1.48%
-29.02%
-28.96%
-20.06%
-15.20%
-45.80%
-50.29%
AI Spotlight on DLX
Company Description
Deluxe Corporation provides technology-enabled solutions to enterprises, small businesses, and financial institutions in the United States, Canada, Australia, South America, and Europe.It operates through four segments: Payments, Cloud Solutions, Promotional Solutions, and Checks.The company provides treasury management solutions, including remittance and lockbox processing, remote deposit capture, receivables management, payment processing, and paperless treasury management solutions, as well as payment exchange, and fraud and security services; web hosting and design services, data-driven marketing solutions and hosted solutions, such as digital engagement, logo design, financial institution profitability reporting, and business incorporation services.
It also offers business forms, accessories, advertising specialties, promotional apparel, and retail packaging services; and printed personal and business checks.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 Shoreview, Minnesota.
Market Data
| Last Price | 16.46 |
| Change Percentage | 1.48% |
| Open | 16.2 |
| Previous Close | 16.22 |
| Market Cap ( Millions) | 731 |
| Volume | 428976 |
| Year High | 24.87 |
| Year Low | 16.01 |
| M A 50 | 21.03 |
| M A 200 | 21.25 |
Financial Ratios
| FCF Yield | 13.66% |
| Dividend Yield | 7.29% |
| ROE | 5.31% |
| Debt / Equity | 55.26% |
| Net Debt / EBIDTA | 407.34% |
| Price To Book | 0.26 |
| Price Earnings Ratio | 11.93 |
| Price To FCF | 7.32 |
| Price To sales | 0.34 |
| EV / EBITDA | 6.02 |
News
- Feb -21 - Morgan “Mac” Schuessler Elected to Deluxe Board of Directors
- Feb -06 - Deluxe Corporation (DLX) Q4 2024 Earnings Call Transcript
- Feb -06 - Deluxe (DLX) Q4 Earnings Surpass Estimates
- Feb -05 - Deluxe Corporation Fourth Quarter and Full Year 2024 Financial Results Available on Company's Website
- Jan -22 - Deluxe to Report Fourth Quarter and Full Year 2024 Results on February 5, 2025
- Jan -21 - Deluxe Launches Mobile App dlxPAY to Provide Merchants with Seamless Payment Solutions
- Dec -17 - 4 Value Stocks to Buy as Wall Street Awaits Fed's Rate Decision
- Dec -04 - Deluxe President and CEO Barry McCarthy to Deliver Keynote Address at Dale Carnegie International Convention
- Dec -04 - 3 Small-Cap Stocks on the Rise With Over 4% Dividend Yields
- Dec -03 - Recent Price Trend in Deluxe (DLX) is Your Friend, Here's Why
- Nov -29 - Wall Street Analysts Predict a 40.4% Upside in Deluxe (DLX): Here's What You Should Know
- Nov -26 - 5 Stocks to Consider for Your Portfolios Following Broker Upgrades
- Nov -24 - Deluxe Corporation: Deleveraging Path Heavily Execution Dependent
- Nov -19 - Deluxe Announces Pricing of Senior Secured Notes Offering
- Nov -18 - Deluxe Announces Senior Secured Notes Offering
- Nov -14 - Why Fast-paced Mover Deluxe (DLX) Is a Great Choice for Value Investors
- Nov -13 - Why Deluxe (DLX) Might be Well Poised for a Surge
- Nov -13 - How Much Upside is Left in Deluxe (DLX)? Wall Street Analysts Think 37.85%
- Nov -13 - Deluxe (DLX) Is a Great Choice for 'Trend' Investors, Here's Why
- Nov -07 - Deluxe Corporation (DLX) Q3 2024 Earnings Call Transcript
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Checks
Expected Growth : 1.2 %
What the company do ?
Checks from Deluxe Corporation are personalized business checks designed for small businesses, offering a secure and convenient way to manage finances.
Why we expect these perspectives ?
Deluxe Corporation's 1.2% growth is driven by increasing demand for digital payment solutions, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on small businesses and financial institutions has led to increased sales of checks and other payment products, contributing to its growth.
Segment n°2 -> Payments
Expected Growth : 0.8 %
What the company do ?
Deluxe Corporation's Payments segment offers payment processing solutions, including credit card processing, electronic funds transfer, and other payment services to businesses.
Why we expect these perspectives ?
Deluxe Corporation's 0.8 growth is driven by increasing demand for digital payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on innovation, cost savings initiatives, and effective pricing strategies have contributed to its growth.
Segment n°3 -> Promotional Solutions
Expected Growth : 1.5 %
What the company do ?
Deluxe Corporation's Promotional Solutions offer customized marketing materials and services to help small businesses and financial institutions promote their brand and acquire new customers.
Why we expect these perspectives ?
Deluxe Corporation's Promotional Solutions segment growth of 1.5% is driven by increasing demand for digital marketing solutions, expansion into new markets, and strategic partnerships. Additionally, the segment benefits from Deluxe's strong brand recognition, innovative product offerings, and cost savings initiatives. These factors contribute to the segment's steady growth, despite intense competition in the promotional products industry.
Segment n°4 -> Data Solutions
Expected Growth : 1.3 %
What the company do ?
Data Solutions from Deluxe Corporation provides comprehensive data management and analytics services to help businesses make informed decisions and drive growth.
Why we expect these perspectives ?
Deluxe Corporation's 1.3% growth in Data Solutions is driven by increasing demand for digital transformation, rising adoption of cloud-based services, and growing need for data analytics and insights. Additionally, Deluxe's strategic acquisitions and investments in emerging technologies, such as artificial intelligence and machine learning, are contributing to its growth momentum.
Deluxe Corporation Products
| Product Range | What is it ? |
|---|---|
| Checks and Accessories | Deluxe Corporation provides a wide range of checks and accessories, including business checks, personal checks, and accessories such as checkbook covers and check registers. |
| Website Development and Hosting | Deluxe Corporation offers website development and hosting services, enabling businesses to establish an online presence and reach a wider audience. |
| Search Engine Optimization (SEO) and Marketing | Deluxe Corporation provides SEO and marketing services, helping businesses improve their online visibility and drive more traffic to their websites. |
| Logo Design and Branding | Deluxe Corporation offers logo design and branding services, enabling businesses to establish a strong brand identity and differentiate themselves from competitors. |
| Print and Digital Marketing Materials | Deluxe Corporation provides a range of print and digital marketing materials, including business cards, brochures, and flyers. |
| Merchant Services | Deluxe Corporation offers merchant services, enabling businesses to process payments and manage their transactions efficiently. |
| Web Design and Development | Deluxe Corporation provides web design and development services, helping businesses to create custom websites that meet their unique needs. |
Deluxe Corporation's Porter Forces
Threat Of Substitutes
Deluxe Corporation operates in a niche market with limited substitutes, but the threat of digital alternatives is increasing.
Bargaining Power Of Customers
Deluxe Corporation's customers are primarily small businesses and financial institutions, which have limited bargaining power.
Bargaining Power Of Suppliers
Deluxe Corporation relies on a few large suppliers for paper and ink, which gives them some bargaining power, but the company's scale and diversification mitigate this risk.
Threat Of New Entrants
The barriers to entry in Deluxe Corporation's market are relatively high, with significant capital expenditures required to establish a competitive business.
Intensity Of Rivalry
Deluxe Corporation operates in a highly competitive market with several established players, leading to intense rivalry and pricing pressure.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 72.49% |
| Debt Cost | 11.30% |
| Equity Weight | 27.51% |
| Equity Cost | 11.30% |
| WACC | 11.30% |
| Leverage | 263.46% |
Deluxe Corporation : Quality Control
Deluxe Corporation passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| INUV | Inuvo, Inc., a technology company, develops and sells information technology solutions in the United States. The company's platforms identify and message online audiences for various products or services across devices, … |
| TSQ | Townsquare Media, Inc. operates as a digital media and marketing solutions company in small and medium-sized businesses. It operates through three segments: Subscription Digital Marketing Solutions, Digital Advertising, and Broadcast … |
| STCN | Steel Connect, Inc., together with its subsidiaries, provides direct marketing and supply chain services in the United States, Mainland China, and internationally. The company provides data-driven marketing solutions, including strategy, … |
| HHS | Harte Hanks, Inc. operates as a customer experience company in the United States and internationally. It operates through three segments: Marketing Services, Customer Care, and Fulfillment & Logistics Services. The … |
| EEX | Emerald Holding, Inc. operates business-to-business (B2B) trade shows in the United States. The company operates trade shows in various industry sectors, including retail, design and construction, technology, equipment, and safety … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Deluxe
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Townsquare Media
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Steel Connect
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4
Harte Hanks
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5
Inuvo
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1-Year Total Return ->
6
