(DLX) Deluxe - Overview
Sector: Industrials | Industry: Conglomerates | Exchange: NYSE (USA) | Market Cap: 1.084m USD | Total Return: 66.7% in 12m
Checks, Payment Processing, Business Forms, Marketing Services
Total Rating 61
Safety 74
Buy Signal -0.18
Conglomerates
Industry Rotation: +10.6
Industry Rotation: +10.6
Market Cap:
1.08B
Avg Turnover: 12.1M
Avg Turnover: 12.1M
Risk 3d forecast
Volatility38.1%
VaR 5th Pctl6.01%
VaR vs Median-4.39%
Reward TTM
Sharpe Ratio1.27
Rel. Str. IBD70.9
Rel. Str. Peer Group81.9
Character TTM
Beta1.046
Beta Downside1.506
Hurst Exponent0.494
Drawdowns 3y
Max DD40.93%
CAGR/Max DD0.56
CAGR/Mean DD1.84
EPS (Earnings per Share)
EPS CAGR: -1.84%
EPS Trend: -13.1%
EPS Trend: -13.1%
Last SUE: 1.46
Qual. Beats: 4
Qual. Beats: 4
Revenue
Rev. CAGR: -1.83%
Rev. Trend: -85.3%
Rev. Trend: -85.3%
Last SUE: 0.32
Qual. Beats: 0
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Garp
Description: DLX Deluxe
Deluxe Corporation (NYSE: DLX) is a technology-enabled solutions provider serving small and medium-sized businesses and financial institutions across North America. The company operates through four primary segments: Merchant Services, B2B Payments, Data Solutions, and Print. Its portfolio includes payment processing, treasury management, data analytics, and traditional check printing services.
Historically known for its dominance in the check printing industry, Deluxe has transitioned its business model toward digital payment ecosystems and data-driven marketing services. This shift addresses the structural decline in physical check usage while leveraging long-standing relationships with thousands of financial institutions. The commercial printing sector remains highly fragmented, with companies increasingly diversifying into software-as-a-service (SaaS) and fintech integrations to maintain margins.
Investors may find additional insights on these segment transitions by reviewing the data available on ValueRay.
Founded in 1915 and headquartered in Minneapolis, the company utilizes a multi-channel sales strategy involving direct sales, scalable partnerships, and financial institution referrals. Its current service suite covers the full lifecycle of business transactions, from incorporation and marketing to payment authorization and fraud prevention.
- Secular decline in check volumes pressures high-margin Print segment revenue
- Growth in Merchant Services and B2B Payments offsets legacy business contraction
- Strategic transition toward technology-enabled fintech solutions determines valuation multiples
- High debt leverage makes earnings sensitive to interest rate fluctuations
- Consolidation of operational facilities impacts margin expansion and cost reduction targets
Piotroski VR‑10 (Strict)
4.0
| Net Income: 103.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 2.39 > 1.0 |
| NWC/Revenue: 2.37% < 20% (prev -1.37%; Δ 3.74% < -1%) |
| CFO/TA 0.11 > 3% & CFO 273.0m > Net Income 103.9m |
| Net Debt (1.41b) to EBITDA (411.8m): 3.42 < 3 |
| Current Ratio: 1.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.3m) vs 12m ago 2.21% < -2% |
| Gross Margin: 52.92% > 18% (prev 0.53%; Δ 5.24k% > 0.5%) |
| Asset Turnover: 83.23% > 50% (prev 82.50%; Δ 0.74% > 0%) |
| Interest Coverage Ratio: 2.30 > 6 (EBITDA TTM 411.8m / Interest Expense TTM 118.5m) |
Altman Z''
1.85
| A: 0.02 (Total Current Assets 392.6m - Total Current Liabilities 342.1m) / Total Assets 2.56b |
| B: 0.21 (Retained Earnings 537.7m / Total Assets 2.56b) |
| C: 0.11 (EBIT TTM 272.4m / Avg Total Assets 2.57b) |
| D: 0.30 (Book Value of Equity 564.2m / Total Liabilities 1.86b) |
| Altman-Z'' Score: 1.85 = BBB |
Beneish M
-3.01
| DSRI: 1.10 (Receivables 224.6m/202.3m, Revenue 2.13b/2.12b) |
| GMI: 1.00 (GM 52.92% / 52.97%) |
| AQI: 0.99 (AQ_t 0.79 / AQ_t-1 0.80) |
| SGI: 1.01 (Revenue 2.13b / 2.12b) |
| TATA: -0.07 (NI 103.9m - CFO 273.0m) / TA 2.56b) |
| Beneish M-Score: -3.01 (Cap -4..+1) = AA |
What is the price of DLX shares?
