IDT Corporation reported solid year-over-year gains in its third quarter fiscal 2025, with revenue growth and expansion in each business segment. Notable increases include a 133% rise in consolidated income from operations, a 57% increase in adjusted EBITDA, and a 290% jump in EPS. The company highlights its focus on developing new offerings leveraging the NRS platform to enable retailers to better compete with large chains, including integrating with online ordering and delivery platforms. Boss Money saw a 27% increase in transactions and a 25% revenue increase, while the FinTech segment generated over $5 million in adjusted EBITDA. Netw continues to show steady progress with balanced growth in the US, Brazil, and Mexico.

IDT Corporation reports robust Q3 2025 financial results, highlighting a 15% EBITDA margin, successful AI agent deployment, and significant revenue and profit growth across multiple segments. The company attributes its strong performance to operational leverage in high-growth businesses and resilient contributions from traditional communications segments, positioning it well for pursuing exciting new growth initiatives.

IDT Corporation reported a significant increase in cash, cash equivalents, and current investments, rising to $224 million from $171 million. This increase was largely attributed to the company's weekly working capital cycle, affecting cash flow dynamics across weekends and fiscal quarter ends. Additionally, the company discussed its capital allocation actions, including the purchase of $6 million in employee-owned shares to satisfy tax obligations. Confirming guidance for the full fiscal year 2025, IDT expects to double its first-half adjusted EBITDA from $60 million to $126 million, remaining on track to meet this target. The company is currently in the process of budgeting for fiscal 2026, with guidance to be provided in late September during the fourth-quarter earnings call.

The discussion covers IDT Corporation's Q2 2025 performance, highlighting record terminal revenue and pay account numbers. It explores the company's go-to-market strategy, leveraging agents and third-party distributors, and the impact of increased sales staff. Additionally, insights are shared on the AI agent's customer base, ranging from call centers to doctor's offices, and the beta program for earnings for store owners. The conversation also touches on recent acquisitions and the company's capital allocation strategy, including share repurchase and potential dividends.

The company discusses its strategy of investing in house clocks as a capital allocation method, alongside protecting cash for business growth and acquisitions. Given the attractive NMA environment, various opportunities are being explored for value creation through private cash, including growth and M&A. Share repurchases are conducted using excess cash, not borrowed funds, ensuring financial prudence.

The discussion highlights the company's strong growth and revenue in the recent quarter, addressing concerns about the pace of POS terminal additions and payment processing accounts. It also delves into the integration of food delivery services with the point of sale system, explaining how orders are managed, processed, and priced differently based on delivery or pickup.

The company experienced significant growth in digital remittances, leading to efforts in profit maximization per transaction across both retail and digital channels. Strategies include optimizing pricing for larger transaction volumes, testing different approaches in various regions, and exploring new technologies like stablecoin transfers and Visa card integration to boost profitability and improve user experience without hindering growth or retention.

Following the significant reduction in sales to a major programmatic cloud partner, the company observes improving numbers this quarter attributed to other partners. Although the total gap hasn't been filled yet, there's optimism for recovery by the fourth quarter. Direct sales expansion is also underway, while the impact of the reduced sales to the mentioned partner on total advertising revenue has dropped from over 20% to around 5%. Excluding this partner, advertising revenues have shown promising growth.

The discussion highlights the company's focus on launching AI agents and a coach product, aiming for substantial accretion in EBITDA margins over time. Despite initial costs and low implementation fees, the strategy is to subsidize product launches to gain scale, expecting increased usage and profitability as the customer base expands. Additionally, the company is considering increasing investments to capture more customers in the digital channel, targeting the white space left by legacy players. The emphasis is shifting towards revenue, gross profit, and bottom-line profitability for the NetPhone business, with a continued focus on attractive IRRs for customer acquisitions and the scaling of fixed costs in steady state.

The dialogue concludes a corporate presentation, reminding attendees to disconnect after confirming no further questions, specifying the current date as June 06, 2025.