DELUXE CORP (DLX) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:DLX • US2480191012
26.4 USD
-0.72 (-2.65%)
At close: Jan 30, 2026
26.4 USD
0 (0%)
After Hours: 1/30/2026, 8:04:00 PM
We assign a fundamental rating of 4 out of 10 to DLX. DLX was compared to 80 industry peers in the Commercial Services & Supplies industry. DLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. DLX is cheap, but on the other hand it scores bad on growth. Finally DLX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year DLX was profitable.
- DLX had a positive operating cash flow in the past year.
- DLX had positive earnings in 4 of the past 5 years.
- DLX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- DLX has a Return On Assets of 3.20%. This is in the better half of the industry: DLX outperforms 66.25% of its industry peers.
- Looking at the Return On Equity, with a value of 12.46%, DLX is in the better half of the industry, outperforming 71.25% of the companies in the same industry.
- DLX has a Return On Invested Capital of 7.98%. This is in the better half of the industry: DLX outperforms 71.25% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for DLX is below the industry average of 10.57%.
- The last Return On Invested Capital (7.98%) for DLX is above the 3 year average (6.34%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.2% | ||
| ROE | 12.46% | ||
| ROIC | 7.98% |
ROA(3y)1.61%
ROA(5y)1.47%
ROE(3y)7.88%
ROE(5y)7.23%
ROIC(3y)6.34%
ROIC(5y)7.11%
1.3 Margins
- The Profit Margin of DLX (3.91%) is better than 62.50% of its industry peers.
- DLX's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 12.18%, DLX is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
- DLX's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 53.04%, DLX belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
- In the last couple of years the Gross Margin of DLX has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.18% | ||
| PM (TTM) | 3.91% | ||
| GM | 53.04% |
OM growth 3Y-1.37%
OM growth 5Y-8.08%
PM growth 3Y-7.02%
PM growth 5YN/A
GM growth 3Y-1.92%
GM growth 5Y-2.26%
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.
- There is no outstanding debt for DLX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- DLX has an Altman-Z score of 1.80. This is a bad value and indicates that DLX is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 1.80, DLX perfoms like the industry average, outperforming 47.50% of the companies in the same industry.
- DLX has a debt to FCF ratio of 12.14. This is a negative value and a sign of low solvency as DLX would need 12.14 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 12.14, DLX perfoms like the industry average, outperforming 55.00% of the companies in the same industry.
- A Debt/Equity ratio of 2.13 is on the high side and indicates that DLX has dependencies on debt financing.
- DLX has a worse Debt to Equity ratio (2.13) than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.13 | ||
| Debt/FCF | 12.14 | ||
| Altman-Z | 1.8 |
ROIC/WACC1
WACC7.97%
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: 75.00% of the companies in the same industry are doing better.
- A Quick Ratio of 0.91 indicates that DLX may have some problems paying its short term obligations.
- With a Quick ratio value of 0.91, DLX is not doing good in the industry: 71.25% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.91 |
3. Growth
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.
EPS 1Y (TTM)11.52%
EPS 3Y-3.3%
EPS 5Y-6.24%
EPS Q2Q%14.29%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.84%
3.2 Future
- The Earnings Per Share is expected to grow by 4.91% 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 1.05% yearly.
EPS Next Y1.18%
EPS Next 2Y4.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.7%
Revenue Next 2Y1.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.17, the valuation of DLX can be described as very cheap.
- Based on the Price/Earnings ratio, DLX is valued cheaper than 92.50% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, DLX is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.09, which indicates a rather cheap valuation of DLX.
- 95.00% 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 (25.57), we can say DLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.17 | ||
| Fwd PE | 7.09 |
4.2 Price Multiples
- DLX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DLX is cheaper than 91.25% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, DLX is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.95 | ||
| EV/EBITDA | 6.58 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates DLX does not grow enough to justify the current Price/Earnings ratio.
- DLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)6.06
PEG (5Y)N/A
EPS Next 2Y4.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- DLX has a Yearly Dividend Yield of 4.42%, which is a nice return.
- DLX's Dividend Yield is rather good when compared to the industry average which is at 0.83. DLX pays more dividend than 93.75% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, DLX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
5.2 History
- The dividend of DLX has a limited annual growth rate of 0.62%.
- 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)0.62%
Div Incr Years0
Div Non Decr Years17
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 2Y4.91%
EPS Next 3YN/A
DELUXE CORP / DLX FAQ
What is the fundamental rating for DLX stock?
ChartMill assigns a fundamental rating of 4 / 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 6 / 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 7.17 and the Price/Book (PB) ratio is 1.79.
Can you provide the financial health for DLX stock?
The financial health rating of DELUXE CORP (DLX) is 1 / 10.