Q4:

▫️Revenues -8%

*NRS +4%

*net2phone +19%

*Fintech +33%

*Traditional -13%

▫️Adj. EBITDA -25%

*NRS -66%

*net2phone +325%

*Fintech +7%

*Traditional -9%

▫️net income -54%

▫️accelerated stock repurchases

NRS Highlights

▫️Record high new POS terminals of 1.744 in Q4

▫️Record high new payment accounts of 1.661 in Q4

▫️Recurring revenue with merchant services +79%

▫️Recurring revenue with SaaS Fees +44%

▫️Advertising & Data -40%, but back in growth mode with +7% qoq

▫️Merchant services + SaaS now account for 67% of recurring revenue which are not dependent of the ad market

FY 2023 results

▫️Revenues -9%

*NRS +50%

*net2phone +24%

*Fintech +34%

*Traditional -16%

▫️Adj. EBITDA +9%

*NRS +38%

*Net2phone +3 million (vs. -6.1)

*Fintech -1.8 million (vs. -4.6)

*Traditional -9%

▫️Net income +50%

▫️EPS +53%