded rechargeable card with credit building features. All of these developments mark early steps toward a broader suite of BOSS Money-branded financial services and tools that we intend to offer globally.\u00a0<\/p>\n<p>net2phone delivered another solid quarter as we enhanced our cloud communications portfolio with both native and standalone AI solutions for businesses across the globe. Our agentic AI solutions, AI Agent and Coach, combined with our new integration layer, enable customers to connect their everyday business applications and workflow tools with net2phone&#8217;s suite of services. net2phone&#8217;s AI tools and applications are driving nearly every conversation with our clients. That process is delivering new logos and accelerating accretive sales. \u00a0net2phone is on track to surpass the $100 million ARR milestone in the current quarter and we expect continued topline expansion throughout fiscal 2027.<\/p>\n<p>Overall, IDT is well positioned as we begin the new fiscal year with accelerating topline growth, increasing cash generation, and a debt-free balance sheet that affords us strategic flexibility.<\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>4Q26\u00a0AND FY\u00a02026\u00a0RESULTS BY SEGMENT<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong><br \/>\n          <u>National Retail Solutions (NRS)<\/u><br \/>\n        <\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\n            <em>(Terminals, accounts and retailer locations at end of period. $ in millions, except for Average Monthly GP per Location.<\/em><br \/>\n            <sup><br \/>\n              <em>*<\/em><br \/>\n            <\/sup><br \/>\n            <em> \u00a0 Numbers may not foot due to rounding.)<\/em>\n          <\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26-4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26-FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>3Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(\u0394, % \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:29%;width:29%;min-width:29%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Retailer locations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">35,400<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">34,800<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">32,700<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2,700<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Active POS terminals<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">40,400<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">39,300<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">37,200<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3,200<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Payment processing accounts<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">29,400<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">29,200<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">26,500<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2,900<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Merchant Services &amp; Other<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">28.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">25.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+31<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">102.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">76.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+33<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Advertising and Data<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+49<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">32.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">31.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">SaaS Fees<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+21<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">POS Terminal Sales<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+22<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>45.0<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>38.0<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>34.3<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+31<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>159.4<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>128.8<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+24<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">42.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">34.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">30.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+40<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">146.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">116.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+25<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit margin<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">94.8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">90.2<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">89.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+580<\/td>\n<td style=\"vertical-align: bottom\">bps\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">92.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">90.7<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+130<\/td>\n<td style=\"vertical-align: bottom\">bps\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Average monthly GP per location*<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">383<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">331<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">315<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+22<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">352<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">316<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">SG&amp;A<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">23.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+37<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">96.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">78.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+23<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Technology and development<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+25<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+24<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+105<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">39.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+42<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+47<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">45.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">35.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+30<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">CapEx<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+28<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong>NRS Take-Aways:<\/strong>\n      <\/p>\n<ul>\n<li>Beginning in 4Q26, IDT is reporting retailer locations and average monthly retailer network gross profit per location (&#8220;average monthly GP per location&#8221;) as its measures of the scope of the NRS retailer network and the contribution of the average retailer on the NRS network, respectively. Retailer locations include stores that actively utilize NRS terminals, NRS payment processing, or both. Average monthly GP per location is gross profit generated within the NRS retailer network divided by average retailer locations. Average monthly GP per location increased 22% to $383 in 4Q26 from $315 in 4Q25, primarily reflecting growth in NRS Pay.<\/li>\n<li>The strong NRS revenue increase in\u00a04Q26\u00a0was led mainly by Merchant Services and Advertising and Data, and helped drive NRS&#8217;\u00a04Q26\u00a0\u2018Rule of 40\u2019 score to\u00a060.<\/li>\n<li>NRS recently launched a partnership with Uber Eats following successful integrations with DoorDash and Grubhub. Collectively, these and other, smaller, online ordering and delivery partnerships enable NRS retailers to better meet and serve their customers wherever they are while leveraging the scale of the NRS network to further differentiate NRS&#8217; offerings.<\/li>\n<\/ul>\n<p align=\"justify\">\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>BOSS Money and Fintech Segment<\/u><br \/>\n        <\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\n            <em>(Transactions in millions. $ in millions except for average revenue per transaction. Numbers may not foot due to rounding.)<\/em>\n          <\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26-4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26-FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>3Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:29%;width:29%;min-width:29%;vertical-align: bottom\">\n            <strong>BOSS Money Transactions<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Digital channel<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+20<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">23.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+20<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Retail channel<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(20<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total transactions<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>7.5<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>6.9<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>6.6<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+14<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">23.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+15<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Digital as a percentage of total<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">88.1<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">87.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">83.3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+480<\/td>\n<td style=\"vertical-align: bottom\">bps\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">86.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">82.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+400<\/td>\n<td style=\"vertical-align: bottom\">\u200bbps<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Fintech Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">BOSS Money<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Digital channel<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">33.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">31.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+22<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">119.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">99.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+21<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Retail channel<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(17<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">37.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">40.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total BOSS Money<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>42.4<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">39.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">38.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+11<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">156.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">139.