DELUXE CORP (DLX) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:DLX • US2480191012

27.8 USD
-0.14 (-0.5%)
At close: Feb 6, 2026
27.8941 USD
+0.09 (+0.34%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to DLX. DLX was compared to 80 industry peers in the Commercial Services & Supplies industry. While DLX has a great profitability rating, there are quite some concerns on its financial health. DLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally DLX also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

1. Profitability

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.
  • 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 3.20% is fine compared to the rest of the industry. DLX outperforms 66.25% of its industry peers.
  • DLX has a better Return On Equity (12.46%) than 71.25% of its industry peers.
  • DLX has a better Return On Invested Capital (8.18%) than 71.25% 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 10.58%.
  • The 3 year average ROIC (7.12%) for DLX is below the current ROIC(8.18%), indicating increased profibility in the last year.
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

  • The Profit Margin of DLX (3.91%) is better than 62.50% of its industry peers.
  • In the last couple of years the Profit Margin of DLX has grown nicely.
  • With a decent Operating Margin value of 12.18%, DLX is doing good in the industry, outperforming 77.50% of the companies in the same industry.
  • In the last couple of years the Operating Margin of DLX has remained more or less at the same level.
  • DLX's Gross Margin of 53.04% is amongst the best of the industry. DLX outperforms 92.50% of its industry peers.
  • In the last couple of years the Gross Margin of DLX has declined.
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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so DLX is still creating some value.
  • DLX has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for DLX has been increased compared to 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

  • 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.
  • The Altman-Z score of DLX (1.82) 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.
  • DLX has a Debt to FCF ratio (12.14) which is in line with its industry peers.
  • A Debt/Equity ratio of 2.13 is on the high side and indicates that DLX has dependencies on debt financing.
  • The Debt to Equity ratio of DLX (2.13) is worse than 81.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.13
Debt/FCF 12.14
Altman-Z 1.82
ROIC/WACC1.03
WACC7.93%
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 0.99 indicates that DLX may have some problems paying its short term obligations.
  • With a Current ratio value of 0.99, DLX is not doing good in the industry: 75.00% 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.
  • DLX's Quick ratio of 0.91 is on the low side compared to the rest of the industry. DLX is outperformed by 71.25% of its industry peers.
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. Growth

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.
  • The Revenue has been growing slightly by 0.54% in the past year.
  • 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 5.30% 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 Y4.48%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.98%
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

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.55 indicates a rather cheap valuation of DLX.
  • 90.00% of the companies in the same industry are more expensive than DLX, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.92. DLX is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 7.23, the valuation of DLX can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DLX indicates a rather cheap valuation: DLX is cheaper than 95.00% of the companies listed in the same industry.
  • DLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 7.55
Fwd PE 7.23
DLX Price Earnings VS Forward Price EarningsDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

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 86.25% 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 90.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.48
EV/EBITDA 6.74
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.
  • DLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.69
PEG (5Y)N/A
EPS Next 2Y5.3%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.29%, DLX is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 0.81, DLX pays a better dividend. On top of this DLX pays more dividend than 93.75% 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 1.81.
Industry RankSector Rank
Dividend Yield 4.29%

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

  • 66.44% 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.
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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Find the best dividend stocksShow peers with best dividend

DELUXE CORP

NYSE:DLX (2/6/2026, 8:04:00 PM)

After market: 27.8941 +0.09 (+0.34%)

27.8

-0.14 (-0.5%)

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-1.9%
Ins Owners1.7%
Ins Owner Change1.8%
Market Cap1.25B
Revenue(TTM)2.13B
Net Income(TTM)82.73M
Analysts80
Price Target31.28 (12.52%)
Short Float %6.37%
Short Ratio6.71
Dividend
Industry RankSector Rank
Dividend Yield 4.29%
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)14.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.1%
EPS NY rev (1m)3.25%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 7.55
Fwd PE 7.23
P/S 0.59
P/FCF 10.48
P/OCF 5.47
P/B 1.88
P/tB N/A
EV/EBITDA 6.74
EPS(TTM)3.68
EY13.24%
EPS(NY)3.84
Fwd EY13.83%
FCF(TTM)2.65
FCFY9.54%
OCF(TTM)5.08
OCFY18.28%
SpS47.07
BVpS14.75
TBVpS-24.26
PEG (NY)1.69
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
WACC7.93%
ROIC/WACC1.03
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 Year0.98%
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 Year69.5%
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 7.55 and the Price/Book (PB) ratio is 1.88.


Can you provide the financial health for DLX stock?

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