Deluxe Corporation (DLX) 10-Year Financial Performance & Capital Metrics

DLX • • Industrial / General

Communication ServicesAdvertising & MarketingPromotional & Event MarketingPromotional Products & Services

AboutDeluxe Corporation provides technology-enabled solutions to enterprises, small businesses, and financial institutions in the United States, Canada, Australia, South America, and Europe. It operates through four segments: Payments, Cloud Solutions, Promotional Solutions, and Checks. The company provides treasury management solutions, including remittance and lockbox processing, remote deposit capture, receivables management, payment processing, and paperless treasury management solutions, as well as payment exchange, and fraud and security services; web hosting and design services, data-driven marketing solutions and hosted solutions, such as digital engagement, logo design, financial institution profitability reporting, and business incorporation services. It also offers business forms, accessories, advertising specialties, promotional apparel, and retail packaging services; and printed personal and business checks. 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 Shoreview, Minnesota.Show more

Revenue $2.12B -3.2%
EBITDA $358M +8.2%
Net Income $53M +102.2%
EPS (Diluted) 1.18 +100.0%
Gross Margin 53.09% +0.1%
EBITDA Margin 16.86% +11.8%
Operating Margin 9.06% +23.5%
Net Margin 2.49% +108.9%
ROE 8.62% +99.4%
ROIC 6.63% +22.8%
Debt/Equity 2.52 -8.5%
Interest Coverage 1.56 +21.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Momentum leader: RS Rating 80 (top 20%)
✓High quality earnings: Operating CF exceeds net income
✓Healthy dividend yield of 5.0%
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 2.5x
✗Dividend payout exceeds 100% of earnings
✗Thin 5Y average net margin of 2.0%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.4%

5Y1.1%

3Y1.61%

TTM-0.94%

Profit (Net Income) CAGR

10Y-12.46%

5Y-

3Y-5.53%

TTM28.6%

EPS CAGR

10Y-11.4%

5Y-

3Y-6.64%

TTM51.39%

ROCE

10Y Avg11.01%

5Y Avg6.6%

3Y Avg7.6%

Latest8.6%

Peer Comparison

Promotional Products & Services

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CMPRCimpress plc	1.98B	80.18	138.24	3.38%	1.02%		7.33%
DLXDeluxe Corporation	1.1B	24.35	20.64	-3.22%	3.91%	12.46%	9.11%	2.52
LDWYLendway, Inc.	7.41M	4.19	-1.29		-9.15%	-37.32%		6.35
SWAGStran & Company, Inc.	36.39M	1.99	-9.05	8.76%	-1.38%	-5.22%	5.93%	0.05

