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Deluxe Corp

DLX

Blankbooks, Looseleaf Binders & Bookbindg & Relatd Work

Mkt Cap

$971.9M

PE

28.47

Debt

$1.592B

Cash

$134.8M

EV

$2.429B

FCF

-

Market Cap

$971.9M

P/E Ratio

28.47

Debt

$1.592B

Cash

$134.8M

EV

$2.429B

FCF

-
Charts data: {"Earnings":[{"time":"2014-12-30","value":198719000},{"time":"2015-12-30","value":217169000},{"time":"2016-12-30","value":227512000},{"time":"2017-12-30","value":228698000},{"time":"2018-12-30","value":149013000},{"time":"2019-12-30","value":-199998000},{"time":"2020-12-30","value":8755000},{"time":"2021-12-30","value":62587000},{"time":"2022-12-30","value":65348000},{"time":"2023-12-30","value":26082000}],"Sales":[{"time":"2014-12-30","value":1674082000},{"time":"2015-12-30","value":1772817000},{"time":"2016-12-30","value":1849062000},{"time":"2017-12-30","value":1965556000},{"time":"2018-12-30","value":1998025000},{"time":"2019-12-30","value":2008715000},{"time":"2020-12-30","value":1790781000},{"time":"2021-12-30","value":2022197000},{"time":"2022-12-30","value":2238010000},{"time":"2023-12-30","value":2192260000}],"Net Margins":[{"time":"2014-12-30","value":0.11870326543144243},{"time":"2015-12-30","value":0.12249938938988063},{"time":"2016-12-30","value":0.1230418450003299},{"time":"2017-12-30","value":0.1163528284108924},{"time":"2018-12-30","value":0.07458014789604735},{"time":"2019-12-30","value":-0.09956514488118026},{"time":"2020-12-30","value":0.004888928350256117},{"time":"2021-12-30","value":0.030950001409358236},{"time":"2022-12-30","value":0.029199154606100956},{"time":"2023-12-30","value":0.011897311450284182}],"Assets":[{"time":"2014-12-30","value":1688391000},{"time":"2015-12-30","value":1844402000},{"time":"2016-12-30","value":2184338000},{"time":"2017-12-30","value":2208827000},{"time":"2018-12-30","value":2305096000},{"time":"2019-12-30","value":1943311000},{"time":"2020-12-30","value":1874863000},{"time":"2021-12-30","value":3074384000},{"time":"2022-12-30","value":3076520000},{"time":"2023-12-30","value":3080622000}],"Stockholders Equity":[{"time":"2014-12-30","value":647497000},{"time":"2015-12-30","value":745069000},{"time":"2016-12-30","value":880970000},{"time":"2017-12-30","value":1015013000},{"time":"2018-12-30","value":915413000},{"time":"2019-12-30","value":570861000},{"time":"2020-12-30","value":540838000},{"time":"2021-12-30","value":574598000},{"time":"2022-12-30","value":604224000},{"time":"2023-12-30","value":604616000}],"ROE":[{"time":"2014-12-30","value":0.306903352447965},{"time":"2015-12-30","value":0.29147501775003387},{"time":"2016-12-30","value":0.25825169983086826},{"time":"2017-12-30","value":0.22531534078873866},{"time":"2018-12-30","value":0.16278226330628906},{"time":"2019-12-30","value":-0.35034447965441673},{"time":"2020-12-30","value":0.0161878418306406},{"time":"2021-12-30","value":0.10892310798158017},{"time":"2022-12-30","value":0.10815194365003707},{"time":"2023-12-30","value":0.043138124032443735}],"ROA":[{"time":"2014-12-30","value":0.19701182960581998},{"time":"2015-12-30","value":0.19211158955585605},{"time":"2016-12-30","value":0.1688049193851867},{"time":"2017-12-30","value":0.14994021713787453},{"time":"2018-12-30","value":0.10030862055202908},{"time":"2019-12-30","value":-0.08137709301290426},{"time":"2020-12-30","value":0.02373773443712954},{"time":"2021-12-30","value":0.04623820576739926},{"time":"2022-12-30","value":0.05507716510862923},{"time":"2023-12-30","value":0.05219432958668736}]}

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, Data 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; data-driven marketing solutions and hosted solutions, such as digital engagement, logo design, financial institution profitability reporting, and business incorporation services, as well as web hosting and design 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 Minneapolis, Minnesota.

Sector

  • ACCO Logo

    ACCO

In the chart Earnings are multiplied by this value.

Earnings Growth -22%
Earnings Stability 60%

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Net Margin12%12%12%7.5%-10%0.49%3.1%2.9%1.2%1.6%
ROA19%17%15%10%-8.1%2.4%4.6%5.5%5.2%6.3%
ROE29%26%23%16%-35%1.6%11%11%4.3%5.6%

What is the average Net Margin?

The average Net Margin over the past 5 years is +0.87%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is +0.28%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +3.27%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is +0.55%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is +1.48%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is +2.49%.

Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Debt FCF2.382.922.593.294.01-----
Debt Equity0.850.900.741.001.551.553.062.872.802.62
MIN
Graham Stability--100%66%-99%15%--57%-99%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is 0.72.

What is the Graham’s Stability?

Graham’s Stability measure stands at -0.99.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201612-201812-202012-2022Trend
Revenue2.5%1.9%7%-2%-0.2%
Net Income-27%-29%44%-60%18%
Stockholders Equity-5.2%-8%3.8%0.065%-1.9%
FCF-----7%

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is +1.87%.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is -0.2%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -29.43%.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is +18.04%.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is -7.96%.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -1.88%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -7.02%.