Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-5.73%
$24.72
0% positive prob.
5-Day Prediction
-10.82%
$23.38
0% positive prob.
20-Day Prediction
-12.59%
$22.92
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q1 2026 | SELL | -5.73% | -10.82% | -12.59% | 100.0% | Pending |
| Q4 2025 | BUY | +7.98% | +10.16% | +10.05% | 99.1% | -7.37% |
SEC 8-K filings with transcript text
May 6, 2026 · 100% conf.
1D
-5.73%
$24.72
5D
-10.82%
$23.38
20D
-12.59%
$22.92
2 exhibit991050620268-k.htm
Document
Exhibit 99.1
Contact:
Brian Anderson, VP, Strategy & Investor RelationsKeith Negrin, VP, Communications
651-447-4197612-669-1459
brian.anderson@deluxe.comkeith.negrin@deluxe.com
•Reported revenue increased 0.3%, while comparable adjusted revenue increased 2.7%.
•Net income was $35.8 million, improving from $14.0 million in 2025, on expanded operating income including both lower SG&A and restructuring expense.
•Comparable adjusted EBITDA increased 19.7% to $117.9 million.
•GAAP diluted EPS was $0.77 versus $0.31 in 2025; comparable adjusted diluted EPS improved 45.8% to $1.05.
•Cash from operating activities was $52.7 million; free cash flow increased $3.0 million to $27.3 million.
•Total debt reduced by $32.3 million, while net debt reduced by $22.6 million.
•Updates full-year outlook to reflect Q1 Safeguard divestiture; affirming free cash flow and maintaining comparable adjusted growth estimates across balance of metrics.
Minneapolis – May 6, 2026 – Deluxe (NYSE: DLX), a trusted Payments and Data company, today reported operating results for its first quarter ended March 31, 2026.
“We extended our strong 2025 performance through the first quarter of the year, with robust revenue expansion specifically across the Data Solutions and Merchant Services segments. We also grew comparable adjusted EBITDA nearly 20%, expanding the margin rate by more than 300 basis points,” said Barry McCarthy, President and CEO of Deluxe. “We achieved two long-term strategic milestones, reaching our 3x leverage target and shifting mix towards Payments and Data that now together represent more than 50% of revenue."
“In addition to the strong results for the first quarter, we closed on the Safeguard divestiture, further positioning the on-going portfolio toward our growing Payments and Data businesses,” said Chip Zint, Senior Vice President and Chief Financial Officer of Deluxe. “Strong continuing free cash flows drove our sustaining debt reduction trajectory, positioning our balance sheet to support future growth. We are well-positioned to continue the strong momentum through the balance of the year.”
First Quarter 2026 Financial Highlights
(in millions, except per share amounts)
1st Quarter
2026
1st Quarter
2025 % Change
Revenue$538.1 $536.5 0.3%
Comparable Adjusted Revenue$538.1 $523.9 2.7%
Net Income$35.8 $14.0 n/m
Comparable Adjusted EBITDA$117.9 $98.5 19.7%
Diluted EPS$0.77 $0.31 n/m
Comparable Adjusted Diluted EPS$1.05 $0.7245.8%
————
n/m - not meaningful
•Revenue for the first quarter increased 0.3% from the previous year. Comparable adjusted revenue, reflecting the impact of a business exit, increased 2.7% compared to the previous year.
•Net income of $35.8 million was up from $14.0 million in the first quarter of 2025.
•Comparable adjusted EBITDA margin was 21.9%, up 310 basis points from the prior year.
•Comparable adjusted diluted EPS of $1.05 was up 45.8% year over year.
Outlook
The Company expects the following for full year 2026, adjusted for the March Safeguard divestiture:
•Revenue of $1.985 to $2.050 billion, reflecting (1%) to +2% comparable adjusted growth vs 2025
•Adjusted EBITDA of $430 to $455 million, reflecting +4% to +10% comparable adjusted growth
•Adjusted diluted EPS of $3.60 to $4.00, reflecting +9% to +21% comparable adjusted growth
•Free cash flow of approximately $200 million, reflecting +14% growth vs 2025
This guidance remains subject to, among other things, prevailing macroeconomic conditions, global instability, including tariffs, labor supply challenges, and inflation, as well as the impact of other potential changes to the company's portfolio.
Capital Allocation and Dividend
The Board of Directors recently approved a regular quarterly dividend of $0.30 per share. The dividend will be payable on June 2, 2026, to shareholders of record as of market closing on May 19, 2026.
