DLX Stock Analysis: Deluxe | NYSE

Payment Processing, Check Printing, Data Analytics, Promotional Items

Total Rating 47

Safety 76

Buy Signal -0.40

Conglomerates
Industry Rotation: -0.6

Market Cap: 1.08B
Avg Turnover: 11.2M

Risk 3d forecast

Volatility37.2%

VaR 5^th Pctl5.97%

VaR vs Median-2.73%

Reward TTM

Sharpe Ratio0.68

Rel. Str. IBD48.1

Rel. Str. Peer Group45.5

Character TTM

Beta0.706

Beta Downside0.744

Hurst Exponent0.496

Drawdowns 3y

Max DD40.93%

CAGR/Max DD0.30

CAGR/Mean DD0.90

EPS (Earnings per Share)

EPS CAGR: 4.17%
EPS Trend: 61.3%

Last SUE: 1.44
Qual. Beats: 5

Revenue

Rev. CAGR: -1.45%
Rev. Trend: -81.3%

Last SUE: 1.34
Qual. Beats: 1

Warnings

Below Avwap Earnings

Below Sma 200d

Tailwinds

Garp

Seasonality 11.6 years of data

Jan +1.9% 8

Feb +1.2% 21

Mar -1.1% 19

Apr -0.6% 8

May -2.0% 16

Jun +0.2% 5

Jul +3.3% 33

Aug +0.5% 0

Sep -5.2% 46

Oct -5.7% 46

Nov +10.6% 46

Dec +1.4% 0

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: DLX Deluxe

Deluxe Corporation (NYSE: DLX) is a business services and payments company that provides technology-enabled solutions to small and medium-sized businesses, financial institutions, nonprofits, and government organizations across the United States and Canada. The company operates through four segments: Merchant Services, B2B Payments, Data Solutions, and Print.

Its offerings span payment processing, debit and credit card authorization, treasury management solutions (including remote deposit capture, lockbox processing, and integrated accounts payable disbursements), fraud and security services, data and marketing analytics, business incorporation services, printed personal and business checks, business forms and accessories, and branded promotional and digital storefront solutions. Distribution channels include financial institutions, SMBs across various industries, large multinational corporations, and scalable partnerships.

Despite its GICS classification under Commercial Printing, Deluxe has evolved significantly from its origins as a check printer, with payments and data services now representing a meaningful portion of its business mix alongside its legacy print operations. Founded in 1915 and headquartered in Minneapolis, Minnesota, the company was originally called Deluxe Check Printers, Incorporated before adopting its current name in 1988.

Headlines to Watch Out For

Merchant Services revenue growth drives overall top-line expansion
Legacy Print segment declines amid accelerating check erosion
Fintech competition pressures Merchant Services margins and pricing

Piotroski VR-10 (Strict) 2.0

Net Income: 100.6m TTM > 0 and > 6% of Revenue
FCF/TA: 0.09 > 0.02 and ΔFCF/TA 3.92 > 1.0
NWC/Revenue: 2.90% < 20% (prev -1.00%; Δ 3.90% < -1%)
CFO/TA 0.14 > 3% & CFO 355.8m > Net Income 100.6m
Net Debt (1.55b) to EBITDA (397.6m): 3.90 < 3
Current Ratio: 1.20 > 1.5 & < 3
Outstanding Shares: last quarter (46.6m) vs 12m ago 3.06% < -2%
Gross Margin: 52.53% > 18% (prev 52.94%; Δ -0.41% > 0.5%)
Asset Turnover: 82.90% > 50% (prev 83.10%; Δ -0.20% > 0%)
Interest Coverage Ratio: 2.21 > 6 (EBIT TTM 255.5m / Interest Expense TTM 115.5m)

Altman Z'' 1.92

A: 0.02 (Total Current Assets 374.1m - Total Current Liabilities 312.9m) / Total Assets 2.56b
B: 0.21 (Retained Earnings 542.6m / Total Assets 2.56b)
C: 0.10 (EBIT TTM 255.5m / Avg Total Assets 2.55b)
D: 0.38 (Book Value of Equity 707.5m / Total Liabilities 1.85b)
Altman-Z'' = 1.92 = BBB

Beneish M -3.19

DSRI: 0.82 (Receivables 169.2m/206.1m, Revenue 2.11b/2.11b)
GMI: 1.01 (GM 52.94% / 52.53%)
AQI: 0.97 (AQ_t 0.78 / AQ_t-1 0.80)
SGI: 1.00 (Revenue 2.11b / 2.11b)
TATA: -0.10 (NI 100.6m - CFO 355.8m) / TA 2.56b)
Beneish M = -3.19 (Cap -4..+1) = AA

What is the price of DLX shares?