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+20<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+31<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>47.1<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>45.0<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>42.1<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+12<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>176.0<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>154.6<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+14<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Average BOSS Money revenue per transaction*<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.68<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.76<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.81<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.72<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.85<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">30.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">28.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+24<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">109.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">90.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+21<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit margin<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">65.6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">62.8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">59.1<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+650<\/td>\n<td style=\"vertical-align: bottom\">bps<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">62.3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">58.7<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+360<\/td>\n<td style=\"vertical-align: bottom\">bps<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">SG&amp;A<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">22.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+28<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">77.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">66.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+18<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Technology and development<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+15<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+40<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+17<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">26.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+41<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">CapEx<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+31<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+11<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong>BOSS Money and Fintech Take-Aways:<\/strong>\n      <\/p>\n<p>\n        \n      <\/p>\n<ul>\n<li>Digital transaction volume as a percentage of total transactions increased to\u00a088.1%\u00a0in\u00a04Q26, reflecting BOSS Money&#8217;s focused investments in digital customer acquisition programs and the industry-wide acceleration of the ongoing migration of consumers to digital channels from retail in the wake of a federal tax on remittances imposed on retail transactions beginning on January 1, 2026.<\/li>\n<li>Digital channel send volume &#8211; the amount of principal transferred by BOSS Money customers using the BOSS Money and BOSS Revolution apps &#8211; increased by 38% year-over-year in 4Q26 and by 35% in FY 2026, reflecting increases in both transaction volumes and in average dollars sent per transaction.<\/li>\n<li>The Fintech segment\u2019s year-over-year increases in gross profit margin, 650 bps in 4Q26 and 360 bps in FY 2026, primarily reflected the continuing rotation in the transaction mix to higher margin digital transactions from lower margin retail transactions, supplemented by the impact of increased average send amounts and continuous efforts to negotiate more favorable payout terms.<\/li>\n<li>The BOSS Money app attained the highest average customer satisfaction score of any of the leading digital money transfer providers serving the U.S. and U.K. markets as evaluated by FXC Intelligence for 2026. It was the second consecutive year that the BOSS Money app has won the honor.<\/li>\n<\/ul>\n<p align=\"justify\">\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>net2phone<\/u><br \/>\n        <\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\n            <em>(Seats in thousands at end of period. $ in millions. Numbers may not foot due to rounding.)<\/em>\n          <\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26-4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26-FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>3Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:29%;width:29%;min-width:29%;vertical-align: bottom\">Seats<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;text-align: right;vertical-align: middle;vertical-align: bottom\">447<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;text-align: right;vertical-align: middle;vertical-align: bottom\">441<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;text-align: right;vertical-align: middle;vertical-align: bottom\">422<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;text-align: right;vertical-align: middle;vertical-align: bottom\">+6<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Subscription revenue*<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">22.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">94.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">85.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+11<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other revenue<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(8<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(19<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>24.9<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>24.4<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>22.8<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+9<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>96.6<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>87.9<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+10<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+11<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">77.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">69.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit margin<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">81.0<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">80.6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">79.5<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+140<\/td>\n<td style=\"vertical-align: bottom\">bps<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">80.6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">79.3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+120<\/td>\n<td style=\"vertical-align: bottom\">bps<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">SG&amp;A<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">13.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+9<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">56.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">52.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Technology and development<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">11.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+5<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+75<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+84<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+26<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+33<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">CapEx<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(7<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+4<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong>net2phone Take-Aways:<\/strong>\n      <\/p>\n<ul>\n<li>The increases in subscription revenue<sup>*<\/sup>,\u00a0+10%\u00a0in\u00a04Q26\u00a0and\u00a0+11%\u00a0in FY\u00a02026, were +7% and +8%, respectively, on a constant currency<sup>*<\/sup> basis, reflecting weakness in the U.S. dollar versus local currencies in certain of net2phone&#8217;s key markets.<\/li>\n<li>The strong increases in net2phone profitability in both 4Q26 and FY 2026 reflect the leverage of net2phone&#8217;s business model and the incremental contributions of its AI-powered offerings.\u00a0<\/li>\n<li>net2phone introduced an integration layer in\u00a04Q26, enabling net2phone\u2019s solutions to work seamlessly with the customer\u2019s native, mission-critical business software without the need for developers, custom coding, or webhooks. Because they securely read from, and write to, connected CRM and communications platforms, net2phone\u2019s solutions can be synced through the integration layer with customer records and accounts, while actions are reflected in real time in the relevant systems of record and are reviewable through an audit trail.<\/li>\n<\/ul>\n<p align=\"justify\">\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>Traditional Communications<\/u><br \/>\n        <\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\n            <em>($ in millions. Numbers may not foot due to rounding.)<\/em>\n          <\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26-4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26-FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>3Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(% \u0394)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:29%;width:29%;min-width:29%;vertical-align: bottom\">\n            <strong>Revenue<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:6%;width:6%;min-width:6%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:3%;width:3%;min-width:3%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">IDT Digital Payments<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">113.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">103.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">107.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">429.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">416.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+3<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">IDT Global<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">56.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">55.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">55.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+0.4<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">231.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">209.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">BOSS Revolution<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">44.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">43.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">49.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(10<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">180.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">211.2<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(15<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+49<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">23.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Total Revenue<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>222.0<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>208.3<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>217.4<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+2<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>865.9<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>$<\/strong>\n          <\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>860.2<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>+1<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">41.1<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">40.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">41.0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+0.4<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">162.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">168.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(4<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Gross profit margin<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.5<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.4<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(30<\/td>\n<td style=\"vertical-align: bottom\">)bps<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(80<\/td>\n<td style=\"vertical-align: bottom\">)bps<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">SG&amp;A<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(8<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">75.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">79.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(5<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Technology and development<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+6<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">22.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+5<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.6<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+8<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">63.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">66.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(5<\/td>\n<td style=\"vertical-align: bottom\">)%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.9<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17.8<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+12<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">77.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">76.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+1<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">CapEx<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.5<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.4<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+22<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">+21<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong>Traditional Communications Take-Aways:<\/strong>\n      <\/p>\n<ul>\n<li>In FY\u00a02026, the Traditional Communications segment increased Adjusted EBITDA levels for the second consecutive year, underscoring the durability of the segment&#8217;s cash generation.<\/li>\n<li>IDT Digital Payments has launched an eSIM digital catalog through its Zendit B2B prepaid platform and in the BOSS Revolution app, further expanding its large and diversified catalog of prepaid offerings. The eSIM catalog targets the large and rapidly growing travel data roaming market, offering over 5,000 plans in 190+ countries.<\/li>\n<\/ul>\n<p>\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong><br \/>\n          <u>OTHER FINANCIAL RESULTS<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>Consolidated results for all periods presented include corporate overhead. Corporate Adjusted EBITDA declined to\u00a0($3.5)\u00a0million in\u00a04Q26\u00a0from\u00a0($2.5)\u00a0million in\u00a04Q25. In FY\u00a02026, corporate Adjusted EBITDA declined to\u00a0($10.8)\u00a0million from \u00a0($10.7)\u00a0million in FY\u00a02025.<\/p>\n<p>As of\u00a0July 31, 2026, IDT held\u00a0$271.9\u00a0million in unrestricted cash, cash equivalents, debt securities, and current equity investments, an increase of\u00a0$20.5\u00a0million from the level at April 30, 2026. Also at\u00a0July 31, 2026, current assets totaled\u00a0$655.4\u00a0million and current liabilities totaled\u00a0$351.9\u00a0million. The Company had no outstanding debt at the quarter end. \u00a0<\/p>\n<p>Net cash provided by operating activities in\u00a04Q26\u00a0increased to\u00a0$44.4\u00a0million from\u00a0$31.0\u00a0million in\u00a04Q25. Exclusive of changes in customer funds deposits at IDT\u2019s Fintech segment, adjusted net cash provided by operating activities* in\u00a04Q26\u00a0decreased to\u00a0$26.4\u00a0million from\u00a0$37.1\u00a0million in\u00a04Q25.<\/p>\n<p>In FY\u00a02026, net cash provided by operating activities decreased to\u00a0$91.1\u00a0million from\u00a0$127.1\u00a0million in FY\u00a02025. Exclusive of changes in customer funds deposits in IDT\u2019s Fintech segment, adjusted net cash provided by operating activities in FY\u00a02026\u00a0decreased to\u00a0$60.9\u00a0million from\u00a0$107.8\u00a0million in FY\u00a02025. \u00a0The decrease primarily stemmed from the timing of working capital movements associated with the daily changes in settlement assets and disbursement prefunding at BOSS Money.<\/p>\n<p>Capital expenditures increased to\u00a0$6.0\u00a0million in\u00a04Q26\u00a0from\u00a0$5.3\u00a0million in\u00a04Q25. For FY\u00a02026, capital expenditures increased to\u00a0$23.1\u00a0million from\u00a0$20.8\u00a0million in FY\u00a02025.<\/p>\n<p>IDT repurchased 30,752\u00a0shares of its Class B common stock through open market transactions during\u00a04Q26\u00a0for approximately $2.0 million. \u00a0Open market repurchases during FY\u00a02026\u00a0totaled 421,938 shares for approximately $21.0 million.<\/p>\n<p>\n        <strong><br \/>\n          <u>FY 2027 FINANCIAL OUTLOOK<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>For FY 2027, IDT expects to again grow consolidated gross profit by double digits, consistent with its average annual growth rate over the past several years, to a range of $545 million to $555 million.<\/p>\n<p>Building on record Adjusted EBITDA of\u00a0$154.6\u00a0million in FY 2026, IDT&#8217;s fiscal 2027 guidance reflects continued, strong profitability growth, with Adjusted EBITDA expected to range from $176 million to $180 million, with each operating segment contributing to that growth.<\/p>\n<p>\n        <strong><br \/>\n          <u>DIVIDEND<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>IDT\u2019s Board of Directors has declared a quarterly cash dividend of $0.07 per share payable on October 14, 2026, to stockholders of record as of October 5, 2026.<\/p>\n<p>\n        <strong><br \/>\n          <u>IDT EARNINGS ANNOUNCEMENT INFORMATION<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>This release is available for download in the \u201cInvestors &amp; Media\u201d section of the IDT Corporation website <u>(<\/u><a href=\"https:\/\/www.globenewswire.com\/Tracker?data=117f7-Y7nWUeHKBDWIJ26S6sG2pcaub7bXFax3GqaStl7yfENAJVpBcG-NzsrhfZmhImDcerh5i3bOv6q38pCctF5-zbHwIa-E9H-0zys7e2LP34O4HTY2pxGIkggYIosKjORM7Mz0lLWv3fOiiONw==\" rel=\"nofollow\" target=\"_blank\">https:\/\/www.idt.net\/investors-and-media<\/a>) and has been furnished on a current report (Form 8-K) with the SEC.<\/p>\n<p>IDT will host an earnings conference call beginning at 5:30 PM Eastern today with management\u2019s discussion of results followed by Q&amp;A with investors. \u00a0To listen to the call and participate in the Q&amp;A, dial 1-888-506-0062 (toll-free from the U.S.) or 1-973-528-0011 (international) and provide the following access code: 266780.<\/p>\n<p>A replay of the conference call will be available approximately three hours after the call concludes through October 12, 2026. To access the call replay, dial 1-877-481-4010 (toll-free from the U.S.) or 1-919-882-2331 (international) and provide this replay passcode: 54497. \u00a0The replay will also be accessible via streaming audio at the IDT investor relations website.<\/p>\n<p>\n        <strong><br \/>\n          <u>ABOUT IDT CORPORATION<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <u>IDT Corporation<\/u> (NYSE: IDT) is a global provider of fintech, communications and AI-powered customer experience solutions through a portfolio of synergistic businesses: <u>National Retail Solutions<\/u> (NRS), through its point-of-sale (POS) platform, enables independent retailers to operate more effectively while providing advertisers and marketers with unprecedented reach into underserved consumer markets; <u>BOSS Money<\/u> facilitates innovative international remittances and fintech payments solutions; <u>net2phone<\/u> provides enterprises and organizations with intelligently integrated cloud communications and contact center services across channels and devices; <u>IDT Digital Payments<\/u> and the <u>BOSS Revolution<\/u> calling service make sharing prepaid products and services and speaking with friends and family around the world convenient and reliable, and <u>IDT Global<\/u> and <u>IDT Express<\/u> enable communications service providers to provision and manage international voice and SMS messaging.<\/p>\n<p>\n        <em>All statements above that are not purely about historical facts, including, but not limited to, those in which we use the words <\/em>\u201c<em>believe,<\/em>\u201d \u201c<em>anticipate,<\/em>\u201d \u201c<em>expect,<\/em>\u201d \u201c<em>plan,<\/em>\u201d \u201c<em>intend,<\/em>\u201d \u201c<em>estimate,<\/em>\u201d \u201c<em>target<\/em>\u201d<em> 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 release. To the extent permitted under applicable law, IDT assumes no obligation to update any forward-looking statements.<\/em><\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>CONTACT<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">IDT Corporation Investor Relations<br \/>Bill Ulrey<br \/><a href=\"https:\/\/www.globenewswire.com\/Tracker?data=MN_ah8ymGN_UZz1t1gcYoxRkrg9OpH1eTSzkwVvpccs0OY8mPCYGSg2Qr0nVONtM5s-fYWtqhRMIvVW6dr7VVAjyNpQ7vAF1Xoqb93N76QI=\" rel=\"nofollow\" target=\"_blank\">william.ulrey@idt.net<\/a>\u00a0<br \/>973-438-3838<\/p>\n<p align=\"center\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"8\" style=\"text-align: center;vertical-align: middle\">\n            <strong>IDT CORPORATION<br \/><\/strong>\n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\" style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\" style=\"text-align: center;vertical-align: middle\">\n            <strong>CONSOLIDATED BALANCE SHEETS<\/strong>\n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:72%;width:72%;min-width:72%;vertical-align: bottom\">(in thousands, except per share data)<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>July 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>ASSETS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>CURRENT ASSETS:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Cash and cash equivalents<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">220,686<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">226,505<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Restricted cash and cash equivalents<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">138,650<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">115,327<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Debt securities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">38,612<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21,649<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Equity investments<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12,642<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5,637<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Trade accounts receivable, net of allowance for credit losses of $6,938 and $9,097 at July 31, 2026 and 2025, respectively<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">60,750<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">44,932<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Settlement assets, net of reserve of $1,535 and $1,367 at July 31, 2026 and 2025, respectively<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">55,013<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">28,014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Disbursement prefunding<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">84,751<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">37,097<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Prepaid