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Deluxe Corporation (DLX) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Deluxe Corporation

DLXMarket cap $1.03BPrice $22.4

Country🇺🇸United States

SectorIndustrials

IndustryCommercial Services

Deluxe still prints checks, but that's a small slice today. It processes payments, verifies fraud, and powers payroll for banks and small businesses nationwide—quietly running the financial plumbing behind 4,000+ banks while everyone assumes checks are dead.

In Bastion Portfolios?

52W Return+29%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-2%2

Revenue Forecast

Rev CAGR (1y)-1%2

Rev CAGR (3y)+2%2

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1+111%10

EPS Growth Y+2+9%6

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin13%5

Net Income Margin5%4

Free Cash Flow Margin10%6

Debt

Net Debt/EBITDA3.43

Efficiency

ROE15%6

ROA4%5

Earnings Stability77

GEAR+AVERAGE36

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)510

P/BV1.48

EV Multiples

EV/EBITDA Fwd59

EV/EBIT Fwd108

Yield

Free Cash Flow Yield20.4%10

Dividend Yield5.4%10

Momentum

Short term

1 month return-5%5

3 month return-5%5

YTD return+4%5

Mid term

Price vs 52wHigh72%4

1 year return+24%7

Long term

3 year return+44%5

5 year return-18%3

Risk Shield

Price Risk

Beta1.13

Volatility40%5

Free Cash Flow

Free Cash Flow Margin10%6

Free Cash Flow Yield20.4%10

Quality

ROCE13%7

Earnings Stability77

Net Debt/EBITDA3.43

02Growth

Is it actually growing, and how fast?

DLXDeluxe

Revenue FY25$2.1B

GROWTH RATING↗

VERY WEAK13 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-2%2

Revenue, next 1Y-1%2

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+111%10

EPS growth, FY27E+9%6

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 9%/yr vs revenue 2%/yr), so margins should widen.

WATCH

After shrinking over the last 3 years, revenue is set to grow 2%/yr from here.

WEAKNESSES

Growth is the weak spot here, trailing 87% of companies worldwide.

Revenue fell 2%/yr over the last 3 years, behind 80% of companies worldwide.2/10

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: revenue has shrunk over the past 3 years.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-5%5

YTD return+4%5

MID & LONG-TERM▾SCORE

% of 52-week high72%4

1-year return+24%7

3-year return+44%5

5-year return-18%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+44% over three years and -18% over five), roughly average for the market.

It's up 24% over the past year, but 28% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-5%) and so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Deluxe Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

DLXDeluxe

Revenue FY25$2.1B

GROWTH RATING↗

VERY WEAK13 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-2%2

Revenue, next 1Y-1%2

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+111%10

EPS growth, FY27E+9%6

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 9%/yr vs revenue 2%/yr), so margins should widen.

WATCH

After shrinking over the last 3 years, revenue is set to grow 2%/yr from here.

WEAKNESSES

Growth is the weak spot here, trailing 87% of companies worldwide.

Revenue fell 2%/yr over the last 3 years, behind 80% of companies worldwide.2/10

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: revenue has shrunk over the past 3 years.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-5%5

YTD return+4%5

MID & LONG-TERM▾SCORE

% of 52-week high72%4

1-year return+24%7

3-year return+44%5

5-year return-18%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+44% over three years and -18% over five), roughly average for the market.

It's up 24% over the past year, but 28% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-5%) and so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Deluxe Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community