DELUXE CORP (DLX) Stock Fundamental Analysis
USA - NYSE:DLX - US2480191012 - Common Stock
18.61 USD
-0.27 (-1.43%)
Overall DLX gets a fundamental rating of 4 out of 10. We evaluated DLX against 82 industry peers in the Commercial Services & Supplies industry. There are concerns on the financial health of DLX while its profitability can be described as average. DLX has a bad growth rate and is valued cheaply. DLX also has an excellent dividend rating.
1. Profitability
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.
1.2 Ratios
With a Return On Assets value of 2.29%, DLX perfoms like the industry average, outperforming 52.44% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.07%, DLX is in the better half of the industry, outperforming 67.07% of the companies in the same industry.
DLX's Return On Invested Capital of 7.27% is fine compared to the rest of the industry. DLX outperforms 65.85% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DLX is below the industry average of 10.48%.
The 3 year average ROIC (6.34%) for DLX is below the current ROIC(7.27%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 9.07% | ||
| ROIC | 7.27% |
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
DLX has a Profit Margin (2.75%) which is comparable to the rest of the industry.
DLX's Profit Margin has declined in the last couple of years.
DLX has a better Operating Margin (11.08%) than 75.61% of its industry peers.
DLX's Operating Margin has declined in the last couple of years.
DLX's Gross Margin of 52.90% is amongst the best of the industry. DLX outperforms 92.68% of its industry peers.
DLX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.08% | ||
| PM (TTM) | 2.75% | ||
| GM | 52.9% |
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 below the Cost of Capital (WACC), so DLX is destroying value.
The number of shares outstanding for DLX has been increased compared to 1 year ago.
The number of shares outstanding for DLX has been increased compared to 5 years ago.
DLX has a worse debt/assets ratio than last year.
2.2 Solvency
DLX has an Altman-Z score of 1.67. This is a bad value and indicates that DLX is not financially healthy and even has some risk of bankruptcy.
DLX has a Altman-Z score (1.67) which is in line with its industry peers.
The Debt to FCF ratio of DLX is 10.94, which is on the high side as it means it would take DLX, 10.94 years of fcf income to pay off all of its debts.
DLX's Debt to FCF ratio of 10.94 is in line compared to the rest of the industry. DLX outperforms 53.66% of its industry peers.
DLX has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of DLX (2.25) is worse than 80.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.94 | ||
| Altman-Z | 1.67 |
ROIC/WACC0.93
WACC7.79%
2.3 Liquidity
A Current Ratio of 0.94 indicates that DLX may have some problems paying its short term obligations.
The Current ratio of DLX (0.94) is worse than 75.61% of its industry peers.
DLX has a Quick Ratio of 0.94. This is a bad value and indicates that DLX is not financially healthy enough and could expect problems in meeting its short term obligations.
DLX's Quick ratio of 0.85 is on the low side compared to the rest of the industry. DLX is outperformed by 73.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.85 |
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.
Measured over the past years, DLX shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.54% on average per year.
Looking at the last year, DLX shows a decrease in Revenue. The Revenue has decreased by -3.22% in the last year.
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)-3.22%
Revenue growth 3Y1.61%
Revenue growth 5Y1.1%
Sales Q2Q%2.24%
3.2 Future
DLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
DLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.14% yearly.
EPS Next Y4.83%
EPS Next 2Y6.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.35%
Revenue Next 2Y0.14%
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
DLX is valuated cheaply with a Price/Earnings ratio of 5.23.
Based on the Price/Earnings ratio, DLX is valued cheaply inside the industry as 93.90% of the companies are valued more expensively.
DLX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.46.
DLX is valuated cheaply with a Price/Forward Earnings ratio of 4.93.
Based on the Price/Forward Earnings ratio, DLX is valued cheaper than 96.34% of the companies in the same industry.
DLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 4.93 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DLX is valued cheaply inside the industry as 86.59% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, DLX is valued cheaper than 92.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.22 | ||
| EV/EBITDA | 5.96 |
4.3 Compensation for Growth
The 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)1.08
PEG (5Y)N/A
EPS Next 2Y6.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DLX has a Yearly Dividend Yield of 5.87%, which is a nice return.
