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Market Price

21.86 

-0.35 -1.6%

as of Oct 29 '20

52 Week Range:

18.90 53.26


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Deluxe Corporation provides printed business forms, checks, marketing solutions, accessories, and other products and services for small businesses and financial institutions. It operates through three segments: Small Business Services, Financial Services, and Direct Checks. The company provides marketing materials and promotional solutions, such as postcards, brochures, retail packaging supplies, apparel, greeting cards, and business cards; and treasury management solutions, including remittance and lockbox processing, remote deposit capture, receivables management, payment processing, and paperless treasury management, as well as software, hardware and digital imaging solutions. It also offers Web services comprising web hosting and domain name, logo and web design, payroll, email marketing, search engine marketing and optimization, and business incorporation and organization services; strategic targeting, lead optimization, retention, and cross-selling services; and fraud protection and security services, electronic checks and deposits, and digital engagement solutions, including loyalty and rewards programs and financial management tools. In addition, the company provides checks; printed business forms, such as deposit tickets, billing forms, work orders, job proposals, purchase orders, invoices, and personnel forms, as well as computer forms; and customized products comprising envelopes, office supplies, ink stamps, labels, check registers, and checkbook covers. It operates in the United States, Canada, Australia, South America, and Europe. The company was formerly known as Deluxe Check Printers, Incorporated and changed its name to Deluxe Corporation in 1988. Deluxe Corporation was founded in 1915 and is headquartered in Shoreview, Minnesota.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 2.29
4.41
5.58
8.55
10.34
12.15
14.69
17.51
19.82
21.40
12.48
growth rate 92.6% 26.5% 53.2% 20.9% 17.5% 20.9% 19.2% 13.2% 8.0% -41.7%
Earnings BIT 155.02
235.95
216.08
250.75
281.06
350.82
362.96
380.27
393.31
371.71
315.45
growth rate 52.2% -8.4% 16.0% 12.1% 24.8% 3.5% 4.8% 3.4% -5.5% -15.1%
Avg.PE 7.62
7.75
8.13
9.71
14.27
16.82
13.17
15.98
15.04
14.33
21.89
growth rate 1.7% 4.9% 19.4% 47.0% 17.9% -21.7% 21.3% -5.9% -4.7% 52.8%
ROA 8.18
12.11
10.72
12.09
12.46
12.20
12.29
11.29
10.41
6.60
-9.42
growth rate 48.0% -11.5% 12.8% 3.1% -2.1% 0.7% -8.1% -7.8% -36.6% -100.0%
ROE 116.71
88.89
54.68
46.04
37.79
33.18
31.19
27.98
24.12
15.44
-26.91
growth rate -23.8% -38.5% -15.8% -17.9% -12.2% -6.0% -10.3% -13.8% -36.0% -100.0%
ROIC 14.40
19.42
17.43
19.68
16.68
18.66
17.90
16.08
14.53
9.47
-10.50
growth rate 34.9% -10.3% 12.9% -15.2% 11.9% -4.1% -10.2% -9.6% -34.8% -100.0%
Cur. Ratio 0.66
0.81
0.64
1.00
0.65
0.68
0.43
0.95
0.92
1.15
1.16
growth rate 22.7% -21.0% 56.3% -35.0% 4.6% -36.8% 120.9% -3.2% 25.0% 0.9%
Quick Ratio 0.32
0.40
0.33
0.53
0.43
0.38
0.25
0.55
0.49
0.67
0.66