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.77B	1.85B	1.97B	2B	2.01B	1.79B	2.02B	2.24B	2.19B	2.12B
Revenue Growth %	0.06%	0.04%	0.06%	0.02%	0.01%	-0.11%	0.13%	0.11%	-0.02%	-0.03%
Cost of Goods Sold+	639.2M	667.3M	742.1M	791.7M	812.93M	730.77M	884.27M	1.03B	1.03B	995.31M
COGS % of Revenue	0.36%	0.36%	0.38%	0.4%	0.4%	0.41%	0.44%	0.46%	0.47%	0.47%
Gross Profit+	1.13B	1.18B	1.22B	1.21B	1.2B	1.06B	1.14B	1.21B	1.16B	1.13B
Gross Margin %	0.64%	0.64%	0.62%	0.6%	0.6%	0.59%	0.56%	0.54%	0.53%	0.53%
Gross Profit Growth %	0.06%	0.04%	0.04%	-0.01%	-0.01%	-0.11%	0.07%	0.06%	-0.04%	-0.03%
Operating Expenses+	774.9M	806M	828.8M	845.6M	1.38B	1.02B	995.77M	1.04B	1B	934.27M
OpEx % of Revenue	0.44%	0.44%	0.42%	0.42%	0.69%	0.57%	0.49%	0.46%	0.46%	0.44%
Selling, General & Admin	774.9M	806M	828.8M	845.6M	891.69M	839.81M	941.02M	993.25M	956.07M	909.17M
SG&A % of Revenue	0.44%	0.44%	0.42%	0.42%	0.44%	0.47%	0.47%	0.44%	0.44%	0.43%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	2.8M	1.9M	3M	0	492.34M	179.47M	54.75M	43.2M	45.82M	25.11M
Operating Income+	354.3M	368.7M	331.2M	239.7M	-188.25M	40.73M	142.15M	169.45M	160.79M	192.18M
Operating Margin %	0.2%	0.2%	0.17%	0.12%	-0.09%	0.02%	0.07%	0.08%	0.07%	0.09%
Operating Income Growth %	0.07%	0.04%	-0.1%	-0.28%	-1.79%	1.22%	2.49%	0.19%	-0.05%	0.2%
EBITDA+	431M	460.28M	453.85M	370.8M	-62.22M	151.52M	290.92M	342M	330.49M	357.72M
EBITDA Margin %	0.24%	0.25%	0.23%	0.19%	-0.03%	0.08%	0.14%	0.15%	0.15%	0.17%
EBITDA Growth %	0.08%	0.07%	-0.01%	-0.18%	-1.17%	3.44%	0.92%	0.18%	-0.03%	0.08%
D&A (Non-Cash Add-back)	76.7M	91.58M	122.65M	131.1M	126.04M	110.79M	148.77M	172.55M	169.7M	165.54M
EBIT	348.25M	362.69M	334.19M	239.74M	-181.06M	49.94M	149.36M	178.83M	165.44M	199.78M
Net Interest Income+	-20.3M	-22.3M	-21.36M	-27.11M	-34.68M	-23.14M	-55.55M	-94.45M	-125.64M	-123.28M
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	20.3M	22.3M	21.4M	27.1M	34.68M	23.14M	55.55M	94.45M	125.64M	123.28M
Other Income/Expense	-26.38M	-26.5M	-16.35M	-18.59M	-27.49M	-13.93M	-48.35M	-85.07M	-120.99M	-115.68M
Pretax Income+	327.9M	340.4M	312.8M	221.2M	-215.74M	26.8M	93.8M	84.38M	39.8M	76.5M
Pretax Margin %	0.18%	0.18%	0.16%	0.11%	-0.11%	0.01%	0.05%	0.04%	0.02%	0.04%
Income Tax+	109.3M	111M	82.6M	65.3M	8.04M	21.47M	31.03M	18.85M	13.57M	23.55M
Effective Tax Rate %	0.67%	0.67%	0.74%	0.7%	1.04%	0.2%	0.67%	0.78%	0.66%	0.69%
Net Income+	218.6M	229.4M	230.2M	155.9M	-223.78M	5.24M	62.63M	65.39M	26.12M	52.8M
