Puuilo Oyj (PUUILO) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Puuilo Oyj €19.56, price €17.50, upside +11.8%, quality 71 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €3.66 – €18.10 · fair‑value band €12.39 – €25.42 · the €17.50 price screens below the €19.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Puuilo Oyj operates a discount retail chain in Finland. The company offers products in the categories of building supplies, tools, HVAC and electrical accessories, pet food and supplies, car accessories, groceries, household products, garden supplies, free-time, and other accessories, as well as services.
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Puuilo Oyj operates a discount retail chain in Finland. The company offers products in the categories of building supplies, tools, HVAC and electrical accessories, pet food and supplies, car accessories, groceries, household products, garden supplies, free-time, and other accessories, as well as services. It sells its products through its retail chain and online stores. It serves consumers and B2B customers in the repair and maintenance, and construction sectors. Puuilo Oyj was founded in 1982 and is headquartered in Vantaa, Finland.
Stock analysis
Puuilo Oyj (PUUILO) currently trades at €17.50, while our model-based Fair Value estimate is €19.56, implying the stock looks roughly 10.5% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €17.12 per share, and 4 of the 26 models we run sit above the €17.50 price.
Bear case: the Economic Profit group reads lowest at €4.12, and 22 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: €12.39 (bear) to €25.42 (bull), the price of €17.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 71/100 (solid quality), in the Consumer Cyclical sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Puuilo Oyj reported revenue of €442M in FY2026 versus €270M in FY2022, a compound +13.1%/yr. Reported net income was €56.0M in FY2026, compounding +15.1%/yr from FY2022.
Key figures
Market cap €1.5B · P/E ratio 26.5 · P/S ratio 3.36 · EPS (TTM) €0.6600 · Dividend yield 3.1% · Net margin 12.7% · Return on equity 55.8% · Return on assets (EBIT) 21.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 56% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 1% fair-value upside, at 12%, PUUILO screens cheaper than that median.
Fair Value models
Bear €12.39Fair Value €19.56Bull €25.42
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 8 months old). Earnings retained since then (€0.0776 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.98/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Start year 2021 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+17.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.2%
Dividend (yield on the price)3.1%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 17%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+12.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+11.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +10.1% a year for the price and +9.2% for the forecasts.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Department Stores · 120 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside+12% · Above median
Profitability
Return on equity (TTM)56% · Top 25%
Return on assets16% · Top 25%
Net margin (TTM)13% · Top 25%
Operating margin (TTM)17% · Top 25%
Growth and dividend
Revenue growth16% · Top 25%
Dividend yield (TTM)3.1% · Above median
Balance sheet
Debt / equity0.71× · Highest 25%
Valuation Multiplesvs Department Stores median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Puuilo Oyj Fair Value". https://www.fairvalue-calculator.com/stock/PUUILO
Frequently asked questions
Is Puuilo Oyj (PUUILO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €19.56 versus a price of €17.50, about +12% upside (undervalued).
What is the fair value of PUUILO?
Our model-based fair value for Puuilo Oyj is €19.56 (as of Sep 24, 2026), built from audited fundamentals. The current price: €17.50.
What is the quality score of PUUILO?
Puuilo Oyj has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Puuilo Oyj (PUUILO)?
Our model-based price target is the fair value of €19.56 (as of Sep 24, 2026) from 26 valuation models. Cautious scenario €12.39, optimistic scenario €25.42. It is a calculation from audited fundamentals, not an analyst target.
What is the Puuilo Oyj stock forecast for 2026?
Our models put fair value at €19.56, about +12% upside versus a price of €17.50 (undervalued). Cautious scenario €12.39, optimistic scenario €25.42. The calculation is refreshed regularly with new filings.
What is the revenue of Puuilo Oyj (PUUILO)?
Puuilo Oyj reported trailing-twelve-month revenue of about €442M (latest available figure, as of Sep 24, 2026).
Does Puuilo Oyj pay a dividend?
Puuilo Oyj currently shows a dividend yield of about 3.09% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Puuilo Oyj (PUUILO)?
For today's price to be fair in a discounted-cash-flow model, Puuilo Oyj would have to grow free cash flow by +12.5 % per year for five years (discount rate 10.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PUUILO use?
