olivLaw · US equity research
IDT Corporation IDT
Telephone Communications (No Radiotelephone) · SIC 4813 · Vertical: Telephone Communications (No Radiotelephone) (SIC 4813)
IDT is a provider of fintech and communications solutions focused on under-served consumer and B2B markets, with NRS, BOSS Money and net2phone among its key businesses. For fiscal 2026 the company reported revenue of 1298.0 million USD, and its higher-margin growth segments, NRS, Fintech and net2phone, are becoming more important to results.
At the close of 04 Nov 2026, IDT Corporation (IDT) stock was 83.99 USD (+3.47% on the day), with P/E 24.3 on diluted EPS of 3.46 USD over the last 12 months, dividend yield 0.31%, beta 0.57, 52-week range 47.25–84.46 USD. Latest reported quarter (Q4 2026): revenue of 339.0 m USD (+7.1% YoY), net income of 21.7 m USD (+28.6% YoY), diluted EPS 0.87 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 63.9
- strong (55–70)
- Bollinger (20, 2)
- 79.92 – 84.17
- in the upper half of the band · %B 0.96 · band width 5.2%
- SMA 50 / 200
- 75.66 / 59.91
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 1.83 / 2.24
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +4.9% | −1.1% | +6.0 pp | — |
| 3 months | +27.2% | −0.5% | +27.7 pp | — |
| 6 months | +59.6% | +4.4% | +55.3 pp | — |
| Year to date | +64.0% | +12.3% | +51.7 pp | — |
| 1 year | +65.9% | +13.5% | +52.3 pp | −14.4% |
| 3 years | +190.3% | +76.4% | +113.9 pp | +3.2% |
| 5 years | +48.6% | +63.7% | −15.1 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q4 2026 · 31 Jul 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 309.6 m | 303.3 m | 302.0 m | 316.6 m | 322.8 m | 320.5 m | 315.7 m | 339.0 m |
| Cost of revenue | 201.9 m | 191.2 m | 190.0 m | 202.1 m | 204.6 m | 199.2 m | 193.2 m | 204.2 m |
| Gross profit | 107.6 m | 112.1 m | 112.0 m | 114.5 m | 118.2 m | 121.3 m | 122.5 m | 134.8 m |
| Research & development | 12.8 m | 12.6 m | 12.7 m | 12.8 m | 13.6 m | 14.1 m | 13.9 m | 14.0 m |
| SG&A | 71.1 m | 70.7 m | 72.3 m | 73.5 m | 74.0 m | 78.8 m | 78.8 m | 86.7 m |
| Operating income | 23.6 m | 28.3 m | 26.6 m | 21.9 m | 30.9 m | 27.2 m | 29.8 m | 33.2 m |
| Depreciation & amortisation | 5.2 m | 5.2 m | 5.2 m | 5.3 m | 5.3 m | 5.4 m | 5.4 m | 5.3 m |
| Pre-tax income | 24.8 m | 29.9 m | 30.8 m | 20.4 m | 32.2 m | 29.1 m | 32.3 m | 36.5 m |
| Income tax | 6.3 m | 7.7 m | 7.8 m | 2.9 m | 8.1 m | 6.2 m | 8.5 m | 12.1 m |
| Net income | 17.2 m | 20.3 m | 21.7 m | 16.9 m | 22.4 m | 20.9 m | 21.6 m | 21.7 m |
| Diluted EPS | 0.68 | 0.80 | 0.86 | 0.67 ≈ | 0.89 | 0.84 | 0.87 | 0.87 ≈ |
| Operating cash flow | 164.0 k | 20.2 m ≈ | 75.7 m ≈ | 31.0 m | -10.1 m | 38.3 m ≈ | 18.5 m ≈ | 44.4 m |
| Capex | 5.3 m | 4.8 m ≈ | 5.4 m ≈ | 5.3 m | 5.8 m | 6.1 m ≈ | 5.1 m ≈ | 6.0 m |
| Dividends paid | 1.3 m | 1.3 m ≈ | 1.5 m ≈ | 1.5 m | 1.5 m | 1.5 m ≈ | 1.7 m ≈ | 1.7 m |
| Share repurchases | 2.4 m | 9.0 m ≈ | 6.4 m ≈ | 0 | 7.6 m | 7.4 m ≈ | — | — |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 72 percentile of its own 36-quarter history (min 7.9, median 15.8, max 227.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.4 bn | 1.3 bn | 1.4 bn | 1.4 bn | 1.2 bn | 1.2 bn | 1.2 bn | 1.3 bn |
