TORRID HOLDINGS INC (CURV) Stock Fundamental Analysis
NYSE:CURV - New York Stock Exchange, Inc. - US89142B1070 - Common Stock - Currency: USD
Overall CURV gets a fundamental rating of 4 out of 10. We evaluated CURV against 121 industry peers in the Specialty Retail industry. CURV has a medium profitability rating, but doesn't score so well on its financial health evaluation. CURV is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CURV had positive earnings in the past year.
CURV had a positive operating cash flow in the past year.
CURV had positive earnings in 4 of the past 5 years.
CURV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CURV has a Return On Assets (2.23%) which is in line with its industry peers.
CURV's Return On Invested Capital of 14.50% is amongst the best of the industry. CURV outperforms 84.30% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CURV is significantly above the industry average of 13.07%.
The last Return On Invested Capital (14.50%) for CURV is well below the 3 year average (19.24%), which needs to be investigated, but indicates that CURV had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.23% | ||
| ROE | N/A | ||
| ROIC | 14.5% |
ROA(3y)5.1%
ROA(5y)2.78%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)19.24%
ROIC(5y)15.7%
1.3 Margins
Looking at the Profit Margin, with a value of 0.93%, CURV is in line with its industry, outperforming 56.20% of the companies in the same industry.
In the last couple of years the Profit Margin of CURV has declined.
With a decent Operating Margin value of 4.32%, CURV is doing good in the industry, outperforming 62.81% of the companies in the same industry.
CURV's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 36.65%, CURV is in line with its industry, outperforming 52.07% of the companies in the same industry.
In the last couple of years the Gross Margin of CURV has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.32% | ||
| PM (TTM) | 0.93% | ||
| GM | 36.65% |
OM growth 3Y13.99%
OM growth 5Y-6.94%
PM growth 3YN/A
PM growth 5Y-18.22%
GM growth 3Y-3.3%
GM growth 5Y-0.39%
2. Health
2.1 Basic Checks
CURV has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, CURV has more shares outstanding
Compared to 5 years ago, CURV has less shares outstanding
The debt/assets ratio for CURV has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.94 indicates that CURV is not a great score, but indicates only limited risk for bankruptcy at the moment.
CURV has a Altman-Z score (1.94) which is comparable to the rest of the industry.
CURV has a debt to FCF ratio of 13.40. This is a negative value and a sign of low solvency as CURV would need 13.40 years to pay back of all of its debts.
CURV has a Debt to FCF ratio of 13.40. This is comparable to the rest of the industry: CURV outperforms 53.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | 1.94 |
ROIC/WACC1.38
WACC10.5%
2.3 Liquidity
CURV has a Current Ratio of 0.87. This is a bad value and indicates that CURV is not financially healthy enough and could expect problems in meeting its short term obligations.
CURV has a worse Current ratio (0.87) than 80.17% of its industry peers.
A Quick Ratio of 0.23 indicates that CURV may have some problems paying its short term obligations.
With a Quick ratio value of 0.23, CURV is not doing good in the industry: 84.30% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.23 |
3. Growth
3.1 Past
The earnings per share for CURV have decreased by -9.09% in the last year.
CURV shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.48% yearly.
The Revenue has decreased by -4.21% in the past year.
Measured over the past years, CURV shows a small growth in Revenue. The Revenue has been growing by 1.26% on average per year.
EPS 1Y (TTM)-9.09%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-50%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-4.93%
3.2 Future
The Earnings Per Share is expected to grow by 11.94% on average over the next years. This is quite good.
Based on estimates for the next years, CURV will show a decrease in Revenue. The Revenue will decrease by -2.35% on average per year.
EPS Next Y-17.12%
EPS Next 2Y9.48%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue Next Year-5.98%
Revenue Next 2Y-3.78%
Revenue Next 3Y-2.35%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 29.25, which means the current valuation is very expensive for CURV.
CURV's Price/Earnings is on the same level as the industry average.
CURV is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 15.25, the valuation of CURV can be described as correct.
67.77% of the companies in the same industry are more expensive than CURV, based on the Price/Forward Earnings ratio.
CURV is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.25 | ||
| Fwd PE | 15.25 |
4.2 Price Multiples
CURV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CURV is cheaper than 76.86% of the companies in the same industry.