Our models discount Puuilo Oyj at 10.2 %: a base by market capitalisation (small), damped by beta 0.59, country premium for Finland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Puuilo Oyj that is +12.5 % per year a year over ten years, using the same discount rate (10.2 %) and the same formula as our fair value.
How much growth has Puuilo Oyj (PUUILO) delivered so far?
Over the past 5 years revenue at Puuilo Oyj grew +13.1 % a year. The price currently implies +12.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Puuilo Oyj (PUUILO) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Puuilo Oyj (+12.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Puuilo Oyj (PUUILO)?
The free-cash-flow yield on the price is 4.68 %: that much free cash flow Puuilo Oyj produces per unit of market value. When it exceeds the discount rate of our models (10.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Puuilo Oyj (PUUILO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Puuilo Oyj it is €19.56 per share (as of Sep 24, 2026), against a price of €17.50. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Puuilo Oyj stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PUUILO trades below its calculated fair value: price €17.50, fair value €19.56, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PUUILO?
No. The price is what the market pays today (€17.50); the fair value is what the company's own numbers justify (€19.56). For Puuilo Oyj the two are €2.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is Puuilo Oyj worth?
The market values Puuilo Oyj at about €1.5B (market capitalisation, as of Sep 24, 2026). Per share that is €17.50; our models calculate a fair value of €19.56 per share.
What do the bullish and bearish scenarios say about PUUILO?
Our models span a range for Puuilo Oyj: cautious scenario €12.39, base €19.56, optimistic €25.42 per share (as of Sep 24, 2026, price €17.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PUUILO?
Puuilo Oyj trades at a price-to-earnings ratio of 26.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €19.56 is built from several models across several years. Other multiples: P/B 17.1, P/S 3.8, EV/EBITDA 21.6.
How solid is the balance sheet of Puuilo Oyj (PUUILO)?
Balance-sheet figures for Puuilo Oyj (as of Sep 24, 2026): return on equity 55.8%, debt of 0.71 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is PUUILO from its 52-week high?
Puuilo Oyj trades at €17.50, about 3% below its 52-week high of €18.10 and 56% above the low of €11.19 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €19.56 is for.
Which stocks are comparable to Puuilo Oyj?
From the same area (Consumer Cyclical) we also value Falabella S.A, Dillard's, Inc, 99 Speed Mart Retail Holdings, Cencosud S.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Puuilo Oyj stock attractive at the current price?
The data as of Sep 24, 2026: price €17.50, calculated fair value €19.56 (+12%), Quality Score 71/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PUUILO calculated?
We run Puuilo Oyj through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €19.56, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Puuilo Oyj currently trades 12 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Puuilo Oyj (PUUILO)?
The closing price on Sep 23, 2026 was €17.50. Our model-based fair value is €19.56, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Puuilo Oyj right now?
A fairly wide model range (€12.39 to €25.42) leaves room in how you read the outcome. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of Puuilo Oyj
How large is the market capitalisation of Puuilo Oyj (PUUILO)?
The market capitalisation of Puuilo Oyj is €1.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Puuilo Oyj (PUUILO)?
The price-to-sales ratio of Puuilo Oyj is 3.36 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Puuilo Oyj (PUUILO)?
Earnings per share at Puuilo Oyj are €0.6600 (price ÷ EPS = P/E 26.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Puuilo Oyj (PUUILO)?
The dividend yield of Puuilo Oyj is 3.1% (payout 81.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Puuilo Oyj (PUUILO)?
The net margin of Puuilo Oyj is 12.7% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Puuilo Oyj (PUUILO)?
The return on equity (ROE) of Puuilo Oyj is 55.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Puuilo Oyj (PUUILO)?
On an EBIT basis the return on assets of Puuilo Oyj is 21.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Puuilo Oyj (PUUILO)?
The operating margin of Puuilo Oyj is 17.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Puuilo Oyj (PUUILO)?
Revenue at Puuilo Oyj is growing +15.6% versus a year earlier (3y avg +14.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Puuilo Oyj (PUUILO)?
Earnings per share at Puuilo Oyj are growing +13.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Puuilo Oyj (PUUILO) carry?
The net debt of Puuilo Oyj is €130M (fiscal year 2026, ≈ 1.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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