PUUILO Stock Analysis: Puuilo | HE
Department Stores | HE, Finland | Market Cap: 1.502m EUR | 12M Return: 44.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.02M
EPS Trend: 98.4%
Qual. Beats: 1
Rev. Trend: 72.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Puuilo Oyj is a Finnish discount retailer offering a wide assortment of products across categories that include building supplies, tools, HVAC and electrical accessories, pet food and supplies, car accessories, groceries, household products, garden supplies, and free-time goods, along with related services. The company sells through both its physical retail chain and online stores, serving individual consumers as well as B2B customers in the repair, maintenance, and construction sectors.
Discount retailers such as Puuilo generally operate on a high-volume, low-margin model, relying on streamlined logistics, efficient store operations, and broad multi-category assortments to compete with both single-category specialists and general merchandise chains.
Founded in 1982 and headquartered in Vantaa, Finland, Puuilo is listed on the Helsinki Stock Exchange under the ticker PUUILO and is classified within the GICS Consumer Discretionary sector, under the Department Stores sub-industry.
- New store openings accelerate network expansion and revenue growth
- Finnish housing market weakness pressures building supplies demand
- Competition from Tokmanni intensifies pricing pressure on margins
| Net Income: 80.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA 4.51 > 1.0 |
| NWC/Revenue: 15.99% < 20% (prev 18.45%; Δ -2.46% < -1%) |
| CFO/TA 0.24 > 3% & CFO 74.9m > Net Income 80.5m |
| Net Debt (223.9m) to EBITDA (131.8m): 1.70 < 3 |
| Current Ratio: 2.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (84.8m) vs 12m ago -0.03% < -2% |
| Gross Margin: 28.34% > 18% (prev 30.86%; Δ -2.53% > 0.5%) |
| Asset Turnover: 211.0% > 50% (prev 163.3%; Δ 47.70% > 0%) |
| Interest Coverage Ratio: 10.80 > 6 (EBIT TTM 108.5m / Interest Expense TTM 10.1m) |
| A: 0.32 (Total Current Assets 168.0m - Total Current Liabilities 67.2m) / Total Assets 316.7m |
| B: 0.22 (Retained Earnings 69.8m / Total Assets 316.7m) |
| C: 0.36 (EBIT TTM 108.5m / Avg Total Assets 298.8m) |
| D: 0.45 (Book Value of Equity 98.9m / Total Liabilities 217.8m) |
| Altman-Z'' = 5.72 = AAA |
| DSRI: 1.45 (Receivables 11.8m/5.90m, Revenue 630.3m/458.5m) |
| GMI: 1.09 (GM 30.86% / 28.34%) |
| AQI: 0.85 (AQ_t 0.15 / AQ_t-1 0.18) |
| SGI: 1.37 (Revenue 630.3m / 458.5m) |
| TATA: 0.02 (NI 80.5m - CFO 74.9m) / TA 316.7m) |
| Beneish M = -2.39 (Cap -4..+1) = BBB |
As of July 06, 2026, the stock is trading at EUR 18.06 with a total of 251,908 shares traded. Over the past week, the price has changed by +2.61%, over one month by +28.63%, over three months by +46.20% and over the past year by +44.42%.
Current recommended Stop Loss: 17.50 (which is 3.1% or 1.2 ATR below the current price).
Puuilo has no consensus analysts rating.
P/E Trailing = 27.0606
P/S = 3.3962
P/B = 15.1204
Revenue TTM = 630.3m EUR
EBIT TTM = 108.5m EUR
EBITDA TTM = 131.8m EUR
Long Term Debt = 69.9m EUR (from longTermDebt, last quarter)
Short Term Debt = 16.2m EUR (from shortTermDebt, last quarter)
Debt = 256.9m EUR (from shortLongTermDebtTotal, last quarter) + Leases 93.5m
Net Debt = 223.9m EUR (calculated: Debt 256.9m - CCE 33.0m)
Enterprise Value = 1.73b EUR (1.50b + Debt 256.9m - CCE 33.0m)
Interest Coverage Ratio = 10.80 (Ebit TTM 108.5m / Interest Expense TTM 10.1m)
EV/FCF = 24.84x (Enterprise Value 1.73b / FCF TTM 69.5m)
FCF Yield = 4.03% (FCF TTM 69.5m / Enterprise Value 1.73b)
FCF Margin = 11.03% (FCF TTM 69.5m / Revenue TTM 630.3m)
Net Margin = 12.77% (Net Income TTM 80.5m / Revenue TTM 630.3m)
Gross Margin = 28.34% ((Revenue TTM 630.3m - Cost of Revenue TTM 451.7m) / Revenue TTM)
Gross Margin QoQ = 23.15% (prev 37.73%)
Tobins Q-Ratio = 5.45 (Enterprise Value 1.73b / Total Assets 316.7m)
Interest Expense / Debt = 3.91% (Interest Expense 10.1m / Debt 256.9m)
Taxrate = 19.72% (19.8m / 100.4m)
NOPAT = 87.1m (EBIT 108.5m * (1 - 19.72%))
Current Ratio = 2.50 (Total Current Assets 168.0m / Total Current Liabilities 67.2m)
Debt / Equity = 2.60 (Debt 256.9m / totalStockholderEquity, last quarter 98.9m)
Debt / EBITDA = 1.70 (Net Debt 223.9m / EBITDA 131.8m)
Debt / FCF = 3.22 (Net Debt 223.9m / FCF TTM 69.5m)
Total Stockholder Equity = 85.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 26.95% (Net Income 80.5m / Total Assets 316.7m)
RoE = 94.35% (Net Income TTM 80.5m / Total Stockholder Equity 85.3m)
RoCE = 69.90% (EBIT 108.5m / Capital Employed (Equity 85.3m + L.T.Debt 69.9m))
RoIC = 37.19% (NOPAT 87.1m / Invested Capital 234.2m)
WACC = 6.13% (E(1.50b)/V(1.76b) * Re(6.64%) + D(256.9m)/V(1.76b) * Rd(3.91%) * (1-Tc(0.20)))
Discount Rate = 6.64% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.86 | Cagr: 0.33%
[DCF] Terminal Value 77.97% ; FCFF base≈61.3m ; Y1≈70.2m ; Y5≈103.4m
[DCF] Fair Price = 15.84 (EV 1.56b - Net Debt 223.9m = Equity 1.33b / Shares 84.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.42 | EPS CAGR: 19.77% | SUE: 3.59 | # QB: 1
Revenue Correlation: 72.20 | Revenue CAGR: 8.58% | SUE: -0.01 | # QB: 0
EPS current Quarter (2026-07-31): EPS=0.29 | Chg30d=N/A | Revisions=+0% | Analysts=3
EPS next Quarter (2026-10-31): EPS=0.22 | Chg30d=-2.96% | Revisions=+0% | Analysts=3
EPS current Year (2027-01-31): EPS=0.81 | Chg30d=+8.03% | Revisions=+0% | GrowthEPS=+21.3% | GrowthRev=+14.4%
EPS next Year (2028-01-31): EPS=0.91 | Chg30d=+6.74% | Revisions=+40% | GrowthEPS=+12.7% | GrowthRev=+12.9%
[Analyst] Revisions Ratio: +29% (up=3, down=1)