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Deluxe (DLX) investor relations material
Deluxe Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved strong 2025 results with revenue and profit growth, margin expansion, and accelerated free cash flow generation, meeting 2026 targets a year early.
Payments and Data segments now represent 47% of revenue, up from 43% last year, with Data revenue up 31% year-over-year.
Net debt reduced by $76.2 million, leverage ratio improved to 3.2x, and regular dividend paid for over 30 years.
Strategic focus on shifting revenue mix toward Payments and Data, driving efficiencies, and increasing cash flow to further reduce debt.
Maintained dividend and reduced net debt, supporting long-term value creation and shareholder returns.
Financial highlights
Full-year revenue reached $2.133 billion, up 0.5% reported and 1.1% on a comparable adjusted basis.
GAAP net income was $85.3 million ($1.87/share), up from $52.9 million ($1.18/share) in 2024.
Comparable adjusted EBITDA was $431.5 million, up 6.2%, with margins expanding 90 basis points to 20.2%.
Comparable adjusted EPS grew 12.6% to $3.67.
Free cash flow was $175.3 million, up from $100 million in 2024.
Outlook and guidance
2026 revenue guidance: $2.11–$2.175 billion (-1% to +2% comparable adjusted growth).
Adjusted EBITDA guidance: $445–$470 million (3–9% growth); adjusted EPS: $3.90–$4.30 (6–17% growth).
Free cash flow expected to reach ~$200 million (14% growth).
Payments and Data expected to reach revenue parity with Print in 2026.
Long-term targets: 2–4% annual revenue growth, 4–6% EBITDA growth, 3x leverage, and 30%+ FCF conversion by 2026.
What strategic options open post-parity?
Scale AI applications across segments
Prioritize capital allocation post-3x leverage target
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Next Deluxe earnings date
Q1 202629 Apr, 2026
Deluxe
Next Deluxe earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Deluxe Corporation is a U.S.-based provider of business services, offering solutions in payments, marketing, and data management. It serves financial institutions, small businesses, and enterprises with check printing, digital payment platforms, and cloud-based technologies. The company also delivers services in promotional marketing and web development. The company is headquartered in Minneapolis, Minnesota, and its shares are listed on the NYSE.
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