Puuilo Oyj
Sector unknown·PUUILO · Nasdaq Helsinki·Fiscal year to 31/01/2026
Exposure profile
Derived from what the company itself writes. Empty directions mean the report doesn't mention themes of that type.
In their own words
Grouped by theme, from the management review in the annual report. A · The company itself is a verbatim quote, B · From the report is without a verified quote.
Consumer spending
Macro
DriverPositive impact: strengthens
“The company’s long-term financial targets for the strategy period 2026 – 2030: • Growth: Net sales CAGR above 10% and net sales above €800 million by the end of financial year 2030 (ends in January 2031) • Profitability: Adjusted EBITA margin above 17% of net sales • Profit distribution: The company aims to distribute at least 80% of net income for each financial year • Leverage: Net debt to adjusted EBITDA below 2.5x Growth strategy Puuilo’s target is to continue strengthen its position as one of the leading discount retailers in Finland by utilising its key strengths: maintaining an attractive and wide product assortment, low prices and a convenient shopping experience.”
Annual report 2026A · The company itself
DriverPositive impact: strengthens
“Processes for engaging with consumers and end-users about impacts (S4-2) Consumer needs and preferences directly guide retail operations. These are interpreted through product sales and customer satisfaction.”
Annual report 2026A · The company itself
StrategyPositive impact: strengthens
“In line with its updated growth strategy, the company aims to open approximately 7 – 10 new stores in Finland per year and to continue to increase its like-for-like net sales by further increasing Puuilo’s brand awareness.”
Annual report 2026A · The company itself
Chains in: Inflation weakens
Chains out: this strengthens Retail, strengthens Hospitality and leisure, strengthens Premium consumers, strengthens Grocery retail and private label
Labour and wages
Raw materials and inputs
DriverPositive impact: strengthens
“The share of full-time employment contracts in the financial year 2025 was 75% (74%).”
Annual report 2026A · The company itself
DriverPositive impact: strengthens
“The turnover of permanent employees in 2025 was 12% (16%).”
Annual report 2026A · The company itself
StrategyPositive impact: strengthens
“Puuilo's material potential positive sustainability impacts on its own workforce include offering permanent employment contracts and high job satisfaction due to good working conditions.”
Annual report 2026A · The company itself
StrategyPositive impact: strengthens
“For this reason, employees are primarily offered full-time employment contracts.”
Annual report 2026A · The company itself
Cybersecurity (products and services)
Technology
DriverNegative impact: weakens
“Despite technical and administrative protective measures, Puuilo’s IT systems can be attacked. If the intrusion is not detected, it results in a data breach or denial of service.”
Annual report 2026A · The company itself
StrategyPositive impact: strengthens
“In 2025, systematic development of information security and data protection continued. Development measures focused on the protection of identities and devices, improvement of data protection-related processes and practices, enhancement of 24/7 monitoring and response capabilities, and ensuring business continuity.”
Annual report 2026A · The company itself
Chains in: Cyber attacks and IT security risk strengthens
Chains out: this strengthens Digitalisation
Agriculture and food production
End markets
Market
“The product assortment includes 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.”
Annual report 2026A · The company itself
Chains in: Grain and agricultural commodities mixed effect, Climate change and extreme weather weakens, Grocery retail and private label weakens
Cement and building materials
Raw materials and inputs
Market
“The product assortment includes 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.”
Annual report 2026A · The company itself
Chains in: Carbon tax and ETS prices weakens, Reconstruction of Ukraine strengthens
Circular economy and recycling
Regulation
StrategyPositive impact: strengthens
“In addition, suppliers and business partners are expected to proactively identify environmental impacts and to avoid harmful environmental effects, such as loss of biodiversity, challenges related to access to clean water, emissions to air, soil or water, and the use of virgin rare raw materials.”
Annual report 2026A · The company itself
Chains in: EU climate and energy policy strengthens
Construction
End markets
Market
“Puuilo is one of the leading discount retailers in Finland and it serves both consumers and B2B customers in the repair and maintenance as well as construction sector.”
