# Deluxe Corporation (DLX) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Communication Services / Diversified Telecommunication Services. Price $24.29, market value $1.1 billion.

## Valuation
- **P/E (trailing): 11.1×** (5-yr avg 17.5×, 3-yr avg 20.4×). Deluxe Corporation trades at 11.1× trailing earnings, well below its own five-year average of 17.5×: cheap by its own standards. The Communication Services median in the September 2026 study was 21.1×. Forward P/E is 5.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.11**. A PEG of 0.11 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.5×**. Each dollar of revenue is priced at 0.5×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 6.4×**. Enterprise value is 6.4× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 18.8%** (5-yr avg 13.5%). Free cash flow equals 18.8% of the market value, above its five-year average of 13.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.0%**. The inverse of the P/E: 9.0% of the price is earned each year.

## Profitability
- **Operating margin: 11.9%**. 11.9% of revenue is left after running the business.
- **Net margin: 3.8%**. 3.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.1%**. 12.1% on shareholders' equity is solid.
- **Return on invested capital: 9.6%**. Return on all capital, debt included, is 9.6%.
- **Return on assets: 3.5%**. Each dollar of assets produces 3.5% of profit.

## Growth
- **Revenue growth (1 yr): 0.5%** (3-yr -1.6%/yr, 5-yr 3.6%/yr). Revenue grew 0.5% over the last year, against 3.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 52.5%** (3-yr 6.3%/yr, 5-yr 74.9%/yr). Earnings per share rose 52.5%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Debt to equity: 2.10**. Debt is 2.10 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 3.5×**. It would take 3.5 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.95%** ($1.20 per share, trailing). Deluxe Corporation yields 3.95%, an income-level yield.
- **Payout ratio: 67%** (27% of free cash flow). 67% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 30.0%** (YTD 11.4%, 3-mo 4.9%). The shares are up 30.0% over twelve months including dividends.
- **From 52-week high: -24.3%** (36.8% above the low). Trading 24% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.34** (volatility 40%). Beta of 0.34 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=DLX · Page: https://foliofundamentals.com/stocks/dlx

Not investment advice.