DELUXE CORP (DLX)
Industrials · Payment processing and financial services software · NYSE
A legacy check-printing leader successfully transforming into a diversified provider of payments, treasury management, and data-driven marketing solutions for SMBs and financial institutions.
What DELUXE CORP does
Deluxe Corporation is a Payments and Data company serving small and medium-sized businesses, financial institutions, and large consumer brands across North America. The company operates four business segments: Merchant Services (in-store, online, and mobile payment solutions), B2B Payments (treasury management, receivables automation, payment acceptance), Data Solutions (data analytics, marketing services, and financial reporting), and Print (checks, business forms, promotional products). The company has transformed from a traditional check printing business into a diversified provider of payment processing and data-driven marketing solutions, while leveraging its established print business to fund growth investments.
Themes: Payment processing / merchant services, B2B payments and treasury management, Receivables automation and cash application, Data-driven marketing and analytics, Small and medium business (SMB) solutions, Check printing and business supplies, Digital payment platforms
Fundamentals
- Price$23.61 as of 2026-08-21 close
- Market cap$1.1B as of 2026-08-21
- 1-year return+24.1% 2025-08-21 close $19.03 → 2026-08-21 close $23.61
- P/E10.53 as of 2026-08-24
- Net margin+4.9% as of 2026-08-24
- Gross margin+52.9% as of 2026-08-24
- ROE+15.5% as of 2026-08-24
- Debt / equity2.01 as of 2026-08-24
- Revenue growth (YoY)+0.5% as of 2026-08-24
- Revenue CAGR (3y)-1.6% SEC XBRL
- Beta1.25 as of 2026-08-24
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +6.6%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How DLX compares in its sector
- price-to-earnings ratiobottom 10% 357 covered Industrials peers, as of 2026-08-24
- net profit marginmiddle range 457 covered Industrials peers, as of 2026-08-24
- operating marginmiddle range 457 covered Industrials peers, as of 2026-08-24
- gross margintop 25% 455 covered Industrials peers, as of 2026-08-24
- return on equitymiddle range 460 covered Industrials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 25% 426 covered Industrials peers
- indicated dividend yieldtop 10% 267 covered Industrials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 414 covered Industrials peers, as of FY2025
Position among covered Industrials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, DLX's dividend was covered by reported results (earnings payout 67%, free-cash-flow payout 31%). This describes past coverage, not a forecast.
- Earnings payout67% dividends / net income
- Free-cash-flow payout31% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How DELUXE CORP looks technically
DELUXE CORP (DLX) is trading 4.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 7 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 4 trading days ago. It is 26.4% below its highest point of the past year. Trading volume is running unusually high — about 2.5× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 4.9% below its 200-day average, the long-term trend line — a long-term downtrend | -4.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $24.68 | $24.68 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $24.82 | $24.82 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 27.895. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 7 trading days ago — a "death cross", a bearish long-term signal | 7 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend | 19.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.3 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($23.32 to $27.89) — its "stochastic" reading is 6 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 6.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $32.07 | $32.07 |
|---|---|---|
| From the 52-week high | it is 26.4% below its 52-week high (its highest price of the past year) | -26.4% |
| Above the 52-week low | it is 32.9% above its 52-week low (its lowest price of the past year) | +32.9% |
| Below the 52-week high | it is 26.4% below its highest point of the past year | 26.4% |
| Since a 20-day breakout | it made a new 20-day low about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day low about 44 trading days ago | 44 sessions |
| All-time high | its highest closing price on record is $78.87 (set on 2018-01-16) | $78.87 |
| Given back of the 52-week move | over the past year its closes ranged ($17.92 to $31.90), and it has given back a bit over half of its rise from last year’s low — 59% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.81 to $23.26. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 59.3% |
| From the all-time high | it is 70.1% below its all-time high | -70.1% |
| Nearest price level | it is trading 0.6% below a resistance level at $23.74 — a price it turned at four times since 2024-11-27, most recently on 2026-07-09. Since 2024-08-21 it has 11 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.6% |
| All-time low | its lowest closing price on record is $6.20 (set on 2009-03-09) | $6.20 |
| Above the all-time low | it is 280.8% above its all-time low | +280.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 87% of the past ~6 months) | 87th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8071 between its high and its low — about 3.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8071 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $22.42 and $27.93 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $22.42 – $25.18 – $27.93 |
| Typical daily range (% of price) | its price moves about 3.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.4% |
| Stretch from the 200-day average | it is trading 1.5 daily ranges below its 200-day average price (4.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.5 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.5× its 30-day average, a sign of heightened interest | 2.52× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | +0.0% |
|---|---|---|
| Gap filled | a 2.7% gap down opened on 2026-06-16 has been "filled" 45 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 45 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 11.0 percentage points (the stock lost 8.6% while the market gained 2.3%) | -11.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.0 percentage points (the stock gained 0.1% while the market gained 3.1%) | -3.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 24.4 percentage points (the stock lost 13.3% while the market gained 11.1%) | -24.4% |
| vs market, 12 months | over the past 12 months this stock beat the market by 3.6 percentage points (the stock gained 24.1% while the market gained 20.5%) | +3.6% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 9.4% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -4.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $25.75 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -8.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is under water. That average is $24.41 — a volume-weighted average of daily closes over 13 sessions, not a true tick-by-tick VWAP. | -3.3% |
