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Also traded in: Germany

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 0.10
DLX's Cash to Debt is ranked lower than
88% of the 738 Companies
in the Global Business Services industry.

( Industry Median: 1.28 vs. DLX: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
DLX' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.07 Max: 2.73
Current: 0.1
0.01
2.73
Equity to Asset 0.40
DLX's Equity to Asset is ranked lower than
64% of the 717 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. DLX: 0.40 )
Ranked among companies with meaningful Equity to Asset only.
DLX' s Equity to Asset Range Over the Past 10 Years
Min: -0.53  Med: 0.21 Max: 0.63
Current: 0.4
-0.53
0.63
Interest Coverage 17.44
DLX's Interest Coverage is ranked lower than
57% of the 525 Companies
in the Global Business Services industry.

( Industry Median: 35.02 vs. DLX: 17.44 )
Ranked among companies with meaningful Interest Coverage only.
DLX' s Interest Coverage Range Over the Past 10 Years
Min: 3.5  Med: 5.53 Max: 9.11
Current: 17.44
3.5
9.11
F-Score: 7
Z-Score: 3.69
M-Score: -2.54
WACC vs ROIC
9.93%
19.90%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 19.99
DLX's Operating margin (%) is ranked higher than
83% of the 726 Companies
in the Global Business Services industry.

( Industry Median: 5.58 vs. DLX: 19.99 )
Ranked among companies with meaningful Operating margin (%) only.
DLX' s Operating margin (%) Range Over the Past 10 Years
Min: 12.09  Med: 18.44 Max: 20.08
Current: 19.99
12.09
20.08
Net-margin (%) 12.33
DLX's Net-margin (%) is ranked higher than
79% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 3.87 vs. DLX: 12.33 )
Ranked among companies with meaningful Net-margin (%) only.
DLX' s Net-margin (%) Range Over the Past 10 Years
Min: 6.16  Med: 9.69 Max: 11.93
Current: 12.33
6.16
11.93
ROE (%) 31.07
DLX's ROE (%) is ranked higher than
91% of the 704 Companies
in the Global Business Services industry.

( Industry Median: 8.54 vs. DLX: 31.07 )
Ranked among companies with meaningful ROE (%) only.
DLX' s ROE (%) Range Over the Past 10 Years
Min: 33.18  Med: 54.68 Max: 215.85
Current: 31.07
33.18
215.85
ROA (%) 12.74
DLX's ROA (%) is ranked higher than
87% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 3.74 vs. DLX: 12.74 )
Ranked among companies with meaningful ROA (%) only.
DLX' s ROA (%) Range Over the Past 10 Years
Min: 7.5  Med: 11.18 Max: 12.52
Current: 12.74
7.5
12.52
ROC (Joel Greenblatt) (%) 409.33
DLX's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 726 Companies
in the Global Business Services industry.

( Industry Median: 24.08 vs. DLX: 409.33 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
DLX' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 134.95  Med: 211.73 Max: 353.2
Current: 409.33
134.95
353.2
Revenue Growth (3Y)(%) 6.50
DLX's Revenue Growth (3Y)(%) is ranked higher than
61% of the 571 Companies
in the Global Business Services industry.

( Industry Median: 4.00 vs. DLX: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DLX' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.6  Med: 1.90 Max: 18.8
Current: 6.5
-9.6
18.8
EBITDA Growth (3Y)(%) 6.60
DLX's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 476 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. DLX: 6.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DLX' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.2  Med: 7.30 Max: 23.8
Current: 6.6
-15.2
23.8
EPS Growth (3Y)(%) 12.00
DLX's EPS Growth (3Y)(%) is ranked higher than
62% of the 438 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. DLX: 12.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DLX' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.6  Med: 9.65 Max: 62
Current: 12
-17.6
62
» DLX's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

DLX Guru Trades in Q1 2015

James Barrow 21,179 sh (New)
Paul Tudor Jones 6,400 sh (New)
Ray Dalio 4,222 sh (+27.09%)
Mairs and Power 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
Q2 2015

DLX Guru Trades in Q2 2015

Joel Greenblatt 239,719 sh (+248.36%)
James Barrow 72,381 sh (+241.76%)
Scott Black 158,800 sh (+0.12%)
Mario Gabelli 4,600 sh (unchged)
Ray Dalio Sold Out
Mairs and Power 791,502 sh (-2.21%)
Murray Stahl 14,350 sh (-10.59%)
John Keeley 29,800 sh (-11.63%)
Paul Tudor Jones 5,500 sh (-14.06%)
Jim Simons 288,700 sh (-24.33%)
» More
Q3 2015