DLX's Dividend Yield is rather good when compared to the industry average which is at 2.55. DLX pays more dividend than 96.34% of the companies in the same industry.
DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.62%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
DLX pays out 94.52% 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.
DP94.52%
EPS Next 2Y6.92%
EPS Next 3YN/A
NYSE:DLX (11/19/2025, 2:58:17 PM)
18.61
-0.27 (-1.43%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners90.03%
Inst Owner Change-0.55%
Ins Owners1.68%
Ins Owner Change1.81%
Market Cap835.40M
Revenue(TTM)2.12B
Net Income(TTM)57.93M
Analysts80
Price Target27.29 (46.64%)
Short Float %6.42%
Short Ratio9.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
Yearly Dividend1.23
Dividend Growth(5Y)0.62%
DP94.52%
Div Incr Years0
Div Non Decr Years17
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.57%
Min EPS beat(2)4.59%
Max EPS beat(2)16.56%
EPS beat(4)3
Avg EPS beat(4)8.36%
Min EPS beat(4)-0.1%
Max EPS beat(4)16.56%
EPS beat(8)7
Avg EPS beat(8)8.49%
EPS beat(12)10
Avg EPS beat(12)10.41%
EPS beat(16)13
Avg EPS beat(16)7.88%
Revenue beat(2)1
Avg Revenue beat(2)-0.47%
Min Revenue beat(2)-2.05%
Max Revenue beat(2)1.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)1.1%
Revenue beat(8)2
Avg Revenue beat(8)-0.87%
Revenue beat(12)6
Avg Revenue beat(12)-0.01%
Revenue beat(16)10
Avg Revenue beat(16)0.89%
PT rev (1m)0%
PT rev (3m)0.94%
EPS NQ rev (1m)4.74%
EPS NQ rev (3m)4.16%
EPS NY rev (1m)0%
EPS NY rev (3m)3.71%
Revenue NQ rev (1m)1.11%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 4.93 | ||
| P/S | 0.4 | ||
| P/FCF | 6.22 | ||
| P/OCF | 3.64 | ||
| P/B | 1.31 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.96 |
EPS(TTM)3.56
EY19.13%
EPS(NY)3.77
Fwd EY20.27%
FCF(TTM)2.99
FCFY16.09%
OCF(TTM)5.11
OCFY27.46%
SpS46.93
BVpS14.22
TBVpS-24.47
PEG (NY)1.08
PEG (5Y)N/A
Graham Number33.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 9.07% | ||
| ROCE | 10.77% | ||
| ROIC | 7.27% | ||
| ROICexc | 7.36% | ||
| ROICexgc | 38.91% | ||
| OM | 11.08% | ||
| PM (TTM) | 2.75% | ||
| GM | 52.9% | ||
| FCFM | 6.38% |
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-Score6
Asset Turnover0.83
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.94 | ||
| Debt/EBITDA | 3.73 | ||
| Cap/Depr | 62.99% | ||
| Cap/Sales | 4.51% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 59.7% | ||
| Profit Quality | 232.03% | ||
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 1.67 |
F-Score6
WACC7.79%
ROIC/WACC0.93
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 Y4.83%
EPS Next 2Y6.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.22%
Revenue growth 3Y1.61%
Revenue growth 5Y1.1%
Sales Q2Q%2.24%
Revenue Next Year-1.35%
Revenue Next 2Y0.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.46%
EBIT growth 3Y0.23%
EBIT growth 5Y-7.07%
EBIT Next Year121.32%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y185.51%
FCF growth 3Y0.33%
FCF growth 5Y-14.61%
OCF growth 1Y37.65%
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 4 / 10 to DLX.
What is the valuation status for DLX stock?
ChartMill assigns a valuation rating of 8 / 10 to DELUXE CORP (DLX). This can be considered as Undervalued.
Can you provide the profitability details for DELUXE CORP?
DELUXE CORP (DLX) has a profitability rating of 6 / 10.
Can you provide the financial health for DLX stock?
The financial health rating of DELUXE CORP (DLX) is 1 / 10.
Is the dividend of DELUXE CORP sustainable?
The dividend rating of DELUXE CORP (DLX) is 8 / 10 and the dividend payout ratio is 94.52%.