Is Deluxe Stock a Good Investment?
Deluxe Investment Advice | DLX |
- Examine Deluxe's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Deluxe's leadership team and their track record. Good management can help Deluxe navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Commercial Services & Supplies space and any emerging trends that could impact Deluxe's business and its evolving consumer preferences.
- Compare Deluxe's performance and market position to its competitors. Analyze how Deluxe is positioned in terms of product offerings, innovation, and market share.
- Check if Deluxe pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Deluxe's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Deluxe stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Deluxe is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Below Average | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Deluxe Stock
Researching Deluxe's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 89.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.35. Some equities with similar Price to Book (P/B) outperform the market in the long run. Deluxe has Price/Earnings To Growth (PEG) ratio of 0.47. The entity last dividend was issued on the 18th of February 2025. The firm had 10000:7995 split on the 2nd of January 2001.
To determine if Deluxe is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Deluxe's research are outlined below:
| Deluxe generated a negative expected return over the last 90 days | |
| Deluxe has 1.67 B in debt with debt to equity (D/E) ratio of 2.92, meaning that the company heavily relies on borrowing funds for operations. Deluxe has a current ratio of 0.93, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for Deluxe to invest in growth at high rates of return. | |
| Over 89.0% of Deluxe shares are held by institutions such as insurance companies | |
| Latest headline from cnet.com: Tax Season Is Here. Get Your Hands on HR Blocks Deluxe 2024 Tax Software for Just 30 |
Deluxe Quarterly Accounts Payable |
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Deluxe uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Deluxe. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Deluxe's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 1st of February 2024 Upcoming Quarterly Report | View | |
| 2nd of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 1st of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Deluxe's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Deluxe's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2006-07-27 | 2006-06-30 | -0.09 | -0.06 | 0.03 | 33 | ||
1995-10-23 | 1995-09-30 | 0.4 | 0.36 | -0.04 | 10 | ||
2009-10-22 | 2009-09-30 | 0.54 | 0.6 | 0.06 | 11 | ||
1996-07-22 | 1996-06-30 | 0.4 | 0.46 | 0.06 | 15 | ||
1996-01-24 | 1995-12-31 | 0.49 | 0.55 | 0.06 | 12 | ||
2010-01-28 | 2009-12-31 | 0.62 | 0.7 | 0.08 | 12 | ||
2003-01-30 | 2002-12-31 | 0.76 | 0.84 | 0.08 | 10 | ||
2002-10-17 | 2002-09-30 | 0.75 | 0.83 | 0.08 | 10 |
Deluxe Target Price Consensus
Deluxe target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Deluxe's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 3 | Strong Buy |
Most Deluxe analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Deluxe stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Deluxe, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationDeluxe Target Price Projection
Deluxe's current and average target prices are 18.92 and 30.75, respectively. The current price of Deluxe is the price at which Deluxe is currently trading. On the other hand, Deluxe's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Target Price
Analyst Consensus On Deluxe Target Price
Deluxe Analyst Ratings
Deluxe's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Deluxe stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Deluxe's financials, market performance, and future outlook by experienced professionals. Deluxe's historical ratings below, therefore, can serve as a valuable tool for investors.Know Deluxe's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Deluxe is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Deluxe backward and forwards among themselves. Deluxe's institutional investor refers to the entity that pools money to purchase Deluxe's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Acadian Asset Management Llc | 2024-09-30 | 645.3 K | Bank Of New York Mellon Corp | 2024-12-31 | 637.2 K | Goldman Sachs Group Inc | 2024-09-30 | 631.4 K | Charles Schwab Investment Management Inc | 2024-12-31 | 624.3 K | Prudential Financial Inc | 2024-09-30 | 478.7 K | Northern Trust Corp | 2024-09-30 | 468.7 K | Nuveen Asset Management, Llc | 2024-09-30 | 460.7 K | Bridgeway Capital Management, Llc | 2024-09-30 | 407.4 K | Royal Bank Of Canada | 2024-09-30 | 403.4 K | Blackrock Inc | 2024-09-30 | 7.1 M | Vanguard Group Inc | 2024-09-30 | 5.2 M |
Deluxe's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 837.63 M.Market Cap |
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Deluxe's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.02 | |
| Return On Capital Employed | 0.08 | 0.08 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.05 | 0.05 |
Determining Deluxe's profitability involves analyzing its financial statements and using various financial metrics to determine if Deluxe is a good buy. For example, gross profit margin measures Deluxe's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Deluxe's profitability and make more informed investment decisions.
