WinstonWınston
Back
Deluxe Corporation logo

Deluxe Corporation

DLX
57
Advertising Agencies · Communication Services
Winston Score
57
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Quality
Good
Growth
Good
Cash Flow
Strong
Stability
Mixed
Valuation
Strong
Dividends
Good

Winston Score History

The full picture

Deluxe Corporation is a business services company that helps small businesses and financial institutions run their operations. Its core products include printed checks, marketing services, website tools, and payment processing technology. Most customers are banks, credit unions, and small businesses across the United States, and Deluxe is one of the largest check printers in the country.

Deluxe makes money by selling these products and services directly to businesses, earning revenue through product sales, software subscriptions, and service fees. The company operates almost entirely in the United States and generates roughly $2 billion in annual revenue. Its long-standing relationships with banks give it a stable customer base, but the slow and steady decline in check usage is a real long-term risk, which is why Deluxe has been investing in digital payments and data-driven marketing services to offset that pressure.

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on DLX in the last 12 months.

Unlock the full Smart Money Map — every trade plotted on the price chart with politicians, amounts and returns since each trade. Founder's Deal is $57/mo locked for life.

Unlock politician trades

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-18.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

3.3%ownership

Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$43M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Deluxe Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
52.0%
Healthy — 52.0% gross margin
Profit after running costs
Operating Margin
11.2%
Modest — 11.2% operating margin
Return on the money invested
ROCE
12.8%
Good — 12.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth
Sales YoY
+0.3%
Nearly flat sales (+0.3% YoY)
Profit growth
EPS YoY
+50.7%
Earnings growing fast (+50.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash
Cash Conversion
354%
Turns 354% of profit into real cash
Spare cash per sale
FCF Margin
11.2%
Modest free cash flow (11.2%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns
Debt / Equity
1.91
Elevated debt (1.91)
Covers its interest
Interest Cover
2.28x
Tight — interest eats into profit (2.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit
P/E Ratio (TTM)
10.6x
no trend
Attractive valuation — P/E 10.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+3.9
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (10.6 → 6.6)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend
Dividend Yield
4.80%
no trend
Healthy income — 4.80% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial