TORRID HOLDINGS INC (CURV)
US89142B1070 - Common Stock
CURV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 119 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CURV was profitable.
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 of 3.09%. This is comparable to the rest of the industry: CURV outperforms 58.12% of its industry peers.
CURV has a better Return On Invested Capital (15.76%) than 85.47% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CURV is above the industry average of 12.29%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.09% | ||
| ROE | N/A | ||
| ROIC | 15.76% |
ROA(3y)2.26%
ROA(5y)3.43%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.43%
ROIC(5y)14.05%
1.3 Margins
The Profit Margin of CURV (1.36%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CURV has declined.
With a decent Operating Margin value of 5.15%, CURV is doing good in the industry, outperforming 68.38% of the companies in the same industry.
CURV's Operating Margin has declined in the last couple of years.
CURV's Gross Margin of 37.62% is in line compared to the rest of the industry. CURV outperforms 55.56% of its industry peers.
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 | 5.15% | ||
| PM (TTM) | 1.36% | ||
| GM | 37.62% |
OM growth 3Y-4.92%
OM growth 5Y-15.34%
PM growth 3Y-26%
PM growth 5Y-36.19%
GM growth 3Y0.57%
GM growth 5Y-0.16%
2. Health
2.1 Basic Checks
CURV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, CURV has more shares outstanding
The number of shares outstanding for CURV has been reduced compared to 5 years ago.
CURV has a worse debt/assets ratio than last year.
2.2 Solvency
CURV has an Altman-Z score of 2.20. This is not the best score and indicates that CURV is in the grey zone with still only limited risk for bankruptcy at the moment.
CURV's Altman-Z score of 2.20 is in line compared to the rest of the industry. CURV outperforms 45.30% of its industry peers.
The Debt to FCF ratio of CURV is 5.82, which is a neutral value as it means it would take CURV, 5.82 years of fcf income to pay off all of its debts.
CURV has a Debt to FCF ratio (5.82) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.82 | ||
| Altman-Z | 2.2 |
ROIC/WACC1.5
WACC10.48%
2.3 Liquidity
CURV has a Current Ratio of 0.89. 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 (0.89) than 83.76% of its industry peers.
CURV has a Quick Ratio of 0.89. 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 Quick ratio (0.34) than 68.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.89 | ||
| Quick Ratio | 0.34 |
3. Growth
3.1 Past
CURV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.00%, which is quite impressive.
Measured over the past years, CURV shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -32.43% on average per year.
The Revenue has decreased by -5.52% in the past year.
CURV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.85% yearly.
EPS 1Y (TTM)50%
EPS 3Y-20.32%
EPS 5Y-32.43%
EPS Q2Q%66.67%
Revenue 1Y (TTM)-5.52%
Revenue growth 3Y5.39%
Revenue growth 5Y4.85%
Sales Q2Q%-4.23%
3.2 Future
The Earnings Per Share is expected to grow by 24.68% on average over the next years. This is a very strong growth
Based on estimates for the next years, CURV will show a decrease in Revenue. The Revenue will decrease by -0.90% on average per year.
EPS Next Y28.52%
EPS Next 2Y62.85%
EPS Next 3Y24.68%
EPS Next 5YN/A
Revenue Next Year-2.76%
Revenue Next 2Y-1%
Revenue Next 3Y-0.9%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
CURV is valuated quite expensively with a Price/Earnings ratio of 39.07.
CURV's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of CURV to the average of the S&P500 Index (27.34), we can say CURV is valued slightly more expensively.
CURV is valuated rather expensively with a Price/Forward Earnings ratio of 22.10.
The rest of the industry has a similar Price/Forward Earnings ratio as CURV.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.61, CURV is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.07 | ||
| Fwd PE | 22.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CURV is valued a bit cheaper than 64.10% of the companies in the same industry.
CURV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CURV is cheaper than 83.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.03 | ||
| EV/EBITDA | 9.04 |
4.3 Compensation for Growth
CURV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as CURV's earnings are expected to grow with 24.68% in the coming years.
