Deluxe Corporation (DLX)vs3M Company (MMM)
DLX
Deluxe Corporation
$25.96
-0.99%
INDUSTRIALS · Cap: $1.18B
MMM
3M Company
$141.20
-1.06%
INDUSTRIALS · Cap: $74.37B
Smart Verdict
WallStSmart Research — data-driven comparison
3M Company generates 1070% more annual revenue ($24.95B vs $2.13B). MMM leads profitability with a 13.0% profit margin vs 3.9%. DLX appears more attractively valued with a PEG of 0.55. DLX earns a higher WallStSmart Score of 55/100 (C-).
DLX
Buy55
out of 100
Grade: C-
MMM
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-114.6%
Fair Value
$12.24
Current Price
$25.96
$13.72 premium
Margin of Safety
-323.6%
Fair Value
$40.80
Current Price
$141.20
$100.40 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 76 in profit
Large-cap with strong market position
Generating 1.3B in free cash flow
Areas to Watch
2.8% revenue growth
Smaller company, higher risk/reward
3.9% margin — thin
Earnings declined 7.0%
Trading at 15.9x book value
2.0% revenue growth
Earnings declined 19.9%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : DLX
The strongest argument for DLX centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.55 suggests the stock is reasonably priced for its growth.
Bull Case : MMM
The strongest argument for MMM centers on Return on Equity, Market Cap, Free Cash Flow. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bear Case : DLX
The primary concerns for DLX are Revenue Growth, Market Cap, Profit Margin. Thin 3.9% margins leave little buffer for downturns.
Bear Case : MMM
The primary concerns for MMM are Price/Book, Revenue Growth, EPS Growth. Debt-to-equity of 2.75 is elevated, increasing financial risk.
Key Dynamics to Monitor
DLX carries more volatility with a beta of 1.35 — expect wider price swings.
DLX is growing revenue faster at 2.8% — sustainability is the question.
MMM generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
DLX scores higher overall (55/100 vs 54/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Deluxe Corporation
INDUSTRIALS · CONGLOMERATES · USA
Deluxe Corporation provides technology-based solutions for small businesses and financial institutions in the United States, Canada, Australia, South America, and Europe. The company is headquartered in Shoreview, Minnesota.
3M Company
INDUSTRIALS · CONGLOMERATES · USA
The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.
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