Deluxe Corporation (DLX) AI Stock Analysis

Deluxe Corporation delivers technology-enabled solutions to enterprises, small businesses, and financial institutions across the United States, Canada, Australia, South America, and Europe. The company operates through four primary segments: Payments, Cloud Solutions, Promotional Solutions, and Checks. Its Payments segment provides treasury management solutions, including remittance processing, lockbox services, remote deposit capture, receivables management, and fraud prevention. Cloud Solutions offers web hosting, design services, logo design, financial institution profitability reporting, and business incorporation. Promotional Solutions delivers promotional apparel, retail packaging services, advertising specialties, and business forms. Established in 1915, Deluxe employs 4,571 people.

Annual revenue moved from $2.02B in FY2021 to $2.24B in FY2022, before reaching $2.19B in FY2023, $2.12B in FY2024, and $2.13B in FY2025, representing a 5-year revenue CAGR of 3.6%. Operating margin expanded from 7.0% in FY2021 to 12.1% in FY2025, while net income rose to $82.1M in FY2025 from $52.8M in FY2024 and $62.6M in FY2021. For the trailing twelve months, revenue totaled $2.11B with a net profit margin of 4.8%. In the latest quarter ended June 30, 2026, quarterly revenue fell 4.2% year-over-year, and quarterly earnings decreased 17.7% year-over-year.

As of June 30, 2026, Deluxe held $34.9M in cash and short-term investments against $1.46B in total debt, resulting in net debt of $1.43B. Shareholders' equity stood at $707.5M, yielding a debt-to-equity ratio of 2.07 and a current ratio of 1.20. In FY2025, operating cash flow reached $270.6M and free cash flow was $175.3M. The company directed capital toward $95.3M in capital expenditures and paid $55.2M in dividends, while share count increased 8.1% over 5 years.

Deluxe trades at a trailing P/E of 10.6x and a forward P/E of 5.5x, compared to medians of 24.8x and 17.2x for its US-listed Industrials peers. Its EV to EBITDA ratio is 6.3x versus the peer median of 13.9x, and its price-to-sales multiple sits at 0.5x compared to 1.5x for peers. The stock achieved a 1-year return of 36.1%, outperforming the S&P 500 return of 16.8%. However, its 5-year return of -18.4% trailed the S&P 500 gain of 83.0%.

Deluxe offers an annual forward dividend of $1.20 per share, representing a dividend yield of 5.18%. The company maintains a payout ratio of 32.1% and distributes dividends quarterly. Deluxe has paid consecutive dividends for 41 years, with a 5-year annualized dividend growth rate of 0.0%. Its last ex-dividend date was August 18, 2026.

Wall Street analysts covering Deluxe include 1 Strong Buy, 1 Buy, and 1 Hold rating. The mean price target is $32.25, indicating an upside of 39.1% above the last close of $23.18. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $3.78 on revenue of $2.10B. Deluxe has beaten EPS estimates in each of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Deluxe Corporation (DLX). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: DLX income statement, DLX balance sheet, DLX key metrics, DLX analyst forecast, DLX chart. See the DLX stock overview for the latest quote and news.