PEG (NY)1.37
PEG (5Y)N/A
EPS Next 2Y62.85%
EPS Next 3Y24.68%
5. Dividend
5.1 Amount
No dividends for CURV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TORRID HOLDINGS INC
NYSE:CURV (1/8/2025, 8:04:00 PM)
After market: 5.86 0 (0%)5.86
+0.19 (+3.35%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners4.18%
Inst Owner Change0%
Ins Owners9.53%
Ins Owner Change-10.49%
Market Cap613.89M
Analysts76.67
Price Target4.28 (-26.96%)
Short Float %4.36%
Short Ratio1.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-64.58%
Min EPS beat(2)-129.71%
Max EPS beat(2)0.55%
EPS beat(4)3
Avg EPS beat(4)-5.33%
Min EPS beat(4)-129.71%
Max EPS beat(4)58.98%
EPS beat(8)5
Avg EPS beat(8)1.42%
EPS beat(12)7
Avg EPS beat(12)-1.85%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.87%
Min Revenue beat(2)-9.52%
Max Revenue beat(2)-2.21%
Revenue beat(4)1
Avg Revenue beat(4)-2.47%
Min Revenue beat(4)-9.52%
Max Revenue beat(4)4.72%
Revenue beat(8)3
Avg Revenue beat(8)0.14%
Revenue beat(12)6
Avg Revenue beat(12)0.99%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-25.33%
PT rev (3m)-37.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)62.7%
EPS NY rev (1m)-33.77%
EPS NY rev (3m)-31.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.16%
Revenue NY rev (1m)-3.1%
Revenue NY rev (3m)-3.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.07 | ||
| Fwd PE | 22.1 | ||
| P/S | 0.55 | ||
| P/FCF | 12.03 | ||
| P/OCF | 8.25 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.04 |
EPS(TTM)0.15
EY2.56%
EPS(NY)0.27
Fwd EY4.53%
FCF(TTM)0.49
FCFY8.31%
OCF(TTM)0.71
OCFY12.12%
SpS10.71
BVpS-1.81
TBVpS-1.89
PEG (NY)1.37
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.09% | ||
| ROE | N/A | ||
| ROCE | 23.87% | ||
| ROIC | 15.76% | ||
| ROICexc | 19.19% | ||
| ROICexgc | 20.02% | ||
| OM | 5.15% | ||
| PM (TTM) | 1.36% | ||
| GM | 37.62% | ||
| FCFM | 4.55% |
ROA(3y)2.26%
ROA(5y)3.43%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.43%
ROIC(5y)14.05%
ROICexc(3y)17.45%
ROICexc(5y)15.69%
ROICexgc(3y)18.02%
ROICexgc(5y)16.17%
ROCE(3y)26.18%
ROCE(5y)22.07%
ROICexcg growth 3Y3.23%
ROICexcg growth 5Y-14.79%
ROICexc growth 3Y3.13%
ROICexc growth 5Y-14.62%
OM growth 3Y-4.92%
OM growth 5Y-15.34%
PM growth 3Y-26%
PM growth 5Y-36.19%
GM growth 3Y0.57%
GM growth 5Y-0.16%
F-Score7
Asset Turnover2.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.82 | ||
| Debt/EBITDA | 2.94 | ||
| Cap/Depr | 62.21% | ||
| Cap/Sales | 2.09% | ||
| Interest Coverage | 1.59 | ||
| Cash Conversion | 78.02% | ||
| Profit Quality | 334.84% | ||
| Current Ratio | 0.89 | ||
| Quick Ratio | 0.34 | ||
| Altman-Z | 2.2 |
F-Score7
WACC10.48%
ROIC/WACC1.5
Cap/Depr(3y)59.54%
Cap/Depr(5y)59.29%
Cap/Sales(3y)1.81%
Cap/Sales(5y)1.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3Y-20.32%
EPS 5Y-32.43%
EPS Q2Q%66.67%
EPS Next Y28.52%
EPS Next 2Y62.85%
EPS Next 3Y24.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.52%
Revenue growth 3Y5.39%
Revenue growth 5Y4.85%
Sales Q2Q%-4.23%
Revenue Next Year-2.76%
Revenue Next 2Y-1%
Revenue Next 3Y-0.9%
Revenue Next 5YN/A
EBIT growth 1Y3.76%
EBIT growth 3Y0.2%
EBIT growth 5Y-11.23%
EBIT Next Year21.5%
EBIT Next 3Y30.26%
EBIT Next 5YN/A
FCF growth 1Y93.24%
FCF growth 3Y-50.73%
FCF growth 5Y-25.81%
OCF growth 1Y49.41%
OCF growth 3Y-34.44%
OCF growth 5Y-17.96%