Ronald Baldwin - Deluxe Independent Director

DLX Stock  USD 20.48  0.66  3.33%   

Director

Mr. Ronald C. Baldwin is an Independent Director of the Company. Mr. Baldwin served as ice Chairman of Huntington Bancshares, Inc., a regional bank holding company since 2007.
Age 72
Tenure 17 years
Address 801 South Marquette Avenue, Minneapolis, MN, United States, 55402-2807
Phone651 483 7111
Webhttps://www.deluxe.com
Baldwin was responsible for overseeing Huntington’s regional banking line of business, which provided both commercial and retail financial products and services through nearly 400 regional banking offices. 35 years in the banking and financial services industry. Provides unique insight into challenges faced by financial institutions as Deluxe believes it expands the business services and solutions offered to financial institutions. Adept in offering counsel on matters related to corporate finance and capital structure, all of which serve the needs of Deluxe as it seeks to maintain financial discipline while pursuing growth opportunities

Deluxe Management Efficiency

The company has Return on Asset of 0.0448 % which means that on every $100 spent on assets, it made $0.0448 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0434 %, implying that it generated $0.0434 on every 100 dollars invested. Deluxe's management efficiency ratios could be used to measure how well Deluxe manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to drop to 0.02 in 2024. Return On Capital Employed is likely to drop to 0.09 in 2024. At this time, Deluxe's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to rise to about 2.4 B in 2024, whereas Total Current Assets are likely to drop slightly above 390 M in 2024.
The company has 1.65 B in debt with debt to equity (D/E) ratio of 2.92, meaning that the company heavily relies on borrowing funds for operations. Deluxe has a current ratio of 0.93, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Debt can assist Deluxe until it has trouble settling it off, either with new capital or with free cash flow. So, Deluxe's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Deluxe sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Deluxe to invest in growth at high rates of return. When we think about Deluxe's use of debt, we should always consider it together with cash and equity.

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Deluxe Corporation provides technology-enabled solutions to enterprises, small businesses, and financial institutions in the United States, Canada, Australia, South America, and Europe. Deluxe Corporation was founded in 1915 and is headquartered in Shoreview, Minnesota. Deluxe Corp operates under Advertising Agencies classification in the United States and is traded on New York Stock Exchange. It employs 6169 people. Deluxe (DLX) is traded on New York Stock Exchange in USA. It is located in 801 South Marquette Avenue, Minneapolis, MN, United States, 55402-2807 and employs 5,170 people. Deluxe is listed under Commercial Services & Supplies category by Fama And French industry classification.

Management Performance

Deluxe Leadership Team

Elected by the shareholders, the Deluxe's board of directors comprises two types of representatives: Deluxe inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Deluxe. The board's role is to monitor Deluxe's management team and ensure that shareholders' interests are well served. Deluxe's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Deluxe's outside directors are responsible for providing unbiased perspectives on the board's policies.
William McCarthy, President, Chief Executive Officer
Thomas Riccio, Senior Vice President Division President Promotional Solutions
Barry McCarthy, President, Chief Executive Officer, Director
Brian Anderson, Vice Relations
Cheryl McKissack, Independent Non-Executive Chairman of the Board
Garry Capers, Senior Vice President, Division President, Cloud Solutions
Julie Loosbrock, Senior Vice President - Human Resources
Jeffrey Cotter, Senior Vice President, Chief Administrative Officer, General Counsel, Secretary
Malcolm McRoberts, Sr. VP of Small Bus. Services
Donald McGrath, Independent Director
Michael Mathews, Senior Vice President, Chief Information Officer
Michael Schroeder, Associate General Counsel and Assistant Secretary
Edward Merritt, Treasurer and Vice President of Investor Relations
John Stauch, Independent Director
Thomas Reddin, Independent Director
Chip Zint, Sr CFO
Amanda Brinkman, Vice President - Chief Brand, Communications Officer
Yogaraj Jayaprakasam, Senior Officer
Stephen Nachtsheim, Independent Director
Telisa Yancy, Independent Director
Ronald Houwelingen, Principal Accounting Officer, Controller
Chad Kurth, VP Officer
Peter Godich, Senior Vice President, Chief of Operations
Kristopher Lazzaretti, Head Marketing
Terry Peterson, CFO, Principal Accounting Officer and Sr. VP
Michael Reed, Senior Vice President, Division President, Payments
Anthony Scarfone, Sr. VP, General Counsel and Secretary
Keith Bush, Chief Financial Officer, Senior Vice President
Amanda Parrilli, Senior Vice President, Strategy, Transformation and Business Development
Lee Schram, CEO and Director
Jane Elliott, Senior Vice President, Chief Communications and Human Resources Officer
William Cobb, Independent Director
Christopher Thomas, Senior Vice President Chief Revenue Officer
Victoria Treyger, Independent Director
Thomas Morabito, VP Relations
Scott Bomar, Chief Financial Officer, Senior Vice President
Paul Garcia, Independent Director
Jean Herrick, Senior Officer
Mary ODwyer, Independent Director
Neil Metviner, Independent Director
Martyn Redgrave, Independent Non-Executive Chairman of the Board
Ronald Baldwin, Independent Director
Cameron Potts, VP Officer
Tracey Engelhardt, Senior Vice President, Division President, Checks
John Filby, Sr. VP of Financial Services
Charles Haggerty, Independent Director
William Zint, Senior CFO
Debra Bradford, President Services

Deluxe Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Deluxe a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Pair Trading with Deluxe

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Deluxe position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Deluxe will appreciate offsetting losses from the drop in the long position's value.
The ability to find closely correlated positions to Deluxe could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Deluxe when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Deluxe - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Deluxe to buy it.
The correlation of Deluxe is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Deluxe moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Deluxe moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Deluxe can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Deluxe offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Deluxe's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Deluxe Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Deluxe Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Deluxe. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
For more information on how to buy Deluxe Stock please use our How to Invest in Deluxe guide.
You can also try the Bollinger Bands module to use Bollinger Bands indicator to analyze target price for a given investing horizon.

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When running Deluxe's price analysis, check to measure Deluxe's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Deluxe is operating at the current time. Most of Deluxe's value examination focuses on studying past and present price action to predict the probability of Deluxe's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Deluxe's price. Additionally, you may evaluate how the addition of Deluxe to your portfolios can decrease your overall portfolio volatility.
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Is Deluxe's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Deluxe. If investors know Deluxe will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Deluxe listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.23)
Dividend Share
1.2
Earnings Share
0.59
Revenue Per Share
50.335
Quarterly Revenue Growth
(0.05)
The market value of Deluxe is measured differently than its book value, which is the value of Deluxe that is recorded on the company's balance sheet. Investors also form their own opinion of Deluxe's value that differs from its market value or its book value, called intrinsic value, which is Deluxe's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Deluxe's market value can be influenced by many factors that don't directly affect Deluxe's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Deluxe's value and its price as these two are different measures arrived at by different means. Investors typically determine if Deluxe is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Deluxe's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.