DELUXE CORP (DLX) Fundamental Analysis & Valuation

NYSE:DLX • US2480191012

28.13 USD
+0.17 (+0.61%)
At close: Mar 4, 2026
28.13 USD
0 (0%)
After Hours: 3/4/2026, 8:20:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This DLX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall DLX gets a fundamental rating of 5 out of 10. We evaluated DLX against 81 industry peers in the Commercial Services & Supplies industry. DLX has an excellent profitability rating, but there are concerns on its financial health. DLX is valued quite cheap, while showing a decent growth score. This is a good combination! DLX also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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

  • With a decent Return On Assets value of 3.20%, DLX is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • With a decent Return On Equity value of 12.46%, DLX is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • DLX's Return On Invested Capital of 8.18% is fine compared to the rest of the industry. DLX outperforms 72.84% of its industry peers.
  • DLX had an Average Return On Invested Capital over the past 3 years of 7.12%. This is below the industry average of 10.49%.
  • 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 RankSector 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%
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 Profit Margin of 3.91%. This is in the better half of the industry: DLX outperforms 64.20% of its industry peers.
  • In the last couple of years the Profit Margin of DLX has grown nicely.
  • DLX has a Operating Margin of 12.18%. This is in the better half of the industry: DLX outperforms 76.54% 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 93.83% of its industry peers.
  • DLX's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), DLX is creating some value.
  • Compared to 1 year ago, DLX has more shares outstanding
  • Compared to 5 years ago, DLX has more shares outstanding
  • DLX has a better debt/assets ratio than last year.
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

  • An Altman-Z score of 1.82 indicates that DLX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • DLX has a Altman-Z score (1.82) which is comparable to the rest of the industry.
  • The Debt to FCF ratio of DLX is 12.14, which is on the high side as it means it would take DLX, 12.14 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of DLX (12.14) is comparable to the rest of the industry.
  • DLX has a Debt/Equity ratio of 2.13. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.13, DLX is not doing good in the industry: 80.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.13
Debt/FCF 12.14
Altman-Z 1.82
ROIC/WACC1.01
WACC8.09%
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 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.
  • With a Current ratio value of 0.99, 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 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.
  • Looking at the Quick ratio, with a value of 0.91, DLX is doing worse than 70.37% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.91
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.
  • 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

  • DLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.30% yearly.
  • 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 Y4.48%
EPS Next 2Y5.3%
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.
  • 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

8

4. DLX Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.64, which indicates a rather cheap valuation of DLX.
  • Based on the Price/Earnings ratio, DLX is valued cheaper than 91.36% of the companies in the same industry.
  • DLX is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
  • DLX is valuated cheaply with a Price/Forward Earnings ratio of 7.32.
  • 95.06% of the companies in the same industry are more expensive than DLX, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. DLX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.64
Fwd PE 7.32
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 88.89% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 90.12% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.6
EV/EBITDA 6.76
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of DLX may justify a higher PE ratio.
PEG (NY)1.71
PEG (5Y)N/A
EPS Next 2Y5.3%
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

  • With a Yearly Dividend Yield of 4.21%, DLX is a good candidate for dividend investing.
  • DLX's Dividend Yield is rather good when compared to the industry average which is at 0.79. DLX pays more dividend than 93.83% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, DLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.21%

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

  • DLX pays out 66.44% 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.
DP66.44%
EPS Next 2Y5.3%
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 (3/4/2026, 8:20:15 PM)

After market: 28.13 0 (0%)

28.13

+0.17 (+0.61%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners89.23%
Inst Owner Change-0.2%
Ins Owners1.7%
Ins Owner Change18.15%
Market Cap1.27B
Revenue(TTM)2.13B
Net Income(TTM)82.73M
Analysts80
Price Target31.28 (11.2%)
Short Float %6.98%
Short Ratio6.22
Dividend
Industry RankSector Rank
Dividend Yield 4.21%
Yearly Dividend1.24
Dividend Growth(5Y)0.5%
DP66.44%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-09
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)6.98%
PT rev (3m)8.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)3.25%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 7.64
Fwd PE 7.32
P/S 0.6
P/FCF 10.6
P/OCF 5.54
P/B 1.91
P/tB N/A
EV/EBITDA 6.76
EPS(TTM)3.68
EY13.08%
EPS(NY)3.84
Fwd EY13.67%
FCF(TTM)2.65
FCFY9.43%
OCF(TTM)5.08
OCFY18.07%
SpS47.08
BVpS14.75
TBVpS-24.27
PEG (NY)1.71
PEG (5Y)N/A
Graham Number34.95
Profitability
Industry RankSector 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 RankSector 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 1.82
F-Score6
WACC8.09%
ROIC/WACC1.01
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 Year1.22%
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 Year73.41%
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 7.64 and the Price/Book (PB) ratio is 1.91.


Can you provide the financial health for DLX stock?

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