expenses<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">13,395<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12,440<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Other current assets<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">30,867<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">28,702<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL CURRENT ASSETS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">655,366<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">520,303<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Property, plant, and equipment, net<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">41,864<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">38,869<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Goodwill<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">26,539<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">26,488<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other intangibles, net<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8,762<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5,056<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Equity investments<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6,068<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6,658<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Operating lease right-of-use assets<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,448<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,878<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Deferred income tax assets, net<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,002<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,790<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other assets<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,208<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8,161<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL ASSETS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">764,257<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">626,203<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>LIABILITIES, REDEEMABLE NONCONTROLLING INTEREST, AND EQUITY<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>CURRENT LIABILITIES:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Trade accounts payable<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,629<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19,435<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Accrued expenses<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">106,434<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">97,295<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Deferred revenue<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27,124<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27,726<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Customer funds deposits<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">147,654<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">114,708<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Settlement liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16,988<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">13,922<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Other current liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">35,050<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19,910<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL CURRENT LIABILITIES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">351,879<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">292,996<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Operating lease liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">817<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,103<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,609<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,688<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL LIABILITIES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">356,305<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">295,787<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Commitments and contingencies<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Redeemable noncontrolling interest<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">11,842<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">11,459<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>EQUITY:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">IDT Corporation stockholders\u2019 equity:<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Preferred stock, $.01 par value; authorized shares\u201410,000; no shares issued<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Class A common stock, $.01 par value; authorized shares\u201435,000; 3,272 shares issued and 1,574 shares outstanding at July 31, 2026 and 2025<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">33<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">33<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Class B common stock, $.01 par value; authorized shares\u2014200,000; 28,569 and 28,528 shares issued and 23,264 and 23,656 shares outstanding at July 31, 2026 and 2025, respectively<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">285<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">285<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Additional paid-in capital<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">319,225<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">308,111<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Treasury stock, at cost, consisting of 1,698 and 1,698 shares of Class A common stock and 5,305 and 4,872 shares of Class B common stock at July 31, 2026 and 2025, respectively<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(165,379<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(143,853<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Accumulated other comprehensive loss<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(14,097<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(16,569<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 25.0px;vertical-align: bottom\">Retained earnings<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">237,253<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">157,124<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\n            <strong>Total IDT Corporation stockholders\u2019 equity<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">377,320<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">305,131<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">18,790<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">13,826<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL EQUITY<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">396,110<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">318,957<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL LIABILITIES, REDEEMABLE NONCONTROLLING INTEREST, AND EQUITY<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">764,257<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">626,203<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<\/table>\n<p align=\"center\">\n        \n      <\/p>\n<p align=\"center\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"12\" style=\"text-align: center;vertical-align: middle\">\n            <strong>IDT CORPORATION<\/strong><br \/>\n            \n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"12\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"12\" style=\"text-align: center;vertical-align: middle\">\n            <strong>CONSOLIDATED STATEMENTS OF INCOME<\/strong>\n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"12\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:58%;width:58%;min-width:58%;vertical-align: bottom\">(in thousands, except per share data)<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>Year ended July 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2024<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>REVENUES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,297,960<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,231,495<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,205,778<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Direct cost of revenues<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">801,172<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">785,300<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">815,621<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>GROSS PROFIT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">496,788<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">446,195<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">390,157<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>OPERATING EXPENSES:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Selling, general and administrative (i)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">318,346<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">287,567<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">270,207<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Technology and development (i)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">55,743<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">50,964<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">50,554<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Severance<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,191<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">898<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,698<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other operating expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">343<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,342<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,945<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>TOTAL OPERATING EXPENSES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">375,623<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">345,771<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">325,404<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">121,165<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">100,424<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">64,753<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6,567<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6,127<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4,769<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other income (expense), ne<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,245<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(713<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(7,612<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Income before income taxes<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">129,977<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">105,838<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">61,910<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">(Provision for) benefit from income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(34,883<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(24,699<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,354<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>NET INCOME<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">95,094<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">81,139<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">68,264<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(8,461<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(5,045<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(3,810<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>NET