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Intrinsic value of Deluxe Corporation (DLX)

Previous Close$17.84
Intrinsic Value
Upside potential
Previous Close
$17.84

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh174.18 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %12.9NaN
Revenue, $2022NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1880NaN
Operating income, $m142NaN
EBITDA, $m291NaN
Interest expense (income), $mNaN
Earnings before tax, $m94NaN
Tax expense, $m31NaN
Net income, $m63NaN

BALANCE SHEET

Cash and short-term investments, $m296NaN
Total assets, $m3074NaN
Adjusted assets (=assets-cash), $m2778NaN
Average production assets, $m1600NaN
Working capital, $m-63NaN
Total debt, $m1754NaN
Total liabilities, $m2500NaN
Total equity, $m574NaN
Debt-to-equity ratio3.056NaN
Adjusted equity ratio0.126NaN

CASH FLOW

Net income, $m63NaN
Depreciation, amort., depletion, $m149NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m211NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-109NaN
Free cash flow, $m320NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-63
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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