growth rate 25.0% -17.5% 60.6% -18.9% -11.6% -34.2% 120.0% -10.9% 36.7% -1.5%
Leverage 10.33
5.79
4.59
3.26
2.85
2.61
2.48
2.48
2.18
2.52
3.40
growth rate -44.0% -20.7% -29.0% -12.6% -8.4% -5.0% 0.0% -12.1% 15.6% 34.9%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 65.60
66.50
76.24
78.07
95.00
122.06
131.13
159.38
166.22
204.32
196.21
growth rate 1.4% 14.7% 2.4% 21.7% 28.5% 7.4% 21.6% 4.3% 22.9% -4.0%
Acct.Payable 214.79
220.11
234.48
87.22
87.58
106.79
104.48
106.98
112.20
growth rate 2.5% 6.5% -62.8% 0.4% 21.9% -2.2% 2.4% 4.9%
Cur.Assets 159.50
171.20
192.58
219.74
319.31
318.89
323.99
398.23
392.97
450.05
472.21
growth rate 7.3% 12.5% 14.1% 45.3% -0.1% 1.6% 22.9% -1.3% 14.5% 4.9%
Total Assets 1,211.20
1,308.70
1,388.81
1,412.44
1,569.53
1,688.39
1,842.15
2,184.34
2,208.83
2,305.10
1,943.31
growth rate 8.1% 6.1% 1.7% 11.1% 7.6% 9.1% 18.6% 1.1% 4.4% -15.7%
Cash 12.80
17.40
73.08
88.58
163.51
61.54
62.43
76.57
59.24
59.74
73.62
growth rate 35.9% 320.0% 21.2% 84.6% -62.4% 1.4% 22.7% -22.6% 0.8% 23.2%
Inventory 22.10
21.70
22.04
23.29
28.97
39.41
41.96
40.18
42.25
46.44
39.92
growth rate -1.8% 1.6% 5.7% 24.4% 36.1% 6.5% -4.2% 5.1% 9.9% -14.0%
Cur.Liabilities 243.00
211.50
300.37
220.11
490.07
467.25
317.04
415.68
425.77
392.05
407.95
growth rate -13.0% 42.0% -26.7% 122.7% -4.7% -32.2% 31.1% 2.4% -7.9% 4.1%
Liabilities 1,094.00
1,082.50
1,086.12
979.51
1,019.07
1,040.89
1,097.08
1,303.37
1,193.81
1,389.68
1,372.45
growth rate -1.1% 0.3% -9.8% 4.0% 2.1% 5.4% 18.8% -8.4% 16.4% -1.2%
LT Debt 742.80
748.10
656.13
652.58
385.12
400.00
626.91
722.01
664.15
910.00
884.98
growth rate 0.7% -12.3% -0.5% -41.0% 3.9% 56.7% 15.2% -8.0% 37.0% -2.8%
Equity 117.20
226.20
302.69
432.94
550.46
647.50
745.07
880.97
1,015.01
915.41
570.86
growth rate 93.0% 33.8% 43.0% 27.2% 17.6% 15.1% 18.2% 15.2% -9.8% -37.6%
Common Shares 51.00
51.00
51.00
51.00
51.00
50.00
50.00
49.00
48.00
47.00
43.00
growth rate 0.0% 0.0% 0.0% 0.0% -2.0% 0.0% -2.0% -2.0% -2.1% -8.5%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 44.30
43.90
35.51
35.19
37.46
41.12
43.26
46.61
47.45
62.24
66.60
growth rate -0.9% -19.1% -0.9% 6.4% 9.8% 5.2% 7.8% 1.8% 31.2% 7.0%
Cash Dividends 51.30
51.40
51.13
50.92
50.71
57.60
59.76
58.72
58.10
56.67
51.74
growth rate 0.2% -0.5% -0.4% -0.4% 13.6% 3.7% -1.7% -1.1% -2.5% -8.7%
Cash From OA 206.00
212.60
235.37
244.08
261.50
285.10
309.63
319.31
338.43
339.32
286.65
growth rate 3.2% 10.7% 3.7% 7.1% 9.0% 8.6% 3.1% 6.0% 0.3% -15.5%
FCF per Share 3.14
3.29
3.36
4.09
4.20
4.76
5.08
5.11
5.93
5.79
5.91
growth rate 4.8% 2.1% 21.7% 2.7% 13.3% 6.7% 0.6% 16.1% -2.4% 2.1%
Sale Purchase of Stock -15.95
-14.84
-32.85
9.15
5.90
9.11
9.03
growth rate 0.0% 0.0% 100.0% -35.6% 54.6% -0.9%
FCF 160.00
168.00
200.00
209.00
224.00
239.00
265.00
273.00
291.00
277.00
220.00
growth rate 5.0% 19.1% 4.5% 7.2% 6.7% 10.9% 3.0% 6.6% -4.8% -20.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 1,344.20
1,402.20
1,417.60
1,514.92
1,584.82
1,674.08
1,772.82
1,849.06
1,965.56
1,998.03
2,008.72
growth rate 4.3% 1.1% 6.9% 4.6% 5.6% 5.9% 4.3% 6.3% 1.7% 0.5%
Op.Income 190.60
281.50
137.60
165.23
186.65
350.82
362.96
380.27
393.31
371.71
315.45