Net Margin %	0.12%	0.12%	0.12%	0.08%	-0.11%	0%	0.03%	0.03%	0.01%	0.02%
Net Income Growth %	0.09%	0.05%	0%	-0.32%	-2.44%	1.02%	10.94%	0.04%	-0.6%	1.02%
Net Income (Continuing)	218.63M	229.38M	230.16M	149.63M	-223.78M	5.33M	62.77M	65.53M	26.23M	52.95M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	141K	280K	415K	522K	166K
EPS (Diluted)+	1.20	4.65	4.72	3.32	-4.65	0.21	1.45	1.50	0.59	1.18
EPS Growth %	-0.7%	2.88%	0.02%	-0.3%	-2.4%	1.05%	5.9%	0.03%	-0.61%	1%
EPS (Basic)	4.46	4.73	4.80	3.33	-4.65	0.21	1.48	1.52	0.60	1.19
Diluted Shares Outstanding	49.8M	49M	48.4M	46.99M	43.03M	42.14M	42.83M	43.31M	43.84M	44.73M
Basic Shares Outstanding	49.02M	48.55M	47.95M	46.84M	43.03M	41.93M	42.38M	43.02M	43.55M	44.15M
Dividend Payout Ratio	0.27%	0.26%	0.25%	0.36%	-	9.68%	0.82%	0.81%	2.04%	1.03%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	326M	398.2M	393M	450.4M	472.21M	506.63M	620.47M	704.04M	760.99M	611.64M
Cash & Short-Term Investments	62.4M	76.6M	59.2M	59.7M	73.62M	123.12M	41.23M	40.44M	71.96M	34.4M
Cash Only	62.4M	76.6M	59.2M	59.7M	73.62M	123.12M	41.23M	40.44M	71.96M	34.4M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	123.65M	152.65M	166.22M	204.32M	196.21M	179.58M	426.29M	245.38M	217.11M	200.82M
Days Sales Outstanding	25.46	30.13	30.87	37.33	35.65	36.6	76.94	40.02	36.15	34.55
Inventory	41.96M	40.18M	42.25M	46.44M	39.92M	40.13M	34.93M	52.27M	42.09M	36.39M
Days Inventory Outstanding	23.96	21.98	20.78	21.41	17.92	20.04	14.42	18.48	14.92	13.35
Other Current Assets	95.95M	128.82M	125.25M	139.54M	162.46M	136.59M	80.38M	329.31M	399.71M	307.28M
Total Non-Current Assets+	1.52B	1.79B	1.82B	1.85B	1.47B	1.34B	2.45B	2.37B	2.32B	2.22B
Property, Plant & Equipment	85.7M	86.9M	84.6M	90.3M	140.84M	124.59M	184.2M	172.03M	175.5M	160.97M
Fixed Asset Turnover	20.69x	21.28x	23.23x	22.13x	14.26x	14.37x	10.98x	13.01x	12.49x	13.18x
Goodwill	976.4M	1.11B	1.13B	1.16B	804.49M	702.96M	1.43B	1.43B	1.43B	1.42B
Intangible Assets	285.3M	409.8M	384.3M	360M	276.12M	246.76M	510.72M	458.98M	391.74M	331.05M
Long-Term Investments	41.69M	42.24M	42.61M	43.77M	44.99M	45.92M	47.2M	47.78M	61.92M	61.02M
Other Non-Current Assets	128.07M	139.66M	171.97M	196.44M	200.75M	208.68M	279.46M	260.35M	251.18M	236.64M
Total Assets+	1.84B	2.18B	2.21B	2.3B	1.94B	1.84B	3.07B	3.08B	3.08B	2.83B
Asset Turnover	0.96x	0.85x	0.89x	0.87x	1.03x	0.97x	0.66x	0.73x	0.71x	0.75x
Asset Growth %	0.09%	0.18%	0.01%	0.04%	-0.16%	-0.05%	0.67%	0%	0%	-0.08%
