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Deluxe (DLX) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Deluxe
NYSE•Industrials•Conglomerates
$24.29-0.11(<0.01%)Market closed
Market Cap
$1.10B
P/E
10.9x
P/S
0.5x
P/B
1.5x

Deluxe Corporation provides technology-enabled solutions to small and medium-sized businesses, and financial institutions in the United States and Canada. The company operates through four segments: Merchant Services, B2B Payments, Data Solutions, and Print. It offers credit and debit card authorization and payment systems; processing services to small and medium-sized retail and service businesses, as well as nonprofit and government organizations; treasury management solutions, including remittance and lockbox processing, remote deposit capture, cash application, and payment acceptance solutions, as well as integrated accounts payable disbursements, such as eChecks, Medical Payment Exchange, and Deluxe Payment Exchange; and fraud and security services. The company also provides data, analytics, and marketing services for both business-to-business and business-to-consumer marketing; financial institution profitability reporting and business incorporation services; printed personal and business checks, and business essentials comprising printed business forms and business accessories; and branded promotional, print, apparel, and digital storefront solutions. It sells through financial institutions, small and medium-sized enterprises from a variety of industries, large multinational corporations, and scalable partnerships. The company was formerly known as Deluxe Check Printers, Incorporated and changed its name to Deluxe Corporation in 1988. Deluxe Corporation was founded in 1915 and is headquartered in Minneapolis, Minnesota.

B

How this company scores

GoodMetricSide Score: 72/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability18/25
Growth16/25
Balance Sheet & Red Flags13/25
Cash & Earnings Quality25/25
Strengths
Rising free cash flowRising earningsCash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 10.5x – 33.1x
P/E 10.9x · near its 20-quarter median

Currently near its 20-quarter median.

P/S · 0.5x5y range 0.3x – 0.6x
P/S 0.5x · above its 20-quarter median

Currently above its 20-quarter median.

P/B · 1.5x5y range 1.1x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Share Dilution

Watch

Shares outstanding rose 3.5% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume
Market Cap $1.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$2.11B
0%
Q. Revenue
$499.30M
4%
TTM EBITDA
$393.09M
13%
TTM Op. Income
$251.04M
27%
Q. Op. Income
$55.70M
8%
TTM Net Income
$100.60M
74%
Q. Net Income
$19.10M
15%
EPS
$0.42
16%
Shares Out.
$45.80M
2Q
$2.11B in TTM revenue grew 0.3% YoY, reaching $499.30M last quarter. TTM EBITDA of $393.09M and TTM operating income of $251.04M show growth is flowing through to the bottom line. TTM net income of $100.60M means revenue is converting into profit. Over the past year, TTM revenue is up 0% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin
52.0%
3%
EBITDA Margin
18.4%
2%
Op. Margin
11.2%
4%
Net Margin
3.8%
11%
Op. margin of 11.2% is down 0.5% YoY — costs are rising relative to revenue. Net margin at 3.8% and gross margin of 52.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 4% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
10.9x
2Q
P/S Ratio
0.5x
53%
P/B Ratio
1.5x
39%
At 10.9x P/E, the stock trades below typical market levels. P/S of 0.5x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$2.56B
1%
Cash
$34.90M
34%
Long-Term Debt
$1.35B
2Q
Book Value
$707.90M
7Q
D/E Ratio
1.9
7Q
Debt/EBITDA
14.7
3%
With $2.56B in assets and $1.35B in long-term debt, D/E is 1.9and book value is $707.90M — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$81.20M
59%
TTM Free Cash Flow
$209.09M
3Q
FCF Margin
9.9%
3Q
FCF / Net Income
2.1
10%
TTM FCF of $209.09M on $81.20M in operating cash flow. The FCF / Net Income ratio of 2.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.

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· near its 20-quarter median

Currently near its 20-quarter median.