Deluxe Corporation (DLX) Stock Price & Analysis
Deluxe Corporation (DLX) closed at USD 22.92 on Wednesday, October 28, 2026, down 0.30% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 22.99; the Oct 28, 2026 session ranged USD 22.64–23.24 on volume of 349,143 shares. Market capitalization is $1.05B, with a 52-week range of USD 17.76–32.07 (NYQ). Source: Nexqual, retrieved October 29, 2026 at 06:20 UTC.
Also available as compact Markdown for AI agents: nexqual.com/DLX.md
Key facts (DLX)
- Last four reported quarters (through Jun 30, 2026): revenue $2.11B, net income $101M (4.8% margin), free cash flow $209M (SEC filings).
- Valuation: P/E 10.4x (avg 22.5x at the last 3 fiscal year-ends), EV/EBITDA 6.0x, net debt $1.32B.
- Analysts: Buy (mean 2.00 on a 1–5 scale) (3 analysts), mean target USD 32.25 (range 31–35).
- Total return with dividends: 1Y +31.6% vs S&P 500 +13.6%; 5Y -14.9% vs S&P 500 +79.8%.
- Next earnings: 2026-11-04, EPS estimate USD 0.95, revenue estimate $532M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (DLX)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $2.02B | $2.24B | $2.19B | $2.12B | $2.13B | $2.11B |
| Gross profit | $1.14B | $1.21B | $1.16B | $1.13B | $1.13B | — |
| Operating income | $142M | $169M | $161M | $192M | $232M | $251M |
| Net income | $62.6M | $65.4M | $26.1M | $52.8M | $82.1M | $101M |
| EPS (diluted) | $1.45 | $1.50 | $0.59 | $1.18 | $1.80 | — |
| Free cash flow | — | — | $97.7M | $100M | $175M | $209M |
| Gross margin | 56.3% | 53.9% | 53.0% | 53.1% | 53.0% | — |
| Operating margin | 7.0% | 7.6% | 7.3% | 9.1% | 10.9% | 11.9% |
| Net margin | 3.1% | 2.9% | 1.2% | 2.5% | 3.8% | 4.8% |
| Revenue growth | +12.9% | +10.7% | -2.0% | -3.2% | +0.5% | — |
| Cash + short-term investments | $41.2M | $40.4M | $72.0M | $34.4M | $36.9M | — |
| Total debt | $1.68B | $1.64B | $1.59B | $1.50B | $1.43B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (DLX)
P/E 10.4x · P/S 0.5x · EV/EBITDA 6.0x · EV/Sales 1.1x · P/FCF 5.0x · P/B 1.5x · FCF yield 19.89% · Earnings yield 9.57% · Dividend yield (paid, TTM) 5.36% · Net debt $1.32B · EV $2.37B
P/E at fiscal year-ends: Dec 2025 12.4x, Dec 2024 19.1x, Dec 2023 36.0x.
Analysts (DLX)
Consensus Buy (mean 2.00 on a 1–5 scale), 3 analysts; mean target USD 32.25 (low 31, high 35).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-29 | Barrington Research | Initiated | Outperform | $31 |
Total return (dividends reinvested) (DLX)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +31.6% | -14.9% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +31.8% | -3.2% |
| Volatility (annualized) | 39.6% | 39.1% |
| Max drawdown | -29.4% (May 2026→Jun 2026) | -58.9% (Nov 2021→May 2023) |
DLX earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $0.87 | $0.81 | Beat +7.4% | — |
| — | Quarter ended Mar 31, 2026 | $1.05 | $0.91 | Beat +15.4% | — |
| — | Quarter ended Dec 31, 2025 | $0.96 | $0.83 | Beat +15.7% | — |
| — | Quarter ended Sep 30, 2025 | $1.09 | $0.90 | Beat +21.1% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
DLX recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Oct 16, 2026 | 8-K/A | Current report |
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 5, 2026 | 8-K | Quarterly results |
| Jul 31, 2026 | 8-K | Entered a material agreement; Completed an acquisition or sale of assets; New debt or off-balance-sheet obligation; Regulation FD disclosure “On July 31, 2026, Deluxe Corporation (the "Company") and certain subsidiaries of the Company party thereto, as guarantors, entered into a Refinancing Facility Agreement No. 2 effecting a Second Amended and Restated Credit Agreement (the "Credit Agreement") with certain financial institutions party thereto, as lenders, and JPMorgan Chase Bank, N.A., as administrative agent, amending the Company's existing credit agreement. The Credit Agreement provides for (i) a senior secured first lien revolving credit facility…” |
| Jul 31, 2026 | Schedule 13G | Vanguard Capital Management: 5.0% of shares, passive 5%+ holder |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
DLX suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Visa (V) | “Our ability to generate revenue from services provided to merchants that accept Visa and Mastercard is contingent upon maintaining ongoing registrations with these card networks, securing sponsorship from financial institutions, and, in some cases, holding direct membership in specific networks.” |
| Customer | Mastercard (MA) | “Our ability to generate revenue from services provided to merchants that accept Visa and Mastercard is contingent upon maintaining ongoing registrations with these card networks, securing sponsorship from financial institutions, and, in some cases, holding direct membership in specific networks.” |
Quoted from the company's 10-K filed Feb 13, 2026.
DLX analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.95 | $0.99 | -3.7% | $532.2M | 3 |
| Next quarter (ends Dec 2026) | $0.91 | $0.92 | -1.4% | $531.6M | 3 |
| Current fiscal year (ends Dec 2026) | $3.78 | $3.77 | +0.2% | $2.10B | 4 |
| Next fiscal year (ends Dec 2027) | $4.08 | $4.11 | -0.9% | $2.21B | 4 |
Key Statistics (as of October 29, 2026 at 06:20 UTC)
| Price | USD 22.92 |
|---|---|
| Change | ▼ 0.30% (down) |
| Previous Close | USD 22.99 |
| Open | USD 23.21 |
| Day Range | USD 22.64 – 23.24 |
| 52-Week Range | USD 17.76 – 32.07 |
| Volume | 349,143 shares |
| Market Cap | $1.05B |
| Exchange | NYQ |
Technical Analysis (DLX)
Nexqual's technical model rates DLX "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 29, 2026 at 06:20 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 46.85 (neutral) |
| vs SMA50 | Below (USD 23.41) |
| MACD | -0.1 (negative) |
Analyst Ratings (DLX)
Wall Street analysts rate DLX "Buy" based on 3 analysts, with a mean price target of USD 32.25 (range USD 31–35), per Nexqual as of October 29, 2026 at 06:20 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 32.25 |
| High Target | USD 35 |
| Low Target | USD 31 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (DLX)
| Next Earnings Date | 2026-11-04 |
|---|---|
| EPS Estimate | USD 0.95 |
| Revenue Estimate | $532.23M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.87 vs est 0.81 ▲ beat |
| 2026-03-31 | USD 1.05 vs est 0.91 ▲ beat |
| 2025-12-31 | USD 0.96 vs est 0.83 ▲ beat |
| 2025-09-30 | USD 1.09 vs est 0.9 ▲ beat |
Source: Nexqual, October 29, 2026 at 06:20 UTC.
Financials & Fundamentals (DLX)
| Total Revenue | $2.11B |
|---|---|
| Revenue Growth (latest quarter, YoY) | -4.20% |
| Gross Margin | +52.54% |
| Operating Margin | +12.18% |
| Profit Margin | +4.76% |
| ROE | +14.96% |
| Debt / Equity | 2.1 |
| Current Ratio | 1.2 |
| Total Cash | $34.90M |
| Total Debt | $1.49B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $209.10M (9.9% of revenue) |
Source: Nexqual, October 29, 2026 at 06:20 UTC.
Financial Health Score (DLX)
Nexqual rates Deluxe Corporation's overall financial health "Mixed" across five dimensions, as of October 29, 2026 at 06:20 UTC.
| Growth | Mixed — Revenue +0.5% YoY (annual), slow |
|---|---|
| Profitability | Strong — Gross margin 53%, operating 12% (last 4 quarters to Jun 2026, SEC) |
| Balance Sheet | Weak — $35M cash and investments vs $1.35B debt (Jun 2026, SEC) |
| Cash Flow | Solid — FCF $209M (last 4 quarters to Jun 2026, SEC), 10% margin |
| Efficiency | Mixed — ROE 14%, ROA 3.9% (last 4 quarters, SEC) |
Ownership (DLX)
| Insider Ownership | +2.97% |
|---|---|
| Institutional Ownership | +93.75% |
| Shares Outstanding | 45.86M |
| Float | 44.39M |
| Short % of Float | +12.04% |
Source: Nexqual, October 29, 2026 at 06:20 UTC.
Leadership (DLX)
Deluxe Corporation is led by Barry C. McCarthy, President, CEO & Director, per Nexqual as of October 29, 2026 at 06:20 UTC.
| President, CEO & Director | Barry C. McCarthy |
|---|---|
| Senior VP & CFO | William C. Zint |
| Senior VP and Chief Technology & Digital Officer | Yogaraj Jayaprakasam |
| Senior VP & President of Print | Tracey G. Engelhardt |
| Senior VP & President of B2B Payments | Garry L. Capers |
Major Backers & Investors (DLX)
Notable institutional backers of Deluxe Corporation include LSV Asset Management, Deprince, Race & Zollo, Inc., Goldman Sachs, according to Nexqual as of October 29, 2026 at 06:20 UTC.
Active Investors
| Investor | Stake |
|---|---|
| LSV Asset Management | 4.48% |
| Deprince, Race & Zollo, Inc. | 4.06% |
| Goldman Sachs | 1.99% |
| Charles Schwab Investment Management, Inc. | 1.87% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 1.35% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 15.2% |
| Vanguard Group | 10.02% |
| State Street | 6.24% |
| Dimensional Fund Advisors | 6.21% |
| Geode Capital | 2.98% |
Source: Nexqual, October 29, 2026 at 06:20 UTC.
From Deluxe Corporation's Latest SEC 10-K Filing (filed 2026-02-13)
Key Strengths & Strategy (as disclosed to the SEC)
- We also rely on third parties to furnish a portion of the data required to maintain both our proprietary and non-proprietary databases, which include credit and non-credit information provided by national credit bureaus and other data providers.
- With our infrastructure modernization largely complete and non-strategic businesses divested, our attention is on growth investments that drive scale and accelerate profit growth ahead of revenue.
- Our strategic focus involves continually improving our integrated receivables and exception management tools, making item processing more efficient, and advancing automation in accounts receivable and payable.
- Through ongoing innovation and investment in our platform, our goal is to help businesses succeed in a fast-changing financial landscape.
Legal & Regulatory Risks (Item 1A, quoted)
- Governmental regulation is continuously evolving and could adversely affect our business.
- Litigation and third-party claims can lead to expensive and distracting litigation, operational disruptions, and adverse financial impacts.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 06:20 UTC. This page is informational and not investment advice.
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