DELUXE CORP (DLX) Stock Fundamental Analysis
NYSE:DLX • US2480191012
27.26 USD
-0.06 (-0.22%)
Last: Feb 19, 2026, 12:13 PM
We assign a fundamental rating of 5 out of 10 to DLX. DLX was compared to 80 industry peers in the Commercial Services & Supplies industry. DLX scores excellent on profitability, but there are concerns on its financial health. DLX may be a bit undervalued, certainly considering the very reasonable score on growth DLX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year DLX was profitable.
- DLX had a positive operating cash flow in the past year.
- DLX had positive earnings in each of the past 5 years.
- In the past 5 years DLX always reported a positive cash flow from operatings.
1.2 Ratios
- DLX has a Return On Assets of 3.20%. This is in the better half of the industry: DLX outperforms 66.25% of its industry peers.
- DLX has a Return On Equity of 12.46%. This is in the better half of the industry: DLX outperforms 70.00% of its industry peers.
- DLX's Return On Invested Capital of 8.18% is fine compared to the rest of the industry. DLX outperforms 71.25% of its industry peers.
- DLX had an Average Return On Invested Capital over the past 3 years of 7.12%. This is below the industry average of 10.66%.
- The 3 year average ROIC (7.12%) for DLX is below the current ROIC(8.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.2% | ||
| ROE | 12.46% | ||
| ROIC | 8.18% |
ROA(3y)1.89%
ROA(5y)1.97%
ROE(3y)8.43%
ROE(5y)9.4%
ROIC(3y)7.12%
ROIC(5y)6.79%
1.3 Margins
- With a decent Profit Margin value of 3.91%, DLX is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- In the last couple of years the Profit Margin of DLX has grown nicely.
- With a decent Operating Margin value of 12.18%, DLX is doing good in the industry, outperforming 77.50% of the companies in the same industry.
- In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
- The Gross Margin of DLX (53.04%) is better than 92.50% of its industry peers.
- DLX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.18% | ||
| PM (TTM) | 3.91% | ||
| GM | 53.04% |
OM growth 3Y8.84%
OM growth 5Y-0.62%
PM growth 3Y11.01%
PM growth 5Y52.05%
GM growth 3Y-0.54%
GM growth 5Y-2.18%
2. Health
2.1 Basic Checks
- DLX has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- DLX has more shares outstanding than it did 1 year ago.
- DLX has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, DLX has an improved debt to assets ratio.
2.2 Solvency
- DLX has an Altman-Z score of 1.81. This is not the best score and indicates that DLX is in the grey zone with still only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 1.81, DLX is in line with its industry, outperforming 48.75% of the companies in the same industry.
- DLX has a debt to FCF ratio of 12.14. This is a negative value and a sign of low solvency as DLX would need 12.14 years to pay back of all of its debts.
- The Debt to FCF ratio of DLX (12.14) is comparable to the rest of the industry.
- A Debt/Equity ratio of 2.13 is on the high side and indicates that DLX has dependencies on debt financing.
- With a Debt to Equity ratio value of 2.13, DLX is not doing good in the industry: 81.25% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Altman-Z | 1.81 |
ROIC/WACC1.04
WACC7.87%
2.3 Liquidity
- A Current Ratio of 0.99 indicates that DLX may have some problems paying its short term obligations.
- With a Current ratio value of 0.99, DLX is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
- A Quick Ratio of 0.91 indicates that DLX may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.91, DLX is doing worse than 71.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.91 |
3. Growth
3.1 Past
- DLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.52%, which is quite good.
- The Earnings Per Share has been decreasing by -6.24% on average over the past years.
- The Revenue has been growing slightly by 0.54% in the past year.
- The Revenue has been growing slightly by 3.56% on average over the past years.
EPS 1Y (TTM)11.52%
EPS 3Y-3.3%
EPS 5Y-6.24%
EPS Q2Q%14.29%
Revenue 1Y (TTM)0.54%
Revenue growth 3Y-1.59%
Revenue growth 5Y3.56%
Sales Q2Q%2.84%
3.2 Future
- DLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.30% yearly.
- The Revenue is expected to grow by 1.44% on average over the next years.
EPS Next Y4.48%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.98%
Revenue Next 2Y1.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 7.41, which indicates a rather cheap valuation of DLX.
- 91.25% of the companies in the same industry are more expensive than DLX, based on the Price/Earnings ratio.
- DLX is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
- DLX is valuated cheaply with a Price/Forward Earnings ratio of 7.09.
- Based on the Price/Forward Earnings ratio, DLX is valued cheaper than 95.00% of the companies in the same industry.
- DLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 7.09 |
4.2 Price Multiples
- 88.75% of the companies in the same industry are more expensive than DLX, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| EV/EBITDA | 6.68 |
4.3 Compensation for Growth
- DLX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The decent profitability rating of DLX may justify a higher PE ratio.
PEG (NY)1.65
PEG (5Y)N/A
EPS Next 2Y5.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.64%, DLX is a good candidate for dividend investing.
- DLX's Dividend Yield is rather good when compared to the industry average which is at 0.81. DLX pays more dividend than 93.75% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, DLX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
5.2 History
- The dividend of DLX has a limited annual growth rate of 0.50%.
