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COMPANY OVERVIEW In 2025, Deluxe Corporation proudly celebrated its 110th anniversary, marking over a century of business excellence. Our enduring success is a testament to our innovation, our ability to adapt to the evolving needs of our customers, and the trust they place in us.
10.89% operating margin is respectable but not wide. ROIC at 8.88%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue growth slowed to 0.5%, essentially flat. This is a business that needs a catalyst.
Net debt of $1.47B represents 8.4x FCF, leverage limits flexibility.
Profitability & Returns
Revenue (TTM)
$2.13B
▲ +0.5% YoY
Net Income (TTM)
$104M
▲ +55.5% YoY
Op. Margin
12.00%
▲ +1.8pp YoY
ROIC
9.87%
▲ +1.4pp YoY
Cash Flow & Balance Sheet
FCF (FY)
$175M
▲ +75.3% YoY
Op. Cash Flow (TTM)
$273M
▲ +39.3% YoY
Net Debt
$1.42B
Cash & Equiv.
$27M
5Y CAGR: +3.6%
5Y CAGR: -9.6%
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