Total Current Liabilities+	751M	415.6M	425.8M	383M	407.95M	411.82M	683.36M	752.35M	819.07M	625.52M
Accounts Payable	87.58M	106.79M	104.48M	106.98M	112.2M	116.99M	153.07M	157.06M	154.86M	164.88M
Days Payables Outstanding	50.01	58.41	51.39	49.32	50.38	58.43	63.18	55.54	54.9	60.46
Short-Term Debt	0	34.95M	43.23M	0	0	0	57.2M	71.75M	86.15M	37.13M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	133.05M	177.53M	181.09M	190.69M	153.33M	138.74M	301.26M	362.54M	471.09M	307.34M
Current Ratio	0.43x	0.96x	0.92x	1.18x	1.16x	1.23x	0.91x	0.94x	0.93x	0.98x
Quick Ratio	0.38x	0.86x	0.82x	1.05x	1.06x	1.13x	0.86x	0.87x	0.88x	0.92x
Cash Conversion Cycle	-0.59	-6.3	0.26	9.42	3.2	-1.79	28.18	2.96	-3.83	-12.57
Total Non-Current Liabilities+	348.3M	887.7M	768M	999.7M	964.5M	916.96M	1.82B	1.72B	1.66B	1.58B
Long-Term Debt	626.91M	722.01M	664.15M	910M	883.5M	840M	1.63B	1.57B	1.51B	1.47B
Capital Lease Obligations	1.06M	796K	1.11M	1.07M	33.59M	28.34M	56.44M	48.92M	58.84M	48.98M
Deferred Tax Liabilities	81.1M	85.2M	50.5M	48.7M	14.9M	5.4M	75.12M	45.51M	22.65M	2.1M
Other Non-Current Liabilities	70.99M	79.71M	52.24M	39.88M	32.52M	43.22M	59.11M	52.99M	68.75M	67.5M
Total Liabilities	1.1B	1.3B	1.19B	1.38B	1.37B	1.33B	2.5B	2.47B	2.48B	2.21B
Total Debt+	631.2M	758.6M	709.3M	911.9M	929.98M	879.93M	1.75B	1.71B	1.67B	1.56B
Net Debt	568.8M	682M	650.1M	852.2M	856.36M	756.81M	1.71B	1.67B	1.59B	1.53B
Debt / Equity	0.85x	0.86x	0.70x	0.99x	1.63x	1.71x	3.05x	2.82x	2.75x	2.52x
Debt / EBITDA	1.46x	1.65x	1.56x	2.46x	-	5.81x	6.03x	4.99x	5.04x	4.37x
Net Debt / EBITDA	1.32x	1.48x	1.43x	2.30x	-	4.99x	5.89x	4.87x	4.82x	4.28x
Interest Coverage	17.45x	16.53x	15.48x	8.85x	-5.43x	1.76x	2.56x	1.79x	1.28x	1.56x
Total Equity+	745.1M	881M	1.01B	921.7M	570.86M	513.39M	574.6M	604.22M	604.62M	620.92M
Equity Growth %	0.15%	0.18%	0.15%	-0.09%	-0.38%	-0.1%	0.12%	0.05%	0%	0.03%
Book Value per Share	14.96	17.98	20.97	19.61	13.27	12.18	13.42	13.95	13.79	13.88
Total Shareholders' Equity	745.1M	881M	1.01B	921.7M	570.86M	513.25M	574.32M	603.81M	604.09M	620.75M
Common Stock	49.02M	48.55M	47.95M	44.65M	42.13M	41.97M	42.68M	43.2M	43.74M	44.31M
Retained Earnings	751.25M	882.79M	1B	927.35M	572.6M	495.15M	505.76M	518.63M	491.24M	489.23M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-55.2M	-50.37M	-37.6M	-56.58M	-47.95M	-41.43M	-31.49M	-37.26M	-30.03M	-29.92M
Minority Interest	0	0	0	0	0	141K	280K	415K	522K	166K

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	307.9M	319.3M	338.4M	339.3M	286.65M	217.6M	210.82M	191.5M	198.37M	194.28M
Operating CF Margin %	0.17%	0.17%	0.17%	0.17%	0.14%	0.12%	0.1%	0.09%	0.09%	0.09%
Operating CF Growth %	0.1%	0.04%	0.06%	0%	-0.16%	-0.24%	-0.03%	-0.09%	0.04%	-0.02%
Net Income	218.6M	229.4M	230.2M	155.9M	-223.78M	8.9M	62.77M	65.5M	26.23M	52.78M
Depreciation & Amortization	76.7M	91.6M	122.7M	131.1M	126.04M	110.8M	148.77M	172.6M	169.7M	165.54M
Stock-Based Compensation	11.89M	12.46M	15.11M	13.38M	19.7M	21.82M	29.48M	23.68M	20.52M	0
Deferred Taxes	-3.26M	1.89M	-39.18M	-11.36M	-41.18M	-5.24M	17.76M	-28.53M	-31.88M	-20.39M
Other Non-Cash Items	30.11M	35.26M	36.67M	86.55M	451.96M	140.25M	-16M	17.65M	33.53M	102.28M
Working Capital Changes	-26.15M	-51.31M	-27.1M	-36.27M	-46.09M	-58.93M	-31.95M	-59.39M	-19.74M	-105.94M
Change in Receivables	-4.53M	-23.41M	5.28M	-16.8M	5.61M	-2.71M	-8.86M	-13.67M	7.36M	3.49M
Change in Inventory	-339K	2.24M	-644K	-3.64M	4.84M	-11.28M	-1.84M	-19.06M	6.35M	2.5M
Change in Payables	-4.53M	15.89M	-7.8M	4.37M	5.13M	-9.52M	22.79M	6.01M	4.93M	10.51M
Cash from Investing+	-251.1M	-310.7M	-180.9M	-275.4M	-72.4M	-56.1M	-1.07B	-80.3M	-43.3M	-69.84M
Capital Expenditures	-43.3M	-46.6M	-47.5M	-62.2M	-66.59M	-62.6M	-109.14M	-104.6M	-100.75M	0
CapEx % of Revenue	0.02%	0.03%	0.02%	0.03%	0.03%	0.03%	0.05%	0.05%	0.05%	0.04%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	5.2M	6.8M	5.8M	1.1M	2.45M	-3.2M	-1.59M	-4.85M	-4.2M	-69.84M
Cash from Financing+	-46.7M	4.3M	-177M	-60.1M	-190.15M	-110.6M	912.96M	-48.6M	-37.68M	-267.25M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-59.8M	-58.7M	-58.1M	-56.7M	-51.74M	-50.75M	-51.65M	-52.65M	-53.33M	-54.16M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	7.08M	8.72M	-8.69M	-14.18M	3.44M	-6.06M	92.8M	41.55M	68.12M	-130.83M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	264.6M	272.7M	290.9M	277.1M	220.06M	155M	101.68M	86.9M	97.62M	99.89M
FCF Margin %	0.15%	0.15%	0.15%	0.14%	0.11%	0.09%	0.05%	0.04%	0.04%	0.05%
FCF Growth %	0.11%	0.03%	0.07%	-0.05%	-0.21%	-0.3%	-0.34%	-0.15%	0.12%	0.02%
FCF per Share	5.31	5.57	6.01	5.90	5.11	3.68	2.37	2.01	2.23	2.23
FCF Conversion (FCF/Net Income)	1.41x	1.39x	1.47x	2.18x	-1.28x	41.50x	3.37x	2.93x	7.59x	3.68x
Interest Paid	24.29M	20.98M	19.46M	25.91M	0	22.85M	46.62M	87.11M	115.56M	117.83M
Taxes Paid	111M	97.31M	124.88M	88.25M	0	24.7M	18.76M	38.63M	47.95M	49.89M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	31.39%	28.21%	24.28%	16.1%	-29.99%	0.97%	11.51%	11.09%	4.32%	8.62%
Return on Invested Capital (ROIC)	21.65%	19.22%	15.39%	10.46%	-8.82%	2.26%	5.99%	5.58%	5.4%	6.63%
Gross Margin	63.94%	63.91%	62.25%	60.38%	59.53%	59.19%	56.27%	53.88%	53.04%	53.09%
Net Margin	12.33%	12.41%	11.71%	7.8%	-11.14%	0.29%	3.1%	2.92%	1.19%	2.49%
Debt / Equity	0.85x	0.86x	0.70x	0.99x	1.63x	1.71x	3.05x	2.82x	2.75x	2.52x
Interest Coverage	17.45x	16.53x	15.48x	8.85x	-5.43x	1.76x	2.56x	1.79x	1.28x	1.56x
FCF Conversion	1.41x	1.39x	1.47x	2.18x	-1.28x	41.50x	3.37x	2.93x	7.59x	3.68x
Revenue Growth	5.9%	4.3%	6.3%	1.65%	0.54%	-10.85%	12.92%	10.67%	-2.04%	-3.22%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Checks1	-	-	-	-	-	-	-	728.99M	721.09M	702.7M
Checks1 Growth	-	-	-	-	-	-	-	-	-1.08%	-2.55%
Merchant services	-	-	-	-	-	-	-	-	-	384.04M
Merchant services Growth	-	-	-	-	-	-	-	-	-	-
Treasury management solutions	-	-	-	148.01M	193.53M	-	-	241.19M	240.32M	225.57M
Treasury management solutions Growth	-	-	-	-	30.75%	-	-	-	-0.36%	-6.14%
