Deluxe Corporation (DLX) — RQD Stock Rating Cockpit

$22.59 -1.44% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.49

Deluxe Corporation (DLX) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.05B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on DLX Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DLX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, Deluxe Corporation (NYSE: DLX) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $22.59 (-1.44% 1D, market cap $1.05B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, DLX ranks #280 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DLX compare to WBTN and CMPR in the Consumer Discretionary sector?
▼

Within the Consumer Discretionary sector (Publishing), DLX carries a Roarable C (63/100 RQD), trailing P/E of 12.8x, gross margin of 53.0%, and ROIC of —. By comparison, WBTN (WEBTOON Entertainment Inc.) holds a D- grade (37/100 RQD, P/E N/A, ROIC -8.5%, cap $1.29B) and CMPR (Cimpress plc (Ireland)) posts a D+ grade (54/100 RQD, P/E 99.3x, ROIC 22.7%, cap $1.49B). Among the 5-stock peer group, ACCO leads on earnings multiple (9.7x) while CMPR leads on capital efficiency (22.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DLX?
▼

Per DLX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000027996), Deluxe Corporation generated $2.13B in revenue (+0.5% YoY), $82.1M in net income, and $175.3M in free cash flow against $2.86B in total assets and $1.41B in total debt. Key quantitative strengths: Strong cash generator (53% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $22.49 (-0.45%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 8.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D+
Cash (16)Whales (7)SEC (15)Macro (8)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$34 Bull$23 Base$18 Bear
📬 FREE DLX RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DLX)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY DLX SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 8.2% FCF Margin ($175.3M FCF) & 53% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
71
Grade B$22.91-0.4% Next Q
Q2 (-2Q)
68
Grade B-$22.81+1.7% Next Q
Q3 (-1Q)
66
Grade B-$23.19-2.6% Next Q
Current
63
Grade C$22.59+0.9% Hist 90D α
Trajectory: B (71) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the DLX Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, DLX faces multiple-compression risk if 12.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 50.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.35) or 200D SMA ($25.39) invalidates the momentum regime and cuts Target Base ($23.10) toward Bear Floor ($18.02).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DLX• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “DLX Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
RSI-14 MOMENTUMNEUTRAL RANGE
47.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE34% OF RANGE
L: $18$22.59H: $32
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (53% profit margin and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on DLX

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (80)

14.0% ROIC with 53.0% gross margin and 16.68% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (53)

24/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like DLX
  • ✓Strong cash generator (53% profit margin)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (DLX Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
DLX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -27.55%⚡ TESTING RESISTANCE
2026-11-02O $22.92H $22.92L $22.59C $22.59VOL 910.3K
RES: $23.45SUP: $21.99SMA50: $23.35SMA200: $25.39
$32.79$29.81$26.84$23.86$20.89RES $23.45SUP $21.99$22.592026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DLX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
3.8%/yr Implied 5Y Growth

vs. +0.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on DLX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DLX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for DLX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DLX)

Consumer Discretionary Rank #280 of 1011 ⚔️ WBTN vs DLX Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (DLX vs. WBTN, CMPR, MH, ACCO)

Industry: Publishing (11 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Deluxe Corporation (DLX) ranks #280 by composite RQD confidence (63/100, grade C) and #505 by equity capitalization ($1.05B). Within this direct 5-issuer industry benchmark cohort, ACCO leads on earnings valuation at 9.7x trailing P/E, while CMPR leads on capital efficiency and profitability with 22.7% ROIC and 47.5% gross margin. DLX currently leads its immediate peer cohort in composite quantitative strength at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
DLX ACTIVE
Deluxe Corporation
C 63/100 12.8x 53.0% — -1.44% $1.05B Benchmark Subject
WBTN
WEBTOON Entertainment Inc.
D- 37/100 — 23.3% -8.5% -6.92% $1.29B /wbtn-vs-dlx →
CMPR
Cimpress plc (Ireland)
D+ 54/100 99.3x 47.5% 22.7% -5.47% $1.49B /cmpr-vs-dlx →
MH
McGraw Hill Inc.
D 51/100 33.8x 80.9% 7.6% -3.89% $2.66B /mh-vs-dlx →
ACCO
Acco Brands Corporation
D+ 56/100 9.7x 32.8% 5.0% +26.15% $402.5M /acco-vs-dlx →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000027996

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Deluxe Corporation (DLX) reported GAAP revenue of $2.13B (+0.5% vs. FY2024 revenue of $2.12B , and -2.7% cumulative change since FY2023) , GAAP net income of $82.1M, operating cash flow of $270.6M, and free cash flow of $175.3M (+75.3% YoY). On the balance sheet, DLX closed FY2025 with $2.86B in total assets against $1.41B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.13B $82.1M $270.6M $175.3M $2.86B $1.41B
FY2024 (FY) 2024-12-31 $2.12B $52.8M $194.3M $100.0M $2.83B $1.47B
FY2023 (FY) 2023-12-31 $2.19B $26.1M $198.4M $198.4M — —

3. DLX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is DLX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Deluxe Corporation (NYSE: DLX) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $22.59 (-1.44% 1D, market cap $1.05B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, DLX ranks #280 in composite RQD confidence.