As of August 25, 2026, the stock is trading at USD 24.08 with a total of 358,998 shares traded. Over the past week, the price has changed by +0.46%, over one month by -6.30%, over three months by +2.19% and over the past year by +27.39%.

Current recommended Stop Loss: 23.00 (which is 4.5% or 1.3 ATR below the current price).

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	35.7%

Deluxe (DLX) - Fundamental Data Overview as of 22 August 2026

Market Cap USD = 1.08b (1.08b USD * 1.0 USD.USD)
P/E Trailing = 10.9814
P/E Forward = 6.6401
P/S = 0.5124
P/B = 1.5491
P/EG = 0.5532
Revenue TTM = 2.11b USD
EBIT TTM = 255.5m USD
EBITDA TTM = 397.6m USD
Long Term Debt = 1.35b USD (from longTermDebt, last quarter)
Short Term Debt = 111.4m USD (from shortTermDebt, last quarter)
Debt = 1.58b USD (from shortLongTermDebtTotal, last quarter) + Leases 121.1m
Net Debt = 1.55b USD (calculated: Debt 1.58b - CCE 34.9m)
Enterprise Value = 2.63b USD (1.08b + Debt 1.58b - CCE 34.9m)
Interest Coverage Ratio = 2.21 (Ebit TTM 255.5m / Interest Expense TTM 115.5m)
EV/FCF = 11.14x (Enterprise Value 2.63b / FCF TTM 236.4m)
FCF Yield = 8.98% (FCF TTM 236.4m / Enterprise Value 2.63b)
FCF Margin = 11.19% (FCF TTM 236.4m / Revenue TTM 2.11b)
Net Margin = 4.76% (Net Income TTM 100.6m / Revenue TTM 2.11b)
Gross Margin = 52.53% ((Revenue TTM 2.11b - Cost of Revenue TTM 1.00b) / Revenue TTM)
Gross Margin QoQ = 51.99% (prev 51.98%)
Tobins Q-Ratio = 1.03 (Enterprise Value 2.63b / Total Assets 2.56b)
Interest Expense / Debt = 7.29% (Interest Expense 115.5m / Debt 1.58b)
Taxrate = 30.42% (44.0m / 144.8m)
NOPAT = 177.8m (EBIT 255.5m * (1 - 30.42%))
Current Ratio = 1.20 (Total Current Assets 374.1m / Total Current Liabilities 312.9m)
Debt / Equity = 2.24 (Debt 1.58b / totalStockholderEquity, last quarter 707.5m)
Debt / EBITDA = 3.90 (Net Debt 1.55b / EBITDA 397.6m)
Debt / FCF = 6.56 (Net Debt 1.55b / FCF TTM 236.4m)
Total Stockholder Equity = 688.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.95% (Net Income 100.6m / Total Assets 2.56b)
RoE = 14.63% (Net Income TTM 100.6m / Total Stockholder Equity 688.0m)
RoCE = 12.53% (EBIT 255.5m / Capital Employed (Equity 688.0m + L.T.Debt 1.35b))
RoIC = 7.64% (NOPAT 177.8m / Invested Capital 2.33b)
WACC = 6.45% (E(1.08b)/V(2.67b) * Re(8.47%) + D(1.58b)/V(2.67b) * Rd(7.29%) * (1-Tc(0.30)))
Discount Rate = 8.47% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 97.76 | Cagr: 2.07%
[DCF] Terminal Value 77.97% ; FCFF base≈195.6m ; Y1≈224.2m ; Y5≈330.0m
[DCF] Fair Price = 74.50 (EV 4.97b - Net Debt 1.55b = Equity 3.42b / Shares 45.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 61.34 | EPS CAGR: 4.17% | SUE: 1.44 | # QB: 5
Revenue Correlation: -81.34 | Revenue CAGR: -1.45% | SUE: 1.34 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.95 | Chg30d=-3.72% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.78 | Chg30d=+0.18% | Revisions=+0% | GrowthEPS=+3.0% | GrowthRev=-1.5%
EPS next Year (2027-12-31): EPS=4.08 | Chg30d=-0.73% | Revisions=-25% | GrowthEPS=+8.0% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: -38% (up=1, down=4)