DELUXE CORP
DLX · Blankbooks, Looseleaf Binders & Bookbindg & Relatd Work · 45.8M shares · +0%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: -$6M (gross $14M, SBC $20M)
Reference price $21.44 · est. market cap ~$982M — last insider purchase, 2025-12-10 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C64Deluxe is a cash-generative but structurally challenged business funding a payments pivot off a declining check/print franchise, with thin interest coverage.
Strengths
- Above-median operating margin (72.6th pct), OCF margin (62nd pct) and FCF (72.6th pct) plus solid gross margin (62.4th pct)
- Recurring Print cash flows fund Merchant Services/B2B Payments growth
Risks
- Low interest coverage (1.9x, leverage burden) and low absolute ROA (2.9%); secular check decline
- Tight liquidity (current ratio 26th pct) and competitive payments market
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Gross margin
53.0%
Operating margin
10.9%
Net margin
3.8%
Return on assets
2.9%
Revenue growth (QoQ)
0.5%
Net-income growth
55.5%
Net debt / EBITDA
3.6×
Interest coverage
1.9×
Current ratio
1.0×
Free cash flow
$175M
EBITDA
$370M
Cash & investments
$63M
Stock comp / revenue
1.2%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Cummins Hugh S. III | Grant | 1.2K | $22.84 |
| 2026-06-15 | Brown Angela L | Grant | 1.2K | $22.84 |
| 2026-06-15 | Yancy Telisa L | Grant | 1.2K | $22.84 |
| 2026-05-13 | Jeyaprakasam Yogaraj | Option exercise | 4.2K | — |
| 2026-05-13 | Jeyaprakasam Yogaraj | Tax withheld | 1.7K | $25.31 |
| 2026-04-23 | Cummins Hugh S. III | Option exercise | 10K | — |
| 2026-04-23 | Stauch John L | Option exercise | 10K | — |
| 2026-04-23 | MCKISSACK CHERYL MAYBERRY | Option exercise | 10K | — |
| 2026-04-23 | Schuessler Morgan M | Option exercise | 10K | — |
| 2026-04-23 | Yancy Telisa L | Option exercise | 10K | — |
| 2026-04-23 | GARCIA PAUL R | Option exercise | 10K | — |
| 2026-04-23 | Brown Angela L | Option exercise | 10K | — |
| 2026-04-23 | REDDIN THOMAS | Option exercise | 10K | — |
| 2026-03-13 | Yancy Telisa L | Other | 0 | $15.84 |
| 2026-03-13 | Cummins Hugh S. III | Grant | 1.0K | $26.56 |
| 2026-03-13 | Brown Angela L | Grant | 1.0K | $26.56 |
| 2026-02-19 | Engelhardt Tracey G | Tax withheld | 5.6K | $27.32 |
| 2026-02-19 | Jeyaprakasam Yogaraj | Option exercise | 10K | — |
| 2026-02-19 | Jeyaprakasam Yogaraj | Tax withheld | 4.2K | $27.32 |
| 2026-02-19 | Zint William C | Option exercise | 11K | — |
| 2026-02-19 | Zint William C | Tax withheld | 5.0K | $27.32 |
| 2026-02-19 | Mahony Brian | Option exercise | 5.1K | — |
| 2026-02-19 | Mahony Brian | Tax withheld | 2.5K | $27.32 |
| 2026-02-19 | Capers Garry L | Option exercise | 7.9K | — |
| 2026-02-19 | Capers Garry L | Tax withheld | 3.5K | $27.32 |
| 2026-02-19 | Lazzaretti Kristopher D | Option exercise | 1.9K | — |
| 2026-02-19 | Lazzaretti Kristopher D | Tax withheld | 953 | $27.32 |
| 2026-02-19 | Cotter Jeffrey Louis | Option exercise | 9.3K | — |
