(DLX) Deluxe - Ratings and Ratios
Checks, Payment Processing, Data Analytics, Business Forms, Promotional Products
Dividends
| Dividend Yield | 5.38% |
| Yield on Cost 5y | 5.68% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 91.9% |
| Payout Ratio | 40.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 37.5% |
| Value at Risk 5%th | 54.6% |
| Relative Tail Risk | -11.54% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.10 |
| Alpha | -12.74 |
| CAGR/Max DD | 0.44 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.389 |
| Beta | 0.922 |
| Beta Downside | 1.037 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.93% |
| Mean DD | 14.90% |
| Median DD | 12.87% |
Description: DLX Deluxe December 01, 2025
Deluxe Corporation (NYSE:DLX) delivers technology-enabled solutions to U.S. and Canadian small- and medium-sized businesses (SMBs) and financial institutions across four operating segments: Merchant Services, B2B Payments, Data Solutions, and Print.
Its product suite spans credit/debit card authorization, end-to-end payment processing, treasury-management tools (remittance, lockbox, remote deposit capture, cash-application), and integrated disbursement services such as eChecks and the Deluxe Payment Exchange+. The firm also offers fraud-prevention, data-analytics, marketing services, profitability reporting for banks, and a range of printed and digital branding assets.
Recent financials show FY 2023 revenue of roughly $2.2 billion, with adjusted EBITDA margin hovering near 13% and recurring revenue accounting for about 70% of total sales-both indicators of a stable, subscription-driven cash flow base. The B2B Payments segment grew ~8% YoY, driven by accelerating digital-payment adoption among SMBs, while the Print segment faces modest contraction as businesses shift toward electronic invoicing and e-documents.
Key macro drivers include the overall health of the SMB sector (consumer-spending trends, credit availability), the pace of digital-payment adoption, and inflation-related cost pressures on paper-based services. A rising share of electronic disbursements and the regulatory push for stronger fraud controls also create tailwinds for Deluxe’s treasury-management and security offerings.
For a deeper quantitative view of DLX’s valuation metrics, the ValueRay platform offers a concise, data-driven snapshot.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (82.7m TTM) > 0 and > 6% of Revenue (6% = 127.1m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 1.11pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -0.15% (prev -1.64%; Δ 1.49pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 228.7m > Net Income 82.7m (YES >=105%, WARN >=100%) |
| Net Debt (1.48b) to EBITDA (377.8m) ratio: 3.91 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.99 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (45.6m) change vs 12m ago 1.77% (target <= -2.0% for YES) |
| Gross Margin 53.04% (prev 53.20%; Δ -0.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 81.32% (prev 81.53%; Δ -0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.91 (EBITDA TTM 377.8m / Interest Expense TTM 125.1m) >= 6 (WARN >= 3) |
Altman Z'' 1.55
| (A) -0.00 = (Total Current Assets 399.2m - Total Current Liabilities 402.4m) / Total Assets 2.59b |
| (B) 0.20 = Retained Earnings (Balance) 517.8m / Total Assets 2.59b |
| (C) 0.09 = EBIT TTM 239.0m / Avg Total Assets 2.61b |
| (D) 0.28 = Book Value of Equity 533.3m / Total Liabilities 1.92b |
| Total Rating: 1.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.16
| 1. Piotroski 2.0pt |
| 2. FCF Yield 6.40% |
| 3. FCF Margin 7.31% |
| 4. Debt/Equity 2.26 |
| 5. Debt/Ebitda 3.91 |
| 6. ROIC - WACC (= 3.56)% |
| 7. RoE 13.00% |
| 8. Rev. Trend -81.17% |
| 9. EPS Trend -43.76% |
What is the price of DLX shares?
Over the past week, the price has changed by +6.70%, over one month by +9.15%, over three months by +15.32% and over the past year by +0.09%.
Is DLX a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the DLX price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.7 | 28.6% |
| Analysts Target Price | 28.7 | 28.6% |
| ValueRay Target Price | 23.7 | 6.2% |
DLX Fundamental Data Overview December 09, 2025
P/E Trailing = 11.511
P/E Forward = 5.6883
P/S = 0.4451
P/B = 1.4163
P/EG = 0.474
Beta = 1.38
Revenue TTM = 2.12b USD
EBIT TTM = 239.0m USD
EBITDA TTM = 377.8m USD
Long Term Debt = 1.41b USD (from longTermDebt, last quarter)
Short Term Debt = 49.2m USD (from shortTermDebt, last quarter)
Debt = 1.50b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.48b USD (from netDebt column, last quarter)
Enterprise Value = 2.42b USD (942.9m + Debt 1.50b - CCE 25.8m)
Interest Coverage Ratio = 1.91 (Ebit TTM 239.0m / Interest Expense TTM 125.1m)
FCF Yield = 6.40% (FCF TTM 154.8m / Enterprise Value 2.42b)
FCF Margin = 7.31% (FCF TTM 154.8m / Revenue TTM 2.12b)
Net Margin = 3.91% (Net Income TTM 82.7m / Revenue TTM 2.12b)
Gross Margin = 53.04% ((Revenue TTM 2.12b - Cost of Revenue TTM 994.8m) / Revenue TTM)
Gross Margin QoQ = 53.89% (prev 53.57%)
Tobins Q-Ratio = 0.93 (Enterprise Value 2.42b / Total Assets 2.59b)
Interest Expense / Debt = 2.03% (Interest Expense 30.5m / Debt 1.50b)
Taxrate = 28.48% (13.4m / 47.2m)
NOPAT = 170.9m (EBIT 239.0m * (1 - 28.48%))
Current Ratio = 0.99 (Total Current Assets 399.2m / Total Current Liabilities 402.4m)
Debt / Equity = 2.26 (Debt 1.50b / totalStockholderEquity, last quarter 663.9m)
Debt / EBITDA = 3.91 (Net Debt 1.48b / EBITDA 377.8m)
Debt / FCF = 9.54 (Net Debt 1.48b / FCF TTM 154.8m)
Total Stockholder Equity = 636.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.20% (Net Income 82.7m / Total Assets 2.59b)
RoE = 13.00% (Net Income TTM 82.7m / Total Stockholder Equity 636.3m)
RoCE = 11.66% (EBIT 239.0m / Capital Employed (Equity 636.3m + L.T.Debt 1.41b))
RoIC = 8.08% (NOPAT 170.9m / Invested Capital 2.12b)
WACC = 4.52% (E(942.9m)/V(2.44b) * Re(9.41%) + D(1.50b)/V(2.44b) * Rd(2.03%) * (1-Tc(0.28)))
Discount Rate = 9.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.69%
[DCF Debug] Terminal Value 74.50% ; FCFE base≈144.0m ; Y1≈153.5m ; Y5≈185.1m
Fair Price DCF = 56.57 (DCF Value 2.55b / Shares Outstanding 45.0m; 5y FCF grow 7.33% → 3.0% )
EPS Correlation: -43.76 | EPS CAGR: -3.79% | SUE: 2.43 | # QB: 2
Revenue Correlation: -81.17 | Revenue CAGR: -1.45% | SUE: 2.20 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.79 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=3.69 | Chg30d=-0.048 | Revisions Net=+0 | Growth EPS=+3.9% | Growth Revenue=+0.7%
Additional Sources for DLX Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle