DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

27.67 USD
-0.24 (-0.86%)
At close:
27.67 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

  • 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.
  • 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

  • The Return On Assets of DLX (2.87%) is better than 64.20% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.07%, DLX is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • DLX has a Return On Invested Capital of 8.01%. This is in the better half of the industry: DLX outperforms 74.07% of its industry peers.
  • DLX had an Average Return On Invested Capital over the past 3 years of 7.05%. This is below the industry average of 10.18%.
  • 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 has a better Profit Margin (3.85%) than 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of DLX has grown nicely.
  • DLX has a Operating Margin of 12.07%. This is in the better half of the industry: DLX outperforms 77.78% of its industry peers.
  • In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
  • The Gross Margin of DLX (53.00%) is better than 92.59% of its industry peers.
  • DLX's Gross Margin has declined in the last couple of years.
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.
  • DLX has more shares outstanding than it did 1 year ago.
  • DLX has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, DLX has an improved debt to assets ratio.
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

  • Based on the Altman-Z score of 1.65, we must say that DLX is in the distress zone and has some risk of bankruptcy.
  • DLX has a Altman-Z score (1.65) which is comparable to the rest of the 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.
  • Looking at the Debt to FCF ratio, with a value of 8.76, DLX is in the better half of the industry, outperforming 60.49% of the companies in the same industry.
  • A Debt/Equity ratio of 2.08 is on the high side and indicates that DLX has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.08, DLX is not doing good in the industry: 81.48% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.65
ROIC/WACC0.93
WACC8.61%
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 1.04 indicates that DLX should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.04, DLX is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
  • DLX has a Quick Ratio of 1.04. 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 Quick ratio (0.98) than 70.37% 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

  • The Earnings Per Share has grown by an nice 11.52% over the past year.
  • The Earnings Per Share has been decreasing by -6.24% on average over the past years.
  • DLX shows a small growth in Revenue. In the last year, the Revenue has grown by 0.54%.
  • Measured over the past years, DLX shows a small growth in Revenue. The Revenue has been growing by 3.56% on average per year.
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 7.94% on average per year.
  • Based on estimates for the next years, DLX will show a small growth in Revenue. The Revenue will grow by 1.44% on average per year.
EPS Next Y10.47%
EPS Next 2Y7.94%
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

  • 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.
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 7.52 indicates a rather cheap valuation of DLX.
  • Compared to the rest of the industry, the Price/Earnings ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 92.59% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, DLX is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.81, which indicates a rather cheap valuation of DLX.
  • 91.36% of the companies in the same industry are more expensive than DLX, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of DLX to the average of the S&P500 Index (22.84), we can say DLX is valued rather cheaply.
Industry RankSector Rank
PE 7.52
Fwd PE 6.81
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

  • 87.65% of the companies in the same industry are more expensive than DLX, based on the Enterprise Value to EBITDA ratio.
  • 90.12% of the companies in the same industry are more expensive than DLX, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.75
EV/EBITDA 6.72
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)0.72
PEG (5Y)N/A
EPS Next 2Y7.94%
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 4.33%, DLX is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 0.85, DLX pays a better dividend. On top of this DLX pays more dividend than 92.59% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, DLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.33%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

  • 67.23% 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.
DP67.23%
EPS Next 2Y7.94%
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 (4/2/2026, 8:19:32 PM)

After market: 27.67 0 (0%)

27.67

-0.24 (-0.86%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners89.74%
Inst Owner Change-0.17%
Ins Owners2.32%
Ins Owner Change18.06%
Market Cap1.26B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target33.32 (20.42%)
Short Float %7.77%
Short Ratio6.91
Dividend
Industry RankSector Rank
Dividend Yield 4.33%
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP67.23%
Div Incr Years0
Div Non Decr Years17
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)3.79%
EPS NQ rev (3m)10.4%
EPS NY rev (1m)5.74%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
Industry RankSector Rank
PE 7.52
Fwd PE 6.81
P/S 0.59
P/FCF 7.75
P/OCF 4.67
P/B 1.86
P/tB N/A
EV/EBITDA 6.72
EPS(TTM)3.68
EY13.3%
EPS(NY)4.07
Fwd EY14.69%
FCF(TTM)3.57
FCFY12.91%
OCF(TTM)5.92
OCFY21.4%
SpS46.69
BVpS14.89
TBVpS-23.87
PEG (NY)0.72
PEG (5Y)N/A
Graham Number35.11
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 1.65
F-Score6
WACC8.61%
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 Y10.47%
EPS Next 2Y7.94%
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 1Y18.46%
EBIT growth 3Y6.55%
EBIT growth 5Y2.59%
EBIT Next Year73.41%
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 10.47% in the next year.


How sustainable is the dividend of DELUXE CORP (DLX) stock?

The dividend rating of DELUXE CORP (DLX) is 8 / 10 and the dividend payout ratio is 67.23%.