As of May 21, 2026, the stock is trading at USD 23.67 with a total of 332,529 shares traded.
Over the past week, the price has changed by +4.50%, over one month by -21.56%, over three months by -11.97% and over the past year by +66.69%.
Over the past week, the price has changed by +4.50%, over one month by -21.56%, over three months by -11.97% and over the past year by +66.69%.
Is DLX a buy, sell or hold?
Deluxe has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy DLX.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the DLX price?
| Analysts Target Price | 32.7 | 38% |
Deluxe (DLX) - Fundamental Data Overview
as of 21 May 2026
P/E Trailing = 10.4735 P/E Forward = 5.7339
P/S = 0.5076
P/B = 1.5342
P/EG = 0.4779
Revenue TTM = 2.13b USD
EBIT TTM = 272.4m USD
EBITDA TTM = 411.8m USD
Long Term Debt = 1.39b USD (from longTermDebt, last fiscal year)
Short Term Debt = 16.3m USD (from shortTermDebt, last quarter)
Debt = 1.44b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.41b USD (from netDebt column, last quarter)
Enterprise Value = 2.49b USD (1.08b + Debt 1.44b - CCE 27.2m)
Interest Coverage Ratio = 2.30 (Ebit TTM 272.4m / Interest Expense TTM 118.5m)
EV/FCF = 13.98x (Enterprise Value 2.49b / FCF TTM 178.3m)
FCF Yield = 7.15% (FCF TTM 178.3m / Enterprise Value 2.49b)
FCF Margin = 8.35% (FCF TTM 178.3m / Revenue TTM 2.13b)
Net Margin = 4.87% (Net Income TTM 103.9m / Revenue TTM 2.13b)
Gross Margin = 52.92% ((Revenue TTM 2.13b - Cost of Revenue TTM 1.01b) / Revenue TTM)
Gross Margin QoQ = 51.98% (prev 52.22%)
Tobins Q-Ratio = 0.97 (Enterprise Value 2.49b / Total Assets 2.56b)
Interest Expense / Debt = 1.93% (Interest Expense 27.7m / Debt 1.44b)
Taxrate = 23.18% (10.8m / 46.6m)
NOPAT = 209.3m (EBIT 272.4m * (1 - 23.18%))
Current Ratio = 1.15 (Total Current Assets 392.6m / Total Current Liabilities 342.1m)
Debt / Equity = 2.06 (Debt 1.44b / totalStockholderEquity, last quarter 696.8m)
Debt / EBITDA = 3.42 (Net Debt 1.41b / EBITDA 411.8m)
Debt / FCF = 7.90 (Net Debt 1.41b / FCF TTM 178.3m)
Total Stockholder Equity = 670.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.05% (Net Income 103.9m / Total Assets 2.56b)
RoE = 15.49% (Net Income TTM 103.9m / Total Stockholder Equity 670.7m)
RoCE = 13.21% (EBIT 272.4m / Capital Employed (Equity 670.7m + L.T.Debt 1.39b))
RoIC = 9.92% (NOPAT 209.3m / Invested Capital 2.11b)
WACC = 5.00% (E(1.08b)/V(2.52b) * Re(9.66%) + D(1.44b)/V(2.52b) * Rd(1.93%) * (1-Tc(0.23)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 2.19%
[DCF] Terminal Value 87.17% ; FCFF base≈154.2m ; Y1≈168.4m ; Y5≈212.9m
[DCF] Fair Price = 106.1 (EV 6.27b - Net Debt 1.41b = Equity 4.86b / Shares 45.8m; r=6.0% [WACC]; 5y FCF grow 10.46% → 3.0% )
EPS Correlation: -13.05 | EPS CAGR: -1.84% | SUE: 1.46 | # QB: 4
Revenue Correlation: -85.32 | Revenue CAGR: -1.83% | SUE: 0.32 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.81 | Chg30d=-21.55% | Revisions=-43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.99 | Chg30d=-15.43% | Revisions=-43% | Analysts=3
EPS current Year (2026-12-31): EPS=3.77 | Chg30d=-7.21% | Revisions=-43% | GrowthEPS=+2.8% | GrowthRev=-5.2%
EPS next Year (2027-12-31): EPS=4.11 | Chg30d=-4.27% | Revisions=-43% | GrowthEPS=+9.0% | GrowthRev=+0.7%
[Analyst] Revisions Ratio: -43%