DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

27.38 USD
-0.72 (-2.56%)
Last: Mar 6, 2026, 11:35 AM
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This DLX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, DLX scores 5 out of 10 in our fundamental rating. DLX was compared to 81 industry peers in the Commercial Services & Supplies industry. While DLX belongs to the best of the industry regarding profitability, there are concerns on its financial health. DLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally DLX also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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.
  • DLX had positive earnings in each of the past 5 years.
  • Each year in the past 5 years DLX had a positive operating cash flow.
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 3.20%, DLX is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • DLX's Return On Equity of 12.46% is fine compared to the rest of the industry. DLX outperforms 69.14% of its industry peers.
  • DLX's Return On Invested Capital of 8.18% is fine compared to the rest 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 10.53%.
  • The last Return On Invested Capital (8.18%) for DLX is above the 3 year average (7.12%), which is a sign of increasing profitability.
Industry RankSector 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%
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 3.91%, DLX is in the better half of the industry, outperforming 64.20% of the companies in the same industry.
  • DLX's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 12.18%, DLX is doing good in the industry, outperforming 76.54% 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's Gross Margin of 53.04% is amongst the best of the industry. DLX outperforms 93.83% of its industry peers.
  • DLX's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), DLX 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.
  • The debt/assets ratio for DLX has been reduced compared to a year ago.
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

  • DLX has an Altman-Z score of 1.82. 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.
  • DLX has a Altman-Z score of 1.82. This is comparable to the rest of the industry: DLX outperforms 48.15% of its industry peers.
  • The Debt to FCF ratio of DLX is 12.14, which is on the high side as it means it would take DLX, 12.14 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.14, DLX is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • A Debt/Equity ratio of 2.13 is on the high side and indicates that DLX has dependencies on debt financing.
  • DLX has a Debt to Equity ratio of 2.13. This is amonst the worse of the industry: DLX underperforms 80.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.13
Debt/FCF 12.14
Altman-Z 1.82
ROIC/WACC1.01
WACC8.11%
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 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: 74.07% 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.
  • DLX's Quick ratio of 0.91 is on the low side compared to the rest of the industry. DLX is outperformed by 70.37% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.91
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.
  • Looking at the last year, DLX shows a small growth in Revenue. The Revenue has grown by 0.54% in the last year.
  • DLX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.56% yearly.
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

  • The Earnings Per Share is expected to grow by 5.30% 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 1.44% on average per year.
EPS Next Y4.48%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
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.
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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8

4. DLX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.44, 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 91.36% 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 26.69.
  • With a Price/Forward Earnings ratio of 7.12, the valuation of DLX can be described as very cheap.
  • 95.06% of the companies in the same industry are more expensive than DLX, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.79. DLX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.44
Fwd PE 7.12
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 cheaply inside the industry as 88.89% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, DLX is valued cheaper than 88.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.32
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • DLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.66
PEG (5Y)N/A
EPS Next 2Y5.3%
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 4.21%, DLX is a good candidate for dividend investing.
  • DLX's Dividend Yield is rather good when compared to the industry average which is at 0.78. DLX pays more dividend than 93.83% of the companies in the same industry.
  • DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.21%

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 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
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 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
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 (3/6/2026, 11:35:21 AM)

27.38

-0.72 (-2.56%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners89.23%
Inst Owner Change-0.2%
Ins Owners1.7%
Ins Owner Change18.15%
Market Cap1.23B
Revenue(TTM)2.13B
Net Income(TTM)82.73M
Analysts80
Price Target31.28 (14.24%)
Short Float %6.98%
Short Ratio6.22
Dividend
Industry RankSector Rank
Dividend Yield 4.21%
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-09
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)8.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)3.25%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 7.44
Fwd PE 7.12
P/S 0.58
P/FCF 10.32
P/OCF 5.39
P/B 1.86
P/tB N/A
EV/EBITDA 6.77
EPS(TTM)3.68
EY13.44%
EPS(NY)3.84
Fwd EY14.04%
FCF(TTM)2.65
FCFY9.69%
OCF(TTM)5.08
OCFY18.56%
SpS47.08
BVpS14.75
TBVpS-24.27
PEG (NY)1.66
PEG (5Y)N/A
Graham Number34.95
Profitability
Industry RankSector 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 RankSector 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 1.82
F-Score6
WACC8.11%
ROIC/WACC1.01
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 Year1.22%
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 Year73.41%
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 7.44 and the Price/Book (PB) ratio is 1.86.


Can you provide the financial health for DLX stock?

The financial health rating of DELUXE CORP (DLX) is 2 / 10.