| 2026-02-19 | Cotter Jeffrey Louis | Tax withheld | 4.6K | $27.32 |
| 2026-02-19 | McCarthy Barry C | Option exercise | 51K | — |
| 2026-02-19 | McCarthy Barry C | Tax withheld | 25K | $27.32 |
| 2026-02-19 | Cross Kimberly D | Option exercise | 3.7K | — |
| 2026-02-19 | Cross Kimberly D | Tax withheld | 1.7K | $27.32 |
| 2026-02-19 | Moyer Kelly | Option exercise | 4.7K | — |
| 2026-02-19 | Moyer Kelly | Tax withheld | 1.6K | $27.32 |
| 2026-02-19 | Engelhardt Tracey G | Option exercise | 13K | — |
| 2026-02-16 | Lazzaretti Kristopher D | Tax withheld | 788 | $26.21 |
| 2026-02-16 | Capers Garry L | Tax withheld | 1.4K | $26.21 |
| 2026-02-16 | Lazzaretti Kristopher D | Option exercise | 1.5K | — |
| 2026-02-16 | Capers Garry L | Option exercise | 3.1K | — |
| 2026-02-16 | McCarthy Barry C | Option exercise | 17K | — |
| 2026-02-16 | McCarthy Barry C | Tax withheld | 8.5K | $26.21 |
| 2026-02-16 | Zint William C | Option exercise | 1.2K | — |
| 2026-02-16 | Zint William C | Tax withheld | 515 | $26.21 |
| 2026-02-16 | Cotter Jeffrey Louis | Option exercise | 2.9K | — |
| 2026-02-16 | Cotter Jeffrey Louis | Tax withheld | 1.4K | $26.21 |
| 2026-02-16 | Engelhardt Tracey G | Option exercise | 3.1K | — |
| 2026-02-16 | Engelhardt Tracey G | Tax withheld | 1.3K | $26.21 |
| 2026-02-15 | Zint William C | Tax withheld | 3.2K | $26.21 |
| 2026-02-15 | Zint William C | Option exercise | 7.2K | — |
| 2026-02-15 | Jeyaprakasam Yogaraj | Option exercise | 7.7K | — |
| 2026-02-15 | Jeyaprakasam Yogaraj | Tax withheld | 3.1K | $26.21 |
| 2026-02-15 | McCarthy Barry C | Tax withheld | 23K | $26.21 |
| 2026-02-15 | McCarthy Barry C | Option exercise | 47K | — |
| 2026-02-15 | Engelhardt Tracey G | Option exercise | 10K | — |
| 2026-02-15 | Engelhardt Tracey G | Tax withheld | 4.3K | $26.21 |
| 2026-02-15 | Capers Garry L | Option exercise | 6.8K | — |
| 2026-02-15 | Capers Garry L | Tax withheld | 3.0K | $26.21 |
| 2026-02-15 | Cotter Jeffrey Louis | Option exercise | 6.4K | — |
| 2026-02-15 | Cotter Jeffrey Louis | Tax withheld | 3.1K | $26.21 |
| 2026-02-15 | Lazzaretti Kristopher D | Tax withheld | 1.7K | $26.21 |
| 2026-02-15 | Lazzaretti Kristopher D | Option exercise | 3.4K | — |
| 2026-02-14 | Jeyaprakasam Yogaraj | Tax withheld | 3.0K | $26.21 |
| 2026-02-14 | Zint William C | Option exercise | 9.6K | — |
| 2026-02-14 | Zint William C | Tax withheld | 4.3K | $26.21 |
| 2026-02-14 | Cotter Jeffrey Louis | Option exercise | 7.9K | — |
| 2026-02-14 | Cotter Jeffrey Louis | Tax withheld | 3.9K | $26.21 |
| 2026-02-14 | Jeyaprakasam Yogaraj | Option exercise | 7.5K | — |
| 2026-02-14 | Engelhardt Tracey G | Option exercise | 10K | — |
| 2026-02-14 | Engelhardt Tracey G | Tax withheld | 4.2K | $26.21 |
| 2026-02-14 | Capers Garry L | Option exercise | 6.7K | — |
| 2026-02-14 | Capers Garry L | Tax withheld | 3.0K | $26.21 |
| 2026-02-14 | Lazzaretti Kristopher D | Option exercise | 1.7K | — |
| 2026-02-14 | Lazzaretti Kristopher D | Tax withheld | 854 | $26.21 |