DLX Guru Trades in Q3 2015

Jeremy Grantham 3,600 sh (New)
Ray Dalio 22,671 sh (New)
David Dreman 303 sh (New)
Paul Tudor Jones 17,480 sh (+217.82%)
Joel Greenblatt 630,319 sh (+162.94%)
John Keeley 33,930 sh (+13.86%)
James Barrow 72,381 sh (unchged)
Scott Black 156,987 sh (-1.14%)
Mairs and Power 782,092 sh (-1.19%)
Mario Gabelli 4,300 sh (-6.52%)
Murray Stahl 11,950 sh (-16.72%)
Jim Simons 106,800 sh (-63.01%)
» More
Q4 2015

DLX Guru Trades in Q4 2015

James Barrow 73,841 sh (+2.02%)
Mario Gabelli 4,150 sh (-3.49%)
Jim Simons 50,900 sh (-52.34%)
» 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) 12.18
DLX's P/E(ttm) is ranked higher than
76% of the 763 Companies
in the Global Business Services industry.

( Industry Median: 20.22 vs. DLX: 12.18 )
Ranked among companies with meaningful P/E(ttm) only.
DLX' s P/E(ttm) Range Over the Past 10 Years
Min: 3.76  Med: 9.82 Max: 19.62
Current: 12.18
3.76
19.62
Forward P/E 11.43
DLX's Forward P/E is ranked higher than
68% of the 468 Companies
in the Global Business Services industry.

( Industry Median: 14.12 vs. DLX: 11.43 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.18
DLX's PE(NRI) is ranked higher than
75% of the 586 Companies
in the Global Business Services industry.

( Industry Median: 21.90 vs. DLX: 12.18 )
Ranked among companies with meaningful PE(NRI) only.
DLX' s PE(NRI) Range Over the Past 10 Years
Min: 3.66  Med: 9.80 Max: 19.8
Current: 12.18
3.66
19.8
P/B 3.45
DLX's P/B is ranked lower than
67% of the 975 Companies
in the Global Business Services industry.

( Industry Median: 2.20 vs. DLX: 3.45 )
Ranked among companies with meaningful P/B only.
DLX' s P/B Range Over the Past 10 Years
Min: 3.11  Med: 4.87 Max: 85.3
Current: 3.45
3.11
85.3
P/S 1.48
DLX's P/S is ranked lower than
57% of the 991 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. DLX: 1.48 )
Ranked among companies with meaningful P/S only.
DLX' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 0.94 Max: 2.05
Current: 1.48
0.23
2.05
PFCF 10.33
DLX's PFCF is ranked higher than
76% of the 595 Companies
in the Global Business Services industry.

( Industry Median: 17.54 vs. DLX: 10.33 )
Ranked among companies with meaningful PFCF only.
DLX' s PFCF Range Over the Past 10 Years
Min: 1.72  Med: 7.55 Max: 14.38
Current: 10.33
1.72
14.38
POCF 8.91
DLX's POCF is ranked higher than
66% of the 728 Companies
in the Global Business Services industry.

( Industry Median: 11.63 vs. DLX: 8.91 )
Ranked among companies with meaningful POCF only.
DLX' s POCF Range Over the Past 10 Years
Min: 1.43  Med: 6.25 Max: 12.24
Current: 8.91
1.43
12.24
EV-to-EBIT 9.31
DLX's EV-to-EBIT is ranked higher than
76% of the 808 Companies
in the Global Business Services industry.

( Industry Median: 14.82 vs. DLX: 9.31 )
Ranked among companies with meaningful EV-to-EBIT only.
DLX' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 8.50 Max: 14.5
Current: 9.31
5.8
14.5
EV-to-EBITDA 7.67
DLX's EV-to-EBITDA is ranked higher than
69% of the 860 Companies
in the Global Business Services industry.

( Industry Median: 10.99 vs. DLX: 7.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
DLX' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.5  Med: 6.20 Max: 9.8
Current: 7.67
4.5
9.8
PEG 1.74
DLX's PEG is ranked higher than
52% of the 237 Companies
in the Global Business Services industry.

( Industry Median: 1.88 vs. DLX: 1.74 )
Ranked among companies with meaningful PEG only.
DLX' s PEG Range Over the Past 10 Years
Min: 0.29  Med: 1.99 Max: 11.85
Current: 1.74
0.29
11.85
Shiller P/E 16.75
DLX's Shiller P/E is ranked higher than
68% of the 213 Companies
in the Global Business Services industry.

