DLX vs PMTS
Deluxe Corp. and CPI Card Group Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | DLX | PMTS |
|---|---|---|
| Revenue | $2.1B | $543.5M |
| Net income | $82.1M | $14.9M |
| Gross margin | 53.0% | 31.3% |
| Net margin | 3.9% | 2.8% |
| Return on equity | 12.6% | · |
| Diluted EPS | $1.80 | $1.25 |
| Dividend / share | $1.20 | · |
| Payout ratio | 67.2% | · |
| Free cash flow | $175.3M | $41.3M |
| Equity | · | $-17.3M |
| Net debt / equity | 2.05× | · |
| Current ratio | 1.04× | 2.44× |
| Revenue CAGR 5y | 3.6% | 11.7% |
| Profit CAGR 5y | 73.4% | −1.5% |
DLX bills 3.9× the revenue of PMTS, and keeps more of each dollar of revenue as profit (3.9% against 2.8%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | DLX | PMTS |
|---|---|---|
| FY2025 | $2.1B | $543.5M |
| FY2024 | $2.1B | $480.6M |
| FY2023 | $2.2B | $444.5M |
| FY2022 | $2.2B | $475.7M |
| FY2021 | $2.0B | $375.1M |
| FY2020 | $1.8B | $312.2M |
| FY2019 | $2.0B | $278.1M |
| FY2018 | $2.0B | $255.8M |
| FY2017 | $2.0B | $223.7M |
| FY2016 | $1.8B | $308.7M |
Bottom line
| Fiscal year | DLX | PMTS |
|---|---|---|
| FY2025 | $82.1M | $14.9M |
| FY2024 | $52.8M | $19.5M |
| FY2023 | $26.1M | $24.0M |
| FY2022 | $65.4M | $36.5M |
| FY2021 | $62.6M | $15.9M |
| FY2020 | $5.2M | $16.1M |
| FY2019 | $-223.8M | $-5.1M |
| FY2018 | $149.6M | $-37.5M |
| FY2017 | $230.2M | $-22.0M |
| FY2016 | $229.4M | $5.4M |
13 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$1,589,666,000 | DLX |
| FY2024 | +$1,641,199,000 | DLX |
| FY2023 | +$1,747,753,000 | DLX |
| FY2022 | +$1,762,265,000 | DLX |
| FY2021 | +$1,647,078,000 | DLX |
| FY2020 | +$1,478,592,000 | DLX |
| FY2019 | +$1,730,642,000 | DLX |
| FY2018 | +$1,742,211,000 | DLX |
| FY2017 | +$1,741,812,000 | DLX |
| FY2016 | +$1,540,362,000 | DLX |
| FY2015 | +$1,398,707,000 | DLX |
| FY2014 | +$1,413,076,000 | DLX |
| FY2013 | +$1,388,454,000 | DLX |
DLX has reported the higher revenue in every one of these 13 fiscal years. The gap has widened since the earliest year compared.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.
13 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +1.1 pp | DLX |
| FY2024 | −1.6 pp | PMTS |
| FY2023 | −4.2 pp | PMTS |
| FY2022 | −4.8 pp | PMTS |
| FY2021 | −1.1 pp | PMTS |
| FY2020 | −4.9 pp | PMTS |
| FY2019 | −9.3 pp | PMTS |
| FY2018 | +22.1 pp | DLX |
| FY2017 | +21.5 pp | DLX |
| FY2016 | +10.7 pp | DLX |
| FY2015 | +4.1 pp | DLX |
| FY2014 | +6.8 pp | DLX |
| FY2013 | +7.4 pp | DLX |
The higher net margin has changed hands between DLX and PMTS over this period.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
DLX's net margin has been more volatile than PMTS's over the 13 comparable fiscal years — 6.6 percentage points of standard deviation against 6.5.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between DLX and PMTS over these 13 fiscal years — DLX led in 7 and PMTS in 6.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.