DELUXE CORP
28b7250e5f7a476f918c89c7eb4012f4
PRODUCTION_VERIFIED schema v3.0.0 Inferred last heartbeat: 2026-07-26T17:42:35.845550+00:00

Business Model Classification Tokens

contract_cycle_length
null
Inferred
Pending — BM Dev Shop classification run
enterprise_sales_motion
null
Inferred
Pending — BM Dev Shop classification run
procurement_complexity
null
Inferred
Pending — BM Dev Shop classification run
vendor_lock_coefficient
null
Inferred
Pending — BM Dev Shop classification run
billing_cadence
null
Inferred
Pending — BM Dev Shop classification run
churn_rate_benchmark
null
Inferred
Pending — BM Dev Shop classification run
annual_recurring_revenue_ratio
null
Inferred
Pending — BM Dev Shop classification run
free_trial_conversion_rate
null
Inferred
Pending — BM Dev Shop classification run
subscriber_ltv_model
null
Inferred
Pending — BM Dev Shop classification run
bundle_discount_depth
null
Inferred
Pending — BM Dev Shop classification run
cross_sell_attach_rate
null
Inferred
Pending — BM Dev Shop classification run
bundle_churn_vs_single_churn
null
Inferred
Pending — BM Dev Shop classification run
bundle_margin_blended
null
Inferred
Pending — BM Dev Shop classification run
upsell_pathway_architecture
null
Inferred
Pending — BM Dev Shop classification run
consumption_unit_definition
null
Inferred
Pending — BM Dev Shop classification run
usage_billing_granularity
null
Inferred
Pending — BM Dev Shop classification run
overage_penalty_structure
null
Inferred
Pending — BM Dev Shop classification run
minimum_commitment_floor
null
Inferred
Pending — BM Dev Shop classification run
metered_margin_profile
null
Inferred
Pending — BM Dev Shop classification run

Business Model Archetype Classification

University of St. Gallen — 55 Business Model Navigator (Gassmann et al.)

SG-049 Subscription VALUE High
Direct: monetization_vector contains [Dual vector: subscription SaaS fees for Fintech/cloud platforms plus per-unit transaction fees and per-order print revenue — blended recurring and volume-based]; revenue_model_type=Approximately 70-75% recurring (SaaS subscriptions, multi-year print contracts, payment processing retainers); ~25-30% transactional (one-time orders, project fees)
SG-009
Customer Loyalty
WHO High
SG-014
Flat Rate
VALUE High
SG-037
Product as a Service
VALUE High
SG-036
Product to Capability
WHAT High
SG-010
Digitization
WHAT High
SG-025
Long Tail
WHAT High

Hybrid Combination

Subscription (SG-049) VALUE provides the core structure, combined with Customer Loyalty (SG-009) + Flat Rate (SG-014) + Product as a Service (SG-037) to form the complete business model fingerprint.

55 Archetypes Evaluated High: 10 Medium: 14 Registry: schemas/sg55_archetype_registry.yaml

Knowledge Graph — All Sections

debt_leverage_profile
1.50x Total Debt / Equity (Elevated leverage)
High
SEC-XBRL
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0000027996-26-000037
geopolitical_supply_exposure
Medium intensity; China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
supply_chain_dependency
Moderate
Medium
SEC-10K 0000027996-26-000037
international_expansion_readiness
Low
Medium
SEC-10K 0000027996-26-000037
geographic_footprint
Domestic-focused (North America)
Medium
SEC-10K 0000027996-26-000037
commodity_exposure_profile
Medium intensity; commodities: steel, aluminum, petrochemical resins/plastics, copper, lithium and battery-grade materials (nickel, graphite), lumber, cotton; geopolitical: China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
vendor_lock_dependency_score
Moderate
Medium
SEC-10K 0000027996-26-000037
business_model_type_primary
SaaS / Payment Processor / Service Provider
Medium
SEC-10K 0000027996-26-000037
business_model_type_secondary
Data Broker / Marketing Services Provider
Medium
SEC-10K 0000027996-26-000037
switching_cost_profile
Moderate
Medium
SEC-10K 0000027996-26-000037
howey_test_risk_index
Low
Medium
SEC-10K 0000027996-26-000037
regulatory_burden_tier
Medium
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
High
Medium
SEC-10K 0000027996-26-000037
antitrust_exposure_flag
No
Medium
SEC-10K 0000027996-26-000037
regulatory_exposure_profile
Medium burden; regimes: FTC, CPSC, NLRB, CFPB, GDPR, SEC; Evolving consumer protection and data-privacy rules squeeze retail margins.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
Transactional / Subscription hybrid
Medium
SEC-10K 0000027996-26-000037
monetization_vector
Per-transaction / Recurring fees
Medium
SEC-10K 0000027996-26-000037
pricing_architecture
Tiered / Transactional / Negotiated
Medium
SEC-10K 0000027996-26-000037
pricing_power_rating
Moderate
Medium
SEC-10K 0000027996-26-000037
target_gross_margin_bracket
52.8% Gross Margin (Strong (40-60%))
High
SEC-XBRL
churn_vulnerability_index
Moderate
Medium
SEC-10K 0000027996-26-000037
headcount_cost_structure
36.5% OpEx / Revenue (High Cost Structure)
High
SEC-XBRL
marginal_cost_of_growth
Sublinear
Medium
SEC-10K 0000027996-26-000037
franchise_compliance_risk
No franchise network; operates direct B2B model — franchise compliance drift risk is null
Inferred
Agent_Inference
customer_acquisition_metric
Multi-channel: Direct sales, partner referrals, digital marketing
Medium
SEC-10K 0000027996-26-000037
network_effect_present
Partial
Medium
SEC-10K 0000027996-26-000037
asset_efficiency_ratio
4.2% Return on Assets (Excellent)
High
SEC-XBRL
recession_resistance_tier
Mixed
Medium
SEC-10K 0000027996-26-000037
customer_segment_primary
SMB / Enterprise
Medium
SEC-10K 0000027996-26-000037
customer_segment_secondary
Government / Institutional
Medium
SEC-10K 0000027996-26-000037
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "25-0000 Educational Instruction and Library Occupations", "27-0000 Arts, Design, Entertainment, Sports, and Media Occupations", "35-0000 Food Preparation and Serving Related Occupations", "39-0000 Personal Care and Service Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "49-0000 Installation, Maintenance, and Repair Occupations", "51-0000 Production Occupations", "53-0000 Transportation and Material Moving Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.22 (HIL — ~22% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
capital_expenditure_profile
4.5% CapEx / Revenue (Low-CapEx Asset-Light)
High
SEC-XBRL
sec_cik
0000027996
High
SEC-EDGAR
ticker
DLX
High
SEC-EDGAR
Filings_Dog_Scope
antitrust_exposure_flag,business_model_type_primary,business_model_type_secondary,churn_vulnerability_index,customer_acquisition_metric,customer_segment_primary,customer_segment_secondary,data_sovereignty_risk,franchise_compliance_risk,geographic_footprint,geopolitical_supply_exposure,headcount_cost_structure,howey_test_risk_index,interest_rate_sensitivity,international_expansion_readiness,marginal_cost_of_growth,monetization_vector,network_effect_present,pricing_architecture,pricing_power_rating,recession_resistance_tier,regulatory_burden_tier,revenue_model_type,supply_chain_dependency,switching_cost_profile,vendor_lock_dependency_score
High
SEC-10K 0000027996-26-000037

Business Model Components

Core Space

> *Pending Turn 2 — Business Model Type Agent population.*

Interaction Modes

> *Pending Turn 2 — Business Model Type Agent population.*

Product Matrix

> *Pending Turn 2 — Business Model Type Agent population.*

Historical Evolution Log

Live Operational Signals

Signal DateSignal TypeSummary
Source

Evaluation Gate — Persona Stress Tests

SKILL_BUFFETT_VAL_03PASS2026-07-26no unmet atoms among this persona's authored questions
SKILL_LEGAL_SEC_01PASS2026-07-26no unmet atoms among this persona's authored questions
SKILL_SHORT_BEAR_01PASS2026-07-26no unmet atoms among this persona's authored questions
SKILL_MACRO_STRAT_01PASS2026-07-26no unmet atoms among this persona's authored questions
SKILL_OPS_PARTNER_01PASS2026-07-26no unmet atoms among this persona's authored questions

Live Status

No Live Status block found.