DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

28.31 USD
+0.2 (+0.71%)
Last:

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.
  • In the past year DLX had a positive cash flow from operations.
  • In the past 5 years DLX has always been profitable.
  • In the past 5 years DLX always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 2.87%, DLX is in the better half of the industry, outperforming 65.00% of the companies in the same industry.
  • DLX has a better Return On Equity (12.07%) than 72.50% of its industry peers.
  • DLX has a Return On Invested Capital of 8.01%. This is in the better half of the industry: DLX outperforms 75.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for DLX is below the industry average of 9.78%.
  • 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

  • The Profit Margin of DLX (3.85%) is better than 68.75% of its industry peers.
  • In the last couple of years the Profit Margin of DLX has grown nicely.
  • Looking at the Operating Margin, with a value of 12.07%, DLX is in the better half of the industry, outperforming 78.75% 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.
  • DLX has a better Gross Margin (53.00%) than 91.25% of its industry peers.
  • DLX's Gross Margin has declined in the last couple of years.
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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2

2. DLX Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), DLX is destroying value.
  • The number of shares outstanding for DLX has been increased compared to 1 year ago.
  • Compared to 5 years ago, DLX has more shares outstanding
  • 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's Altman-Z score of 1.66 is in line compared to the rest of the industry. DLX outperforms 45.00% of 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 has a Debt to FCF ratio (8.76) which is in line with its industry peers.
  • DLX has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external 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 78.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.66
ROIC/WACC0.89
WACC8.96%
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: 73.75% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.98 indicates that DLX may have some problems paying its short term obligations.
  • DLX has a worse Quick ratio (0.98) than 70.00% of its industry peers.
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

  • The Earnings Per Share has grown by an nice 11.52% over the past year.
  • The Earnings Per Share has been decreasing by -6.24% on average over the past years.
  • DLX shows a small growth in Revenue. In the last year, the Revenue has grown by 0.54%.
  • 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 quite strong growth in Earnings Per Share. The EPS will grow by 8.59% 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 Y11.61%
EPS Next 2Y8.59%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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9

4. DLX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.69, the valuation of DLX can be described as very cheap.
  • DLX's Price/Earnings ratio is rather cheap when compared to the industry. DLX is cheaper than 93.75% of the companies in the same industry.
  • DLX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
  • DLX is valuated cheaply with a Price/Forward Earnings ratio of 6.89.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 95.00% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.39. DLX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.69
Fwd PE 6.89
DLX Price Earnings VS Forward Price EarningsDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, DLX is valued cheaper than 87.50% of the companies in the same industry.
  • 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 RankSector Rank
P/FCF 7.93
EV/EBITDA 6.77
DLX Per share dataDLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • DLX's 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)0.66
PEG (5Y)N/A
EPS Next 2Y8.59%
EPS Next 3YN/A

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

8

5. DLX Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.26%, DLX is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 0.85, DLX pays a better dividend. On top of this DLX pays more dividend than 92.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, DLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.26%

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.
  • DLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP67.23%
EPS Next 2Y8.59%
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 (4/13/2026, 11:59:49 AM)

28.31

+0.2 (+0.71%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28
Earnings (Next)04-30
Inst Owners88.22%
Inst Owner Change0.02%
Ins Owners2.3%
Ins Owner Change18.06%
Market Cap1.29B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target33.32 (17.7%)
Short Float %7.77%
Short Ratio6.91
Dividend
Industry RankSector Rank
Dividend Yield 4.26%
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)1.04%
EPS NY rev (3m)10.31%
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 7.69
Fwd PE 6.89
P/S 0.61
P/FCF 7.93
P/OCF 4.78
P/B 1.9
P/tB N/A
EV/EBITDA 6.77
EPS(TTM)3.68
EY13%
EPS(NY)4.11
Fwd EY14.51%
FCF(TTM)3.57
FCFY12.62%
OCF(TTM)5.92
OCFY20.92%
SpS46.69
BVpS14.89
TBVpS-23.87
PEG (NY)0.66
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
WACC8.96%
ROIC/WACC0.89
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 Y11.61%
EPS Next 2Y8.59%
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 Year73.74%
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 11.61% 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%.