(DLX) Deluxe - Overview

Sector: Industrials | Industry: Conglomerates | Exchange: NYSE (USA) | Market Cap: 1.258m USD | Total Return: 87% in 12m

Stock Payment Processing, Data Services, Print Solutions, Business Forms
Total Rating 65
Risk 71
Buy Signal 0.92
Conglomerates -0.8
Commercial Printing -3.3
Market Cap: 1,258m
Avg Trading Vol: 9.48M USD
ATR: 2.96%
Peers RS (IBD): 99.0
Risk 5d forecast
Volatility37.1%
Rel. Tail Risk-12.1%
Reward TTM
Sharpe Ratio1.55
Alpha61.00
Character TTM
Beta1.352
Beta Downside1.981
Drawdowns 3y
Max DD40.93%
CAGR/Max DD0.70
EPS (Earnings per Share) EPS (Earnings per Share) of DLX over the last years for every Quarter: "2021-03": 1.26, "2021-06": 1.25, "2021-09": 1.1, "2021-12": 1.26, "2022-03": 1.05, "2022-06": 0.99, "2022-09": 0.99, "2022-12": 1.04, "2023-03": 0.8, "2023-06": 0.93, "2023-09": 0.79, "2023-12": 0.8, "2024-03": 0.76, "2024-06": 0.86, "2024-09": 0.84, "2024-12": 0.28, "2025-03": 0.75, "2025-06": 0.88, "2025-09": 1.09, "2025-12": 0.96,
EPS CAGR: -2.36%
EPS Trend: -26.7%
Last SUE: 1.39
Qual. Beats: 3
Revenue Revenue of DLX over the last years for every Quarter: 2021-03: 441.264, 2021-06: 478.216, 2021-09: 532.141, 2021-12: 570.575, 2022-03: 556.015, 2022-06: 562.953, 2022-09: 555.038, 2022-12: 564.004, 2023-03: 545.365, 2023-06: 571.686, 2023-09: 537.844, 2023-12: 537.364, 2024-03: 534.955, 2024-06: 537.816, 2024-09: 528.444, 2024-12: 520.546, 2025-03: 536.471, 2025-06: 521.262, 2025-09: 540.247, 2025-12: 535.3,
Rev. CAGR: -1.01%
Rev. Trend: -75.0%
Last SUE: 2.22
Qual. Beats: 2
Description: DLX Deluxe March 04, 2026

Deluxe Corporation (DLX) provides technology-enabled solutions to small and medium-sized businesses and financial institutions in the US and Canada. The company operates in four segments: Merchant Services, B2B Payments, Data Solutions, and Print. This diversified business model helps mitigate risk associated with reliance on a single product or service.

The Merchant Services segment includes credit/debit card processing. B2B Payments offers treasury management, remittance, and accounts payable solutions. The Data Solutions segment provides data, analytics, and marketing services. The Print segment, historically the companys core business as Deluxe Check Printers, includes checks and business forms. Commercial printing is a mature industry with evolving digital alternatives.

DLX sells through various channels: financial institutions, SMEs, large corporations, and partnerships. For further in-depth analysis of DLXs financial performance and market position, consider exploring its profile on ValueRay.

