Deluxe Corporation (DLX)vsOtter Tail Corporation (OTTR)
DLX
Deluxe Corporation
$22.92
-0.30%
INDUSTRIALS · Cap: $1.07B
OTTR
Otter Tail Corporation
$89.64
-0.92%
INDUSTRIALS · Cap: $3.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Deluxe Corporation generates 61% more annual revenue ($2.11B vs $1.32B). OTTR leads profitability with a 14.8% profit margin vs 4.8%. DLX appears more attractively valued with a PEG of 0.46. OTTR earns a higher WallStSmart Score of 59/100 (C).
DLX
Buy57
out of 100
Grade: C
OTTR
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+30.7%
Fair Value
$37.92
Current Price
$22.92
$15.00 discount
Intrinsic value data unavailable for OTTR.
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
Reasonable price relative to book value
Strong operational efficiency at 24.0%
Areas to Watch
Smaller company, higher risk/reward
4.8% margin — thin
Revenue declined 4.2%
Earnings declined 17.7%
Expensive relative to growth rate
0.4% revenue growth
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : DLX
The strongest argument for DLX centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.46 suggests the stock is reasonably priced for its growth.
Bull Case : OTTR
The strongest argument for OTTR centers on Price/Book, Operating Margin.
Bear Case : DLX
The primary concerns for DLX are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 2.07 is elevated, increasing financial risk. Thin 4.8% margins leave little buffer for downturns.
Bear Case : OTTR
The primary concerns for OTTR are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
DLX carries more volatility with a beta of 1.23 — expect wider price swings.
OTTR is growing revenue faster at 0.4% — sustainability is the question.
DLX generates stronger free cash flow (86M), providing more financial flexibility.
Monitor CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OTTR scores higher overall (59/100 vs 57/100). DLX offers better value entry with a 30.7% margin of safety. 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.
Otter Tail Corporation
INDUSTRIALS · CONGLOMERATES · USA
Otter Tail Corporation is engaged in electrical service, manufacturing and plastic piping businesses in the United States. The company is headquartered in Fergus Falls, Minnesota.
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