INCOME ATTRIBUTABLE TO IDT CORPORATION<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">86,633<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">76,094<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">64,454<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Earnings per share attributable to IDT Corporation common stockholders:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Basic<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.47<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.02<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.55<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Diluted<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.46<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.01<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.54<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Weighted-average number of shares used in calculation of earnings per share:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Basic<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">24,995<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25,188<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25,241<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Diluted<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25,023<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25,295<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25,398<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">(i) Stock-based compensation included in total operating expenses<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">10,544<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,074<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,397<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<\/table>\n<p align=\"center\">\n        \n      <\/p>\n<p align=\"center\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"12\" style=\"text-align: center;vertical-align: middle\">\n            <strong>IDT CORPORATION<\/strong><br \/>\n            \n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"12\" style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"12\" style=\"text-align: center;vertical-align: middle\">\n            <strong>CONSOLIDATED STATEMENTS OF CASH FLOWS<\/strong>\n          <\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:58%;width:58%;min-width:58%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">(in thousands)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>Year ended July 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2024<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>OPERATING ACTIVITIES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">95,094<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">81,139<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">68,264<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments to reconcile net income to net cash provided by operating activities:<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21,400<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21,008<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20,351<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Deferred income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">789<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16,217<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(10,907<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Provision for credit losses and reserve for settlement assets<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5,509<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7,090<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4,390<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Stock-based compensation expense<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10,544<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3,074<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7,397<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">79<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2,199<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4,579<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Changes in assets and liabilities:<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Trade accounts receivable<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(19,185<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(5,989<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(13,695<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Prepaid expenses, other current assets, and other assets<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">690<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4,835<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5,510<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Settlement assets and disbursement prefunding<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(75,087<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(13,861<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8,219<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Trade accounts payable, accrued expenses, settlement liabilities, other current liabilities, and other liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">22,680<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(4,814<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9,081<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Customer funds deposits<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">30,144<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19,235<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1,820<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Deferred revenue<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(1,588<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(3,072<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(5,016<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Net cash provided by operating activities<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">91,069<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">127,061<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">78,191<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>INVESTING ACTIVITIES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Capital expenditures<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(23,107<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(20,770<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(18,922<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Purchase of convertible preferred stock in equity method investment<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(926<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2,017<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Payments for acquisition<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1,500<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Notes receivable from equity method investment<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(310<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1,900<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Purchase of equity investments<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1,695<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Purchases of debt securities and equity investments<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(64,402<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(33,453<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(29,921<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Proceeds from maturities and sales of debt securities and equity securities<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">43,348<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">36,310<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">50,112<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Net cash used in investing activities<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(47,666<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(20,739<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(748<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>FINANCING ACTIVITIES<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Dividends paid<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(6,504<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(5,550<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2,536<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Distributions to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2,743<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(100<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(112<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Proceeds from borrowings under revolving credit facility<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21,421<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24,551<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">32,864<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Repayments on borrowings under revolving credit facility<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(21,421<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(24,551<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(32,864<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Purchase of restricted shares of net2phone and NRS common stock<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(4,131<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Proceeds from borrowings<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">185<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Repayments of borrowings<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(185<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Proceeds from exercise of stock options<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">200<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\u2014<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">172<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Repurchases of Class B common stock<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(21,526<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(17,773<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(10,619<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Net cash used in financing activities<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(30,573<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(23,423<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(17,226<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Effect of exchange rate changes on cash, cash equivalents, and restricted cash and cash equivalents<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4,674<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,477<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(3,584<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Net increase in cash, cash equivalents, and restricted cash and cash equivalents<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17,504<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">86,376<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">56,633<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Cash, cash equivalents, and restricted cash and cash equivalents at beginning of year<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">341,832<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">255,456<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">198,823<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Cash, cash equivalents, and restricted cash and cash equivalents at end of year<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">359,336<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">341,832<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">255,456<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>Reconciliation of Non-GAAP Financial Measures for the Fourth Quarter and Full Fiscal Years 2026 and 2025<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">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 for\u00a04Q26,\u00a03Q26,\u00a04Q25, and the full fiscal years\u00a02026\u00a0and\u00a02025, (b) Non-GAAP earnings per diluted share (Non-GAAP EPS) for\u00a04Q26,\u00a04Q25, and the full fiscal years\u00a02026\u00a0and\u00a02025, (c) NRS\u2019 \u2018Rule of 40\u2019 score for\u00a04Q26, and (d) Non-GAAP adjusted net cash provided by operating activities for\u00a04Q26,\u00a04Q25, and the full fiscal years\u00a02026\u00a0and\u00a02025. These are Non-GAAP financial measures intended to provide useful information that supplements IDT\u2019s or the relevant segment\u2019s results in accordance with GAAP. The following explains these terms and their respective reconciliations to the most directly comparable GAAP measures.