DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

28.2 USD
-0.18 (-0.63%)
At close:
28.2 USD
0 (0%)
After Hours:

This DLX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. DLX Profitability Analysis

1.1 Basic Checks

  • DLX had positive earnings in the past year.
  • DLX had a positive operating cash flow in the past year.
  • In the past 5 years DLX has always been profitable.
  • DLX had a positive operating cash flow in each of the past 5 years.
DLX Yearly Net Income VS EBIT VS OCF VS FCFDLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M

1.2 Ratios

  • DLX has a Return On Assets of 2.87%. This is in the better half of the industry: DLX outperforms 64.20% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.07%, DLX is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • DLX has a Return On Invested Capital of 8.01%. This is in the better half of the industry: DLX outperforms 72.84% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for DLX is below the industry average of 10.27%.
  • The last Return On Invested Capital (8.01%) for DLX is above the 3 year average (7.05%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.87%
ROE 12.07%
ROIC 8.01%
ROA(3y)1.86%
ROA(5y)1.95%
ROE(3y)8.3%
ROE(5y)9.32%
ROIC(3y)7.05%
ROIC(5y)6.74%
DLX Yearly ROA, ROE, ROICDLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 3.85%, DLX is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • DLX's Profit Margin has improved in the last couple of years.
  • The Operating Margin of DLX (12.07%) is better than 77.78% of its industry peers.
  • In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
  • DLX's Gross Margin of 53.00% is amongst the best of the industry. DLX outperforms 91.36% of its industry peers.
  • In the last couple of years the Gross Margin of DLX has declined.
Industry RankSector Rank
OM 12.07%
PM (TTM) 3.85%
GM 53%
OM growth 3Y8.27%
OM growth 5Y-0.94%
PM growth 3Y9.64%
PM growth 5Y50.93%
GM growth 3Y-0.55%
GM growth 5Y-2.18%
DLX Yearly Profit, Operating, Gross MarginsDLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. DLX Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DLX is destroying value.
  • Compared to 1 year ago, DLX has more shares outstanding
  • The number of shares outstanding for DLX has been increased compared to 5 years ago.
  • Compared to 1 year ago, DLX has an improved debt to assets ratio.
DLX Yearly Shares OutstandingDLX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
DLX Yearly Total Debt VS Total AssetsDLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 1.66, we must say that DLX is in the distress zone and has some risk of bankruptcy.
  • DLX has a Altman-Z score (1.66) which is in line with its industry peers.
  • DLX has a debt to FCF ratio of 8.76. This is a slightly negative value and a sign of low solvency as DLX would need 8.76 years to pay back of all of its debts.
  • DLX's Debt to FCF ratio of 8.76 is fine compared to the rest of the industry. DLX outperforms 60.49% of its industry peers.
  • A Debt/Equity ratio of 2.08 is on the high side and indicates that DLX has dependencies on debt financing.
  • DLX's Debt to Equity ratio of 2.08 is on the low side compared to the rest of the industry. DLX is outperformed by 79.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.66
ROIC/WACC0.93
WACC8.66%
DLX Yearly LT Debt VS Equity VS FCFDLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 1.04 indicates that DLX should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.04, DLX is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
  • DLX has a Quick Ratio of 1.04. This is a bad value and indicates that DLX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.98, DLX is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 0.98
DLX Yearly Current Assets VS Current LiabilitesDLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. DLX Growth Analysis

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

  • Based on estimates for the next years, DLX will show a small growth in Earnings Per Share. The EPS will grow by 7.94% on average per year.
  • DLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.23% yearly.
EPS Next Y10.47%
EPS Next 2Y7.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.17%
Revenue Next 2Y1.23%
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.
DLX Yearly Revenue VS EstimatesDLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
DLX Yearly EPS VS EstimatesDLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

9

4. DLX Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.66, the valuation of DLX can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 92.59% of the companies listed in the same industry.
  • DLX is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 6.94 indicates a rather cheap valuation of DLX.
  • Based on the Price/Forward Earnings ratio, DLX is valued cheaper than 92.59% of the companies in the same industry.
  • DLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.66
Fwd PE 6.94
DLX Price Earnings VS Forward Price EarningsDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 87.65% of the companies in the same industry are more expensive than DLX, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, DLX is valued cheaper than 90.12% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.89
EV/EBITDA 6.8
DLX Per share dataDLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • DLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y7.94%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. DLX Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.45%, DLX is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 0.86, DLX pays a better dividend. On top of this DLX pays more dividend than 92.59% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, DLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.45%

5.2 History

  • The dividend of DLX has a limited annual growth rate of 0.50%.
  • DLX has been paying a dividend for at least 10 years, so it has a reliable track record.
  • DLX has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.5%
Div Incr Years0
Div Non Decr Years18
DLX Yearly Dividends per shareDLX Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • DLX pays out 67.23% 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.
DP67.23%
EPS Next 2Y7.94%
EPS Next 3YN/A
DLX Yearly Income VS Free CF VS DividendDLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
DLX Dividend Payout.DLX Dividend Payout, showing the Payout Ratio.DLX Dividend Payout.PayoutRetained Earnings

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DLX Fundamentals: All Metrics, Ratios and Statistics

