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DELUXE CORP

DLX

$27.75 ▲ +4.30 (+18.37%) at close

19 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

DELUXE CORP shows mixed fundamentals. Consider comparing against peers in the Industrials sector before making investment decisions.

Market Cap $1.2B

Dividend Yield 4.32%

Revenue Growth 0.5% ↗

Op. Margin 10.9% ↗

ROIC 11.4% ↗

FCF / Share $3.91 ↗

Trailing P/E 15.2x

Price / Book —

FCF Yield 14.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.13B

↑ +0.5% —

Net Income Profit after all expenses

$82.10M

↑ +55.5% —

Operating Margin Operating profit as % of sales

10.9%

↑ +20.3% 58th

FCF / Share Free cash flow per share

$3.91

↑ +72.6% —

Long-Term Debt Long-term obligations

$1.41B

↓ -3.6% —

Health Breakdown

Profitability ↑

Financial Health ↓

Cash Quality ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.20 Latest / share

+0.0% YoY

+0.4% 12-yr CAGR

$1.15

FY 2014

$1.20

FY 2015

$1.20

FY 2016

$1.20

FY 2017

$1.20

FY 2018

$1.20

FY 2019

$1.20

FY 2020

$1.20

FY 2021

$1.20

FY 2022

$1.20

FY 2023

$1.20

FY 2024

$1.20

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	-3.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-164%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	10.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+113%)	12.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+158%)	-10.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-317%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	6.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+26%)	4.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	5.9% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	5.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	4.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	1.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	4.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	-8.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-269%)	—	—
EPS Growth YoY (%)	52.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-60.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	1133.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-33.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	6.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	10.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	18.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	53.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-1.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	55.5% Excellent ↑ Excellent Improving Year-over-year change in net income	102.1% Excellent ↓ Excellent Declining Year-over-year change in net income	-60.1% Weak ↓ Weak Declining Year-over-year change in net income	4.4% Caution Caution Year-over-year change in net income	1094.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	-35.0% Weak ↓ Weak Declining Year-over-year change in net income	0.3% Caution ↓ Caution Declining Year-over-year change in net income	4.9% Caution ↓ Caution Declining Year-over-year change in net income	9.4% Fair ↓ Fair Declining Year-over-year change in net income	7.0% Fair → Fair Stable Year-over-year change in net income	9.5% Fair ↓ Fair Declining Year-over-year change in net income	17.9% Good ↑ Good Improving Year-over-year change in net income	-5.3% Weak ↓ Weak Declining Year-over-year change in net income	53.6% Excellent Excellent Year-over-year change in net income	-2.2% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	72.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-50.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	2.3% Caution ↑ Caution Improving Year-over-year change in free cash flow	-10.5% Weak ↑ Weak Improving Year-over-year change in free cash flow	-4.1% Weak ↑ Weak Improving Year-over-year change in free cash flow	-22.1% Weak Weak Year-over-year change in free cash flow	-8.0% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.5% Fair → Fair Stable Compound annual revenue growth over 3 years	5.3% Fair → Fair Stable Compound annual revenue growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.1% Caution Caution Compound annual revenue growth over 3 years	-1.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair Fair Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	6.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-6.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	71.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	-22.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-70.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-10.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	12.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	19.7% Excellent Excellent Compound annual EPS growth over 3 years	12.7% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	10.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	9.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	7.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	7.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	7.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	-7.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-166%)	11.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.7% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	19.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	20.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	19.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	20.1% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	19.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	19.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	20.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	14.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	14.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	—
Effective Tax Rate (%) (%)	31.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	80.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.3% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.8% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.0% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	3.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	2.5% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	1.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	3.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	0.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	-10.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)	7.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	11.7% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	12.4% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	12.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	11.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	11.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	10.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	7.4% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	6.9% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	—
FCF Margin (%) (%)	8.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.0% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.6% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	10.4% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.1% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	14.3% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	17.0% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—