Annual report 2026A · The company itself
Chains in: Interest rates weakens, Housing market strengthens, Public investment and infrastructure strengthens, Business cycle and GDP growth strengthens, Reconstruction of Ukraine strengthens
Consumer preference shifts
End markets
StrategyPositive impact: strengthens
“In addition, suppliers and business partners are expected to proactively identify environmental impacts and to avoid harmful environmental effects, such as loss of biodiversity, challenges related to access to clean water, emissions to air, soil or water, and the use of virgin rare raw materials.”
Annual report 2026A · The company itself
Chains out: this mixed effect Beer and beverages
Digitalisation
Technology
StrategyPositive impact: strengthens
“In line with its updated growth strategy, the company aims to open approximately 7 – 10 new stores in Finland per year and to continue to increase its like-for-like net sales by further increasing Puuilo’s brand awareness.”
Annual report 2026A · The company itself
Chains in: Cybersecurity (products and services) strengthens, Public investment and infrastructure strengthens
Chains out: this strengthens IT consulting and public-sector IT
E-commerce
Technology
Market
“In addition, customers are served through an online store.”
Annual report 2026A · The company itself
Plastics and polymers
Raw materials and inputs
Market
“The product assortment includes 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.”
Annual report 2026A · The company itself
Chains in: Oil strengthens
Premium consumers
End markets
Market
“Puuilo is one of the leading discount retailers in Finland and it serves both consumers and B2B customers in the repair and maintenance as well as construction sector.”
Annual report 2026A · The company itself
Chains in: Consumer spending strengthens
Retail
End markets
Market
“Puuilo is one of the leading discount retailers in Finland and it serves both consumers and B2B customers in the repair and maintenance as well as construction sector.”
Annual report 2026A · The company itself
Chains in: Consumer spending strengthens
SMEs
End markets
Market
“Puuilo is one of the leading discount retailers in Finland and it serves both consumers and B2B customers in the repair and maintenance as well as construction sector.”
Annual report 2026A · The company itself
Geopolitical uncertainty
Macro
DriverNegative impact: weakens
“The war in Ukraine and other geopolitical tensions have caused significant uncertainty in Europe and increased security policy tensions. The potential escalation of conflicts could lead to significant changes in the supplier environment, affecting Puuilo’s supply chains and increasing procurement costs.”
Annual report 2026A · The company itself
DriverNegative impact: weakens
“Puuilo requires a valid amfori BSCI audit or an equivalent audit from suppliers whose country of operation is classified as high‑risk in terms of the realisation of human rights. The classification is based on amfori’s country risk classification.”
Annual report 2026A · The company itself
Chains out: this strengthens Defence budgets, strengthens Energy security, strengthens Tariffs and trade policy, weakens Global trade volumes, strengthens Sea freight and freight rates, weakens Reconstruction of Ukraine
Electricity
Raw materials and inputs
InputNegative impact: weakens
“Changes in purchase power and customer behaviour Changes in purchase power and consumer behaviour may occur due to factors such as the general economic situation, confidence in the economy, employment rate, inflation, energy prices, and interest rates.”
Annual report 2026A · The company itself
Chains in: Data centres strengthens, Electrification strengthens
Chains out: this strengthens Power grid expansion
Employment
Macro
DriverNegative impact: weakens
“Changes in purchase power and customer behaviour Changes in purchase power and consumer behaviour may occur due to factors such as the general economic situation, confidence in the economy, employment rate, inflation, energy prices, and interest rates.”
Annual report 2026A · The company itself
Global trade volumes
Macro
DriverNegative impact: weakens
“The potential escalation of conflicts could lead to significant changes in the supplier environment, affecting Puuilo’s supply chains and increasing procurement costs.”
Annual report 2026A · The company itself
Chains in: Tariffs and trade policy weakens, Geopolitical uncertainty weakens, Business cycle and GDP growth strengthens
Chains out: this strengthens Shipping and logistics
Inflation
Macro
DriverNegative impact: weakens
“Changes in purchase power and customer behaviour Changes in purchase power and consumer behaviour may occur due to factors such as the general economic situation, confidence in the economy, employment rate, inflation, energy prices, and interest rates.”
Annual report 2026A · The company itself
Chains out: this weakens Consumer spending, strengthens Interest rates
Interest rates
Macro
DriverNegative impact: weakens
“Changes in purchase power and customer behaviour Changes in purchase power and consumer behaviour may occur due to factors such as the general economic situation, confidence in the economy, employment rate, inflation, energy prices, and interest rates.”