Deluxe's Earnings Breakdown by Geography
Please note, the imprecision that can be found in Deluxe's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Deluxe. Check Deluxe's Beneish M Score to see the likelihood of Deluxe's management manipulating its earnings.
Evaluate Deluxe's management efficiency
Deluxe has Return on Asset of 0.046 % which means that on every $100 spent on assets, it made $0.046 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0863 %, implying that it generated $0.0863 on every 100 dollars invested. Deluxe's management efficiency ratios could be used to measure how well Deluxe manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to drop to 0.02 in 2025. Return On Capital Employed is likely to drop to 0.08 in 2025. At this time, Deluxe's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to rise to about 2.8 B in 2025, whereas Intangible Assets are likely to drop slightly above 296.5 M in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 12.49 | 13.12 | |
| Tangible Book Value Per Share | (32.15) | (30.55) | |
| Enterprise Value Over EBITDA | 8.59 | 4.66 | |
| Price Book Value Ratio | 1.78 | 1.69 | |
| Price Fair Value | 1.78 | 1.69 | |
| Enterprise Value Multiple | 8.59 | 4.66 | |
| Enterprise Value | 2.3 B | 1.8 B |
The decision-making processes within Deluxe are key to its success in a competitive market. By evaluating these processes, we assess the stock's potential for future gains.
Basic technical analysis of Deluxe Stock
As of the 16th of February 2025, Deluxe shows the Standard Deviation of 2.32, mean deviation of 1.64, and Variance of 5.37. Deluxe technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Deluxe's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Deluxe insiders, such as employees or executives, is commonly permitted as long as it does not rely on Deluxe's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Deluxe insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Deluxe's Outstanding Corporate Bonds
Deluxe issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Deluxe uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Deluxe bonds can be classified according to their maturity, which is the date when Deluxe has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| US248019AU57 Corp BondUS248019AU57 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand Deluxe's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Deluxe's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.08) | |||
| Market Risk Adjusted Performance | (0.28) | |||
| Mean Deviation | 1.64 | |||
| Coefficient Of Variation | (860.23) | |||
| Standard Deviation | 2.32 | |||
| Variance | 5.37 | |||
| Information Ratio | (0.12) | |||
| Jensen Alpha | (0.28) | |||
| Total Risk Alpha | (0.28) | |||
| Treynor Ratio | (0.29) | |||
| Maximum Drawdown | 14.94 | |||
| Value At Risk | (3.55) | |||
| Potential Upside | 2.41 | |||
| Skewness | (1.96) | |||
| Kurtosis | 7.34 |
| Risk Adjusted Performance | (0.08) | |||
| Market Risk Adjusted Performance | (0.28) | |||
| Mean Deviation | 1.64 | |||
| Coefficient Of Variation | (860.23) | |||
| Standard Deviation | 2.32 | |||
| Variance | 5.37 | |||
| Information Ratio | (0.12) | |||
| Jensen Alpha | (0.28) | |||
| Total Risk Alpha | (0.28) | |||
| Treynor Ratio | (0.29) | |||
| Maximum Drawdown | 14.94 | |||
| Value At Risk | (3.55) | |||
| Potential Upside | 2.41 | |||
| Skewness | (1.96) | |||
| Kurtosis | 7.34 |
Consider Deluxe's intraday indicators
Deluxe intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Deluxe stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Deluxe Corporate Filings
8K | 5th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 4th of February 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 23rd of January 2025 Other Reports | ViewVerify | |
F5 | 7th of January 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
Deluxe Stock media impact
Far too much social signal, news, headlines, and media speculation about Deluxe that are available to investors today. That information is available publicly through Deluxe media outlets and privately through word of mouth or via Deluxe internal channels. However, regardless of the origin, that massive amount of Deluxe data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Deluxe news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Deluxe relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Deluxe's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Deluxe alpha.
Deluxe Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Deluxe can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Deluxe Maximum Pain Price Across April 17th 2025 Option Contracts
Deluxe's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of Deluxe close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of Deluxe's options.
Deluxe Corporate Directors
| Donald McGrath | Independent Director | Profile | |
| John Stauch | Independent Director | Profile | |
| Thomas Reddin | Independent Director | Profile | |
| Victoria Treyger | Independent Director | Profile |
Additional Tools for Deluxe Stock Analysis
When running Deluxe's price analysis, check to measure Deluxe's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Deluxe is operating at the current time. Most of Deluxe's value examination focuses on studying past and present price action to predict the probability of Deluxe's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Deluxe's price. Additionally, you may evaluate how the addition of Deluxe to your portfolios can decrease your overall portfolio volatility.