| 2026-02-14 | McCarthy Barry C | Option exercise | 46K | — |
| 2026-02-14 | McCarthy Barry C | Tax withheld | 23K | $26.21 |
| 2026-02-09 | Capers Garry L | Grant | 30K | $27.80 |
| 2026-02-09 | Capers Garry L | Tax withheld | 13K | $27.80 |
| 2026-02-09 | Zint William C | Grant | 32K | $27.80 |
| 2026-02-09 | Zint William C | Tax withheld | 14K | $27.80 |
| 2026-02-09 | McCarthy Barry C | Grant | 204K | $27.80 |
| 2026-02-09 | McCarthy Barry C | Tax withheld | 101K | $27.80 |
| 2026-02-09 | Jeyaprakasam Yogaraj | Grant | 33K | $27.80 |
| 2026-02-09 | Jeyaprakasam Yogaraj | Tax withheld | 14K | $27.80 |
| 2026-02-09 | Engelhardt Tracey G | Grant | 45K | $27.80 |
| 2026-02-09 | Engelhardt Tracey G | Tax withheld | 19K | $27.80 |
| 2026-02-09 | Cotter Jeffrey Louis | Grant | 28K | $27.80 |
| 2026-02-09 | Cotter Jeffrey Louis | Tax withheld | 14K | $27.80 |
| 2026-02-09 | REDDIN THOMAS | Gift | 0 | — |
| 2026-02-06 | REDDIN THOMAS | Gift | 0 | — |
| 2026-02-05 | REDDIN THOMAS | Gift | 0 | — |
| 2025-12-22 | REDDIN THOMAS | Gift | 250 | — |
| 2025-12-22 | REDDIN THOMAS | Gift | 250 | — |
| 2025-12-15 | Brown Angela L | Other | 1.2K | $22.42 |
| 2025-12-15 | Yancy Telisa L | Other | 1.2K | $22.42 |
| 2025-12-12 | REDDIN THOMAS | Gift | 250 | — |
| 2025-12-12 | REDDIN THOMAS | Gift | 250 | — |
| 2025-12-12 | REDDIN THOMAS | Gift | 250 | — |
| 2025-12-10 | Zint William C | Buy | 175 | $21.44 |
| 2025-11-14 | Cross Kimberly D | Option exercise | 17K | — |
| 2025-11-14 | Cross Kimberly D | Tax withheld | 6.8K | $20.21 |
| 2025-11-14 | Moyer Kelly | Option exercise | 2.2K | — |
| 2025-11-14 | Moyer Kelly | Tax withheld | 637 | $20.21 |
| 2025-09-15 | Brown Angela L | Grant | 1.4K | $19.65 |
| 2025-09-15 | Yancy Telisa L | Grant | 1.4K | $19.65 |
| 2025-09-10 | Zint William C | Buy | 175 | $19.13 |
| 2025-08-15 | Rubinetti John F III | Option exercise | 21K | — |
| 2025-08-15 | Rubinetti John F III | Tax withheld | 9.2K | $19.33 |
| 2025-08-13 | Brown Angela L | Option exercise | 6.2K | — |
| 2025-06-13 | Brown Angela L | Other | 1.9K | $14.75 |
| 2025-06-13 | Yancy Telisa L | Other | 1.9K | $14.75 |
| 2025-06-11 | Zint William C | Buy | 175 | $15.88 |
| 2025-05-13 | Jeyaprakasam Yogaraj | Option exercise | 4.2K | — |
| 2025-05-13 | Jeyaprakasam Yogaraj | Tax withheld | 1.6K | $16.20 |
| 2025-04-24 | MCKISSACK CHERYL MAYBERRY | Option exercise | 8.0K | — |
| 2025-04-24 | Stauch John L | Option exercise | 8.0K | — |
| 2025-04-24 | Yancy Telisa L | Option exercise | 8.0K | — |
| 2025-04-24 | REDGRAVE MARTYN R | Option exercise | 8.0K | — |
| 2025-04-24 | REDGRAVE MARTYN R | Option exercise | 9.4K | — |
| 2025-04-24 | COBB WILLIAM C | Option exercise | 3.4K | — |
| 2025-04-24 | COBB WILLIAM C | Option exercise | 5.7K | — |
| 2025-04-24 | COBB WILLIAM C | Option exercise | 10K | — |
| 2025-04-24 | COBB WILLIAM C | Option exercise | 8.0K | — |
| 2025-04-24 | GARCIA PAUL R | Option exercise | 8.0K | — |
| 2025-03-14 | Brown Angela L | Other | 1.7K | $15.84 |