FCF / Net Income (x)	2.14x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.89x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	7.59x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.93x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	3.37x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	41.49x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-1.43x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.27x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	—	—	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%)	11.4% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	9.1% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	7.0% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	8.4% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	5.9% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	1.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-19.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	17.8% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	14.1% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	28.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	31.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	34.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	38.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	47.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	59.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	80.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	128.5% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	311.5% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	8.1% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	6.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-8.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	10.0% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	14.9% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	16.9% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	19.2% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	19.7% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	20.3% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	21.4% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	19.5% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	21.5% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	15.7% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	—	—	—	—	—	—	—	16.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	22.7% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+51%)	26.0% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+74%)	29.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+96%)	30.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+106%)	33.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+126%)	39.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+163%)	47.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+218%)	67.5% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+350%)	84.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+465%)	191.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1177%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	0.70x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—
Interest Coverage (x)	1.90x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.56x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	1.28x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.79x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	2.56x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.76x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	-4.56x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	8.53x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	15.41x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	16.53x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	17.46x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.11x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	8.30x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.45x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.67x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.37x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.12x Fair Fair Operating income divided by interest expense Optimal: > 5x	4.15x Fair Fair Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$1.38B	$1.43B	$1.43B	$1.53B	$1.58B	$716.88M	$809.88M	$-59.74M	$648.15M	$-76.57M	$-62.43M	$98.46M	$-121.09M	$-45.44M	$-28.69M	$-17.38M	$-12.79M	$-15.59M	$-21.61M
Debt / EBITDA (x)	3.82x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.10x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.56x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.60x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.59x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.54x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-27.52x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	1.57x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	0.00x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.40x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$47.62	$48.11	$50.34	$52.02	$47.72	$42.71	$46.68	$42.65	$40.84	$38.08	$35.85	$33.60	$31.35	$29.84	$27.78	$27.43	—	—	—
Basic EPS, GAAP (USD)	$1.83	$1.20	$0.60	$1.52	$1.48	$0.12	$-4.65	$3.18	$4.75	$4.68	$4.39	$3.99	$3.68	$3.33	$2.82	$2.97	$1.94	$1.97	—
Free Cash Flow per Share (USD)	$3.91	$2.27	$4.55	$4.45	$4.97	$5.19	$6.66	$7.24	—	—	—	—	—	—	—	—	—	—	—
Dividend per Share (USD)	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.20	$1.15	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	—
Book Value per Share (USD)	—	—	—	—	—	—	—	$20.50	$21.17	$18.15	$15.20	$13.02	$10.93	$8.55	$5.96	$4.41	—	—	—
Tangible Book Value per Share (USD)	—	—	—	—	—	—	—	$-13.55	$-10.43	$-13.08	$-10.54	$-8.61	$-8.46	$-10.03	$-12.43	$-12.76	—	—	—
Basic Weighted Avg Shares (shares)	44.80M	44.10M	43.55M	43.02M	42.38M	41.93M	43.03M	46.84M	48.13M	48.56M	49.45M	49.83M	50.55M	50.77M	51.04M	51.12M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD)	$22.60M	$-13.90M	$-58.08M	$-48.31M	$-62.88M	$94.81M	$64.26M	$58.00M	$-32.80M	$-17.45M	$6.94M	$-148.36M	$-170.76M	$-367.00K	$-107.79M	$-40.27M	$-83.55M	—	—
LT Debt (USD)	$1.41B	$1.47B	$1.51B	$1.57B	$1.63B	$840.00M	$883.50M	—	$707.39M	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	—	—	—	—	—	—	—	$915.41M	$1.02B	$880.97M	$745.07M	$647.50M	$550.46M	$432.94M	$302.69M	$226.20M	$117.21M	$53.07M	$41.11M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$2.13B	$2.12B	$2.19B	$2.24B	$2.02B	$1.79B	$2.01B	$2.00B	$1.97B	$1.85B	$1.77B	$1.67B	$1.58B	$1.51B	$1.42B	$1.40B	$1.34B	$1.47B	—
Depreciation Expense (USD)	$137.90M	$165.50M	$169.70M	$172.55M	$148.77M	$110.79M	$126.04M	$131.10M	$122.65M	$91.58M	$76.70M	$65.84M	$64.47M	$65.65M	$73.34M	$73.92M	$22.46M	$21.88M	—
Net Income, GAAP (USD)	$82.10M	$52.80M	$26.12M	$65.39M	$62.63M	$5.24M	$-199.90M	$149.63M	$230.16M	$229.38M	$218.63M	$199.79M	$186.65M	$170.49M	$144.59M	$152.62M	$99.36M	$101.63M	—
Operating Cash Flow (USD)	$270.60M	$194.30M	$198.37M	$191.53M	$210.82M	$217.55M	$286.65M	$339.31M	—	—	—	—	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 72 quarters

DELUXE CORP

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