| Revenue YoY | −8.9% | −4.5% | +7.5% | −5.7% | −9.2% | −2.7% | +2.1% | +5.4% |
| Net income | 134.0 k | 21.4 m | 96.5 m | 27.0 m | 40.5 m | 64.5 m | 76.1 m | 86.6 m |
| Net income YoY | −96.8% | +15,892.5% | +350.2% | −72.0% | +49.8% | +59.2% | +18.1% | +13.8% |
| Diluted EPS | 0.01 | 0.81 | 3.70 | 1.03 | 1.58 | 2.54 | 3.01 | 3.46 |
| Diluted EPS YoY | −94.1% | +8,000.0% | +356.8% | −72.2% | +53.4% | +60.8% | +18.5% | +15.0% |
| net % | 0.0% | 1.6% | 6.7% | 2.0% | 3.3% | 5.3% | 6.2% | 6.7% |
| Free cash flow | 66.5 m | -45.6 m | 49.9 m | 7.5 m | 30.4 m | 59.3 m | 106.3 m | 68.0 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2026 · 31 Jul 2026
- Cash
- 220.7 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 396.1 m USD
- Total assets
- 764.3 m USD
- Debt / equity
- unavailable
- Current ratio
- 1.86x
- ROE
- 24.2%
- ROA
- 12.5%
- FCF margin
- 5.2%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 1.4 bn | 1.4 bn | 1.2 bn | 1.2 bn | 1.2 bn | 1.3 bn | SEC (XBRL)· 29 Sept 2026verified |
| Cost of revenue | — | 1.0 bn | 881.6 m | 815.6 m | 785.3 m | 801.2 m | SEC (XBRL)· 29 Sept 2026verified |
| Gross profit | — | 325.0 m | 357.2 m | 390.2 m | 446.2 m | 496.8 m | SEC (XBRL)· 29 Sept 2026verified |
| Research & development | — | 47.0 m | 48.0 m | 50.6 m | 51.0 m | 55.7 m | SEC (XBRL)· 29 Sept 2026verified |
| SG&A | 218.5 m | 216.9 m | 243.2 m | 270.2 m | 287.6 m | 318.3 m | SEC (XBRL)· 29 Sept 2026verified |
| Operating income | 57.0 m | 60.1 m | 60.7 m | 64.8 m | 100.4 m | 121.2 m | SEC (XBRL)· 29 Sept 2026verified |
| Depreciation & amortisation | 17.8 m | 18.1 m | 20.1 m | 20.4 m | 21.0 m | 21.4 m | SEC (XBRL)· 29 Sept 2026verified |
| EBITDA | 74.8 m ≈ | 78.2 m ≈ | 80.9 m ≈ | 85.1 m ≈ | 121.4 m ≈ | 142.6 m ≈ | SEC (XBRL)· 29 Sept 2026derived |
| Pre-tax income | 65.2 m | 34.9 m | 60.8 m | 61.9 m | 105.8 m | 130.0 m | SEC (XBRL)· 29 Sept 2026verified |
| Income tax | -31.7 m | 5.9 m | 16.4 m | -6.4 m | 24.7 m | 34.9 m | SEC (XBRL)· 29 Sept 2026verified |
| Net income | 96.5 m | 27.0 m | 40.5 m | 64.5 m | 76.1 m | 86.6 m | SEC (XBRL)· 29 Sept 2026verified |
| Diluted EPS | 3.70 | 1.03 | 1.58 | 2.54 | 3.01 | 3.46 | SEC (XBRL)· 29 Sept 2026verified |
| Weighted average diluted shares | 26.1 m | 26.4 m | 25.6 m | 25.4 m | 25.3 m | 25.0 m | SEC (XBRL)· 29 Sept 2026verified |
| Dividend per share | — | — | — | 0.10 | 0.22 | 0.26 | SEC (XBRL)· 29 Sept 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 107.1 m | 98.4 m | 103.6 m | 164.6 m | 226.5 m | 220.7 m | SEC (XBRL)· 29 Sept 2026verified |
| Receivables | — | — | — | 42.2 m | 44.9 m | 60.8 m | SEC (XBRL)· 29 Sept 2026verified |
| Current assets | 388.1 m | 362.6 m | 387.1 m | 422.5 m | 520.3 m | 655.4 m | SEC (XBRL)· 29 Sept 2026verified |
| Property, plant & equipment, net | 30.8 m | 36.9 m | 38.7 m | 38.7 m | 38.9 m | 41.9 m | SEC (XBRL)· 29 Sept 2026verified |
| Goodwill | 14.9 m | 26.4 m | 26.5 m | 26.3 m | 26.5 m | 26.5 m | SEC (XBRL)· 29 Sept 2026verified |
