Deluxe (DLX) AI Stock Analysis

• Market Cap: $933.01M
• Dividend Yield: 6.6%
• Average Volume (3M): 289.98K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.26
• Revenue Growth: -0.94%
• EPS Growth: 47.48%
• Country: US
• Employees: 4,981
• Sector: Industrials
• Sector Strength: 72
• Industry: Advertising Agencies
• EPS (TTM): 1.09
• Shares Outstanding: 45,007,664
• 10 Day Avg. Volume: 412,027
• 30 Day Avg. Volume: 289,981
• PEG Ratio: 0.19
• Price to Book (P/B): 1.61
• Price to Sales (P/S): 0.47
• P/FCF Ratio: 9.99
• Enterprise Value/Market Cap: 2.49
• Enterprise Value/Revenue: 1.10
• Enterprise Value/Gross Profit: 2.07
• Enterprise Value/Ebitda: 6.15
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 3.43
• Revenue Forecast (FY): $2.11B

• Rating: 72 Outperform
• Price Target: $23.00 ▲(26.44% Upside)

Deluxe's overall stock score is driven by strong earnings call results and attractive valuation. The financial performance is stable but challenged by high leverage and inconsistent revenue growth. Technical indicators are positive, but caution is advised due to the RSI nearing overbought levels.

Positive Factors

Cash Flow Management

Strong cash flow management indicates efficient operations and financial health, providing resources for growth and debt reduction.

Debt Reduction

Reducing net debt enhances financial stability and flexibility, allowing Deluxe to invest in growth opportunities and withstand economic fluctuations.

Data Segment Growth

Strong growth in the data segment underscores Deluxe's ability to capitalize on digital trends, supporting long-term revenue expansion.

Negative Factors

Revenue Growth Challenges

Negative revenue growth indicates potential market challenges and competitive pressures, which may impact future profitability and market position.

Print Segment Decline

Declining print segment revenue suggests structural shifts away from traditional media, challenging Deluxe to adapt and innovate in digital solutions.

Low Net Profit Margin

A low net profit margin reflects constrained profitability, which could limit Deluxe's ability to reinvest in growth and compete effectively.

Deluxe Business Overview & Revenue Model

Company Description

Deluxe (DLX) is a leading provider of marketing services, web development, and financial technology solutions, primarily serving small to medium-sized businesses. The company operates in several sectors, including digital marketing, payment processing, and customer communications, offering a diverse range of products such as website design, SEO services, promotional products, and check printing. Deluxe aims to empower businesses by helping them build their brand, engage with customers, and streamline their operations through innovative technology and services.

How the Company Makes Money

Deluxe generates revenue through multiple streams, primarily by offering subscription-based services, transaction fees, and one-time service fees. Key revenue streams include digital marketing solutions, where clients pay for services like SEO, social media management, and content creation. In financial technology, Deluxe earns revenue from transaction processing fees associated with payment solutions and merchant services. Additionally, the company generates income from selling printed products like checks and promotional materials. Strategic partnerships with financial institutions and other service providers enhance its service offerings and customer reach, contributing to its overall earnings.

Deluxe Financial Statement Overview

Summary

Deluxe shows a mixed financial performance. While profitability metrics like gross and net profit margins are stable, revenue growth is inconsistent, and high leverage poses financial stability risks. Positive cash flow trends are a strength, but debt management and operational efficiency need improvement.

Income Statement

Deluxe shows a mixed performance in its income statement. The TTM data indicates a gross profit margin of 52.90% and a net profit margin of 3.18%, which are relatively stable compared to previous years. However, the revenue growth rate has been inconsistent, with a notable decline in 2024. The EBIT and EBITDA margins have also shown some volatility, reflecting challenges in maintaining operational efficiency.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 2.39 in the TTM period, indicating significant leverage. While the return on equity is modest at 6.04%, the equity ratio is low, suggesting potential risks in financial stability. The company needs to manage its debt levels to improve its financial health.

