DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

26.23 USD
+0.01 (+0.04%)
Last:

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.
  • In the past year DLX had a positive cash flow from operations.
  • Each year in the past 5 years DLX has been profitable.
  • Each year in the past 5 years DLX had a positive operating cash flow.
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 63.41% of the companies in the same industry.
  • DLX's Return On Equity of 12.07% is fine compared to the rest of the industry. DLX outperforms 69.51% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.01%, DLX is in the better half of the industry, outperforming 73.17% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for DLX is below the industry average of 10.58%.
  • 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 65.85% of its industry peers.
  • DLX's Profit Margin has improved in the last couple of years.
  • DLX has a better Operating Margin (12.07%) than 78.05% of its industry peers.
  • In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
  • With an excellent Gross Margin value of 53.00%, DLX belongs to the best of the industry, outperforming 93.90% of the companies in the same industry.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. DLX Health Analysis

2.1 Basic Checks

  • DLX has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, DLX has more shares outstanding
  • Compared to 5 years ago, DLX has more shares outstanding
  • 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

  • Based on the Altman-Z score of 1.63, we must say that DLX is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.63, DLX is in line with its industry, outperforming 46.34% of the companies in the same industry.
  • DLX has a debt to FCF ratio of 8.76. This is a slightly negative value and a sign of low solvency as DLX would need 8.76 years to pay back of 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 60.98% of the companies in the same industry.
  • DLX has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.08, DLX is doing worse than 79.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.63
ROIC/WACC1
WACC8.05%
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: 71.95% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.98 indicates that DLX may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.98, DLX is doing worse than 68.29% of the companies in the same industry.
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.
  • The Earnings Per Share has been decreasing by -6.24% on average over the past years.
  • Looking at the last year, DLX shows a small growth in Revenue. The Revenue has grown by 0.54% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 7.94% on average over the next years.
  • The Revenue is expected to grow by 1.44% on average over the next years.
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

  • 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.
  • 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

  • The Price/Earnings ratio is 7.13, which 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 92.68% of the companies listed in the same industry.
  • DLX is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 6.45, the valuation of DLX can be described as very cheap.
  • 93.90% of the companies in the same industry are more expensive than DLX, based on the Price/Forward Earnings ratio.
  • DLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 7.13
Fwd PE 6.45
DLX Price Earnings VS Forward Price EarningsDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, DLX is valued cheaply inside the industry as 89.02% 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 90.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.25
EV/EBITDA 6.51
DLX Per share dataDLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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.
  • DLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.68
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

  • DLX has a Yearly Dividend Yield of 4.50%, which is a nice return.
  • Compared to an average industry Dividend Yield of 0.80, DLX pays a better dividend. On top of this DLX pays more dividend than 93.90% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, DLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.5%

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
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.
  • DLX's earnings are growing more than its dividend. This makes the dividend growth 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 (3/20/2026, 12:04:55 PM)

26.23

+0.01 (+0.04%)

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 Change18.01%
Market Cap1.18B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target31.28 (19.25%)
Short Float %6.94%
Short Ratio6.25
Dividend
Industry RankSector Rank
Dividend Yield 4.5%
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)0%
PT rev (3m)11.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.37%
EPS NY rev (1m)5.74%
EPS NY rev (3m)6.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.28%
Valuation
Industry RankSector Rank
PE 7.13
Fwd PE 6.45
P/S 0.55
P/FCF 7.25
P/OCF 4.37
P/B 1.74
P/tB N/A
EV/EBITDA 6.51
EPS(TTM)3.68
EY14.03%
EPS(NY)4.07
Fwd EY15.5%
FCF(TTM)3.62
FCFY13.8%
OCF(TTM)6
OCFY22.88%
SpS47.32
BVpS15.09
TBVpS-24.2
PEG (NY)0.68
PEG (5Y)N/A
Graham Number35.35
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 1.63
F-Score6
WACC8.05%
ROIC/WACC1
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.


Can you provide the valuation status for DELUXE CORP?

ChartMill assigns a valuation rating of 9 / 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 7.13 and the Price/Book (PB) ratio is 1.74.


Can you provide the financial health for DLX stock?

The financial health rating of DELUXE CORP (DLX) is 2 / 10.