A Business at a Glance
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DELUXE CORP
DLX
$1.2B
Mkt Cap
$26.02
+1.76%
DELUXE CORP (DLX) has a current P/E ratio of 14.5, compared to its historical median P/E of 11.9. The stock is currently considered Fair based on its historical valuation range.
DELUXE CORP (DLX) has a 5-year average return on invested capital (ROIC) of 4.6%. This is below average and may indicate limited pricing power.
DELUXE CORP (DLX) has a market capitalization of $1.2B. It is classified as a small-cap stock.
Yes, DELUXE CORP (DLX) pays a dividend with a trailing twelve-month yield of 4.71%.
Based on historical P/E analysis, DELUXE CORP (DLX) appears fair. The current P/E of 14.5 is 22% above its historical median of 11.9. The estimated fair value CAGR (P/E method) is 1.9%.
DELUXE CORP (DLX) operates in the Blankbooks, Looseleaf Binders & Bookbindg & Relatd Work industry, within the Communication Services sector.
DELUXE CORP (DLX) reported annual revenue of $2.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
COMPANY OVERVIEW In 2025, Deluxe Corporation proudly celebrated its 110th anniversary, marking over a century of business excellence. Our enduring success is a testament to our innovation, our ability to adapt to the evolving needs of our customers, and the trust they place in us. We have transformed into a trusted Payments and Data company, serving small and medium-sized businesses, financial institutions, and some of the world's largest consumer brands. Our products and services are delivered through four business segments, primarily catering to clients and customers across North America. Business SegmentCategoryPercentage of 2025 consolidated revenueDescription Merchant ServicesMerchant services solutions18.7%Merchant in-store, online, and mobile payment solutions that provide tools to accept electronic payments, such as debit cards, credit cards, and other forms of payment B2B PaymentsTreasury management solutions10.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.1B | 2.1B | 2.1B | 2.2B | 2.2B | 2.0B |
| Net Income | 104M | 82M | 53M | 26M | 65M | 63M |
| EPS | $2.30 | $1.80 | $1.18 | $0.59 | $1.50 | $1.45 |
| Free Cash Flow | 178M | 175M | 100M | 98M | 187M | 208M |
| ROIC | 8.9% | 6.5% | 5.5% | 3.7% | 3.9% | 3.4% |
| Gross Margin | - | 53.0% | 53.1% | 53.0% | 53.9% | 56.3% |
| Debt/Equity | 2.01 | 2.73 | 3.02 | 3.03 | 4.69 | 4.86 |
| Dividends/Share | $1.22 | $1.20 | $1.20 | $1.20 | $1.20 | $1.20 |
| Operating Income | 256M | 232M | 192M | 161M | 169M | 142M |
| Operating Margin | 12.0% | 10.9% | 9.1% | 7.3% | 7.6% | 7.0% |
| ROE | 14.9% | 12.6% | 8.6% | 4.3% | 11.1% | 11.5% |
| Shares Outstanding | 46M | 46M | 45M | 44M | 44M | 43M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.7B | 1.8B | 1.8B | 2.0B | 2.0B | 2.0B | 1.8B | 2.0B | 2.2B | 2.2B | 2.1B | 2.1B | 2.1B |
| Gross Margin | 63.8% | 63.9% | 63.9% | 62.2% | 60.4% | 59.5% | 59.2% | 56.3% | 53.9% | 53.0% | 53.1% | 53.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 719M | 775M | 807M | 830M | 854M | 892M | 840M | 941M | 993M | 956M | 909M | 873M | 857M |
| EBIT | 333M | 354M | 367M | 329M | 231M | -188M | 41M | 142M | 169M | 161M | 192M | 232M | 256M |
