| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 50 | 23.6x | 17.3x | Around median | |
Growth | 41 | 5.4% | 7.1% | Around median | |
Quality | 77 | 25.1% | 4.5% | Top tier | |
Safety | 86 | — | 2.6x | Top tier | |
Capital Return | 56 | 0.32% | 0.06% | Around median | |
Momentum | 99 | 41.4% | -1.6% | Top tier | |
Sentiment | 19 | 1 | 3 | Bottom tier |
The floor: what the company is worth if growth stopped today
31% of today's price is what a buyer pays for growth that has not happened yet.
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
IDT Corporation combines traditional telecommunications with three growth businesses: merchant services, point of sale, and advertising through NRS; money transfers and financial services through BOSS Money; and cloud communications for businesses through net2phone. The company generates revenue from telecommunications, payments, money transfers, subscriptions, merchant services, advertising, and data services. In fiscal year 2026 ended 2026-07-31, NRS, fintech, and net2phone generated approximately one-third of revenue but contributed 53% of adjusted earnings before interest, taxes, depreciation, and amortization before corporate expenses, compared with 46% in fiscal year 2025; this shift in the business mix is central to the evolution of IDT's profitability.
In quarter 4 of fiscal year 2026 ended 2026-07-31, revenue according to EL7 data was approximately $339.0 million, net income was $21.7 million, and diluted earnings per share were $0.87. No reliable comparison of year-over-year revenue growth or reliable gross or operating margin is available for this quarter. Across the businesses, NRS revenue rose 31% compared with the same quarter of the previous fiscal year, while BOSS Money accounted for 90% of fintech segment revenue, and net2phone ended the period with a base of 447000 seats.
Net income in fiscal year 2026 ended 2026-07-31 was approximately $86.6 million, compared with $76.1 million in fiscal year 2025. According to EL7 data, operating cash flow for the last 12 months through 2026-07-31 was approximately $91.1 million, equivalent to 105% of net income for the same period. Free cash flow as calculated by EL7 (operating cash flow minus capital expenditures) for the last 12 months through 2026-07-31 was approximately $68.0 million, supporting the company's ability to fund the expansion of its businesses.
Q4 FY2026
Last 12 months to 2026-07-31
When: Fiscal year 2027
Adjusted earnings before interest, taxes, depreciation, and amortization at the minimum target of $176 million
NRS revenue growth at the minimum target of 20% compared with the previous fiscal year
The no-growth value is $55, measuring the value of current after-tax operating profit if it remains constant forever, while the discounted cash flow model yields $54 within a range of $46 to $66, based on the cash expected to be generated. The industry-multiple value is $41 within a range of $24 to $103, using next year's earnings and a median multiple of 10.2 across 31 companies. The discounted cash flow model and no-growth value are close, while the industry-multiple value is lower than both, because pricing earnings in line with peer companies differs from valuing future cash flows and constant profit. The discounted cash flow and no-growth models use a discount rate of 8.7% and are based on a U.S. 10-year Treasury yield of 5.10% as of 2026-10-15; the discounted cash flow model tends to be conservative, while analyst targets tend toward optimism and pricing in expected growth. The analyst consensus is Buy, but no numerical target is available for comparison with these values.
Figures in the text are as of 2026-10-19; the live price is shown at the top of the page.
IDT combines traditional telecommunications with merchant services through NRS, money transfers and financial services through BOSS Money, and cloud communications through net2phone. In fiscal year 2026 ended 2026-07-31, the three growth businesses generated approximately one-third of revenue but contributed 53% of adjusted earnings before interest, taxes, depreciation, and amortization before corporate expenses. Their contribution was 46% in fiscal year 2025, demonstrating that their share of profitability exceeds their share of revenue.
Operating cash flow according to EL7 data was approximately $91.1 million for the last 12 months through 2026-07-31, compared with net income of $86.6 million for the same period. The earnings conversion ratio into operating cash flow was 105% during that period. In quarter 4 of fiscal year 2026 ended 2026-07-31, cash and short-term investments according to EL7 data were approximately $220.7 million against debt of $817000, providing flexibility to fund the development of NRS, BOSS Money, and net2phone.
Automated analysis for informational purposes only — not investment advice.
Digital channels accounted for 88% of BOSS Money transactions in quarter 4 of fiscal year 2026 ended 2026-07-31. During the same period, transactions through these channels grew 20% and their revenue grew 22% compared with the same quarter of the previous fiscal year, while retail agent channel revenue declined 17%. Management stated that customers' transition to digital channels produces more profitable transactions and added transfers through WhatsApp and a U.S. digital wallet to the range of services.
NRS adjusted earnings before interest, taxes, depreciation, and amortization rose 47% in quarter 4 of fiscal year 2026 ended 2026-07-31 compared with the same quarter of the previous fiscal year. However, the quarter benefited from a one-time tariff refund, while the operating income comparison was also affected by nonrecurring legal expenses in the corresponding period. On the 2026-09-28 call, management targeted NRS revenue growth of between 20% and 25% in fiscal year 2027, with increased investment in sales and a focus on higher-volume stores.
The earnings announcement date used is 2026-12-03, which is an expected date. Management targets adjusted earnings before interest, taxes, depreciation, and amortization of between $176 million and $180 million in fiscal year 2027, with growth in the contribution of all segments. Particular attention should be paid to continued growth in BOSS Money and NRS and the ability of traditional telecommunications to offset declines, while net2phone reinvests part of its earnings growth in artificial intelligence.