DELUXE CORP (DLX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:DLX - US2480191012 - Common Stock
24.35 USD
+0.76 (+3.22%)
24.4 USD
+0.05 (+0.21%)
Overall DLX gets a fundamental rating of 5 out of 10. We evaluated DLX against 80 industry peers in the Commercial Services & Supplies industry. DLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. DLX is cheap, but on the other hand it scores bad 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.
- DLX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of DLX (3.20%) is better than 66.25% of its industry peers.
- With a decent Return On Equity value of 12.46%, DLX is doing good in the industry, outperforming 71.25% of the companies in the same industry.
- DLX's Return On Invested Capital of 7.98% is fine compared to the rest of the industry. DLX outperforms 71.25% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for DLX is below the industry average of 10.54%.
- The last Return On Invested Capital (7.98%) for DLX is above the 3 year average (6.34%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.2% | ||
| ROE | 12.46% | ||
| ROIC | 7.98% |
ROA(3y)1.61%
ROA(5y)1.47%
ROE(3y)7.88%
ROE(5y)7.23%
ROIC(3y)6.34%
ROIC(5y)7.11%
1.3 Margins
- Looking at the Profit Margin, with a value of 3.91%, DLX is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
- In the last couple of years the Profit Margin of DLX has declined.
- DLX has a better Operating Margin (12.18%) than 77.50% of its industry peers.
- In the last couple of years the Operating Margin of DLX has declined.
- DLX's Gross Margin of 53.04% is amongst the best of the industry. DLX outperforms 93.75% 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 3Y-1.37%
OM growth 5Y-8.08%
PM growth 3Y-7.02%
PM growth 5YN/A
GM growth 3Y-1.92%
GM growth 5Y-2.26%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so DLX is still creating some value.
- DLX has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for DLX has been increased compared to 5 years ago.
- The debt/assets ratio for DLX is higher compared to a year ago.
2.2 Solvency
- DLX has an Altman-Z score of 1.77. This is a bad value and indicates that DLX is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of DLX (1.77) is comparable to the rest of the 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.
- DLX has a Debt to FCF ratio (12.14) which 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.
- Looking at the Debt to Equity ratio, with a value of 2.13, DLX is doing worse than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Altman-Z | 1.77 |
ROIC/WACC1.02
WACC7.83%
2.3 Liquidity
- A Current Ratio of 0.99 indicates that DLX may have some problems paying its short term obligations.
- The Current ratio of DLX (0.99) is worse than 75.00% of its industry peers.
- 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 9.20%, which is quite good.
- DLX shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.54% yearly.
- DLX shows a decrease in Revenue. In the last year, the revenue decreased by -0.94%.
- Measured over the past years, DLX shows a small growth in Revenue. The Revenue has been growing by 1.10% on average per year.
EPS 1Y (TTM)9.2%
EPS 3Y-12.17%
EPS 5Y-13.54%
EPS Q2Q%29.76%
Revenue 1Y (TTM)-0.94%
Revenue growth 3Y1.61%
Revenue growth 5Y1.1%
Sales Q2Q%2.24%
3.2 Future
- The Earnings Per Share is expected to grow by 7.07% on average over the next years.
- Based on estimates for the next years, DLX will show a small growth in Revenue. The Revenue will grow by 0.42% on average per year.
EPS Next Y8.65%
EPS Next 2Y6.22%
EPS Next 3Y7.07%
EPS Next 5YN/A
Revenue Next Year-0.84%
Revenue Next 2Y-0.07%
Revenue Next 3Y0.42%
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
- A Price/Earnings ratio of 6.84 indicates a rather cheap valuation of DLX.
- DLX's Price/Earnings ratio is rather cheap when compared to the industry. DLX is cheaper than 92.50% of the companies in the same industry.
- When comparing the Price/Earnings ratio of DLX to the average of the S&P500 Index (27.54), we can say DLX is valued rather cheaply.
- The Price/Forward Earnings ratio is 6.54, which indicates a rather cheap valuation of DLX.
- DLX's Price/Forward Earnings ratio is rather cheap when compared to the industry. DLX is cheaper than 95.00% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of DLX to the average of the S&P500 Index (24.31), we can say DLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.84 | ||
| Fwd PE | 6.54 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, DLX is valued cheaply inside the industry as 91.25% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, DLX is valued cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.18 | ||
| EV/EBITDA | 6.35 |
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.
