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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.11
DLX's Cash to Debt is ranked lower than
70% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.59 vs. DLX: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
DLX' s 10-Year Cash to Debt Range
Min: 0.01   Max: 2.73
Current: 0.11

0.01
2.73
Equity to Asset 0.41
DLX's Equity to Asset is ranked higher than
54% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.37 vs. DLX: 0.41 )
Ranked among companies with meaningful Equity to Asset only.
DLX' s 10-Year Equity to Asset Range
Min: -0.53   Max: 0.63
Current: 0.41

-0.53
0.63
Interest Coverage 9.11
DLX's Interest Coverage is ranked higher than
61% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 2.39 vs. DLX: 9.11 )
Ranked among companies with meaningful Interest Coverage only.
DLX' s 10-Year Interest Coverage Range
Min: 3.5   Max: 67.91
Current: 9.11

3.5
67.91
F-Score: 5
Z-Score: 4.01
M-Score: -2.47
WACC vs ROIC
11.24%
20.59%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 19.82
DLX's Operating margin (%) is ranked higher than
88% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 2.78 vs. DLX: 19.82 )
Ranked among companies with meaningful Operating margin (%) only.
DLX' s 10-Year Operating margin (%) Range
Min: 10.05   Max: 26.86
Current: 19.82

10.05
26.86
Net-margin (%) 11.67
DLX's Net-margin (%) is ranked higher than
84% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. DLX: 11.67 )
Ranked among companies with meaningful Net-margin (%) only.
DLX' s 10-Year Net-margin (%) Range
Min: 2.33   Max: 16.69
Current: 11.67

2.33
16.69
ROE (%) 32.29
DLX's ROE (%) is ranked higher than
93% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 3.18 vs. DLX: 32.29 )
Ranked among companies with meaningful ROE (%) only.
DLX' s 10-Year ROE (%) Range
Min: 6.76   Max: 299.85
Current: 32.29

6.76
299.85
ROA (%) 12.06
DLX's ROA (%) is ranked higher than
89% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.62 vs. DLX: 12.06 )
Ranked among companies with meaningful ROA (%) only.
DLX' s 10-Year ROA (%) Range
Min: 3.85   Max: 35.51
Current: 12.06

3.85
35.51
ROC (Joel Greenblatt) (%) 364.29
DLX's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 9.25 vs. DLX: 364.29 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
DLX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 68.31   Max: 352.06
Current: 364.29

68.31
352.06
Revenue Growth (3Y)(%) 6.50
DLX's Revenue Growth (3Y)(%) is ranked higher than
75% of the 922 Companies
in the Global Business Services industry.

( Industry Median: -8.00 vs. DLX: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DLX' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.6   Max: 18.8
Current: 6.5

-9.6
18.8
EBITDA Growth (3Y)(%) 6.60
DLX's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 6.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DLX' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15.2   Max: 23.8
Current: 6.6

-15.2
23.8
EPS Growth (3Y)(%) 12.20
DLX's EPS Growth (3Y)(%) is ranked higher than
81% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 12.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DLX' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.6   Max: 62
Current: 12.2

-17.6
62
» DLX's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

DLX Guru Trades in Q2 2014

David Dreman 1,097 sh (New)
Jim Simons 713,300 sh (+3.27%)
Mario Gabelli 4,600 sh (unchged)
Scott Black 64,667 sh (-0.54%)
Bill Frels 795,327 sh (-1.73%)
Murray Stahl 18,250 sh (-3.18%)
John Keeley 42,600 sh (-6.58%)
Joel Greenblatt 189,552 sh (-42.24%)
» More
Q3 2014

DLX Guru Trades in Q3 2014

Ray Dalio 4,200 sh (New)
Scott Black 146,125 sh (+125.97%)
Bill Frels 796,364 sh (+0.13%)
Mario Gabelli 4,600 sh (unchged)
John Keeley 42,600 sh (unchged)
David Dreman Sold Out
Murray Stahl 17,150 sh (-6.03%)
Jim Simons 615,800 sh (-13.67%)
Joel Greenblatt 70,022 sh (-63.06%)
» More
Q4 2014

DLX Guru Trades in Q4 2014

Joel Greenblatt 132,284 sh (+88.92%)
Scott Black 159,030 sh (+8.83%)
Bill Frels 798,877 sh (+0.32%)
Mario Gabelli 4,600 sh (unchged)
Murray Stahl 16,850 sh (-1.75%)
John Keeley 34,520 sh (-18.97%)
Ray Dalio 3,322 sh (-20.90%)
Jim Simons 417,500 sh (-32.20%)
» More
Q1 2015

DLX Guru Trades in Q1 2015

Paul Tudor Jones 6,400 sh (New)
James Barrow 21,179 sh (New)
Ray Dalio 4,222 sh (+27.09%)
Bill Frels 809,380 sh (+1.31%)
Mario Gabelli 4,600 sh (unchged)
Scott Black 158,605 sh (-0.27%)
John Keeley 33,720 sh (-2.32%)
Murray Stahl 16,050 sh (-4.75%)
Jim Simons 381,500 sh (-8.62%)
Joel Greenblatt 68,813 sh (-47.98%)
» More
» Details

Insider Trades

Latest Guru Trades with DLX

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.20
DLX's P/E(ttm) is ranked higher than
79% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 36.90 vs. DLX: 16.20 )
Ranked among companies with meaningful P/E(ttm) only.
DLX' s 10-Year P/E(ttm) Range
Min: 3.77   Max: 19.64
Current: 16.2

3.77
19.64
Forward P/E 11.43
DLX's Forward P/E is ranked higher than
87% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 11.43 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
DLX's PE(NRI) is ranked higher than
80% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 77.80 vs. DLX: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
DLX' s 10-Year PE(NRI) Range
Min: 3.75   Max: 19.71
Current: 16.7

3.75
19.71
P/B 4.70
DLX's P/B is ranked lower than
75% of the 834 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. DLX: 4.70 )
Ranked among companies with meaningful P/B only.
DLX' s 10-Year P/B Range
Min: 3.11   Max: 85.3
Current: 4.7

3.11
85.3
P/S 1.90
DLX's P/S is ranked lower than
60% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 1.29 vs. DLX: 1.90 )
Ranked among companies with meaningful P/S only.
DLX' s 10-Year P/S Range
Min: 0.23   Max: 2.05
Current: 1.9

0.23
2.05
PFCF 13.20
DLX's PFCF is ranked higher than
80% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 42.00 vs. DLX: 13.20 )
Ranked among companies with meaningful PFCF only.
DLX' s 10-Year PFCF Range
Min: 1.72   Max: 14.35
Current: 13.2

1.72
14.35
POCF 11.62
DLX's POCF is ranked higher than
73% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 40.91 vs. DLX: 11.62 )
Ranked among companies with meaningful POCF only.
DLX' s 10-Year POCF Range
Min: 1.42   Max: 12.22
Current: 11.62

1.42
12.22
EV-to-EBIT 11.14
DLX's EV-to-EBIT is ranked higher than
81% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 33.12 vs. DLX: 11.14 )
Ranked among companies with meaningful EV-to-EBIT only.
DLX' s 10-Year EV-to-EBIT Range
Min: 5.9   Max: 14.6
Current: 11.14

5.9
14.6
PEG 2.39
DLX's PEG is ranked higher than
87% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 2.39 )
Ranked among companies with meaningful PEG only.
DLX' s 10-Year PEG Range
Min: 0.24   Max: 61
Current: 2.39

0.24
61
Shiller P/E 19.20
DLX's Shiller P/E is ranked higher than
84% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 19.20 )
Ranked among companies with meaningful Shiller P/E only.
DLX' s 10-Year Shiller P/E Range
Min: 2.17   Max: 21.35
Current: 19.2

2.17
21.35
Current Ratio 0.48
DLX's Current Ratio is ranked lower than
72% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.25 vs. DLX: 0.48 )
Ranked among companies with meaningful Current Ratio only.
DLX' s 10-Year Current Ratio Range
Min: 0.2   Max: 1.44
Current: 0.48

0.2
1.44
Quick Ratio 0.42
DLX's Quick Ratio is ranked lower than
71% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. DLX: 0.42 )
Ranked among companies with meaningful Quick Ratio only.
DLX' s 10-Year Quick Ratio Range
Min: 0.16   Max: 1.35
Current: 0.42

0.16
1.35
Days Inventory 20.89
DLX's Days Inventory is ranked higher than
76% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 20.89 )
Ranked among companies with meaningful Days Inventory only.
DLX' s 10-Year Days Inventory Range
Min: 13.18   Max: 30.08
Current: 20.89

13.18
30.08
Days Sales Outstanding 20.25
DLX's Days Sales Outstanding is ranked higher than
92% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 86.11 vs. DLX: 20.25 )
Ranked among companies with meaningful Days Sales Outstanding only.
DLX' s 10-Year Days Sales Outstanding Range
Min: 9.36   Max: 31.64
Current: 20.25

9.36
31.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
DLX's Dividend Yield is ranked higher than
58% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.59 vs. DLX: 1.90 )
Ranked among companies with meaningful Dividend Yield only.
DLX' s 10-Year Dividend Yield Range
Min: 1.68   Max: 15.46
Current: 1.9

1.68
15.46
Dividend Payout 0.30
DLX's Dividend Payout is ranked higher than
85% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
DLX' s 10-Year Dividend Payout Range
Min: 0.26   Max: 9.25
Current: 0.3

0.26
9.25
Dividend growth (3y) 4.80
DLX's Dividend growth (3y) is ranked higher than
84% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 4.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
DLX' s 10-Year Dividend growth (3y) Range
Min: -14.5   Max: 4.8
Current: 4.8

-14.5
4.8
Yield on cost (5-Year) 2.10
DLX's Yield on cost (5-Year) is ranked higher than
55% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 1.85 vs. DLX: 2.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DLX' s 10-Year Yield on cost (5-Year) Range
Min: 1.85   Max: 17.07
Current: 2.1

1.85
17.07
Share Buyback Rate 0.80
DLX's Share Buyback Rate is ranked higher than
92% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
DLX' s 10-Year Share Buyback Rate Range
Min: 9.9   Max: -0.9
Current: 0.8

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.20
DLX's Price/DCF (Projected) is ranked higher than
78% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 5.10 vs. DLX: 1.20 )
Ranked among companies with meaningful Price/DCF (Projected) only.
DLX' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.64
Current: 1.2

0.25
1.64
Price/Median PS Value 2.00
DLX's Price/Median PS Value is ranked lower than
72% of the 921 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 2.00 )
Ranked among companies with meaningful Price/Median PS Value only.
DLX' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 2.57
Current: 2

0.37
2.57
Earnings Yield (Greenblatt) 9.20
DLX's Earnings Yield (Greenblatt) is ranked higher than
82% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 3.50 vs. DLX: 9.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
DLX' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.8   Max: 17
Current: 9.2

6.8
17
Forward Rate of Return (Yacktman) 10.93
DLX's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 922 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. DLX: 10.93 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
DLX' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1   Max: 48
Current: 10.93

-1
48

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:DL8.Germany,
Deluxe Corp was incorporated under the laws of the State of Minnesota in 1920. From 1920 until 1988 the Company was named Deluxe Check Printers, Incorporated. Through its businesses and brands and subsidiaries, the Company helps small businesses and financial institutions to manage, promote, and grow their businesses. The Company uses direct marketing, a North American sales force, financial institution referrals, independent distributors and the Internet to provide its customers products and services; personalized printed items, promotional products and merchandising materials, fraud prevention services and financial institution customer retention programs. The Company also sells personalized checks and accessories directly to consumers. The Company's business segments consist of Small Business Services, Financial Services and Direct Checks. Small Business Services operates under various brands including Deluxe, NEBS, Safeguard, PsPrint, Hostopia, Logo Mojo, Aplus.netSM, OrangeSodaSM and VerticalResponse. This segment sells personalized printed products, which include business checks, printed forms, promotional products, marketing materials and related services, as well as retail packaging supplies and a suite of business services, including web design and hosting, fraud protection, payroll, logo design, search engine marketing and business networking, to over four million small business customers in the United States, Canada and Europe. Financial Services sells personal and business checks, check-related products and services, customer loyalty and retention programs, fraud monitoring and protection services, and stored value gift cards to banks and other financial institutions through a direct sales force. As part of its check programs, the Company also offers enhanced services such as customized reporting file management and expedited account conversion support. Direct Checks is direct-to-consumer check supplier, selling under the Checks Unlimited, Designer Checks and Checks.com brand names. Through these brands, the Company sells personal and business checks and related products and services directly to consumers using direct response marketing and the Internet. The Company is a provider of printed forms to small businesses. Printed forms include billing forms, work orders, job proposals, purchase orders, invoices and personnel forms. The Company's stationery, letterhead, envelopes and business cards are produced in a variety of formats and ink colors. These items are designed to provide small business owners with the documents necessary to manage their business. The Company also provides promotional printed items and digital printing services designed to fulfill selling and marketing needs of the small businesses. The principal raw materials used in producing its main products are paper, plastics, ink, cartons and printing plate material, which the Company purchases from various sources. Its competitors include office produc
» More Articles for DLX

Headlines

Articles On GuruFocus.com
Scott Black's Delphi Management Top 5 New Buys Jan 09 2014 
Mairs & Power Q3 Commentary Nov 15 2012 
5 Magic Formula Stocks With High Debt Burdens Oct 06 2011 
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Deluxe Corp. Reports Operating Results (10-Q) Nov 02 2010 
CHEAP STOCKS THAT RETURN CAPITAL TO SHAREHOLDERS: APOL, ARO, CSGS, DLX, ELNK, FRX, HRB, LO, PDLI, PP Sep 22 2010 
Deluxe Corp. Reports Operating Results (10-Q) Aug 05 2010 
Deluxe Corp. Reports Operating Results (10-Q) May 03 2010 
Deluxe Corp. Reports Operating Results (10-Q) Oct 29 2009 
DEBT ANALYSIS EXAMPLE: DELUXE CORP (DLX) Sep 04 2009 

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