| 2025-03-14 | Yancy Telisa L | Other | 1.7K | $15.84 |
| 2025-03-12 | Zint William C | Buy | 175 | $15.95 |
| 2025-03-10 | McCarthy Barry C | Buy | 3.9K | $16.45 |
| 2025-02-28 | Engelhardt Tracey G | Option exercise | 757 | — |
| 2025-02-28 | Engelhardt Tracey G | Tax withheld | 317 | $16.46 |
| 2025-02-28 | Zint William C | Option exercise | 636 | — |
| 2025-02-28 | Zint William C | Tax withheld | 285 | $16.46 |
| 2025-02-28 | Cotter Jeffrey Louis | Option exercise | 1.1K | — |
| 2025-02-28 | Cotter Jeffrey Louis | Tax withheld | 559 | $16.46 |
| 2025-02-28 | McCarthy Barry C | Option exercise | 6.1K | — |
| 2025-02-28 | McCarthy Barry C | Tax withheld | 3.0K | $16.46 |
| 2025-02-28 | Capers Garry L | Option exercise | 757 | — |
| 2025-02-28 | Capers Garry L | Tax withheld | 339 | $16.46 |
| 2025-02-28 | Lazzaretti Kristopher D | Option exercise | 848 | — |
| 2025-02-28 | Lazzaretti Kristopher D | Tax withheld | 433 | $16.46 |
| 2025-02-16 | Cotter Jeffrey Louis | Tax withheld | 1.4K | $18.92 |
| 2025-02-16 | Zint William C | Option exercise | 1.2K | — |
| 2025-02-16 | Zint William C | Tax withheld | 518 | $18.92 |
| 2025-02-16 | McCarthy Barry C | Option exercise | 17K | — |
| 2025-02-16 | McCarthy Barry C | Tax withheld | 8.5K | $18.92 |
| 2025-02-16 | Lazzaretti Kristopher D | Option exercise | 1.5K | — |
| 2025-02-16 | Lazzaretti Kristopher D | Tax withheld | 787 | $18.92 |
| 2025-02-16 | Jeyaprakasam Yogaraj | Tax withheld | 2.9K | $18.92 |
| 2025-02-16 | Engelhardt Tracey G | Option exercise | 3.1K | — |
| 2025-02-16 | Engelhardt Tracey G | Tax withheld | 1.3K | $18.92 |
| 2025-02-16 | Cotter Jeffrey Louis | Option exercise | 2.9K | — |
| 2025-02-16 | Capers Garry L | Option exercise | 3.1K | — |
| 2025-02-16 | Capers Garry L | Tax withheld | 1.4K | $18.92 |
| 2025-02-16 | BRADFORD DEBRA A | Option exercise | 925 | — |
| 2025-02-16 | BRADFORD DEBRA A | Tax withheld | 414 | $18.92 |
| 2025-02-15 | Cotter Jeffrey Louis | Option exercise | 6.4K | — |
| 2025-02-15 | Cotter Jeffrey Louis | Tax withheld | 3.1K | $18.92 |
| 2025-02-15 | Zint William C | Tax withheld | 3.2K | $18.92 |
| 2025-02-15 | Lazzaretti Kristopher D | Tax withheld | 1.7K | $18.92 |
| 2025-02-15 | Jeyaprakasam Yogaraj | Option exercise | 7.7K | — |
| 2025-02-15 | McCarthy Barry C | Option exercise | 47K | — |
| 2025-02-15 | Capers Garry L | Option exercise | 6.8K | — |
| 2025-02-15 | Capers Garry L | Tax withheld | 3.1K | $18.92 |
| 2025-02-15 | Zint William C | Option exercise | 7.2K | — |
| 2025-02-15 | Lazzaretti Kristopher D | Option exercise | 413 | — |
| 2025-02-15 | McCarthy Barry C | Tax withheld | 23K | $18.92 |
| 2025-02-15 | Engelhardt Tracey G | Option exercise | 10K | — |
| 2025-02-15 | Engelhardt Tracey G | Tax withheld | 4.3K | $18.92 |
| 2025-02-15 | BRADFORD DEBRA A | Tax withheld | 990 | $18.92 |
| 2025-02-15 | BRADFORD DEBRA A | Option exercise | 2.2K | — |
| 2025-02-15 | Lazzaretti Kristopher D | Option exercise | 3.4K | — |