Headlines to Watch Out For
  • Small business spending directly impacts Merchant Services and B2B Payments revenue
  • Financial institution partnerships drive Data Solutions and Print segment sales
  • Interest rate changes influence small business borrowing and payment processing
  • Competition from fintech companies pressures Deluxes market share
  • Regulatory changes in payment processing affect compliance costs
Piotroski VR‑10 (Strict, 0-10) 3.5
Net Income: 85.2m TTM > 0 and > 6% of Revenue
FCF/TA: 0.06 > 0.02 and ΔFCF/TA 2.59 > 1.0
NWC/Revenue: 1.06% < 20% (prev -0.65%; Δ 1.71% < -1%)
CFO/TA 0.09 > 3% & CFO 270.6m > Net Income 85.2m
Net Debt (1.24b) to EBITDA (379.0m): 3.27 < 3
Current Ratio: 1.04 > 1.5 & < 3
Outstanding Shares: last quarter (45.9m) vs 12m ago 2.23% < -2%
Gross Margin: 53.01% > 18% (prev 0.53%; Δ 5.25k% > 0.5%)
Asset Turnover: 74.92% > 50% (prev 74.95%; Δ -0.02% > 0%)
Interest Coverage Ratio: 2.01 > 6 (EBITDA TTM 379.0m / Interest Expense TTM 122.0m)
Altman Z'' 1.48
A: 0.01 (Total Current Assets 665.8m - Total Current Liabilities 643.2m) / Total Assets 2.86b
B: 0.18 (Retained Earnings 515.9m / Total Assets 2.86b)
C: 0.09 (EBIT TTM 245.2m / Avg Total Assets 2.85b)
D: 0.25 (Book Value of Equity 542.4m / Total Liabilities 2.18b)
Altman-Z'' Score: 1.48 = BB
Beneish M -3.02
DSRI: 1.09 (Receivables 220.1m/200.8m, Revenue 2.13b/2.12b)
GMI: 1.00 (GM 53.01% / 53.09%)
AQI: 0.99 (AQ_t 0.72 / AQ_t-1 0.73)
SGI: 1.01 (Revenue 2.13b / 2.12b)
TATA: -0.06 (NI 85.2m - CFO 270.6m) / TA 2.86b)
Beneish M-Score: -3.02 (Cap -4..+1) = AA
What is the price of DLX shares? As of April 02, 2026, the stock is trading at USD 27.54 with a total of 353,065 shares traded.
Over the past week, the price has changed by -0.18%, over one month by +0.25%, over three months by +27.15% and over the past year by +86.95%.
Is DLX a buy, sell or hold? Deluxe has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy DLX.
  • StrongBuy: 2
  • Buy: 0
  • Hold: 1
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the DLX price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 32.7 18.6%
Analysts Target Price 32.7 18.6%
DLX Fundamental Data Overview April 01, 2026
P/E Trailing = 15.3
P/E Forward = 5.6883
P/S = 0.5899
P/B = 1.3653
P/EG = 0.474
Revenue TTM = 2.13b USD
EBIT TTM = 245.2m USD
EBITDA TTM = 379.0m USD
Long Term Debt = 1.41b USD (from longTermDebt, last quarter)
Short Term Debt = 30.1m USD (from shortTermDebt, last quarter)
Debt = 1.55b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.24b USD (from netDebt column, last quarter)
Enterprise Value = 2.77b USD (1.26b + Debt 1.55b - CCE 36.9m)
Interest Coverage Ratio = 2.01 (Ebit TTM 245.2m / Interest Expense TTM 122.0m)
EV/FCF = 15.80x (Enterprise Value 2.77b / FCF TTM 175.3m)
FCF Yield = 6.33% (FCF TTM 175.3m / Enterprise Value 2.77b)
FCF Margin = 8.22% (FCF TTM 175.3m / Revenue TTM 2.13b)
Net Margin = 4.00% (Net Income TTM 85.2m / Revenue TTM 2.13b)
Gross Margin = 53.01% ((Revenue TTM 2.13b - Cost of Revenue TTM 1.00b) / Revenue TTM)
Gross Margin QoQ = 52.21% (prev 53.89%)
Tobins Q-Ratio = 0.97 (Enterprise Value 2.77b / Total Assets 2.86b)
Interest Expense / Debt = 1.89% (Interest Expense 29.3m / Debt 1.55b)
Taxrate = 39.60% (9.90m / 25.0m)
NOPAT = 148.1m (EBIT 245.2m * (1 - 39.60%))
Current Ratio = 1.04 (Total Current Assets 665.8m / Total Current Liabilities 643.2m)
Debt / Equity = 2.26 (Debt 1.55b / totalStockholderEquity, last quarter 683.8m)
Debt / EBITDA = 3.27 (Net Debt 1.24b / EBITDA 379.0m)
Debt / FCF = 7.06 (Net Debt 1.24b / FCF TTM 175.3m)
Total Stockholder Equity = 652.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.99% (Net Income 85.2m / Total Assets 2.86b)
RoE = 13.07% (Net Income TTM 85.2m / Total Stockholder Equity 652.1m)
RoCE = 11.87% (EBIT 245.2m / Capital Employed (Equity 652.1m + L.T.Debt 1.41b))
RoIC = 7.01% (NOPAT 148.1m / Invested Capital 2.11b)
WACC = 5.45% (E(1.26b)/V(2.81b) * Re(10.74%) + D(1.55b)/V(2.81b) * Rd(1.89%) * (1-Tc(0.40)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.02%
[DCF] Terminal Value 86.83% ; FCFF base≈145.1m ; Y1≈152.8m ; Y5≈179.6m
[DCF] Fair Price = 89.03 (EV 5.31b - Net Debt 1.24b = Equity 4.07b / Shares 45.7m; r=6.0% [WACC]; 5y FCF grow 5.72% → 3.0% )
EPS Correlation: -26.67 | EPS CAGR: -2.36% | SUE: 1.39 | # QB: 3
Revenue Correlation: -75.01 | Revenue CAGR: -1.01% | SUE: 2.22 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.04 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=4.07 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+10.8% | Growth Revenue=+0.3%
EPS next Year (2027-12-31): EPS=4.30 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+5.7% | Growth Revenue=+1.2%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.2% (Discount Rate 10.7% - Earnings Yield 6.5%)
[Growth] Growth Spread = -3.1% (Analyst 1.1% - Implied 4.2%)
Additional Sources for DLX Stock Fund Manager Positions: Dataroma · Stockcircle