Deluxe Corporation engaged in providing payment solutions. The company operates in 4 segments. Payments includes merchant in-store, online and mobile payment solutions; treasury management solutions, including remittance and lockbox processing, remote deposit capture, receivables management, payment processing and paperless treasury management; payroll and disbursement services, including Deluxe Payment Exchange; and fraud and security services. Data Solutions includes data-driven marketing solutions; hosted solutions, including digital engagement, logo design; web hosting and design services. Promotional Solutions includes business forms, accessories, advertising specialties and promotional apparel. Checks includes printed business and personal checks.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.04
Equity-to-Asset	0.2
Debt-to-Equity	2.76
Debt-to-EBITDA	4.97
Interest Coverage	1.64
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.3	Distress Grey Safe
Beneish M-Score	-2.78	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.6
	3-Year EBITDA Growth Rate	26.1
	3-Year EPS without NRI Growth Rate	-13.2
	3-Year FCF Growth Rate	-13.3
	3-Year Book Growth Rate	4.1
	Future 3-5Y EPS without NRI Growth Rate	12
	Future 3-5Y Total Revenue Growth Rate	0.72

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	66.83
	9-Day RSI	60.76
	14-Day RSI	57.06
	6-1 Month Momentum %	15.23
	12-1 Month Momentum %	38

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.93
	Quick Ratio	0.88
	Cash Ratio	0.09
	Days Inventory	17.9
	Days Sales Outstanding	31.93
	Days Payable	57.27

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.89
	Dividend Payout Ratio	0.36
	Forward Dividend Yield %	5.89
	5-Year Yield-on-Cost %	5.89
	3-Year Average Share Buyback Ratio	-1.4
	Shareholder Yield %	8.22

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	53.04
	Operating Margin %	9.43
	Net Margin %	1.19
	FCF Margin %	4.45
	ROE %	4.33
	ROA %	0.88
	ROIC %	4.93
	ROC (Joel Greenblatt) %	92.11
	ROCE %	7.13
	Years of Profitability over Past 10-Year	9

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	34.49
	Forward PE Ratio	6.38
	PE Ratio without NRI	6.13
	Shiller PE Ratio	8.17
	Price-to-Owner-Earnings	15.6
	PS Ratio	0.4
	PB Ratio	1.47
	Price-to-Free-Cash-Flow	9.14
	Price-to-Operating-Cash-Flow	4.55
	EV-to-EBIT	14.97
	EV-to-EBITDA	7.39
	EV-to-Revenue	1.13
	EV-to-Forward-Revenue	1.15
	EV-to-FCF	25.36
	Price-to-Projected-FCF	0.44
	Price-to-Median-PS-Value	0.36
	Earnings Yield (Greenblatt) %	6.68
	FCF Yield %	10.9
	Forward Rate of Return (Yacktman) %	27.44

GF Value: $21.35

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