| Intangibles (excl. goodwill) | 7.6 m | 9.6 m | 8.2 m | 6.3 m | 5.1 m | 8.8 m | SEC (XBRL)· 29 Sept 2026verified |
| Total assets | 512.7 m | 497.1 m | 510.8 m | 550.1 m | 626.2 m | 764.3 m | SEC (XBRL)· 29 Sept 2026verified |
| Accounts payable | 24.5 m | 28.5 m | 22.2 m | 24.8 m | 19.4 m | 18.6 m | SEC (XBRL)· 29 Sept 2026verified |
| Current liabilities | 339.3 m | 305.1 m | 294.1 m | 279.3 m | 293.0 m | 351.9 m | SEC (XBRL)· 29 Sept 2026verified |
| Total liabilities | 346.0 m | 316.3 m | 300.3 m | 283.5 m | 295.8 m | 356.3 m | SEC (XBRL)· 29 Sept 2026verified |
| Equity | 166.6 m | 170.6 m | 200.0 m | 255.7 m | 319.0 m | 396.1 m | SEC (XBRL)· 29 Sept 2026verified |
Cash flow · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 66.6 m | 29.4 m | 52.4 m | 78.2 m | 127.1 m | 91.1 m | SEC (XBRL)· 29 Sept 2026verified |
| Capex | 16.8 m | 21.9 m | 22.0 m | 18.9 m | 20.8 m | 23.1 m | SEC (XBRL)· 29 Sept 2026verified |
| Free cash flow | 49.9 m ≈ | 7.5 m ≈ | 30.4 m ≈ | 59.3 m ≈ | 106.3 m ≈ | 68.0 m ≈ | SEC (XBRL)· 29 Sept 2026derived |
| Investing cash flow | -44.1 m | -33.8 m | -33.5 m | -748.0 k | -20.7 m | -47.7 m | SEC (XBRL)· 29 Sept 2026verified |
| Financing cash flow | -4.5 m | -15.6 m | -14.1 m | -17.2 m | -23.4 m | -30.6 m | SEC (XBRL)· 29 Sept 2026verified |
| Dividends paid | — | — | — | 2.5 m | 5.6 m | 6.5 m | SEC (XBRL)· 29 Sept 2026verified |
| Share repurchases | 4.2 m | 26.2 m | 13.9 m | 10.6 m | 17.8 m | — | SEC (XBRL)· 29 Sept 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- score weight coverage: 47.9% of at least 60%
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: unavailable
Key indicators
Coverage and freshness
Score by group
48% · Insufficient data
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 16.14 – 40.75 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · input data missing
- Peers: EV/EBITDAunavailable · net debt missing: EV cannot be bridged to equity (missing debt is not zero)
- Peers: P/E16.14 – 40.75 (Mid 40.15)6 companies used · median multiple 11.6x · quartiles 4.7x – 11.8xATEX, ATNI, T, TDS, UNIT, VZ
- Dividend discount (DDM)outside the aggregate3.42 – 4.59 (Mid 3.92)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: score weight coverage: 47.9% of at least 60%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | 6.7% | 50 (vs peers) | 13% |
| FCF conversion · Quality | 78.4% | 69 (on a fixed band) | 13% |
| Revenue CAGR 3Y · Growth | 1.6% | 13 (on a fixed band) | 17% |
| EPS CAGR 3Y · Growth | 29.9% | 100 (on a fixed band) | 17% |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | 1.9x | 89 (on a fixed band) | 9% |
| P/E (TTM) · Valuation | 24.3x | 25 (vs peers) | 22% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | 9.6% | 100 (on a fixed band) | 9% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial89/100 · 1/3 factors with a value
- Growth57/100 · 2/2 factors with a value
- Quality60/100 · 2/3 factors with a value
- Returns· partial100/100 · 1/2 factors with a value
- Valuation· partial25/100 · 1/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
IDT Corporation (IDT). Latest full fiscal year: 2026; data up to 2026-07-31.