| 2025-02-15 | Lazzaretti Kristopher D | Tax withheld | 211 | $18.92 |
| 2025-02-14 | Cotter Jeffrey Louis | Tax withheld | 3.9K | $18.63 |
| 2025-02-14 | Jeyaprakasam Yogaraj | Option exercise | 7.5K | — |
| 2025-02-14 | Jeyaprakasam Yogaraj | Tax withheld | 2.8K | $18.63 |
| 2025-02-14 | Engelhardt Tracey G | Option exercise | 10K | — |
| 2025-02-14 | Engelhardt Tracey G | Tax withheld | 4.2K | $18.63 |
| 2025-02-14 | Cotter Jeffrey Louis | Option exercise | 7.9K | — |
| 2025-02-14 | Zint William C | Option exercise | 9.6K | — |
| 2025-02-14 | Capers Garry L | Option exercise | 6.7K | — |
| 2025-02-14 | Capers Garry L | Tax withheld | 3.0K | $18.63 |
| 2025-02-14 | BRADFORD DEBRA A | Option exercise | 1.7K | — |
| 2025-02-14 | BRADFORD DEBRA A | Tax withheld | 747 | $18.63 |
| 2025-02-14 | Zint William C | Tax withheld | 4.6K | $18.63 |
| 2025-02-14 | McCarthy Barry C | Option exercise | 46K | — |
| 2025-02-14 | McCarthy Barry C | Tax withheld | 23K | $18.63 |
| 2025-02-14 | Lazzaretti Kristopher D | Option exercise | 1.7K | — |
| 2025-02-14 | Lazzaretti Kristopher D | Tax withheld | 854 | $18.63 |
| 2025-01-31 | Engelhardt Tracey G | Tax withheld | 4.5K | $23.42 |
| 2025-01-31 | McCarthy Barry C | Tax withheld | 28K | $23.42 |
| 2025-01-31 | Jeyaprakasam Yogaraj | Option exercise | 14K | — |
| 2025-01-31 | Capers Garry L | Tax withheld | 4.8K | $23.42 |
| 2025-01-31 | Engelhardt Tracey G | Option exercise | 10K | — |
| 2025-01-31 | Jeyaprakasam Yogaraj | Tax withheld | 5.5K | $23.42 |
| 2025-01-31 | McCarthy Barry C | Option exercise | 57K | — |
| 2025-01-31 | Capers Garry L | Option exercise | 10K | — |
| 2025-01-31 | Cotter Jeffrey Louis | Tax withheld | 5.0K | $23.42 |
| 2025-01-31 | Cotter Jeffrey Louis | Option exercise | 9.6K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-18 | Material agreementDebt obligationReg FDExhibits | filing ↗ |
| 2026-05-06 | ResultsExhibits | filing ↗ |
| 2026-04-24 | Shareholder voteExhibits | filing ↗ |
| 2026-03-09 | Exec/director change | filing ↗ |
| 2026-02-10 | Material agreement | filing ↗ |
| 2026-02-05 | ResultsExhibits | filing ↗ |
| 2026-01-28 | ResultsExhibits | filing ↗ |
| 2025-12-17 | Material agreementDebt obligationExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-18 | 2026-06-17 | 0001104659-26-075414 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0000027996-26-000096 ↗ |
| 8-K | 2026-05-06 | 2026-05-06 | 0000027996-26-000094 ↗ |
| 8-K | 2026-04-24 | 2026-04-23 | 0000027996-26-000087 ↗ |
| 8-K | 2026-03-09 | 2026-03-04 | 0001104659-26-025004 ↗ |
| 10-K | 2026-02-13 | 2025-12-31 | 0000027996-26-000037 ↗ |
| 8-K | 2026-02-10 | 2026-02-10 | 0001104659-26-012727 ↗ |
| 8-K/A | 2026-02-05 | 2026-01-28 | 0000027996-26-000011 ↗ |
| 8-K | 2026-01-28 | 2026-01-28 | 0000027996-26-000007 ↗ |
| 8-K | 2025-12-17 | 2025-12-17 | 0001104659-25-121857 ↗ |
| 10-Q | 2025-11-06 | 2025-09-30 | 0000027996-25-000189 ↗ |
| 8-K | 2025-11-05 | 2025-11-05 | 0000027996-25-000188 ↗ |