| Op. Margin | 19.9% | 20.0% | 19.8% | 16.7% | 11.6% | -9.4% | 2.3% | 7.0% | 7.6% | 7.3% | 9.1% | 10.9% | 12.0% |
| Net Income | 199M | 217M | 228M | 229M | 149M | -224M | 5.2M | 63M | 65M | 26M | 53M | 82M | 104M |
| Net Margin | 11.9% | 12.2% | 12.3% | 11.6% | 7.5% | -11.1% | 0.3% | 3.1% | 2.9% | 1.2% | 2.5% | 3.8% | 4.9% |
| Non-Recurring | 8.9M | 6.2M | 7.8M | 46M | 115M | 432M | 149M | 59M | 82M | 123M | 89M | 26M | 16M |
| Returns on Capital | |||||||||||||
| ROIC | 21.3% | 19.6% | 21.7% | 15.6% | 7.7% | -18.6% | 1.1% | 3.4% | 3.9% | 3.7% | 5.5% | 6.5% | 8.9% |
| ROE | 33.2% | 31.2% | 28.0% | 24.1% | 15.4% | -30.1% | 1.0% | 11.5% | 11.1% | 4.3% | 8.6% | 12.6% | 14.9% |
| ROA | 12.2% | 12.3% | 11.3% | 10.4% | 6.6% | -10.5% | 0.3% | 2.5% | 2.1% | 0.8% | 1.8% | 2.9% | 4.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 285M | 310M | 319M | 338M | 339M | 287M | 218M | 211M | 192M | 198M | 194M | 271M | 273M |
| Free Cash Flow | 244M | 266M | 273M | 291M | 277M | 220M | 206M | 208M | 187M | 98M | 100M | 175M | 178M |
| Owner Earnings | 209M | 221M | 215M | 201M | 195M | 141M | 85M | 33M | -4.7M | 8.2M | 8.9M | 108M | 108M |
| CapEx | 41M | 43M | 47M | 47M | 62M | 67M | 11M | 2.8M | 4.3M | 101M | 94M | 95M | 95M |
| Maint. CapEx | 66M | 77M | 92M | 123M | 131M | 126M | 111M | 149M | 173M | 170M | 166M | 138M | 139M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 66M | 77M | 92M | 123M | 131M | 126M | 111M | 149M | 173M | 170M | 166M | 138M | 139M |
| CapEx/OCF | 14.7% | 14.0% | 14.6% | 14.0% | 18.3% | N/A | N/A | N/A | N/A | N/A | 48.5% | 35.2% | 34.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 58M | 60M | 59M | 58M | 57M | 52M | 51M | 52M | 53M | 53M | 54M | 55M | 56M |
| Dividend Yield | 3.2% | 2.9% | 2.8% | 2.5% | 2.7% | 3.7% | 5.0% | 3.9% | 6.3% | 7.9% | 6.4% | 7.0% | 4.7% |
| Share Buybacks | 60M | 60M | 55M | 65M | 200M | 119M | 14M | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 2.9% | 3.3% | 2.3% | 2.5% | 15.6% | 7.6% | 1.4% | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 9.8M | 12M | 12M | 15M | 13M | 20M | 22M | 29M | 24M | 21M | 20M | 25M | 26M |
| Debt Repayment | 341M | 440M | 442M | 454M | 1.1B | 268M | 353M | 1.0B | 681M | 639M | 1.9B | 519M | 519M |
| Balance Sheet | |||||||||||||
| Net Debt | 473M | 550M | 662M | 1.2B | 1.8B | 1.7B | 1.7B | 2.7B | 2.8B | 1.7B | 1.8B | 1.8B | 1.4B |
| Cash & Equiv. | 62M | 62M | 77M | 59M | 60M | 74M | 123M | 41M | 40M | 72M | 34M | 37M | 41M |
| Long-Term Debt | 393M | 628M | 760M | 707M | 910M | 884M | 840M | 1.6B | 1.6B | 1.5B | 1.5B | 1.4B | 1.4B |
| Debt/Equity | 0.86 | 0.84 | 0.86 | 1.26 | 2.03 | 3.17 | 3.62 | 4.86 | 4.69 | 3.03 | 3.02 | 2.73 | 2.01 |
| Interest Coverage | 9.1 | 17.5 | 16.5 | 15.4 | 8.5 | -5.4 | 1.8 | 2.6 | 1.8 | 1.3 | 1.6 | 1.9 | 2.2 |
| Equity | 647M | 745M | 881M | 1.0B | 915M | 571M | 513M | 575M | 604M | 605M | 621M | 681M | 697M |
| Total Assets | 1.7B | 1.8B | 2.2B | 2.2B | 2.3B | 1.9B | 1.8B | 3.1B | 3.1B | 3.1B | 2.8B | 2.9B | 2.6B |
| Total Liabilities | 1.0B | 1.1B | 1.3B | 1.2B | 1.4B | 1.4B | 1.3B | 2.5B | 2.5B | 2.5B | 2.2B | 2.2B | -49M |
| Intangibles | 207M | 285M | 410M | 384M | 360M | 276M | 247M | 511M | 459M | 392M | 331M | 348M | 336M |
| Retained Earnings | 629M | 751M | 883M | 1.0B | 927M | 573M | 495M | 506M | 519M | 491M | 489M | 516M | 538M |
