DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

Current stock price

26.99 USD
-0.71 (-2.56%)
At close:
26.82 USD
-0.17 (-0.63%)
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.
  • In the past 5 years DLX has always been profitable.
  • DLX had a positive operating cash flow in each of the past 5 years.
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

  • DLX's Return On Assets of 2.87% is fine compared to the rest of the industry. DLX outperforms 64.63% of its industry peers.
  • With a decent Return On Equity value of 12.07%, DLX is doing good in the industry, outperforming 70.73% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 8.01%, DLX is in the better half of the industry, outperforming 74.39% of the companies in the same industry.
  • 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 last Return On Invested Capital (8.01%) for DLX is above the 3 year average (7.05%), which is a sign of increasing profitability.
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 67.07% of its industry peers.
  • DLX's Profit Margin has improved in the last couple of years.
  • DLX's Operating Margin of 12.07% is fine compared to the rest of the industry. DLX outperforms 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 92.68% 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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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.
  • DLX has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, DLX has more shares outstanding
  • 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

  • DLX has an Altman-Z score of 1.64. 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 1.64 is in line compared to the rest of the industry. DLX outperforms 46.34% of its industry peers.
  • 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's Debt to FCF ratio of 8.76 is fine compared to the rest of the industry. DLX outperforms 60.98% of its industry peers.
  • A Debt/Equity ratio of 2.08 is on the high side and indicates that DLX has dependencies on debt financing.
  • DLX's Debt to Equity ratio of 2.08 is on the low side compared to the rest of the industry. DLX is outperformed by 80.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF 8.76
Altman-Z 1.64
ROIC/WACC0.93
WACC8.64%
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.
  • With a Current ratio value of 1.04, DLX is not doing good in the industry: 73.17% 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.
  • The Quick ratio of DLX (0.98) is worse than 69.51% 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.
  • Measured over the past years, DLX shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.24% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 7.94% on average over the next years.
  • DLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.44% yearly.
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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Find the best growth stocksShow best growing peers

9

4. DLX Valuation Analysis

4.1 Price/Earnings Ratio

  • DLX is valuated cheaply with a Price/Earnings ratio of 7.33.
  • Based on the Price/Earnings ratio, DLX is valued cheaper than 91.46% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, DLX is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.64, 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 92.68% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. DLX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.33
Fwd PE 6.64
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

  • DLX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DLX is cheaper than 87.80% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, DLX is valued cheaper than 90.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.56
EV/EBITDA 6.64
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)0.7
PEG (5Y)N/A
EPS Next 2Y7.94%
EPS Next 3YN/A

More info and screens

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 4.33%, which is a nice return.
  • Compared to an average industry Dividend Yield of 0.84, DLX pays a better dividend. On top of this DLX pays more dividend than 92.68% of the companies listed in the same industry.
  • DLX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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 been paying a dividend for at least 10 years, so it has 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

  • 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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

DLX Fundamentals: All Metrics, Ratios and Statistics

DELUXE CORP

NYSE:DLX (3/27/2026, 8:12:13 PM)

After market: 26.82 -0.17 (-0.63%)

26.99

-0.71 (-2.56%)

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 Cap1.23B
Revenue(TTM)2.13B
Net Income(TTM)82.10M
Analysts80
Price Target33.32 (23.45%)
Short Float %6.94%
Short Ratio6.25
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 7.33
Fwd PE 6.64
P/S 0.58
P/FCF 7.56
P/OCF 4.56
P/B 1.81
P/tB N/A
EV/EBITDA 6.64
EPS(TTM)3.68
EY13.63%
EPS(NY)4.07
Fwd EY15.06%
FCF(TTM)3.57
FCFY13.23%
OCF(TTM)5.92
OCFY21.94%
SpS46.69
BVpS14.89
TBVpS-23.87
PEG (NY)0.7
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 1.64
F-Score6
WACC8.64%
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.


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 7.33 and the Price/Book (PB) ratio is 1.81.


Can you provide the financial health for DLX stock?

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