DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

30.11 USD
-0.02 (-0.07%)
At close:
30.11 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

  • In the past year DLX was profitable.
  • In the past year DLX had a positive cash flow from operations.
  • Each year in the past 5 years DLX has 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 66.25% of the companies in the same industry.
  • DLX has a better Return On Equity (12.07%) than 73.75% 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for DLX is below the industry average of 9.47%.
  • The 3 year average ROIC (7.05%) for DLX is below the current ROIC(8.01%), indicating increased profibility in the last year.
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

  • DLX's Profit Margin of 3.85% is fine compared to the rest of the industry. DLX outperforms 68.75% of its industry peers.
  • DLX's Profit Margin has improved in the last couple of years.
  • DLX has a Operating Margin of 12.07%. This is in the better half of the industry: DLX outperforms 78.75% of its industry peers.
  • In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
  • Looking at the Gross Margin, with a value of 53.00%, DLX belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
  • 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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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.
  • 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 1.68. This is a bad value and indicates that DLX is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 1.68, DLX perfoms like the industry average, outperforming 46.25% of the companies in the same industry.
  • The Debt to FCF ratio of DLX is 8.76, which is on the high side as it means it would take DLX, 8.76 years of fcf income to pay off all of its debts.
  • DLX has a better Debt to FCF ratio (8.76) than 61.25% of its industry peers.
  • DLX has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of DLX (2.08) is worse than 77.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.68
ROIC/WACC0.93
WACC8.6%
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

  • DLX has a Current Ratio of 1.04. This is a normal value and indicates that DLX is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.04, DLX is doing worse than 73.75% of the companies in the same industry.
  • A Quick Ratio of 0.98 indicates that DLX may have some problems paying its short term obligations.
  • DLX has a Quick ratio of 0.98. This is in the lower half of the industry: DLX underperforms 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

  • 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.
  • DLX shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.24% yearly.
  • 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.
  • Based on estimates for the next years, DLX will show a small growth in Revenue. The Revenue will grow by 1.23% on average per year.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • A Price/Earnings ratio of 8.18 indicates a reasonable valuation of DLX.
  • 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.
  • The average S&P500 Price/Earnings ratio is at 26.54. DLX is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.33, which indicates a rather cheap valuation of DLX.
  • Based on the Price/Forward Earnings ratio, DLX is valued cheaper than 95.00% of the companies in the same industry.
  • DLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.18
Fwd PE 7.33
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

  • Based on the Enterprise Value to EBITDA ratio, DLX is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 88.75% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.43
EV/EBITDA 7.01
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)0.7
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

7

5. DLX Dividend Analysis

5.1 Amount

  • DLX has a Yearly Dividend Yield of 3.96%.
  • Compared to an average industry Dividend Yield of 0.87, DLX pays a better dividend. On top of this DLX pays more dividend than 91.25% 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 3.96%

5.2 History

  • The dividend of DLX has a limited annual growth rate of 0.50%.
  • 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)0.5%
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 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 (4/29/2026, 4:15:00 PM)

After market: 30.11 0 (0%)

30.11

-0.02 (-0.07%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Industry Strength73.29
Industry Growth45.96
Earnings (Last)01-28
Earnings (Next)05-06
Inst Owners88.22%
Inst Owner Change0.99%
Ins Owners2.3%
Ins Owner Change18.06%
Market Cap1.38B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target33.32 (10.66%)
Short Float %7.86%
Short Ratio9.29
Dividend
Industry RankSector Rank
Dividend Yield 3.96%
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)0%
EPS NQ rev (3m)10.4%
EPS NY rev (1m)1.04%
EPS NY rev (3m)10.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 8.18
Fwd PE 7.33
P/S 0.64
P/FCF 8.43
P/OCF 5.08
P/B 2.02
P/tB N/A
EV/EBITDA 7.01
EPS(TTM)3.68
EY12.22%
EPS(NY)4.11
Fwd EY13.64%
FCF(TTM)3.57
FCFY11.86%
OCF(TTM)5.92
OCFY19.67%
SpS46.69
BVpS14.89
TBVpS-23.87
PEG (NY)0.7
PEG (5Y)N/A
Graham Number35.1145 (16.62%)
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 1.68
F-Score6
WACC8.6%
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 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 7 / 10 and the dividend payout ratio is 67.23%.