- The decent profitability rating of DLX may justify a higher PE ratio.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y6.22%
EPS Next 3Y7.07%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.19%, DLX is a good candidate for dividend investing.
- DLX's Dividend Yield is rather good when compared to the industry average which is at 0.88. DLX pays more dividend than 95.00% of the companies in the same industry.
- DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
5.2 History
- The dividend of DLX has a limited annual growth rate of 0.62%.
- 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)0.62%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
- 66.44% of the earnings are spent on dividend by DLX. 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 2Y6.22%
EPS Next 3Y7.07%
24.35
+0.76 (+3.22%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)01-29 2026-01-29/bmo
Inst Owners89.23%
Inst Owner Change-0.19%
Ins Owners1.7%
Ins Owner Change1.8%
Market Cap1.10B
Revenue(TTM)2.12B
Net Income(TTM)82.73M
Analysts80
Price Target29.24 (20.08%)
Short Float %6.11%
Short Ratio8.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
Yearly Dividend1.23
Dividend Growth(5Y)0.62%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-DateN/A
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)4.24%
PT rev (3m)7.17%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)-7.15%
EPS NY rev (1m)1.5%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.84 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.52 | ||
| P/FCF | 9.18 | ||
| P/OCF | 4.79 | ||
| P/B | 1.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.35 |
EPS(TTM)3.56
EY14.62%
EPS(NY)3.72
Fwd EY15.29%
FCF(TTM)2.65
FCFY10.9%
OCF(TTM)5.08
OCFY20.87%
SpS47.07
BVpS14.75
TBVpS-24.26
PEG (NY)0.79
PEG (5Y)N/A
Graham Number34.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.2% | ||
| ROE | 12.46% | ||
| ROCE | 11.81% | ||
| ROIC | 7.98% | ||
| ROICexc | 8.07% | ||
| ROICexgc | 43.22% | ||
| OM | 12.18% | ||
| PM (TTM) | 3.91% | ||
| GM | 53.04% | ||
| FCFM | 5.64% |
ROA(3y)1.61%
ROA(5y)1.47%
ROE(3y)7.88%
ROE(5y)7.23%
ROIC(3y)6.34%
ROIC(5y)7.11%
ROICexc(3y)6.48%
ROICexc(5y)7.41%
ROICexgc(3y)36.57%
ROICexgc(5y)37.66%
ROCE(3y)9.38%
ROCE(5y)10.53%
ROICexgc growth 3Y-0.45%
ROICexgc growth 5Y-8.74%
ROICexc growth 3Y2.9%
ROICexc growth 5Y-14.14%
OM growth 3Y-1.37%
OM growth 5Y-8.08%
PM growth 3Y-7.02%
PM growth 5YN/A
GM growth 3Y-1.92%
GM growth 5Y-2.26%
F-Score7
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 | 1.77 |
F-Score7
WACC7.83%
ROIC/WACC1.02
Cap/Depr(3y)59.84%
Cap/Depr(5y)64.25%
Cap/Sales(3y)4.64%
Cap/Sales(5y)4.71%
Profit Quality(3y)229.97%
Profit Quality(5y)496.64%
High Growth Momentum
Growth
EPS 1Y (TTM)9.2%
EPS 3Y-12.17%
EPS 5Y-13.54%
EPS Q2Q%29.76%
EPS Next Y8.65%
EPS Next 2Y6.22%
EPS Next 3Y7.07%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.94%
Revenue growth 3Y1.61%
Revenue growth 5Y1.1%
Sales Q2Q%2.24%
Revenue Next Year-0.84%
Revenue Next 2Y-0.07%
Revenue Next 3Y0.42%
Revenue Next 5YN/A
EBIT growth 1Y21.25%
EBIT growth 3Y0.23%
EBIT growth 5Y-7.07%
EBIT Next Year124.39%
EBIT Next 3Y33.65%
EBIT Next 5YN/A
FCF growth 1Y78.98%
FCF growth 3Y0.33%
FCF growth 5Y-14.61%
OCF growth 1Y24.95%
OCF growth 3Y-2.69%
OCF growth 5Y-7.49%
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 9 / 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 6 / 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 6.84 and the Price/Book (PB) ratio is 1.65.
Can you provide the financial health for DLX stock?
The financial health rating of DELUXE CORP (DLX) is 1 / 10.