Annual report 2026A · The company itself
Chains in: Public debt and fiscal policy strengthens, Inflation strengthens
Chains out: this weakens Construction, weakens Real estate, weakens Wind power, weakens Housing market, weakens Office and commercial property, weakens Residential rental, weakens Residential construction
Climate change and extreme weather
Macro
DriverMixed impact: mixed
“Additionally, Puuilo’s net sales are partly impacted by exceptional, harsh, or seasonally atypical weather.”
Annual report 2026A · The company itself
Chains out: this weakens Agriculture and food production
Cyber attacks and IT security risk
Macro
DriverNegative impact: weakens
“In line with its sustainability strategy, Puuilo aims to ensure the quality and safety of the products it sells as well as the security of customer data.”
Annual report 2026A · The company itself
Chains out: this strengthens Cybersecurity (products and services)
Packaging
Raw materials and inputs
InputNegative impact: weakens
“Puuilo uses conventional packaging materials such as plastic wraps, cardboard, and paperboard for incoming goods and the transportation of products sold in the online store.”
Annual report 2026A · The company itself
Chains out: this weakens Beer and beverages
Shipping and logistics
End markets
DriverNegative impact: weakens
“Disruptions in the company's warehousing and logistics chain of suppliers or its own stores as well as possible strikes in the logistics sector may have an adverse effect on Puuilo's business, financial position, profit, and cash flows.”
Annual report 2026A · The company itself
Chains in: Carbon tax and ETS prices weakens, Global trade volumes strengthens, Fuel strengthens
Europe
Geography
Geography
“As part of its updated growth strategy, Puuilo will also begin international expansion by opening pilot stores in Sweden during the strategy period 2026 – 2030.”
Annual report 2026A · The company itself
Geography
“Around 80% of purchases are made domestically, while the remaining approximately 20% are sourced from other EU countries or Asia.”
Annual report 2026A · The company itself
Asia and emerging markets
Geography
Geography
“The target is to increase the share to 90% by 2028.”
Annual report 2026A · The company itself
Automation and robotics
Technology
DriverNegative impact: weakens
“Puuilo's growth and the introduction of new operating models and systems require continuous development of employee skills. In 2025, the objectives were to improve leadership and customer service, with training focused on: • Supervisors’ IT skills • Handling threatening situations related to substance abuse • Training related to the customer concept In 2025, a new competence development system was introduced to create online training content and to verify completion of annual mandatory training.”
Annual report 2026A · The company itself
Denmark
Geography
Geography
“Around 80% of purchases are made domestically, while the remaining approximately 20% are sourced from other EU countries or Asia.”
Annual report 2026A · The company itself
Precious metals
Raw materials and inputs
InputNegative impact: weakens
“The products mainly contain plastics, rubber, wood, and metals, some of which include critical raw materials and rare earth metals.”
Annual report 2026A · The company itself
Rare earths and critical raw materials
Raw materials and inputs
InputNegative impact: weakens
“The products mainly contain plastics, rubber, wood, and metals, some of which include critical raw materials and rare earth metals.”
Annual report 2026A · The company itself
Chains in: Wind power strengthens
Tariffs and trade policy
Macro
DriverNegative impact: weakens
“The ethical guidelines for procurement are incorporated into procurement agreements and apply to all of Puuilo’s purchases and to all countries in the supply chain.”
Annual report 2026A · The company itself
Chains in: Geopolitical uncertainty strengthens
Chains out: this weakens Global trade volumes
Competitors mentioned in the report
No named competitors in the report.
Financial figures
| Revenue latest fiscal year | 0.44 bn EUR |
| Revenue growth vs. the year before, same method | 15.4 % |
| EBITDA reported by the company | 0.1 bn EUR |
| Net debt debt incl. leasing minus cash | N/A |
| Diluted EPS per share | 0.66 EUR |
Source: annual report (ESEF) A. See the report
Criteria
| Profit | ✓ |
| Growing | ✓ |
| Healthy balance sheet | N/A |
Only the criteria that can be computed from financial statements on this page. The remaining criteria (such as price and dividend) need a share price and are in the analysis.
Figures are in the report's currency (EUR), not converted to DKK. Quotes are shown as the company's own words in the report's original language.