Earnings Call Information
Deluxe management will host a conference call today at 8:30 a.m. ET (7:30 a.m. CT) to review the financial results. Listeners can access the call by dialing 1-800-330-6730 (conference 403592). The audio and accompanying slides will be available via a simultaneous webcast accessible through the investor
relations website at www.investors.deluxe.com. A replay will be available after 4:00 p.m. ET through midnight on May 13, 2026, via the webcast link and listen-by-phone option.
About Deluxe Corporation
Deluxe, a trusted Payments and Data company, champions business so communities thrive. Our solutions help businesses pay, get paid, and grow. For more than 100 years, Deluxe customers have relied on our solutions and platforms at all stages of their lifecycle, from start-up to maturity. Our powerful scale supports millions of small businesses, thousands of vital financial institutions, and hundreds of the world’s largest consumer brands, while process
Feb 5, 2026 · 99% conf.
1D
+7.98%
$30.17
Act: -0.50%
5D
+10.16%
$30.78
Act: -7.37%
20D
+10.05%
$30.75
dlx-202601280000027996false00000279962026-01-282026-01-28
Washington, D.C. 20549
(Amendment No. 1)
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 28, 2026
(Exact name of registrant as specified in its charter)
(State or other jurisdiction(Commission(I.R.S. Employer of incorporation)File Number)Identification No.)
801 S. Marquette Ave., Minneapolis, MN 55402-2807 (Address of principal executive offices)(Zip Code)
(651) 483-7111 Registrant's telephone number, including area code
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, par value $1.00 per shareDLXNYSE
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). ☐ Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Explanatory Note
The Company is filing this Amendment No. 1 to its January 28, 2026 Current Report on Form 8-K solely to furnish an amended version of the earnings release (the "Amended Earnings Release") originally furnished on January 28, 2026 (“Original Earnings Release”) reflecting the impact of incremental non-cash amortization expense and a reclassification between current and non-current liabilities.
The Amended Earnings Release reflects an increase of $4.1 million in amortization expense for the quarter and year ended December 31, 2025 and a $20.9 million reduction in current portion of long-term debt, with a corresponding increase in long-term debt. Other than the resulting impacts on the Company's Consolidated Statements of Income, Balance Sheet, and Statement of Cash Flows, no other changes have been made to the Original Earnings Release.
Section 2 - Financial Information
Item 2.02 Results of Operations and Financial Condition.
On February 4, 2026, the Company posted the Amended Earnings Release to the Investor Relations section of its website, as described in the Explanatory Note above. The full text of the Amended Earnings Release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.
The information in this Item 2.02 and Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.
Section 9 - Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
Exhibit NumberDescription 99.1Amended Earnings Release, dated January 28, 2026, of Deluxe Corporation reporting results from fourth quarter 2025 (furnished)
101.INSXBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document 101.SCHXBRL Taxonomy Extension Schema Document 101.LABXBRL Taxonomy Extension Label Linkbase Document 101.PREXBRL Taxonomy Extension Presentation Linkbase Document 104Cover page interactive data file (formatted as Inline XBRL and contained in Exhibit 101)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: February 4, 2026
/s/ Jeffrey L. Cotter
Jeffrey L. Cotter Senior Vice President, Chief Administrative Officer and General Counsel
3
Jan 28, 2026 · 99% conf.
1D
+7.98%
$30.17
Act: -0.50%
5D
+10.16%
$30.78
Act: -7.37%
20D
+10.05%
$30.75
dlx-202601280000027996false00000279962026-01-282026-01-28
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 28, 2026
(Exact name of registrant as specified in its charter)
(State or other jurisdiction(Commission(I.R.S. Employer of incorporation)File Number)Identification No.)
801 S. Marquette Ave., Minneapolis, MN 55402-2807 (Address of principal executive offices)(Zip Code)
(651) 483-7111 Registrant's telephone number, including area code
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, par value $1.00 per shareDLXNYSE
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). ☐ Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Section 2 - Financial Information
Item 2.02 Results of Operations and Financial Condition.
Furnished as Exhibit 99.1 is the earnings release of Deluxe Corporation reporting results from fourth quarter 2025.
The information in this Item 2.02 and Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.
Section 9 - Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
Exhibit NumberDescription 99.1Earnings Release, dated January 28, 2026, of Deluxe Corporation reporting results from fourth quarter 2025 (furnished)
101.INSXBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document 101.SCHXBRL Taxonomy Extension Schema Document 101.LABXBRL Taxonomy Extension Label Linkbase Document 101.PREXBRL Taxonomy Extension Presentation Linkbase Document 104Cover page interactive data file (formatted as Inline XBRL and contained in Exhibit 101)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: January 28, 2026
/s/ Jeffrey L. Cotter
Jeffrey L. Cotter Senior Vice President, Chief Administrative Officer and General Counsel
3
This page provides Deluxe Corporation (DLX) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on DLX's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.