CURV's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CURV is cheaper than 77.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.07 | ||
| EV/EBITDA | 6.52 |
4.3 Compensation for Growth
CURV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.48%
EPS Next 3Y11.94%
5. Dividend
5.1 Amount
CURV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CURV (7/3/2025, 12:27:01 PM)
2.925
+0.17 (+5.98%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners14.96%
Inst Owner Change2.19%
Ins Owners7.42%
Ins Owner Change0.25%
Market Cap307.10M
Analysts54.55
Price Target5.3 (81.2%)
Short Float %11.19%
Short Ratio5.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)36.76%
Min EPS beat(2)22.55%
Max EPS beat(2)50.98%
EPS beat(4)3
Avg EPS beat(4)-13.91%
Min EPS beat(4)-129.71%
Max EPS beat(4)50.98%
EPS beat(8)6
Avg EPS beat(8)6.04%
EPS beat(12)7
Avg EPS beat(12)2.77%
EPS beat(16)11
Avg EPS beat(16)11.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-2.54%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-3.05%
Min Revenue beat(4)-9.52%
Max Revenue beat(4)2.08%
Revenue beat(8)3
Avg Revenue beat(8)-0.21%
Revenue beat(12)5
Avg Revenue beat(12)-0.22%
Revenue beat(16)8
Avg Revenue beat(16)0.91%
PT rev (1m)-2.99%
PT rev (3m)8.33%
EPS NQ rev (1m)-68.29%
EPS NQ rev (3m)-74.51%
EPS NY rev (1m)-4.88%
EPS NY rev (3m)-44.92%
Revenue NQ rev (1m)-7.32%
Revenue NQ rev (3m)-9.02%
Revenue NY rev (1m)-5.05%
Revenue NY rev (3m)-6.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.25 | ||
| Fwd PE | 15.25 | ||
| P/S | 0.28 | ||
| P/FCF | 14.07 | ||
| P/OCF | 9.67 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.52 |
EPS(TTM)0.1
EY3.42%
EPS(NY)0.19
Fwd EY6.56%
FCF(TTM)0.21
FCFY7.11%
OCF(TTM)0.3
OCFY10.34%
SpS10.38
BVpS-1.75
TBVpS-1.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.23% | ||
| ROE | N/A | ||
| ROCE | 21.47% | ||
| ROIC | 14.5% | ||
| ROICexc | 16.19% | ||
| ROICexgc | 16.89% | ||
| OM | 4.32% | ||
| PM (TTM) | 0.93% | ||
| GM | 36.65% | ||
| FCFM | 2% |
ROA(3y)5.1%
ROA(5y)2.78%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)19.24%
ROIC(5y)15.7%
ROICexc(3y)21.41%
ROICexc(5y)18.14%
ROICexgc(3y)22.22%
ROICexgc(5y)18.8%
ROCE(3y)29.27%
ROCE(5y)23.72%
ROICexcg growth 3Y22.64%
ROICexcg growth 5Y12.07%
ROICexc growth 3Y22.04%
ROICexc growth 5Y11.47%
OM growth 3Y13.99%
OM growth 5Y-6.94%
PM growth 3YN/A
PM growth 5Y-18.22%
GM growth 3Y-3.3%
GM growth 5Y-0.39%
F-Score6
Asset Turnover2.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 13.4 | ||
| Debt/EBITDA | 3.27 | ||
| Cap/Depr | 26.57% | ||
| Cap/Sales | 0.91% | ||
| Interest Coverage | 1.42 | ||
| Cash Conversion | 37.59% | ||
| Profit Quality | 216.34% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.23 | ||
| Altman-Z | 1.94 |
F-Score6
WACC10.5%
ROIC/WACC1.38
Cap/Depr(3y)56.43%
Cap/Depr(5y)50.16%
Cap/Sales(3y)1.79%
Cap/Sales(5y)1.58%
Profit Quality(3y)196.65%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-9.09%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-50%
EPS Next Y-17.12%
EPS Next 2Y9.48%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-4.93%
Revenue Next Year-5.98%
Revenue Next 2Y-3.78%
Revenue Next 3Y-2.35%
Revenue Next 5YN/A
EBIT growth 1Y-17.73%
EBIT growth 3Y8.01%
EBIT growth 5Y-5.77%
EBIT Next Year86.45%
EBIT Next 3Y28.97%
EBIT Next 5YN/A
FCF growth 1Y-33.88%
FCF growth 3Y-15.28%
FCF growth 5Y-2.85%
OCF growth 1Y-42.58%
OCF growth 3Y-13.89%
OCF growth 5Y-4.83%