How does DLX compare to WBTN and CMPR in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Publishing), DLX carries a Roarable C (63/100 RQD), trailing P/E of 12.8x, gross margin of 53.0%, and ROIC of —. By comparison, WBTN (WEBTOON Entertainment Inc.) holds a D- grade (37/100 RQD, P/E N/A, ROIC -8.5%, cap $1.29B) and CMPR (Cimpress plc (Ireland)) posts a D+ grade (54/100 RQD, P/E 99.3x, ROIC 22.7%, cap $1.49B). Among the 5-stock peer group, ACCO leads on earnings multiple (9.7x) while CMPR leads on capital efficiency (22.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for DLX?

Per DLX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000027996), Deluxe Corporation generated $2.13B in revenue (+0.5% YoY), $82.1M in net income, and $175.3M in free cash flow against $2.86B in total assets and $1.41B in total debt. Key quantitative strengths: Strong cash generator (53% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is DLX trading relative to its 50-day, 200-day, and 52-week technical levels?

DLX last traded at $22.59 (-1.44% on volume of 341,913 shares), positioning the stock -3.25% below its 50-day simple moving average ($23.35) and -11.03% below its 200-day simple moving average ($25.39). Across its 52-week range of $17.76 to $32.07, DLX sits at the 33.8% percentile with a 14-day RSI of 47.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($21.42 to $23.76).

DLX Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell DLX stock right now?

Deluxe Corporation (DLX) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid 53% profit margin (53% profit margin), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is DLX's 12-month price target and RQD AI Jury consensus?

DLX's 12-month base price target is $23.1 (range $18.02 to $33.67), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

DLX — Deluxe Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:31:04Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, DLX holds an RQD Score of 63 and a letter grade of C, with the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are: Fundamental Cash Engine at 16/20 (ROIC 0%; FCF yield 16.68%), Whale 13F Flow at 7/20 (institutional accumulation and options positioning), Insider Conviction at 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 8/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5).

For a prospective investor, the strongest pillar is Insider Conviction, while the weakest are Macro Regime Fit and Whale 13F Flow. The cash-generation pillar is supported by a high stated FCF yield, but the 0% ROIC figure tempers how efficiently that cash is being earned on invested capital. The forensic pillar indicates a moderate balance-sheet profile rather than a clearly strong one. Taken together, the rating describes a balanced setup in which valuation and cash yield offset weaker institutional-flow and macro-fit readings, and the verdict label characterizes this as fair rather than compelling.

Snapshot

MetricValue
Price22.92
Market Cap$1.05B
P/E (TTM)12.8
Forward P/E11.9
EV/EBITDA7.7
EPS (TTM)1.79
Dividend Yield5.25%
Beta1.0
52-Wk Range$17.76 - $32.07
ROIC %0%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$2133.2M$232.4M$82.1MN/A$175.3M$36.9M$1413.1M
FY 2024$2121.8M$192.2M$52.8MN/A$100.0M$34.4M$1466.0M
FY 2023$2192.3M$160.8M$26.1MN/A$198.4MN/AN/A

Per the SEC financials, net income rose from $26.1M in FY 2023 to $82.1M in FY 2025, and operating income rose from $160.8M to $232.4M over the same span. Per the market data, the operating margin is 10.9%, the net margin is 3.8%, and the gross margin is 53%, with ROIC at 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 7/9, and Debt/Equity is 0.5. Debt declined from $1466.0M in FY 2024 to $1413.1M in FY 2025 per the SEC financials.

Open Questions

  • What are the specific drivers behind the expected earnings decline referenced in the news feed, and how do they relate to the reported Q3'26 revenue estimate?
  • The FY 2025 EPS and FY 2024 EPS fields are listed as N/A, and FY 2023 cash and debt are N/A; what reported share counts and balance-sheet figures would reconcile these gaps?
  • What is the composition of the 0% ROIC figure, and how does it reconcile with the reported operating income growth?
  • Which institutional holders and insider transactions underlie the Whale 13F Flow and Insider Conviction pillar scores?
  • What supply-chain or sector-level dependencies, if any, connect DLX to other listed companies?

DLX Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Deluxe Corporation (DLX) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to DLX Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DLX Bull vs. Bear Conversation Board — What's Your Call at $22.59?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DLX 🐻 50% BEARISH CONVICTION
1. Pick Your Side on DLX:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $24.75 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is DLX (C • RQD 63/100) a Buy at $22.92?

Welcome to the DLX (Deluxe Corporation) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Publishing. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $17.88 (-22.0%)
Spot @ $22.92

Pump the brakes on DLX — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on DLX, but look at what you are paying: 12.8x trailing P/E with 53.0% gross margins. Unless Deluxe Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $26.36 (+15.0%)
Spot @ $22.92

DLX cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on DLX, the market is fixating on short-term headline noise in Publishing and ignoring the balance sheet and cash flow trajectory. At $22.92 (52-wk range $17.76 - $32.07), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%