Price levels it has turned at before
DLX last closed at $23.61 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $23.74 | Resistance | 0.6% above the last close | turned there four times · 2024-11-27 to 2026-07-09 |
| $23.11 | Support | 2.1% below the last close | turned there three times · 2024-12-02 to 2025-12-30 |
| $24.44 | Resistance | 3.5% above the last close | turned there four times · 2024-11-13 to 2026-06-18 |
| $22.36 | Support | 5.3% below the last close | turned there four times · 2024-11-20 to 2026-06-03 |
| $25.23 | Resistance | 6.9% above the last close | turned there three times · 2026-02-12 to 2026-07-23 |
| $21.81 | Support | 7.6% below the last close | turned there five times · 2024-12-18 to 2026-06-22 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $27.89.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent death cross (50-day crossed below 200-day) · Pulled back from the 12-month high · Unusually heavy trading volume · trendless / choppy (low ADX) · lagging the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$32.67 range $31.00 – $35.00; median $32.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for DLX
- Consensus EPS estimate$0.95 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Shift from traditional print business as digital adoption continues to reduce check usage and demand for printed products","Significant debt load ($1.38 billion long-term debt as of Q1 2026) and reliance on cash flow generation for deleveraging","Competitive pressure in payments and merchant services from established players and fintech disruptors offering alternative payment solutions"]
What changed in the latest 10-Q
AI-assisted comparison of DLX's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-07) references 2025 Form 10-K; older filing (2025-11-06) references 2024 Form 10-K
- Newer filing adds specific Q1 2026 strategic achievements: divestiture of Safeguard small business distributor channel in March 2026 generating $22.8 million net proceeds
- Newer filing adds Q1 2026 financial metrics: payments and data businesses delivered 12.5% year-over-year revenue growth and 22.8% adjusted EBITDA increase
- Newer filing adds SG&A expense reduction of 7.1% year-over-year in Q1 2026
- Newer filing adds net cash from operating activities increase of $2.4 million year-over-year in Q1 2026
- Newer filing adds total debt reduction of $32.3 million compared to year-end 2025
- Newer filing provides Q1 2026 vs Q1 2025 comparisons: consolidated revenue increased $1.6 million to $538.1 million
- Newer filing reports $5.1 million gain from sale of Safeguard distributor channel in Q1 2026
- Newer filing reports interest expense decreased $3.6 million year-over-year in Q1 2026
- Newer filing reports adjusted EBITDA margin increased to 21.9% for Q1 2026 vs 18.7% for Q1 2025
- Removed:
- Older filing references CheckMatch electronic check conveyance service business acquisition on August 6, 2025 for $25 million; not mentioned in newer filing
- Older filing discusses North Star program launched in 2023 with four objectives; not mentioned in newer filing
- Older filing discusses third quarter 2025 and first nine months 2025 comparative results; newer filing focuses on Q1 2026
- Older filing reports free cash flow increased $32 million in first nine months 2025; not in newer filing
- Older filing reports net debt reduced by $45 million from prior year-end; newer filing reports different debt metrics
- Reworded:
- Newer filing describes company mission as 'empower businesses to build stronger customer relationships'; older filing uses 'help businesses strengthen their customer relationships'
- Newer filing calls strategy section 'Our Strategy' with reference to 2025 Form 10-K Part I Item 1; older filing references 2024 Form 10-K with more detailed North Star program discussion
- Newer filing describes critical accounting estimates as 'accounting policies and estimates that require management to make complex judgments and assumptions'; older filing describes as 'estimates that involve a significant level of judgment and uncertainty'
- Newer filing uses phrase 'we also present certain non-GAAP financial measures'; older filing uses 'Additionally, we discuss non-GAAP financial measures'
- Newer filing states non-GAAP measures 'should not be considered substitutes'; older filing states 'should be considered in addition to, and not as superior to or as a substitute for'
- Newer filing forward-looking statements section lists terms using 'such as' format; older filing uses 'When we use terms such as' with expanded list including 'are expected to,' 'targeted,' 'will continue'
- Notes:
- Newer filing text appears truncated at end ('A reconciliation of net inco'); complete comparison of final section not possible
- Comparison is between Q1 2026 results (2026-05-07 filing) and Q3/9M 2025 results (2025-11-06 filing), representing different fiscal periods and business contexts
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for DLX — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding DLX as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 9,662,400
- Reported value $266,102,495
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
DLX had 3,620,449 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
DLX had 7.90% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.49 days to cover at the same settlement.
- Reported short interest (shares) 3,620,449
- Short interest (% of shares outstanding) 7.90%
- Prior settlement (shares) 3,656,179
- Reported change -0.98%
- Days to cover (reported) 10.49
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- FIS (Fidelity National Information Services)
- Fiserv
- Square (Block)
- Stripe
- Intuit
- ACI Worldwide
- EVO Payments
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare DLX vs…
Frequently asked questions
What does DELUXE CORP (DLX) do?
Deluxe Corporation is a Payments and Data company serving small and medium-sized businesses, financial institutions, and large consumer brands across North America. The company operates four business segments: Merchant Services (in-store, online, and mobile payment solutions), B2B Payments (treasury management, receivables automation, payment acceptance), Data Solutions (data analytics, marketing services, and financial reporting), and Print (checks, business forms, promotional products).
What sector is DELUXE CORP (DLX) in?
DELUXE CORP (DLX) is classified in the Industrials sector. Its industry is Payment processing and financial services software. It trades on NYSE.
Does DLX pay a dividend?
Yes — DELUXE CORP (DLX) pays a dividend, with an indicated yield of about 6.64% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are DELUXE CORP's (DLX) competitors?
Notable peers of DELUXE CORP (DLX) include FIS (Fidelity National Information Services), Fiserv, Square (Block), Stripe and Intuit. This peer set is informational only — not financial advice.
Is DELUXE CORP (DLX) overbought or oversold right now?
DELUXE CORP (DLX) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on DLX come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.