Cash Flow

Cash flow analysis shows positive trends, with a free cash flow growth rate of 11.08% in the TTM period. The operating cash flow to net income ratio is 0.63, indicating decent cash generation relative to net income. However, the free cash flow to net income ratio of 0.80 suggests room for improvement in converting earnings into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.12B	2.12B	2.19B	2.24B	2.02B	1.79B
Gross Profit	1.12B	1.13B	1.16B	1.21B	1.14B	1.06B
EBITDA	377.83M	365.32M	335.14M	351.38M	298.12M	160.74M
Net Income	82.74M	52.80M	26.12M	65.39M	62.63M	5.24M
Balance Sheet
Total Assets	2.59B	2.83B	3.08B	3.08B	3.07B	1.84B
Cash, Cash Equivalents and Short-Term Investments	25.80M	34.40M	71.96M	40.44M	41.23M	123.12M
Total Debt	1.50B	1.56B	1.67B	1.71B	1.75B	879.93M
Total Liabilities	1.92B	2.21B	2.48B	2.47B	2.50B	1.33B
Stockholders Equity	663.87M	620.75M	604.09M	603.81M	574.32M	513.25M
Cash Flow
Free Cash Flow	204.05M	99.89M	97.62M	86.90M	101.70M	155.00M
Operating Cash Flow	228.66M	194.28M	198.37M	191.50M	210.80M	217.60M
Investing Cash Flow	-94.52M	-69.84M	-43.30M	-80.30M	-1.07B	-56.10M
Financing Cash Flow	-154.47M	-267.25M	-37.68M	-48.60M	913.00M	-110.60M

Deluxe Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.19
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DLX, the sentiment is Positive. The current price of 18.19 is below the 20-day moving average (MA) of 19.06, below the 50-day MA of 19.17, and above the 200-day MA of 16.92, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 67.10 is Neutral, neither overbought nor oversold. The STOCH value of 64.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DLX.

Deluxe Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CRTO	78 Outperform	$1.17B	7.56	15.37%	―	0.32%	69.78%
DLX	72 Outperform	$933.01M	11.36	12.96%	6.60%	-0.94%	47.48%
QNST	65 Neutral	$863.99M	191.84	4.55%	―	43.12%	―
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
STGW	59 Neutral	$1.20B	65.45	3.80%	―	6.76%	1841.46%
EEX	53 Neutral	$795.19M	186.11	1.21%	1.47%	11.18%	―
ADV	41 Neutral	$400.91M	-1.19	-29.47%	―	-7.12%	-7.75%

Deluxe Corporate Events

Deluxe Corp. Reports Strong Q3 Earnings Amid Challenges

The latest earnings call from Deluxe Corp. painted a picture of robust performance, highlighting significant achievements in EBITDA growth, data segment performance, and debt reduction. Despite some challenges in the B2B payments and print segments, the overall sentiment was positive, with strong financial metrics overshadowing the areas of concern.

Deluxe Corp. Reports Strong Q3 2025 Earnings

Deluxe Corporation is a renowned company in the payments and data sector, providing solutions that help businesses manage transactions and grow. The company has a significant presence in the financial services industry, processing over $2 trillion in annual payment volume.

Deluxe Appoints Michelle T. Collins to Board

On August 20, 2025, Deluxe Corporation announced the election of Michelle T. Collins to its Board of Directors. Ms. Collins, a retired Deloitte partner with extensive experience in business transformations and financial management, will serve on the Audit and Finance Committee. Her appointment is expected to enhance Deluxe’s strategic direction and operational growth, leveraging her expertise in navigating complex business issues and technology disruptions.

The most recent analyst rating on (DLX) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Deluxe stock, see the DLX Stock Forecast page.

Deluxe Corp. Earnings Call: Mixed Results and Strategic Moves

The recent earnings call for Deluxe Corp. painted a mixed picture, reflecting both achievements and challenges. While the company celebrated significant growth in EBITDA, Data Solutions, and free cash flow, it faced hurdles in revenue growth and the print segment’s performance. Strategic initiatives, such as the acquisition of Check Match, hint at promising future prospects.

Deluxe Acquires CheckMatch to Boost Payment Network

On August 6, 2025, Deluxe Corporation acquired the CheckMatch electronic check conveyance service business from JPMorgan Chase Bank. This acquisition, valued at $25 million, is set to enhance Deluxe’s Payment Network by integrating CheckMatch’s digital check delivery service, which aims to reduce costs and improve security against mail fraud. The move aligns with Deluxe’s strategy to expand its B2B payments portfolio and is expected to create the largest digital lockbox network in the market, benefiting stakeholders through increased efficiency and potential cost savings.

The most recent analyst rating on (DLX) stock is a Hold with a $32.00 price target. To see the full list of analyst forecasts on Deluxe stock, see the DLX Stock Forecast page.

Deluxe Corp. Reports Q2 2025 Earnings, Boosts Cash Flow Outlook

Deluxe Corp., a prominent player in the Payments and Data sector, provides comprehensive solutions that enable businesses to manage payments and data effectively, supporting their growth from inception to maturity. The company is known for its extensive reach and capability in processing over $2 trillion in annual payment volume.