<\/p>\n<p align=\"justify\">Generally, a Non-GAAP measure is a numerical measure of a company\u2019s performance, financial position, or cash flows that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP.<\/p>\n<p align=\"justify\">IDT\u2019s measure of Adjusted EBITDA on a consolidated basis starts with net income attributable to IDT in accordance with GAAP \u00a0and adds severance expense, stock-based compensation, and other operating expenses, and deducts other operating gain and income tax benefits. \u00a0IDT&#8217;s measure of Adjusted EBITDA on a reporting segment basis starts with income from operations (segments) in accordance with GAAP and adds depreciation and amortization, severance expense, stock-based compensation, and other operating expenses, and deducts other operating income.<\/p>\n<p>IDT\u2019s measure of Non-GAAP EPS is calculated by dividing Non-GAAP net income by the diluted weighted-average shares. IDT\u2019s measure of Non-GAAP net income starts with net income attributable to IDT in accordance with GAAP and adds severance expense, stock-based compensation, and other operating expenses, and deducts other operating gains and income tax benefits. The income tax effect of these adjustments is then deducted or added, as applicable. These additions and subtractions are non-cash and\/or non-routine items in the relevant fiscal\u00a02026\u00a0and fiscal\u00a02025\u00a0periods.<\/p>\n<p align=\"justify\">Management believes that IDT\u2019s Adjusted EBITDA and Non-GAAP EPS 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 indicative of IDT\u2019s or the relevant segment\u2019s core operating results. Management uses Adjusted EBITDA, among other measures, as a relevant indicator of core operational strengths in its financial and operational decision making. In addition, management uses Adjusted EBITDA and Non-GAAP EPS to evaluate operating performance in relation to IDT\u2019s competitors. Disclosure of these financial measures may be useful to investors in evaluating performance and allow for greater transparency of the underlying supplemental information used by management in its financial and operational decision-making. In addition, IDT has historically reported similar financial measures and believes such measures are commonly used by readers of financial information in assessing performance. Therefore, the inclusion of comparative numbers provides consistency in financial reporting.<\/p>\n<p align=\"justify\">Management refers to Adjusted EBITDA, as well as the GAAP measures income (loss) from operations and net income, on a segment and\/or consolidated level to facilitate internal and external comparisons to the segments\u2019 and IDT\u2019s historical operating results, in making operating decisions, for budget and planning purposes, and to form the basis upon which management is compensated.<\/p>\n<p align=\"justify\">While depreciation and amortization are considered operating costs under GAAP, these expenses primarily represent the non-cash current period allocation of costs associated with long-lived assets acquired or capitalized in prior periods. IDT\u2019s Adjusted EBITDA, which is exclusive of depreciation and amortization, is a useful indicator of its current performance.<\/p>\n<p align=\"justify\">Severance expense is excluded from the calculation of Adjusted EBITDA and Non-GAAP EPS. Severance expense is reflective of decisions made by management in each period regarding the aspects of IDT\u2019s and its segments\u2019 businesses to be focused on in light of changing market realities and other factors. While there may be similar charges in other periods, the nature and magnitude of these charges can fluctuate markedly and do not reflect the performance of IDT\u2019s core and continuing operations.<\/p>\n<p align=\"justify\">Other operating expense, net, which is a component of income (loss) from operations, is excluded from the calculation of Adjusted EBITDA and Non-GAAP EPS. Other operating expense, net, primarily includes legal fees net of insurance claims related to Straight Path Communications Inc.\u2019s stockholders\u2019 class action and gains from the write-off of contingent consideration liabilities. From time to time, IDT may have gains or incur costs related to non-routine legal, tax, and other matters; however, these various items generally do not occur each quarter. IDT believes the gains and losses from these non-routine matters are not components of IDT\u2019s or the relevant segment\u2019s core operating results.<\/p>\n<p align=\"justify\">Stock-based compensation recognized by IDT and other companies may not be comparable because of the variety of types of awards as well as the various valuation methodologies and subjective assumptions that are permitted under GAAP. Stock-based compensation is excluded from IDT\u2019s calculation of Adjusted EBITDA and Non-GAAP EPS because management believes this allows investors to make more meaningful comparisons of the operating results per share of IDT\u2019s core business and operating segments with the results of other companies. However, stock-based compensation will continue to be a significant expense for IDT for the foreseeable future and an important part of employees\u2019 compensation that impacts their performance.<\/p>\n<p>In 4Q25, IDT decreased its deferred income tax valuation allowance due to profitability in the United Kingdom and recorded an income tax benefit of $3.3 million in the quarter and FY 2025. This income tax benefit was excluded from IDT\u2019s Non-GAAP EPS because it was not related to the results of IDT\u2019s core operations.<\/p>\n<p align=\"justify\">Adjusted EBITDA and Non-GAAP EPS should be considered in addition to, not as a substitute for, or superior to, income (loss) from operations, cash flow from operating activities, net income, basic and diluted earnings per share or other measures of liquidity and financial performance prepared in accordance with GAAP. In addition, IDT\u2019s measurements of Adjusted EBITDA and Non-GAAP EPS may not be comparable to similarly titled measures reported by other companies.<\/p>\n<p align=\"justify\">The \u2018Rule of 40\u2019 score is a metric used to evaluate the performance of SaaS providers. It postulates that a SaaS provider\u2019s revenue growth rate plus its EBITDA margin should equal or exceed 40 percent. The \u2018Rule of 40\u2019 is typically used to assess a company\u2019s balance between growth and profitability. A total of over 40 is thought to indicate a healthy combination of expansion and financial stability, making it a useful tool for management and investors to gauge the potential for long-term success and make informed decisions about resource allocation and business strategy.<\/p>\n<p align=\"justify\">NRS\u2019 \u2018Rule of 40\u2019 score is computed by adding (a) the growth rate of NRS&#8217; revenue for the current period compared to the corresponding year ago period to (b) the Adjusted EBITDA margin for the twelve-month period through the end of the current period. Adjusted EBITDA is a Non-GAAP measure as discussed above. Adjusted EBITDA margin is calculated by dividing Adjusted EBITDA by GAAP revenue for the relevant period.<\/p>\n<p align=\"justify\">In 3Q26 and prior quarters, NRS used recurring revenue to calculate the revenue growth rate. \u00a0Recurring revenue excluded revenue from the sale of NRS terminals. The revised definition using total revenue captures the impact of terminal sales and pricing decisions, providing a measure more closely aligned with NRS&#8217; underlying financial performance.<\/p>\n<p align=\"justify\">IDT\u2019s Non-GAAP adjusted measure of net cash provided by operating activities is calculated by excluding the impact of changes in customer deposits from net cash provided by operating activities. This measure provides a more meaningful measure of the cash generated by our core business operations, making it a more useful tool for management and investors to evaluate the cash generation of our business operations, and to compare IDT\u2019s cash generation with companies that do not have, or have different levels of, customer deposits. Customer deposits are, by regulation, not available to fund IDT\u2019s operating activities.<\/p>\n<p align=\"justify\">Following are reconciliations of Adjusted EBITDA and Non-GAAP EPS to the most directly comparable GAAP measure, which are, (a) for Adjusted EBITDA, (i) income (loss) from operations for IDT\u2019s reportable segments and (ii) net income for IDT on a consolidated basis, and (b) for Non-GAAP EPS, diluted earnings per share. Also following is NRS\u2019 \u2018Rule of 40\u2019 score computation including the reconciliation of Adjusted EBITDA to the most directly comparable GAAP measure, income from operations, and IDT\u2019s Non-GAAP adjusted measure of net cash provided by operating activities reconciled to GAAP net cash provided by operating activities.<\/p>\n<p>\n        <strong>IDT Corporation<\/strong><br \/>\n        <br \/>\n        <strong>Reconciliation of Net Income to Adjusted EBITDA for\u00a04Q26,\u00a03Q26, and\u00a04Q25<\/strong><br \/>\n        <br \/>\n        <em>(unaudited) in millions. Figures may not foot or cross-foot due to rounding<\/em>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Total IDT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Traditional<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporation<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Comm.<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>net2phone<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>NRS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Fintech<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporate<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:34%;width:34%;min-width:34%;vertical-align: bottom\">\n            <strong>Three Months Ended July 31, 2026<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Provision for income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">12.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">36.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1.7<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(1.6<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income (loss) from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">33.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(3.5<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance expense<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating expense (gain), net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">41.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">14.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(3.5<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Total IDT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Traditional<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporation<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Comm.