| Working Capital | -148M | 6.9M | -17M | -33M | 58M | 64M | 95M | -63M | -48M | -58M | -14M | 23M | 50M |
| Current Assets | 319M | 324M | 398M | 393M | 450M | 472M | 507M | 620M | 704M | 761M | 612M | 666M | 393M |
| Current Liabilities | 467M | 317M | 416M | 426M | 392M | 408M | 412M | 683M | 752M | 819M | 626M | 643M | 342M |
| Per Share Data | |||||||||||||
| EPS | 3.96 | 4.36 | 4.65 | 4.72 | 3.16 | -5.20 | 0.11 | 1.45 | 1.50 | 0.59 | 1.18 | 1.80 | 2.30 |
| Owner EPS | 4.17 | 4.44 | 4.40 | 4.14 | 4.13 | 3.27 | 1.80 | 0.75 | -0.11 | 0.19 | 0.20 | 2.36 | 2.35 |
| Book Value | 12.90 | 14.96 | 18.01 | 20.95 | 19.41 | 13.26 | 10.88 | 13.31 | 13.87 | 13.67 | 13.88 | 14.92 | 15.25 |
| Cash Flow/Share | 5.68 | 6.22 | 6.53 | 6.98 | 7.20 | 6.66 | 4.61 | 4.88 | 4.40 | 4.48 | 4.34 | 5.93 | 5.32 |
| Dividends/Share | 1.15 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.22 |
| Shares Out. | 50.2M | 49.8M | 48.9M | 48.5M | 47.2M | 43.1M | 47.2M | 43.2M | 43.6M | 44.2M | 44.7M | 45.6M | 45.7M |
| Valuation | |||||||||||||
| P/E Ratio | 10.4 | 8.4 | 10.5 | 11.2 | 8.6 | N/A | 185.3 | 17.0 | 9.0 | 32.2 | 17.6 | 12.5 | 11.3 |
| P/FCF | 8.5 | 6.8 | 8.7 | 8.8 | 4.6 | 7.1 | 4.7 | 5.1 | 3.1 | 8.6 | 9.3 | 5.8 | 6.7 |
| EV/EBIT | 7.5 | 5.0 | 6.5 | 7.9 | 9.0 | N/A | 38.4 | 19.2 | 13.1 | 14.8 | 12.5 | 10.3 | 9.9 |
| Price/Book | 3.2 | 2.5 | 2.7 | 2.5 | 1.4 | 2.7 | 1.9 | 1.9 | 1.0 | 1.4 | 1.5 | 1.5 | 1.7 |
| Price/Sales | 1.1 | 1.2 | 1.1 | 1.2 | 1.0 | 0.7 | 0.6 | 0.6 | 0.4 | 0.3 | 0.4 | 0.4 | 0.6 |
| FCF Yield | 11.7% | 14.5% | 11.4% | 11.3% | 21.6% | 14.1% | 21.2% | 19.5% | 31.8% | 11.6% | 10.8% | 17.1% | 15.0% |
| Market Cap | 2.1B | 1.8B | 2.4B | 2.6B | 1.3B | 1.6B | 972M | 1.1B | 589M | 841M | 930M | 1.0B | 1.2B |
| Avg. Price | 35.83 | 41.11 | 42.83 | 48.83 | 44.09 | 32.41 | 21.35 | 30.38 | 19.13 | 15.24 | 18.84 | 17.33 | 26.02 |
| Year-End Price | 41.23 | 36.62 | 48.60 | 53.04 | 27.07 | 36.29 | 20.39 | 24.70 | 13.52 | 18.99 | 20.79 | 22.45 | 26.02 |
DELUXE CORP passes 3 of 9 quality checks, indicating weak fundamentals.
DELUXE CORP trades at 14.5x trailing earnings, compared to its 15-year median P/E of 11.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.7x vs a median of 6.5x. The company's 5-year average ROIC is 4.6% with a gross margin of 53.9%. Total shareholder yield (dividends) is 4.7%. At current prices, the estimated annualized return to fair value is -9.1%.
DELUXE CORP (DLX) has a net profit margin of 3.8%. This is a modest margin.
DELUXE CORP (DLX) generated $175 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
DELUXE CORP (DLX) has a debt-to-equity ratio of 2.73. This indicates higher leverage, which may increase financial risk.
DELUXE CORP (DLX) reported earnings per share (EPS) of $1.80 in its most recent fiscal year.
DELUXE CORP (DLX) has a return on equity (ROE) of 12.6%. This indicates moderate shareholder returns.
DELUXE CORP (DLX) has a 5-year average gross margin of 53.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for DELUXE CORP (DLX), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
DELUXE CORP (DLX) has a book value per share of $14.92, based on its most recent annual SEC filing.
No recent press releases.