( Industry Median: 25.48 vs. DLX: 16.75 )
Ranked among companies with meaningful Shiller P/E only.
DLX' s Shiller P/E Range Over the Past 10 Years
Min: 2.06  Med: 8.50 Max: 22.49
Current: 16.75
2.06
22.49
Current Ratio 0.51
DLX's Current Ratio is ranked lower than
95% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.59 vs. DLX: 0.51 )
Ranked among companies with meaningful Current Ratio only.
DLX' s Current Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.68 Max: 1.44
Current: 0.51
0.2
1.44
Quick Ratio 0.44
DLX's Quick Ratio is ranked lower than
94% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.42 vs. DLX: 0.44 )
Ranked among companies with meaningful Quick Ratio only.
DLX' s Quick Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.60 Max: 1.35
Current: 0.44
0.16
1.35
Days Inventory 18.68
DLX's Days Inventory is ranked higher than
51% of the 420 Companies
in the Global Business Services industry.

( Industry Median: 20.48 vs. DLX: 18.68 )
Ranked among companies with meaningful Days Inventory only.
DLX' s Days Inventory Range Over the Past 10 Years
Min: 15.78  Med: 18.02 Max: 24.96
Current: 18.68
15.78
24.96
Days Sales Outstanding 20.67
DLX's Days Sales Outstanding is ranked higher than
88% of the 553 Companies
in the Global Business Services industry.

( Industry Median: 57.70 vs. DLX: 20.67 )
Ranked among companies with meaningful Days Sales Outstanding only.
DLX' s Days Sales Outstanding Range Over the Past 10 Years
Min: 16.96  Med: 18.64 Max: 24.78
Current: 20.67
16.96
24.78
Days Payable 44.09
DLX's Days Payable is ranked higher than
58% of the 485 Companies
in the Global Business Services industry.

( Industry Median: 36.86 vs. DLX: 44.09 )
Ranked among companies with meaningful Days Payable only.
DLX' s Days Payable Range Over the Past 10 Years
Min: 39.69  Med: 46.61 Max: 52.9
Current: 44.09
39.69
52.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.28
DLX's Dividend Yield is ranked lower than
54% of the 728 Companies
in the Global Business Services industry.

( Industry Median: 1.55 vs. DLX: 2.28 )
Ranked among companies with meaningful Dividend Yield only.
DLX' s Dividend Yield Range Over the Past 10 Years
Min: 1.68  Med: 3.97 Max: 15.46
Current: 2.28
1.68
15.46
Dividend Payout 0.28
DLX's Dividend Payout is ranked higher than
84% of the 460 Companies
in the Global Business Services industry.

( Industry Median: 0.43 vs. DLX: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
DLX' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.44 Max: 9.25
Current: 0.28
0.26
9.25
Dividend Growth (3y) 4.80
DLX's Dividend Growth (3y) is ranked lower than
60% of the 253 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. DLX: 4.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
DLX' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -14.5  Med: 0.00 Max: 4.8
Current: 4.8
-14.5
4.8
Forward Dividend Yield 2.28
DLX's Forward Dividend Yield is ranked lower than
59% of the 642 Companies
in the Global Business Services industry.

( Industry Median: 2.29 vs. DLX: 2.28 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.54
DLX's Yield on cost (5-Year) is ranked lower than
59% of the 740 Companies
in the Global Business Services industry.

( Industry Median: 3.01 vs. DLX: 2.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DLX' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.85  Med: 4.38 Max: 17.07
Current: 2.54
1.85
17.07
3-Year Average Share Buyback Ratio 0.80
DLX's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 437 Companies
in the Global Business Services industry.

( Industry Median: -1.40 vs. DLX: 0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
DLX' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.9  Med: 1.60 Max: 9.9
Current: 0.8
-0.9
9.9

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.92
DLX's Price/Projected FCF is ranked higher than
66% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 1.30 vs. DLX: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
DLX' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.77 Max: 1.64
Current: 0.92
0.25
1.64
Price/Median PS Value 1.59
DLX's Price/Median PS Value is ranked lower than
79% of the 827 Companies
in the Global Business Services industry.

( Industry Median: 1.00 vs. DLX: 1.59 )
Ranked among companies with meaningful Price/Median PS Value only.
DLX' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.24 Max: 2.57
Current: 1.59
0.37
2.57
Earnings Yield (Greenblatt) (%) 10.72
DLX's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 718 Companies
in the Global Business Services industry.

( Industry Median: 5.40 vs. DLX: 10.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DLX' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.9  Med: 11.80 Max: 17.2
Current: 10.72
6.9
17.2
Forward Rate of Return (Yacktman) (%) 12.89
DLX's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 369 Companies
in the Global Business Services industry.

( Industry Median: 11.02 vs. DLX: 12.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
DLX' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.2  Med: 13.30 Max: 44.3
Current: 12.89
-2.2
44.3

More Statistics

Revenue(Mil) $1773
EPS $ 4.35
Beta1.27
Short Percentage of Float11.94%
52-Week Range $49.46 - 69.77
Shares Outstanding(Mil)49.22

Latest Earnings Webcast

» More Conference Calls

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 
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 
DEBT IN BUSINESS ANALYSIS Sep 04 2009 

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