92/100
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four hundred thirty-two and ninety-eight hundredths.
432.98 = four hundred thirty two and ninety eight hundredths.
2.96 in word form is 'Two point nine six'. NOT 'two point ninety six'. Reason. The nine is a tenth not a multiple of ten. and six is a hundredth, not a unit.
7.92
4.25 is a fraction. It is a fraction in decimal form rather than in the form of a ratio. However, that does not stop it being a fraction. In word form it is four and twenty five hundredths.