DELUXE CORP

NYSE:DLX (4/9/2026, 8:23:30 PM)

After market: 28.2 0 (0%)

28.2

-0.18 (-0.63%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28
Earnings (Next)04-30
Inst Owners89.74%
Inst Owner Change0%
Ins Owners2.32%
Ins Owner Change18.06%
Market Cap1.29B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target33.32 (18.16%)
Short Float %7.77%
Short Ratio6.91
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP67.23%
Div Incr Years0
Div Non Decr Years18
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.43%
Min EPS beat(2)14.06%
Max EPS beat(2)14.81%
EPS beat(4)4
Avg EPS beat(4)12.5%
Min EPS beat(4)4.59%
Max EPS beat(4)16.56%
EPS beat(8)7
Avg EPS beat(8)10.56%
EPS beat(12)11
Avg EPS beat(12)12.41%
EPS beat(16)13
Avg EPS beat(16)9.47%
Revenue beat(2)2
Avg Revenue beat(2)1.44%
Min Revenue beat(2)0.44%
Max Revenue beat(2)2.44%
Revenue beat(4)3
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-2.05%
Max Revenue beat(4)2.44%
Revenue beat(8)4
Avg Revenue beat(8)-0.26%
Revenue beat(12)6
Avg Revenue beat(12)0.02%
Revenue beat(16)10
Avg Revenue beat(16)0.79%
PT rev (1m)6.52%
PT rev (3m)13.95%
EPS NQ rev (1m)3.79%
EPS NQ rev (3m)10.4%
EPS NY rev (1m)0%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 7.66
Fwd PE 6.94
P/S 0.6
P/FCF 7.89
P/OCF 4.76
P/B 1.89
P/tB N/A
EV/EBITDA 6.8
EPS(TTM)3.68
EY13.05%
EPS(NY)4.07
Fwd EY14.42%
FCF(TTM)3.57
FCFY12.67%
OCF(TTM)5.92
OCFY21%
SpS46.69
BVpS14.89
TBVpS-23.87
PEG (NY)0.73
PEG (5Y)N/A
Graham Number35.11
Profitability
Industry RankSector Rank
ROA 2.87%
ROE 12.07%
ROCE 11.59%
ROIC 8.01%
ROICexc 8.15%
ROICexgc 43.15%
OM 12.07%
PM (TTM) 3.85%
GM 53%
FCFM 7.65%
ROA(3y)1.86%
ROA(5y)1.95%
ROE(3y)8.3%
ROE(5y)9.32%
ROIC(3y)7.05%
ROIC(5y)6.74%
ROICexc(3y)7.2%
ROICexc(5y)6.87%
ROICexgc(3y)39.34%
ROICexgc(5y)38.38%
ROCE(3y)10.19%
ROCE(5y)9.75%
ROICexgc growth 3Y4.9%
ROICexgc growth 5Y-0.36%
ROICexc growth 3Y8.16%
ROICexc growth 5Y-6.95%
OM growth 3Y8.27%
OM growth 5Y-0.94%
PM growth 3Y9.64%
PM growth 5Y50.93%
GM growth 3Y-0.55%
GM growth 5Y-2.18%
F-Score6
Asset Turnover0.74
Health
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Debt/EBITDA 3.57
Cap/Depr 77.88%
Cap/Sales 5.03%
Interest Coverage 2.31
Cash Conversion 68.45%
Profit Quality 198.77%
Current Ratio 1.04
Quick Ratio 0.98
Altman-Z 1.66
F-Score6
WACC8.66%
ROIC/WACC0.93
Cap/Depr(3y)64.76%
Cap/Depr(5y)66.52%
Cap/Sales(3y)4.69%
Cap/Sales(5y)4.9%
Profit Quality(3y)254.1%
Profit Quality(5y)209.35%
High Growth Momentum
Growth
EPS 1Y (TTM)11.52%
EPS 3Y-3.3%
EPS 5Y-6.24%
EPS Q2Q%14.29%
EPS Next Y10.47%
EPS Next 2Y7.94%
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 Year1.17%
Revenue Next 2Y1.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y18.46%
EBIT growth 3Y6.55%
EBIT growth 5Y2.59%
EBIT Next Year73.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y63.38%
FCF growth 3Y25.49%
FCF growth 5Y2.55%
OCF growth 1Y39.28%
OCF growth 3Y12.21%
OCF growth 5Y4.46%

DELUXE CORP / DLX Fundamental Analysis FAQ

What is the fundamental rating for DLX stock?

ChartMill assigns a fundamental rating of 5 / 10 to DLX.


What is the valuation status of DELUXE CORP (DLX) stock?

ChartMill assigns a valuation rating of 9 / 10 to DELUXE CORP (DLX). This can be considered as Undervalued.


What is the profitability of DLX stock?

DELUXE CORP (DLX) has a profitability rating of 7 / 10.


Can you provide the expected EPS growth for DLX stock?

The Earnings per Share (EPS) of DELUXE CORP (DLX) is expected to grow by 10.47% in the next year.


How sustainable is the dividend of DELUXE CORP (DLX) stock?

The dividend rating of DELUXE CORP (DLX) is 8 / 10 and the dividend payout ratio is 67.23%.