<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>net2phone<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>NRS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Fintech<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporate<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:34%;width:34%;min-width:34%;vertical-align: bottom\">\n            <strong>Three Months Ended April 30, 2026<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">23.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Provision for income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">32.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1.6<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income (loss) from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">29.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(3.0<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance expense<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating (gains), net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">37.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">9.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(2.8<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Total IDT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Traditional<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporation<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Comm.<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>net2phone<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>NRS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Fintech<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporate<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:34%;width:34%;min-width:34%;vertical-align: bottom\">\n            <strong>Three Months Ended July 31, 2025<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Provision for income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1.8<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income (loss) from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(5.7<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance expense<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">33.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">17.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">9.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(2.5<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong>IDT Corporation<\/strong><br \/>\n        <br \/>\n        <strong>Reconciliation of Net Income to Adjusted EBITDA for FY\u00a02026\u00a0and FY\u00a02025<\/strong><br \/>\n        <br \/>\n        <em>(unaudited) in millions. Figures may not foot or cross-foot due to rounding<\/em>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Total IDT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Traditional<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporation<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Comm.<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>net2phone<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>NRS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Fintech<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporate<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:34%;width:34%;min-width:34%;vertical-align: bottom\">\n            <strong>For the Twelve Months Ended July 31, 2026<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">86.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">95.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Provision for income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">34.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">130.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(6.6<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(2.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income (loss) from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">121.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">63.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">39.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(12.1<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating expense (gain), net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.4<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">154.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">77.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">16.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">45.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">26.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(10.8<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Total IDT<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Traditional<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporation<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Comm.<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>net2phone<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>NRS<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Fintech<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Corporate<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:34%;width:34%;min-width:34%;vertical-align: bottom\">\n            <strong>For the Twelve Months Ended July 31, 2025<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:8%;width:8%;min-width:8%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">76.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to noncontrolling interests<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">81.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Provision for income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">24.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">105.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Interest income, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(6.1<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income (loss) from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">100.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">66.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">27.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(14.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">4.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">131.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">76.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">12.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">35.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">18.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(10.7<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong>IDT Corporation<\/strong><br \/>\n        <br \/>\n        <strong>Reconciliation of Earnings Per Share (EPS) to Non-GAAP EPS for\u00a04Q26,\u00a04Q25, FY\u00a02026\u00a0and FY\u00a02025<\/strong><br \/>\n        <br \/>\n        <em>(unaudited) in millions, except per share data. Figures may not foot due to rounding<\/em>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:44%;width:44%;min-width:44%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income attributable to IDT Corporation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">16.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">86.6<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">76.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjustments (add) subtract:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Income tax benefit<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1.8<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.4<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(10.5<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(3.1<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Severance expense<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.7<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(1.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Other operating expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(5.9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(6.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total adjustments<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2.7<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(3.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(12.1<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(7.0<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Income tax effect of total adjustments<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(0.9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(3.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(2.3<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total adjustments, net of tax<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.7<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Non-GAAP net income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">23.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">95.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">80.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Earnings per share:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Basic<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.87<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.67<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.47<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.02<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total adjustments, net of tax<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.07<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.09<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.36<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.18<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Non-GAAP &#8211; basic<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.95<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.76<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.82<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.20<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Weighted-average number of shares used in calculation of basic earnings per share<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">24.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Diluted<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.87<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.67<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.46<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.01<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total adjustments, net of tax<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.07<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.09<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.36<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.18<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Non-GAAP &#8211; diluted<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.94<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.76<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.82<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.19<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Weighted-average number of shares used in calculation of diluted earnings per share<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">24.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">25.