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Deluxe Corporation
$1.1B
Market Cap
12.4
P/E
0.66
PEG
8.5%
ROCE
12.6%
ROE
2.22
D/E
12.5%
OPM
-23.5%
% from 52W High
72
α RS
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Currency-adjusted total returns for DLX including FX impact
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About

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.

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⭐ Superinvestors Holding DLX
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 51.2K $1.4M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-08-05
Q2 and first-half results showed strong growth in adjusted revenue, EBITDA, and free cash flow, with payments and data now 52% of revenue. The Celero acquisition boosts scale and future growth, while guidance for 2026 was raised across key metrics.
Q1 2026 Q1 2026 2026-05-06
Q1 2026 saw strong organic growth in revenue, adjusted EBITDA, EPS, and free cash flow, with payments and data now over half of total revenue. Debt reduction targets were met early, guidance was updated for the Safeguard divestiture, and AI adoption is driving efficiency gains.
Q4 2025 Q4 2025 2026-01-28
Delivered strong 2025 results with revenue and profit growth, margin expansion, and accelerated free cash flow, achieving 2026 targets early. Payments and Data now comprise 47% of revenue, with Data up 31% year-over-year, and guidance for 2026 projects continued growth and margin improvement.
Q3 2025 Q3 2025 2025-11-05
Third-quarter results showed strong revenue and profit growth, margin expansion, and robust free cash flow, with payments and data segments driving performance. The company achieved its leverage target ahead of schedule and raised full-year adjusted EPS guidance while maintaining disciplined capital allocation.
Q2 2025 Q2 2025 2025-08-06
Q2 saw strong adjusted EBITDA and margin expansion despite a 2.5% revenue decline, with robust growth in data solutions and improved free cash flow. Guidance for revenue and earnings was affirmed, free cash flow outlook raised, and leverage continued to improve.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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