Data-driven marketing solutions	-	-	-	147.89M	157.71M	-	-	177.6M	192.66M	214.59M
Data-driven marketing solutions Growth	-	-	-	-	6.64%	-	-	-	8.48%	11.38%
Other Payment Solutions	-	-	-	-	-	-	-	-	-	62.28M
Other Payment Solutions Growth	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	10.76M
Other Growth	-	-	-	-	-	-	-	-	-	-
Merchant services and other payment solutions	-	-	-	-	-	-	-	437.39M	450.38M	-
Merchant services and other payment solutions Growth	-	-	-	-	-	-	-	-	2.97%	-
Marketing and promotional solutions	-	-	-	-	-	-	-	273M	278.2M	-
Marketing and promotional solutions Growth	-	-	-	-	-	-	-	-	1.91%	-
Forms and other products	-	-	-	-	-	-	-	289.92M	263.45M	-
Forms and other products Growth	-	-	-	-	-	-	-	-	-9.13%	-
Web and hosted solutions	-	-	-	-	-	-	-	89.93M	46.16M	-
Web and hosted solutions Growth	-	-	-	-	-	-	-	-	-48.67%	-
Product	-	-	-	1.45B	-	1.23B	1.24B	-	-	-
Product Growth	-	-	-	-	-	-	1.13%	-	-	-
Marketing solutions and other services	-	-	755.68M	-	886.15M	-	-	-	-	-
Marketing solutions and other services Growth	-	-	-	-	-	-	-	-	-	-
Checks including contract settlements	873.3M	865.28M	851.04M	810.39M	783.2M	-	-	-	-	-
Checks including contract settlements Growth	-	-0.92%	-1.65%	-4.78%	-3.36%	-	-	-	-	-
Forms, accessories and other products	-	-	-	347.74M	339.37M	-	-	-	-	-
Forms, accessories and other products Growth	-	-	-	-	-2.41%	-	-	-	-	-
Small business marketing solutions	-	-	-	292.25M	281.55M	-	-	-	-	-
Small business marketing solutions Growth	-	-	-	-	-3.66%	-	-	-	-	-
Web services	-	-	-	161.65M	166.03M	-	-	-	-	-
Web services Growth	-	-	-	-	2.71%	-	-	-	-	-
Fraud, security, risk management and operational services	-	-	-	90.11M	87.34M	-	-	-	-	-
Fraud, security, risk management and operational services Growth	-	-	-	-	-3.07%	-	-	-	-	-
Variable consideration	-	-	-	130M	-	-	-	-	-	-
Variable consideration Growth	-	-	-	-	-	-	-	-	-	-
Forms	215.66M	215.78M	211.65M	-	-	-	-	-	-	-
Forms Growth	-	0.06%	-1.92%	-	-	-	-	-	-	-
Accessories and other products	151.39M	151.08M	147.19M	-	-	-	-	-	-	-
Accessories and other products Growth	-	-0.21%	-2.57%	-	-	-	-	-	-	-
Marketing solutions, including services	532.47M	616.92M	-	-	-	-	-	-	-	-
Marketing solutions, including services Growth	-	15.86%	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	1.7B	-	-	1.87B	1.89B	1.68B	1.9B	2.12B	2.09B	-
UNITED STATES Growth	-	-	-	-	0.89%	-11.11%	13.06%	11.78%	-1.57%	-
Non-US	-	-	-	126.65M	120.68M	112.59M	124.81M	117.03M	104.61M	-
Non-US Growth	-	-	-	-	-4.71%	-6.70%	10.85%	-6.24%	-10.61%	-
Foreign, primarily Canada	71.25M	-	-	-	-	-	-	-	-	-
Foreign, primarily Canada Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Deluxe Corporation (DLX) has a price-to-earnings (P/E) ratio of 20.6x. This is roughly in line with market averages.

Growth & Financials

Deluxe Corporation (DLX) reported $2.12B in revenue for fiscal year 2024. This represents a 49% increase from $1.42B in 2011.

Deluxe Corporation (DLX) saw revenue decline by 3.2% over the past year.

Yes, Deluxe Corporation (DLX) is profitable, generating $82.7M in net income for fiscal year 2024 (2.5% net margin).

Dividend & Returns

Yes, Deluxe Corporation (DLX) pays a dividend with a yield of 4.98%. This makes it attractive for income-focused investors.

Deluxe Corporation (DLX) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Deluxe Corporation (DLX) generated $154.8M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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