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Deluxe

NYQ:DLX · US2480191012
Commercial Services & SuppliesMedium

360

83
EV / EBIT70
Price / Owner Earnings91
Owner Earnings Yield84
Dividend Yield1
Price/Sales83
EV / Gross Profit76
Price/Book64
Return on Capital63
Cash Return on Capital51
Return on Equity75
EBIT Margin86
Gross Profitability80
Cash Conversion56
Accruals67
Owner Earnings Margin82
Sales growth10
Profit Growth51
Long-Term EPS Growth64
Owner Earnings Growth83
Reinvestment38
Price momentum90
Debt load28
Refinancing52
Debt Payback31
Liquidity49
Analyst ratings47
Opinion Changes50
Price Target Upside78
Market mood37
Value Creation14/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Deluxe generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryCommercial Services & Supplies
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1920
Employees2,512
Websitedeluxe.com
ISINUS2480191012
Last UpdateApr 2, 2026
Index & Theme
Anti-FraudPayment Facilitator EnablersOnline PaymentsFintechProcess AutomationMarketing AutomationBusiness DevelopmentFinancial ServicesMarketingPaymentsSearch Engine

Description

Deluxe Corporation (Deluxe) operates as a payments and data company. The company serves small and medium-sized businesses, financial institutions, and some of the world's largest consumer brands. The company primarily catering to clients and customer…

Analysis

Hidden champion

Deluxe Corporation is what we call a hidden champion: a strong business that the market is not pricing as one.

The price is attractive. You pay 7.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -8% yearly growth; analysts expect 10%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is fragile. The company scores 14/20 on our value-creation score: strong value creator. Analysts lean positive.

What to watch: The financial cushion is thinner than comfortable. A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
47
2023202420252026

All-time high

71

Jan 2023

All-time low

10

Jan 2024

Average rank

41

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
83
88
87
79
Price/Earnings
83
97
97
97
Price/Book
64
97
85
66
Dividend Yield
1
100
100
100
Value (overall)
63
99
98
93

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →