DELUXE CORP (DLX) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:DLX • US2480191012
27.95 USD
+0.59 (+2.16%)
Last: Feb 4, 2026, 02:38 PM
Overall DLX gets a fundamental rating of 5 out of 10. We evaluated DLX against 80 industry peers in the Commercial Services & Supplies industry. While DLX has a great profitability rating, there are quite some concerns on its financial health. DLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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.
- Each year in the past 5 years DLX has been profitable.
- DLX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- DLX's Return On Assets of 3.20% is fine compared to the rest of the industry. DLX outperforms 66.25% of its industry peers.
- DLX has a better Return On Equity (12.46%) than 71.25% of its industry peers.
- DLX's Return On Invested Capital of 8.18% is fine compared to the rest of the industry. DLX outperforms 71.25% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for DLX is below the industry average of 10.58%.
- 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 Rank | Sector 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%
1.3 Margins
- The Profit Margin of DLX (3.91%) is better than 62.50% of its industry peers.
- In the last couple of years the Profit Margin of DLX has grown nicely.
- The Operating Margin of DLX (12.18%) is better than 77.50% of its industry peers.
- 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 (53.04%) than 92.50% of its industry peers.
- In the last couple of years the Gross Margin of DLX has declined.
| Industry Rank | Sector 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%
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.
- 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.
- DLX has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 1.81 indicates that DLX is not a great score, but indicates only limited risk for bankruptcy at the moment.
- DLX has a Altman-Z score (1.81) which is in line with its industry peers.
- 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 of 12.14. This is comparable to the rest of the industry: DLX outperforms 55.00% of its industry peers.
- DLX has a Debt/Equity ratio of 2.13. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of DLX (2.13) is worse than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Altman-Z | 1.81 |
ROIC/WACC1.02
WACC7.99%
2.3 Liquidity
- DLX has a Current Ratio of 0.99. 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 has a worse Current ratio (0.99) 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.
- The Quick ratio of DLX (0.91) is worse than 71.25% of its industry peers.
| 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 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%.
- 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
- Based on estimates for the next years, DLX will show a small growth in Earnings Per Share. The EPS will grow by 5.30% on average per year.
- DLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.44% yearly.
EPS Next Y4.48%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.98%
Revenue Next 2Y1.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 7.60, the valuation of DLX can be described as very cheap.
- Based on the Price/Earnings ratio, DLX is valued cheaply inside the industry as 91.25% of the companies are valued more expensively.
- DLX is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
- DLX is valuated cheaply with a Price/Forward Earnings ratio of 7.27.
- 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, DLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.6 | ||
| Fwd PE | 7.27 |
4.2 Price Multiples
- 91.25% of the companies in the same industry are more expensive than DLX, based on the Enterprise Value to EBITDA ratio.
- 90.00% of the companies in the same industry are more expensive than DLX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.54 | ||
| EV/EBITDA | 6.69 |
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)1.7
PEG (5Y)N/A
EPS Next 2Y5.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- DLX has a Yearly Dividend Yield of 4.39%, which is a nice return.
- DLX's Dividend Yield is rather good when compared to the industry average which is at 0.83. DLX pays more dividend than 93.75% of the companies in the same industry.
- DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
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 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 2Y5.3%
EPS Next 3YN/A
NYSE:DLX (2/4/2026, 2:38:09 PM)
27.95
+0.59 (+2.16%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-28 2026-04-28
Inst Owners89.23%
Inst Owner Change-1.9%
Ins Owners1.7%
Ins Owner Change1.8%
Market Cap1.26B
Revenue(TTM)2.13B
Net Income(TTM)82.73M
Analysts80
Price Target31.28 (11.91%)
Short Float %6.37%
Short Ratio6.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-09 2026-02-09 (0.3)
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)0%
PT rev (3m)7.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.15%
EPS NY rev (1m)0%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.6 | ||
| Fwd PE | 7.27 | ||
| P/S | 0.59 | ||
| P/FCF | 10.54 | ||
| P/OCF | 5.5 | ||
| P/B | 1.89 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.69 |
EPS(TTM)3.68
EY13.17%
EPS(NY)3.84
Fwd EY13.76%
FCF(TTM)2.65
FCFY9.49%
OCF(TTM)5.08
OCFY18.18%
SpS47.07
BVpS14.75
TBVpS-24.26
PEG (NY)1.7
PEG (5Y)N/A
Graham Number34.95
Profitability
| Industry Rank | Sector 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 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 | 1.81 |
F-Score6
WACC7.99%
ROIC/WACC1.02
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 Year0.98%
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 Year69.5%
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 7.6 and the Price/Book (PB) ratio is 1.89.
Can you provide the financial health for DLX stock?
The financial health rating of DELUXE CORP (DLX) is 2 / 10.