- DLX has paid a dividend for at least 10 years, which is a reliable track record.
- DLX has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.5%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
- DLX pays out 66.44% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of DLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.44%
EPS Next 2Y5.3%
EPS Next 3YN/A
NYSE:DLX (2/19/2026, 12:13:19 PM)
27.26
-0.06 (-0.22%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-28 2026-04-28
Inst Owners89.23%
Inst Owner Change-0.71%
Ins Owners1.7%
Ins Owner Change10.83%
Market Cap1.23B
Revenue(TTM)2.13B
Net Income(TTM)82.73M
Analysts80
Price Target31.28 (14.75%)
Short Float %6.16%
Short Ratio5.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-09 2026-02-09 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.68%
Min EPS beat(2)14.81%
Max EPS beat(2)16.56%
EPS beat(4)3
Avg EPS beat(4)8.96%
Min EPS beat(4)-0.1%
Max EPS beat(4)16.56%
EPS beat(8)7
Avg EPS beat(8)9.57%
EPS beat(12)10
Avg EPS beat(12)11.24%
EPS beat(16)13
Avg EPS beat(16)8.73%
Revenue beat(2)1
Avg Revenue beat(2)-0.8%
Min Revenue beat(2)-2.05%
Max Revenue beat(2)0.44%
Revenue beat(4)2
Avg Revenue beat(4)-0.91%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)1.1%
Revenue beat(8)3
Avg Revenue beat(8)-0.7%
Revenue beat(12)6
Avg Revenue beat(12)-0.1%
Revenue beat(16)10
Avg Revenue beat(16)0.84%
PT rev (1m)6.98%
PT rev (3m)14.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.1%
EPS NY rev (1m)3.25%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 7.09 | ||
| P/S | 0.58 | ||
| P/FCF | 10.27 | ||
| P/OCF | 5.36 | ||
| P/B | 1.85 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.68 |
EPS(TTM)3.68
EY13.5%
EPS(NY)3.84
Fwd EY14.1%
FCF(TTM)2.65
FCFY9.73%
OCF(TTM)5.08
OCFY18.64%
SpS47.08
BVpS14.75
TBVpS-24.27
PEG (NY)1.65
PEG (5Y)N/A
Graham Number34.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.2% | ||
| ROE | 12.46% | ||
| ROCE | 11.81% | ||
| ROIC | 8.18% | ||
| ROICexc | 8.27% | ||
| ROICexgc | 44.29% | ||
| OM | 12.18% | ||
| PM (TTM) | 3.91% | ||
| GM | 53.04% | ||
| FCFM | 5.64% |
ROA(3y)1.89%
ROA(5y)1.97%
ROE(3y)8.43%
ROE(5y)9.4%
ROIC(3y)7.12%
ROIC(5y)6.79%
ROICexc(3y)7.27%
ROICexc(5y)6.92%
ROICexgc(3y)40.41%
ROICexgc(5y)39.04%
ROCE(3y)10.28%
ROCE(5y)9.81%
ROICexgc growth 3Y7.3%
ROICexgc growth 5Y1.01%
ROICexc growth 3Y9.01%
ROICexc growth 5Y-6.52%
OM growth 3Y8.84%
OM growth 5Y-0.62%
PM growth 3Y11.01%
PM growth 5Y52.05%
GM growth 3Y-0.54%
GM growth 5Y-2.18%
F-Score6
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Debt/EBITDA | 3.56 | ||
| Cap/Depr | 78.7% | ||
| Cap/Sales | 5.16% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 57.61% | ||
| Profit Quality | 144.34% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.91 | ||
| Altman-Z | 1.81 |
F-Score6
WACC7.87%
ROIC/WACC1.04
Cap/Depr(3y)62.54%
Cap/Depr(5y)65.19%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.78%
Profit Quality(3y)256.43%
Profit Quality(5y)210.74%
High Growth Momentum
Growth
EPS 1Y (TTM)11.52%
EPS 3Y-3.3%
EPS 5Y-6.24%
EPS Q2Q%14.29%
EPS Next Y4.48%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.54%
Revenue growth 3Y-1.59%
Revenue growth 5Y3.56%
Sales Q2Q%2.84%
Revenue Next Year0.98%
Revenue Next 2Y1.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y21.25%
EBIT growth 3Y7.12%
EBIT growth 5Y2.92%
EBIT Next Year69.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.61%
FCF growth 3Y28.52%
FCF growth 5Y4.03%
OCF growth 1Y5.1%
OCF growth 3Y12.21%
OCF growth 5Y4.46%
DELUXE CORP / DLX FAQ
What is the fundamental rating for DLX stock?
ChartMill assigns a fundamental rating of 5 / 10 to DLX.
Can you provide the valuation status for DELUXE CORP?
ChartMill assigns a valuation rating of 8 / 10 to DELUXE CORP (DLX). This can be considered as Undervalued.
How profitable is DELUXE CORP (DLX) stock?
DELUXE CORP (DLX) has a profitability rating of 7 / 10.
What is the valuation of DELUXE CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for DELUXE CORP (DLX) is 7.41 and the Price/Book (PB) ratio is 1.85.
Can you provide the financial health for DLX stock?
The financial health rating of DELUXE CORP (DLX) is 1 / 10.