Deluxe Corporation
Deluxe Corporation is classed by the SEC under Blankbooks, Looseleaf Binders & Bookbindg & Relatd Work (industry code 2780), based in Minneapolis, MN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $2.1 billion and a profit of $82 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a product business: prior from its industry code (SEC 2780, Blankbooks, Looseleaf Binders & Bookbindg & Relatd Work); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.0 out of ten, 9 of 9 metrics filed: past 6.1 out of ten, present 4.6 out of ten, future 4.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.4 out of ten. No warning events in its filings since 2017. 74th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.2 out of ten. +1.6% a year over 10 filed years; profitable in 9 of 10. 62nd percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.8 out of ten. Share count grew 1.7% a year. 25% of cash flow returned. Insiders: 0 sales, 1 purchases. 38th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.7 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 76%: owes 76¢ per asset dollar. 47th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.3 out of ten. top 46% of 21 in its family; net margin 3.8%. 54th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 3.3 out of ten. bottom 33% of 15 in its family for leadership; chief executive since 2018. 33rd percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 4.5 out of ten. bottom 45% of 21 in its family for room to expand. 45th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.0 out of ten. bottom 40% of 21 in its family for growth drivers. 40th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.1 out of ten. top 49% of 20 in its family for expectations against reality. 51st percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 4, 2026-09-16. Filings on record since 1994. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Checks1 32%, Merchant Services Solutions 19%, Datadrivenmarketingsolutions 14%, Forms and Other Business Products 11%, Treasurymanagementsolutions 11%, Promotional Solutions Revenue 10%. As tagged in its annual report (Form 10-K, filed 2026-02-13).
Who runs it
Mccarthy, Barry C (President & CEO); Jones, Kevin Grant (President, Merchant Services); Capers, Garry L (SVP, President, B2B Payments); Engelhardt, Tracey G (SVP, Division President); Lazzaretti, Kristopher D (President, Data Solutions); Mahony, Brian (President, Merchant Services); Rubinetti, John F III (SVP, President B2B Payments); Zint, William C (SVP, Chief Financial Officer); Jeyaprakasam, Yogaraj (Chief Tech. & Digital Officer); Moyer, Kelly (Chief Accounting Officer, PAO); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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