growth rate 47.7% -51.1% 20.1% 13.0% 88.0% 3.5% 4.8% 3.4% -5.5% -15.1%
IBT 155.00
235.90
216.08
250.75
281.06
297.18
327.95
340.39
312.83
212.63
-185.63
growth rate 52.2% -8.4% 16.0% 12.1% 5.7% 10.4% 3.8% -8.1% -32.0% -100.0%
Net Income 99.40
152.60
137.60
165.23
186.65
199.79
218.63
229.38
230.16
149.63
-199.90
growth rate 53.5% -9.8% 20.1% 13.0% 7.0% 9.4% 4.9% 0.3% -35.0% -100.0%
EPS 1.94
2.96
2.80
3.32
3.65
3.96
4.36
4.65
4.72
3.16
-4.65
growth rate 52.6% -5.4% 18.6% 9.9% 8.5% 10.1% 6.7% 1.5% -33.1% -100.0%
Gross Profit 839.40
913.80
924.19
990.54
1,023.71
1,068.68
1,135.42
1,181.90
1,223.42
1,207.74
1,199.34
growth rate 8.9% 1.1% 7.2% 3.4% 4.4% 6.3% 4.1% 3.5% -1.3% -0.7%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT 71.83
79.72
87.53
49.21
50.98
growth rate 11.0% 9.8% -43.8% 3.6%
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 183.65
168.59
196.21
195.74
169.18
growth rate -8.2% 16.4% -0.2% -13.6%
Acct.Payable 95.41
97.59
112.20
108.27
103.64
growth rate 2.3% 15.0% -3.5% -4.3%
Cur.Assets 445.08
425.72
472.21
686.20
716.25
growth rate -4.4% 10.9% 45.3% 4.4%
Total Assets 2,314.04
1,888.96
1,943.31
2,044.54
2,060.08
growth rate -18.4% 2.9% 5.2% 0.8%
Cash 66.73
73.47
73.62
310.15
371.95
growth rate 10.1% 0.2% 321.3% 19.9%
Inventory 46.10
42.19
39.92
42.68
47.53
growth rate -8.5% -5.4% 6.9% 11.4%
Cur.Liabilities 349.63
361.85
407.95
358.70
358.52
growth rate 3.5% 12.7% -12.1% -0.1%
Liabilities 1,419.89
1,363.44
1,372.45
1,570.57
1,574.74
growth rate -4.0% 0.7% 14.4% 0.3%
LT Debt 951.00
924.00
884.98
1,148.29
1,148.58
growth rate -2.8% -4.2% 29.8% 0.0%
Equity 894.15
525.53
570.86
473.97
485.27
growth rate -41.2% 8.6% -17.0% 2.4%
Common Shares 42.93
42.10
42.13
41.69
41.86
growth rate -1.9% 0.1% -1.0% 0.4%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 17.73
17.34
16.92
6.36
20.73
growth rate -2.2% -2.4% -62.4% 226.2%
Cash Dividends 13.14
12.82
12.67
12.71
12.75
growth rate -2.4% -1.1% 0.3% 0.3%
Cash From OA 59.71
102.92
78.63
18.55
91.10
growth rate 72.4% -23.6% -76.4% 391.0%
Sale Purchase of Stock
growth rate
FCF 41.98
85.59
61.71
12.20
70.37
growth rate 103.9% -27.9% -80.2% 476.8%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 493.99
493.59
522.07
486.42
410.41
growth rate -0.1% 5.8% -6.8% -15.6%
Op.Income 71.83
79.72
87.53
49.21
50.98
growth rate 11.0% 9.8% -43.8% 3.6%
IBT 44.75
-347.21
60.59
-63.34
19.95
growth rate -100.0% 100.0% -100.0% 100.0%
Net Income 32.58
-318.49
44.82
-60.13
14.86
growth rate -100.0% 100.0% -100.0% 100.0%
EPS
growth rate
Gross Profit 291.61
291.29
316.21
285.20
248.15
growth rate -0.1% 8.6% -9.8% -13.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

D (38.02)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is negative, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE 21.89 -2.88 5.30
EPS / Growth 8.6% -7.59 7.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 5.7% 5.7%
Future PE 2.00 12.87 12.87
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT 99.00 99.00 99.00

Graham Number:

Current EPS is negative, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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