DELUXE CORP (DLX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:DLX - US2480191012 - Common Stock
21.66 USD
+0.31 (+1.45%)
We assign a fundamental rating of 5 out of 10 to DLX. DLX was compared to 82 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 valued quite cheap, but it does not seem to be growing. 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.
In the past 5 years DLX has always been profitable.
DLX had a positive operating cash flow in each of the past 5 years.
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 62.20% of the companies in the same industry.
DLX has a better Return On Equity (12.46%) than 70.73% of its industry peers.
With a decent Return On Invested Capital value of 7.98%, DLX is doing good in the industry, outperforming 70.73% of the companies in the same industry.
DLX had an Average Return On Invested Capital over the past 3 years of 6.34%. This is below the industry average of 10.25%.
The 3 year average ROIC (6.34%) for DLX is below the current ROIC(7.98%), indicating increased profibility in the last year.
| 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 line with its industry, outperforming 59.76% of the companies in the same industry.
In the last couple of years the Profit Margin of DLX has declined.
With a decent Operating Margin value of 12.18%, DLX is doing good in the industry, outperforming 79.27% of the companies in the same industry.
DLX's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 53.04%, DLX belongs to the best of the industry, outperforming 92.68% of the companies in the same industry.
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
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.
Compared to 5 years ago, DLX has more shares outstanding
The debt/assets ratio for DLX is higher compared to a year ago.
2.2 Solvency
DLX has an Altman-Z score of 1.73. This is a bad value and indicates that DLX is not financially healthy and even has some risk of bankruptcy.
DLX's Altman-Z score of 1.73 is in line compared to the rest of the industry. DLX outperforms 43.90% of 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's Debt to FCF ratio of 12.14 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 2.13. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.13, DLX is doing worse than 81.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Altman-Z | 1.73 |
ROIC/WACC1
WACC7.97%
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's Current ratio of 0.99 is on the low side compared to the rest of the industry. DLX is outperformed by 74.39% 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 70.73% 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 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.
The Revenue has decreased by -0.94% in the past year.
The Revenue has been growing slightly by 1.10% on average over the past years.
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
DLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.07% yearly.
DLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.42% yearly.
EPS Next Y7.04%
EPS Next 2Y7.42%
EPS Next 3Y7.07%
EPS Next 5YN/A
Revenue Next Year-0.97%
Revenue Next 2Y0.05%
Revenue Next 3Y0.42%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.08, the valuation of DLX can be described as very cheap.
95.12% of the companies in the same industry are more expensive than DLX, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.29, DLX is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.69, the valuation of DLX can be described as very cheap.
DLX's Price/Forward Earnings ratio is rather cheap when compared to the industry. DLX is cheaper than 97.56% of the companies in the same industry.
DLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.08 | ||
| Fwd PE | 5.69 |
4.2 Price Multiples
90.24% of the companies in the same industry are more expensive than DLX, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 91.46% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.16 | ||
| EV/EBITDA | 6.01 |
4.3 Compensation for Growth
DLX's 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)0.86
PEG (5Y)N/A
EPS Next 2Y7.42%
EPS Next 3Y7.07%
5. Dividend
5.1 Amount
DLX has a Yearly Dividend Yield of 5.81%, which is a nice return.
DLX's Dividend Yield is rather good when compared to the industry average which is at 2.46. DLX pays more dividend than 97.56% of the companies in the same industry.
DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
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 2Y7.42%
EPS Next 3Y7.07%
NYSE:DLX (12/10/2025, 10:16:07 AM)
21.66
+0.31 (+1.45%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners89.06%
Inst Owner Change-0.46%
Ins Owners1.7%
Ins Owner Change1.87%
Market Cap974.92M
Revenue(TTM)2.12B
Net Income(TTM)82.73M
Analysts80
Price Target28.05 (29.5%)
Short Float %6.93%
Short Ratio10.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
Yearly Dividend1.23
Dividend Growth(5Y)0.62%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-Date
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)2.8%
PT rev (3m)2.8%
EPS NQ rev (1m)-3.2%
EPS NQ rev (3m)-7.24%
EPS NY rev (1m)2.12%
EPS NY rev (3m)2.12%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.08 | ||
| Fwd PE | 5.69 | ||
| P/S | 0.46 | ||
| P/FCF | 8.16 | ||
| P/OCF | 4.26 | ||
| P/B | 1.47 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.01 |
EPS(TTM)3.56
EY16.44%
EPS(NY)3.81
Fwd EY17.58%
FCF(TTM)2.65
FCFY12.25%
OCF(TTM)5.08
OCFY23.46%
SpS47.07
BVpS14.75
TBVpS-24.26
PEG (NY)0.86
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 | 1.73 |
F-Score7
WACC7.97%
ROIC/WACC1
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 Y7.04%
EPS Next 2Y7.42%
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-0.97%
Revenue Next 2Y0.05%
Revenue Next 3Y0.42%
Revenue Next 5YN/A
EBIT growth 1Y21.25%
EBIT growth 3Y0.23%
EBIT growth 5Y-7.07%
EBIT Next Year124.94%
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.
What is the valuation status for DLX stock?
ChartMill assigns a valuation rating of 9 / 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 66.44%.