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong>IDT Corporation<\/strong><br \/>\n        <br \/>\n        <strong>NRS<\/strong>\u2019 \u2018<strong>Rule of 40<\/strong>\u2019<strong> Score For\u00a04Q26<\/strong><br \/><em>(unaudited) in millions. Figures may not foot due to rounding to millions<\/em><\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Trailing Twelve<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Months (TTM)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>1Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>3Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:30%;width:30%;min-width:30%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Reconciliation of NRS\u2019 Income from Operations to Adjusted EBITDA<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income from operations<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>39.3<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Depreciation and amortization<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>4.8<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Stock-based compensation<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.2<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>1.3<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Severance expense<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>0.1<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other operating expense, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(0.0<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">0.5<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>0.4<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted EBITDA<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">10.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">11.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">9.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">14.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>45.8<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:72%;width:72%;min-width:72%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>NRS\u2019 \u2018Rule of 40\u2019 Score<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">NRS revenue<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">45.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">34.3<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Revenue growth rate<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>31<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">TTM Adjusted EBITDA from above<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">45.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">TTM total revenue<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">159.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">TTM Adjusted EBITDA margin<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>29<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">&#8216;Rule of 40&#8217;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">\n            <strong>60<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong>IDT Corporation<\/strong><br \/>\n        <br \/>\n        <strong>Adjusted net cash provided by operating activities for\u00a04Q26,\u00a04Q25, FY\u00a02026\u00a0and FY\u00a02025<\/strong><br \/>\n        <br \/>\n        <em>(unaudited) in millions. Figures may not foot due to rounding to millions<\/em>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"max-width:72%;width:72%;min-width:72%;vertical-align: bottom\">\n            <em>(in millions)<\/em>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\n            <em>Three months ended July 31,<\/em>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q26<\/strong>\n          <\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>4Q25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net cash provided by operating activities (GAAP)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">44.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">31.0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Changes in customer deposits<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(18.0<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted net cash provided by operating activities (Non-GAAP)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">26.4<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">37.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"max-width:72%;width:72%;min-width:72%;vertical-align: bottom\">\n            <em>(in millions)<\/em>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u200b<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\n            <em>Full year ended July 31,<\/em>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY26<\/strong>\n          <\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>FY25<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net cash provided by operating activities (GAAP)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">91.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">127.1<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Changes in customer deposits<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(30.1<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(19.2<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Adjusted net cash provided by operating activities (Non-GAAP)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">60.9<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">107.8<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p align=\"justify\">\n        <strong><br \/>\n          <u><br \/>\n            <br \/>\n          <\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">\n        <strong><br \/>\n          <u>Explanation of Key Performance Metrics<\/u><br \/>\n        <\/strong>\n      <\/p>\n<p align=\"justify\">net2phone\u2019s subscription revenue is calculated by subtracting net2phone\u2019s equipment revenue and revenue generated by a legacy SIP trunking offering in Brazil from its revenue in accordance with GAAP. net2phone\u2019s cloud communications and contact center offerings are priced on a per-seat basis, with customers paying based on the number of users in their organization. The number of seats served and subscription revenue trends and comparisons between periods are used in the analysis of net2phone\u2019s revenues and direct cost of revenues and are strong indications of the top-line growth and performance of the business.<\/p>\n<p align=\"justify\">Constant currency as it relates to revenue provides a framework for assessing net2phone\u2019s performance that excludes the effect of foreign currency rate fluctuations. To determine net2phone\u2019s subscription revenue growth on a constant currency basis, current period revenues from entities reporting in currencies other than U.S. Dollars (USD) were converted to USD at the average monthly exchange rates in effect during the prior fiscal year\u2019s comparative period instead of the average monthly exchange rates in effect during the current period.<\/p>\n<p align=\"justify\">NRS\u2019 average monthly network gross profit per location (average monthly GP per location) is calculated by dividing NRS\u2019 gross profit generated within its retailer network by the average number of locations with either an active POS terminal, or an active payment processing account, or both, during the period. The average number of retailer locations is calculated by adding locations at the beginning and end of the period and dividing by two. The result is divided by three when the period is a fiscal quarter, and by twelve when the period is a fiscal year. Average monthly GP per location is useful for comparisons of NRS\u2019 gross profit and gross profit per customer to prior periods and to competitors and others in the market, as well as for forecasting future revenue from the retailer customer base.<\/p>\n<p align=\"justify\">BOSS Money Transactions are a nonfinancial metric that measures customer usage during a reporting period. Average BOSS Money Revenue per Transaction measures the revenue productivity of BOSS Money\u2019s remittance business. It is calculated by dividing BOSS Money revenue during the period by the number of transactions. Average BOSS Money Revenue per Transaction is a key metric for evaluating the productivity and operational performance of the business.\u00a0<\/p>\n<p align=\"justify\">BOSS Money\u2019s Digital Send Volume is the aggregate amount of principal remitted by BOSS Money\u2019s digital customers \u2013 those using the BOSS Money and BOSS Revolution apps to originate remittances. BOSS Money&#8217;s Digital Send Volume is a key metric for evaluating the operational performance of the digital channel of the remittance business, and for comparing the performance of BOSS Money\u2019s digital channel to competitors in the remittance business as well as to performance to other temporal periods.<\/p>\n<p>      <img decoding=\"async\" alt=\"\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTgzNTM5MSM3ODY3NTk3IzIxODYyMjk=\" \/><br \/>\n      <br \/>\n      <img decoding=\"async\" alt=\"\" src=\"https:\/\/ml.globenewswire.com\/media\/NTcxMzYyYjMtMGYxZi00M2Y3LTk5MjUtMzhiZWQyYTkxM2VlLTExOTc3ODMtMjAyNi0wOS0yOC1lbg==\/tiny\/IDT-Corporation.png\" \/>\n    <\/div>\n<div class=\"mw_contactinfo\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Record fourth quarter Gross Profit +18%; Income from Operations +52%; Adjusted EBITDA * \u00a0+22% FY 2026 Income from Operations of $121M (+21%); Adjusted EBITDA of $155M (+17%) NEWARK, N.J., Sept. 28, 2026 (GLOBE NEWSWIRE) &#8212; \u00a0IDT Corporation (NYSE: IDT), a global provider of fintech, communications, and AI-powered customer experience solutions, today reported results for its\u00a0fourth\u00a0quarter and full fiscal year\u00a02026, the three and twelve months ended\u00a0July 31, 2026. 4Q26\u00a0HIGHLIGHTS ** Consolidated Results Revenue: +7% to $339.0 million; Gross profit \/ margin: +18% to $134.8 million \/ +360 bps to 39.8%; Income from operations: +52% to $33.2 million; Net income attributable to IDT: +29% to $21.7 million; GAAP EPS: Increased to $0.87 from $0.67; Non-GAAP EPS: Increased to $0.94 from $0.76; Adjusted &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1006432","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/","og_locale":"en_US","og_type":"article","og_title":"IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results - Market Newsdesk","og_description":"Record fourth quarter Gross Profit +18%; Income from Operations +52%; Adjusted EBITDA * \u00a0+22% FY 2026 Income from Operations of $121M (+21%); Adjusted EBITDA of $155M (+17%) NEWARK, N.J., Sept. 28, 2026 (GLOBE NEWSWIRE) &#8212; \u00a0IDT Corporation (NYSE: IDT), a global provider of fintech, communications, and AI-powered customer experience solutions, today reported results for its\u00a0fourth\u00a0quarter and full fiscal year\u00a02026, the three and twelve months ended\u00a0July 31, 2026. 4Q26\u00a0HIGHLIGHTS ** Consolidated Results Revenue: +7% to $339.0 million; Gross profit \/ margin: +18% to $134.8 million \/ +360 bps to 39.8%; Income from operations: +52% to $33.2 million; Net income attributable to IDT: +29% to $21.7 million; GAAP EPS: Increased to $0.87 from $0.67; Non-GAAP EPS: Increased to $0.94 from $0.76; Adjusted &hellip; Continue reading \"IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/","og_site_name":"Market Newsdesk","article_published_time":"2026-09-28T20:39:34+00:00","og_image":[{"url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTgzNTM5MSM3ODY3NTk3IzIxODYyMjk=","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"29 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results","datePublished":"2026-09-28T20:39:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/"},"wordCount":5750,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/#primaryimage"},"thumbnailUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTgzNTM5MSM3ODY3NTk3IzIxODYyMjk=","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/idt-corporation-reports-record-fourth-quarter-and-fiscal-year-2026-results\/","name":"IDT Corporation Reports Record Fourth Quarter and Fiscal Year 2026 Results - 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