Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Puuilo Oyj is a Finnish discount retail chain specializing in DIY and home improvement products. Founded in 1982 in Puolanka as a small carpentry workshop, it evolved from mobile hardware sales via buses to permanent stores, opening its first in Kajaani in 1998. The company offers a broad assortment including building supplies, tools, HVAC and electrical accessories, pet food, car accessories, groceries, household and garden products, leisure items, and related services, all at competitive low prices. Puuilo Oyj operates over 50 standardized stores across Finland, typically in retail parks with ample parking, alongside a robust online store supporting its multichannel model. It serves both consumers and B2B customers in repair, maintenance, and construction sectors, positioning it as a leading player in Finland's discount retail market by turnover. Listed on Nasdaq Helsinki since its oversubscribed 2021 IPO, Puuilo pursues aggressive growth, targeting 7-10 new stores annually and expansion into Sweden, aiming for over 100 stores by 2030. Headquartered in Vantaa, it emphasizes convenient shopping, wide selection, and efficiency.
€17.82
+€0.14 (+0.79%)
EOD Jul 2, 2026
16.89% operating margin is respectable but not wide. ROIC at 24.11%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 15.4%, still solid.
At 27x earnings, the current multiple leaves limited room for execution misses or growth deceleration.
27.0x earnings, 21.7x FCF. Not cheap, the quality is already reflected in the price. Upside from here requires either margin expansion or growth re-acceleration, not just continuation.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€442M
▲ +15.4% YoY
Net Income (TTM)
€56M
▲ +16.9% YoY
Op. Margin
16.89%
ROIC
24.11%
▲ +0.7pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
€69M
▲ +64.5% YoY
Op. Cash Flow (TTM)
€75M
▲ +59.2% YoY
Net Debt
€130M
Cash & Equiv.
€33M
3Y CAGR: +14.3%
3Y CAGR: +13.1%
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At a P/E of 27.0 and a price-to-free-cash-flow of 21.7, Puuilo Oyj (PUUILO.XHEL) trades below a two-stage DCF intrinsic value of about €39.82 per share, so at €17.82 the stock looks undervalued (123.4% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Puuilo Oyj scores 84/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €39.82 per share for PUUILO.XHEL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €29.86. At today's €17.82, that puts the stock about 123.4% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Puuilo Oyj scores 84 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 16.9% operating margin and a 24.1% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Puuilo Oyj pays a regular dividend of about €0.70 per share per year (typically in quarterly installments), a yield of roughly 3.9% at the current price. That is a payout ratio of about 105.4% of earnings, so the dividend is stretched at this level. Puuilo Oyj has grown the dividend at roughly 32.4% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For PUUILO.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. PUUILO.XHEL currently trades below its estimated intrinsic value and scores 84/100 on quality (high-quality). It also yields about 3.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.