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Side-by-side financial comparison of DELUXE CORP (DLX) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
DELUXE CORP is the larger business by last-quarter revenue ($535.2M vs $324.0M, roughly 1.7× TEXAS CAPITAL BANCSHARES INC). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 2.2%, a 20.5% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs 2.8%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs 0.0%).
Deluxe Corporation is an American company that provides payment processing, data services, checks and promotional products, and merchant services. It operates in four divisions: B2B payments, data, print, and merchant services. As of 2025, the company serves millions of small businesses and thousands of financial institutions, processing more than $2.8 trillion in payments annually. While its legacy business centers on check printing and other printed products, payments and data services now ...
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
DLX vs TCBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $535.2M | $324.0M |
| Net Profit | $12.0M | $73.8M |
| Gross Margin | 52.2% | — |
| Operating Margin | 8.9% | — |
| Net Margin | 2.2% | 22.8% |
| Revenue YoY | 2.8% | 15.5% |
| Net Profit YoY | -5.0% | 56.8% |
| EPS (diluted) | $0.25 | $1.56 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $324.0M | ||
| Q4 25 | $535.2M | $327.5M | ||
| Q3 25 | $540.2M | $340.4M | ||
| Q2 25 | $521.3M | $307.5M | ||
| Q1 25 | $536.5M | $280.5M | ||
| Q4 24 | $520.6M | $229.6M | ||
| Q3 24 | $528.4M | $125.3M | ||
| Q2 24 | $537.8M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $12.0M | $100.7M | ||
| Q3 25 | $33.7M | $105.2M | ||
| Q2 25 | $22.4M | $77.3M | ||
| Q1 25 | $14.0M | $47.0M | ||
| Q4 24 | $12.6M | $71.0M | ||
| Q3 24 | $8.9M | $-61.3M | ||
| Q2 24 | $20.5M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | 52.2% | — | ||
| Q3 25 | 53.9% | — | ||
| Q2 25 | 53.6% | — | ||
| Q1 25 | 52.4% | — | ||
| Q4 24 | 52.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 53.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 8.9% | 40.4% | ||
| Q3 25 | 14.0% | 40.5% | ||
| Q2 25 | 11.7% | 33.2% | ||
| Q1 25 | 9.0% | 21.6% | ||
| Q4 24 | 9.0% | 40.7% | ||
| Q3 24 | 7.9% | -63.8% | ||
| Q2 24 | 11.0% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | 2.2% | 30.7% | ||
| Q3 25 | 6.2% | 30.9% | ||
| Q2 25 | 4.3% | 25.2% | ||
| Q1 25 | 2.6% | 16.8% | ||
| Q4 24 | 2.4% | 30.9% | ||
| Q3 24 | 1.7% | -48.9% | ||
| Q2 24 | 3.8% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $0.25 | $2.11 | ||
| Q3 25 | $0.74 | $2.18 | ||
| Q2 25 | $0.50 | $1.58 | ||
| Q1 25 | $0.31 | $0.92 | ||
| Q4 24 | $0.28 | $1.43 | ||
| Q3 24 | $0.20 | $-1.41 | ||
| Q2 24 | $0.46 | $0.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $36.9M | — |
| Total DebtLower is stronger | — | $878.3M |
| Stockholders' EquityBook value | $680.7M | $3.6B |
| Total Assets | $2.9B | $33.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $36.9M | — | ||
| Q3 25 | $25.8M | — | ||
| Q2 25 | $26.0M | — | ||
| Q1 25 | $30.3M | — | ||
| Q4 24 | $34.4M | — | ||
| Q3 24 | $41.3M | — | ||
| Q2 24 | $23.1M | — |
| Q1 26 | — | $878.3M | ||
| Q4 25 | — | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | — | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $680.7M | $3.6B | ||
| Q3 25 | $664.1M | $3.6B | ||
| Q2 25 | $638.7M | $3.5B | ||
| Q1 25 | $622.5M | $3.4B | ||
| Q4 24 | $620.9M | $3.4B | ||
| Q3 24 | $612.7M | $3.4B | ||
| Q2 24 | $620.5M | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $2.9B | $31.5B | ||
| Q3 25 | $2.6B | $32.5B | ||
| Q2 25 | $2.5B | $31.9B | ||
| Q1 25 | $2.6B | $31.4B | ||
| Q4 24 | $2.8B | $30.7B | ||
| Q3 24 | $2.6B | $31.6B | ||
| Q2 24 | $2.7B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $102.1M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 8.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $102.1M | $360.2M | ||
| Q3 25 | $67.1M | $166.3M | ||
| Q2 25 | $51.1M | $63.0M | ||
| Q1 25 | $50.3M | $368.0K | ||
| Q4 24 | $60.2M | $480.1M | ||
| Q3 24 | $67.9M | $332.8M | ||
| Q2 24 | $39.6M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $347.6M | ||
| Q3 25 | — | $161.3M | ||
| Q2 25 | $27.8M | $57.5M | ||
| Q1 25 | $24.3M | $-2.0M | ||
| Q4 24 | — | $415.2M | ||
| Q3 24 | $46.7M | $317.6M | ||
| Q2 24 | $11.4M | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 106.1% | ||
| Q3 25 | — | 47.4% | ||
| Q2 25 | 5.3% | 18.7% | ||
| Q1 25 | 4.5% | -0.7% | ||
| Q4 24 | — | 180.9% | ||
| Q3 24 | 8.8% | 253.4% | ||
| Q2 24 | 2.1% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | 4.5% | 1.8% | ||
| Q1 25 | 4.8% | 0.9% | ||
| Q4 24 | — | 28.2% | ||
| Q3 24 | 4.0% | 12.1% | ||
| Q2 24 | 5.2% | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | 8.53× | 3.58× | ||
| Q3 25 | 1.99× | 1.58× | ||
| Q2 25 | 2.28× | 0.81× | ||
| Q1 25 | 3.59× | 0.01× | ||
| Q4 24 | 4.77× | 6.76× | ||
| Q3 24 | 7.60× | — | ||
| Q2 24 | 1.94× | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLX
| Services | $247.9M | 46% |
| B2B Payments | $76.3M | 14% |
| Datadrivenmarketingsolutions | $68.5M | 13% |
| Promotional Solutions Revenue | $60.9M | 11% |
| Treasurymanagementsolutions | $59.8M | 11% |
| Other | $17.3M | 3% |
| Other Web Based Solutions | $4.6M | 1% |
TCBI
Segment breakdown not available.