Figures computed from the financial statements: revenue 1.3 bn USD in 2026; YoY growth 5.4%; net margin 6.7%; ROE 25.4%.
The estimated value range is 16.14–40.75 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 40.15 USD, the price of 83.99 USD leaves a potential of -52.2% (value / price − 1) and a margin of safety of -109.2% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
Insufficient data for a verdict (score weight coverage: 47.9% of at least 60%).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- EPS CAGR 3Y: 29.9%
- Current ratio: 1.9x
- Payout ratio (FCF): 9.6%
What contradicts it
- Revenue CAGR 3Y: 1.6%
- P/E (TTM): 24.3x
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): ROIC, Net debt / EBITDA, Interest coverage, EV/EBITDA, FCF yield, Shareholder yield (distributions).
Versus the vertical median
Telephone Communications (No Radiotelephone) (SIC 4813) · same industry (4-digit SIC) · compared with 20 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AMXAmerica Movil Sab De Cv | 1,508.4 bn | 1,107.5 | 6.8% | 3.2% | −11.2% | +8% / +38% |
| VZVerizon Communications Inc. | 191.4 bn | 11.8 | 15.4% | 11.8% | +2.5% | +12% / +20% |
| TAt&T Inc. | 147.1 bn | 11.8 | 10.5% | 10.2% | +2.7% | −16% / +32% |
| LUMNLumen Technologies, Inc. | 4.6 bn | — | — | -5.8% | −5.4% | −45% / +241% |
| TDSTelephone And Data Systems, Inc. | 4.1 bn | 11.4 | 8.2% | 33.2% | −5.3% | −11% / +83% |
| ATEXAnterix Inc. | 1.5 bn | 22.2 | 27.9% | 933.0% | +7.8% | +278% / +138% |
| UNITUniti Group Inc. | 1.3 bn | 1.7 | 666.9% | 30.4% | +91.5% | −14% / −41% |
| SHENShenandoah Telecommunications Company | 575.2 m | — | -4.4% | -10.2% | +9.1% | −5% / −53% |
| ATNIAtn International, Inc. | 397.3 m | 2.4 | 32.2% | 23.2% | −0.2% | +22% / −15% |
| CXDOCrexendo, Inc. | 174.7 m | 43.6 | 5.6% | 4.5% | +12.0% | −25% / +78% |
| NXPLNextPlat Corp | 21.8 m | — | -43.1% | -17.8% | −17.8% | +34% / −47% |
| IQSTIQSTEL Inc. | 9.0 m | — | -56.0% | -2.2% | +11.9% | −80% / −94% |
| SURGSurgepays, Inc. | 8.2 m | — | — | -47.9% | −6.4% | −92% / −98% |
| CTGGQwest Corp | 0 | — | -15.8% | -40.1% | −13.8% | unavailable / unavailable |
| TIMBTim S.A. | — | — | 17.1% | 16.2% | +4.6% | −22% / +3% |
| TEOTelecom Argentina SA | — | — | -2.4% | -2.0% | +53.0% | −17% / +26% |
| BCEBce Inc. | — | — | 32.5% | 26.6% | +0.2% | −10% / −46% |
| PHIPLDT Inc. | — | — | 29.3% | 14.9% | +2.8% | −19% / −22% |
| KTKT Corporation | — | — | 2.8% | 1.7% | +0.4% | +1% / +41% |
| IDTIDT Corporation | — | 24.3 | 25.4% | 6.7% | +5.4% | +66% / +190% |
| TKCTurkcell Iletisim Hizmetleri A S | — | — | 10.8% | 11.7% | +14.6% | −15% / −5% |
1- and 3-year price returns: for IDT from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
IDT is a provider of fintech and communications solutions focused on under-served consumer and B2B markets, with NRS, BOSS Money and net2phone among its key businesses. For fiscal 2026 the company reported revenue of 1298.0 million USD, and its higher-margin growth segments, NRS, Fintech and net2phone, are becoming more important to results.
SWOT
Strengths
- The company has a recurring revenue base in NRS and a broad terminal network in independent stores 1. Growth in higher-margin segments and a debt-free balance sheet are strengths 2.
- BOSS Money digital channels have grown quickly and make up most of transaction volume 2.
- Technology infrastructure and experience in VoIP, cloud and AI can support new product launches 1.
Weaknesses
Opportunities
Risks
- AI adoptionmedium
Integrating AI into products and operations is complex, and customer adoption remains uncertain 1. If offerings do not gain traction, the investment could go unrecovered.
- Concentration on immigrant populationshigh
Several activities depend on immigrant communities in the United States, and policy changes could affect foot traffic and demand 1.
- Regulatory and fraud riskshigh
Money transfers are exposed to complex regulation and illicit use, which could lead to fines or restrictions 1.
- Dependence on third-party providersmedium
The company relies on a small group of suppliers and external cloud services, and their disruptions could affect customers 1.
- Control by the chairmanlow
The Chairman controls most of the combined voting power, which limits influence for Class B shareholders 1.
Investment thesis
What would need to be true (bull case)
- If NRS, Fintech and net2phone keep growing faster than the traditional segment, margins could keep improving 2.
- Growth in BOSS Money digital channels and expansion into financial services could create new revenue sources 2.
- The company reports a debt-free balance sheet, which gives it strategic flexibility 2.
What would break the thesis
What to watch
- Trend in active NRS terminals and churnnext 10-K
- Reaching the net2phone ARR milestoneQ1 2027
- Growth rate of the BOSS Money digital channelQ1 2027
- Revenue trend in Traditional Communications2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
IDT operates four reportable segments: NRS, Fintech, net2phone and Traditional Communications. NRS runs a POS terminal network for independent retailers in the United States and Canada, and most of its revenue is recurring 1. Fintech includes BOSS Money, an international and domestic money transfer service that relies largely on its digital channel 12. net2phone offers communications and workflow solutions with AI components, while Traditional Communications combines IDT Digital Payments, BOSS Revolution and IDT Global 1.
Segments
NRS (National Retail Solutions)
NRS generated 159.4 million USD of revenue in fiscal 2026, and its network reached about 40,400 active terminals 1. Most revenue comes from payment processing and software subscriptions, while the active network grew from about 37,200 terminals 1. The company said elevated churn in fiscal 2026 slowed net terminal additions 1.
Market context
The main NRS market is fragmented, with owners usually running a single store, so providers must win retailers one at a time 1. Retailer results depend on general economic conditions, and in some localized markets immigration enforcement activity affected foot traffic 1. For BOSS Money the market includes people sending money to family abroad, and IDT states it reaches about 50 destination countries 1.
Trends
- Artificial intelligencemixed
IDT is embedding AI in products and internal operations, which could open new customer offerings if adoption remains strong 1. However, AI regulation and risks could raise compliance costs 1.
- Digitalization of remittancestailwind
The BOSS Money digital channel grew strongly in fiscal 2026, suggesting a shift from agent networks toward apps 12. This trend could support growth if customers keep moving to digital channels.
- Regulation and oversight of money flowsheadwind
The regulatory environment for money transfers is complex and changing, which can raise compliance costs and limit expansion 1. Fraud and illicit-use risks remain relevant.
- Changes in immigrant communitiesmixed
Changes in immigrant populations could affect demand across several segments, from transfers to international calling 1. The effect is uneven and depends on local policies.
Competitive position
In NRS, competition in the POS industry is intense, and in net2phone IDT faces well-financed voice communication providers that may offer comparable services at similar or lower prices 1. In money transfers and international calling, IDT has less brand recognition than larger players 1.
- POS providers for independent retailers
Competitors in the NRS segment, which the company describes as a highly competitive market 1.
- Well-financed voice communication providers
Alternative voice communication providers that net2phone must differentiate from 1.
- Money transfer providers
Larger players with stronger brand recognition in remittances 1.
- Low-rate international calling providers
Competitors to BOSS Revolution, where demand and prices can decline 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Proxy statement23 Oct 2026
- Annual report29 Sept 2026
- Current report28 Sept 2026Results of operations · Financial statements and exhibits
- Current report24 Sept 2026Regulation FD disclosure · Other events · Financial statements and exhibits
- Current report18 Aug 2026Material agreement · Financial statements and exhibits
- Current report11 Jun 2026Departure or appointment of officers · Financial statements and exhibits
- Quarterly report09 Jun 2026
- Current report03 Jun 2026Results of operations · Financial statements and exhibits
- Current report29 May 2026Regulation FD disclosure · Other events · Financial statements and exhibits
- Quarterly report12 Mar 2026
Sources
- [1] Form 10-K, fiscal year ended 2026-07-31 · SEC / IDT Corporation · 29 Sept 2026
- [2] Form 8-K, results release (exhibit 99.1) · SEC / IDT Corporation · 28 Sept 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.