TORRID HOLDINGS INC (CURV) Stock Fundamental Analysis
USA - NYSE:CURV - US89142B1070 - Common Stock
1.2 USD
+0.02 (+1.69%)
1.2 USD
0 (0%)
CURV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 122 industry peers in the Specialty Retail industry. There are concerns on the financial health of CURV while its profitability can be described as average. CURV is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CURV was profitable.
CURV had a positive operating cash flow in the past year.
Of the past 5 years CURV 4 years were profitable.
CURV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.80%, CURV perfoms like the industry average, outperforming 54.10% of the companies in the same industry.
The Return On Invested Capital of CURV (12.72%) is better than 81.97% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CURV is significantly above the industry average of 11.82%.
The 3 year average ROIC (19.24%) for CURV is well above the current ROIC(12.72%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | N/A | ||
| ROIC | 12.72% |
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
CURV has a Profit Margin of 0.31%. This is comparable to the rest of the industry: CURV outperforms 51.64% of its industry peers.
CURV's Profit Margin has declined in the last couple of years.
CURV has a Operating Margin of 3.45%. This is comparable to the rest of the industry: CURV outperforms 55.74% of its industry peers.
CURV's Operating Margin has declined in the last couple of years.
CURV has a Gross Margin of 35.83%. This is comparable to the rest of the industry: CURV outperforms 48.36% of its industry peers.
CURV's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.45% | ||
| PM (TTM) | 0.31% | ||
| GM | 35.83% |
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.
CURV has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CURV has less shares outstanding
CURV has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.78, we must say that CURV is in the distress zone and has some risk of bankruptcy.
CURV has a Altman-Z score of 1.78. This is comparable to the rest of the industry: CURV outperforms 42.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.78 |
ROIC/WACC1.26
WACC10.1%
2.3 Liquidity
CURV has a Current Ratio of 0.83. 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's Current ratio of 0.83 is on the low side compared to the rest of the industry. CURV is outperformed by 82.79% of its industry peers.
CURV has a Quick Ratio of 0.83. This is a bad value and indicates that CURV is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of CURV (0.26) is worse than 84.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
CURV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -69.23%.
CURV shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.48% yearly.
Looking at the last year, CURV shows a decrease in Revenue. The Revenue has decreased by -5.76% in the last 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)-69.23%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-75%
Revenue 1Y (TTM)-5.76%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-7.67%
3.2 Future
CURV is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -15.39% yearly.
Based on estimates for the next years, CURV will show a decrease in Revenue. The Revenue will decrease by -3.71% on average per year.
EPS Next Y-56.44%
EPS Next 2Y-19.49%
EPS Next 3Y-15.39%
EPS Next 5YN/A
Revenue Next Year-8.3%
Revenue Next 2Y-4.8%
Revenue Next 3Y-3.71%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
CURV is valuated quite expensively with a Price/Earnings ratio of 30.00.
CURV's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CURV to the average of the S&P500 Index (25.83), we can say CURV is valued inline with the index average.
With a Price/Forward Earnings ratio of 11.57, the valuation of CURV can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CURV is valued a bit cheaper than the industry average as 75.41% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CURV to the average of the S&P500 Index (32.68), we can say CURV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30 | ||
| Fwd PE | 11.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CURV is valued cheaply inside the industry as 86.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.06 |
4.3 Compensation for Growth
CURV's earnings are expected to decrease with -15.39% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.49%
EPS Next 3Y-15.39%
5. Dividend
5.1 Amount
CURV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.2
+0.02 (+1.69%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners28.2%
Inst Owner Change-0.01%
Ins Owners7.49%
Ins Owner Change-22.4%
Market Cap119.00M
Revenue(TTM)1.07B
Net Income(TTM)3.33M
Analysts55
Price Target2.88 (140%)
Short Float %6.72%
Short Ratio3.21
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)1
Avg EPS beat(2)-7.77%
Min EPS beat(2)-38.09%
Max EPS beat(2)22.55%
EPS beat(4)2
Avg EPS beat(4)-23.57%
Min EPS beat(4)-129.71%
Max EPS beat(4)50.98%
EPS beat(8)6
Avg EPS beat(8)6.91%
EPS beat(12)7
Avg EPS beat(12)0.44%
EPS beat(16)10
Avg EPS beat(16)1.25%
Revenue beat(2)1
Avg Revenue beat(2)-1.01%
Min Revenue beat(2)-2.54%
Max Revenue beat(2)0.51%
Revenue beat(4)2
Avg Revenue beat(4)-2.37%
Min Revenue beat(4)-9.52%
Max Revenue beat(4)2.08%
Revenue beat(8)4
Avg Revenue beat(8)0%
Revenue beat(12)5
Avg Revenue beat(12)-0.32%
Revenue beat(16)8
Avg Revenue beat(16)0.5%
PT rev (1m)-1.74%
PT rev (3m)-45.77%
EPS NQ rev (1m)-153.33%
EPS NQ rev (3m)-118.46%
EPS NY rev (1m)-4.66%
EPS NY rev (3m)-46.26%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)-8.47%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30 | ||
| Fwd PE | 11.57 | ||
| P/S | 0.11 | ||
| P/FCF | N/A | ||
| P/OCF | 17.83 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.06 |
EPS(TTM)0.04
EY3.33%
EPS(NY)0.1
Fwd EY8.64%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.07
OCFY5.61%
SpS10.77
BVpS-2.03
TBVpS-2.11
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | N/A | ||
| ROCE | 19.78% | ||
| ROIC | 12.72% | ||
| ROICexc | 14.24% | ||
| ROICexgc | 14.93% | ||
| OM | 3.45% | ||
| PM (TTM) | 0.31% | ||
| GM | 35.83% | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y22.64%
ROICexgc 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-Score4
Asset Turnover2.58
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 3.76 | ||
| Cap/Depr | 20.81% | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | 1.08 | ||
| Cash Conversion | 8.93% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 1.78 |
F-Score4
WACC10.1%
ROIC/WACC1.26
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)-69.23%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-75%
EPS Next Y-56.44%
EPS Next 2Y-19.49%
EPS Next 3Y-15.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.76%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-7.67%
Revenue Next Year-8.3%
Revenue Next 2Y-4.8%
Revenue Next 3Y-3.71%
Revenue Next 5YN/A
EBIT growth 1Y-35.88%
EBIT growth 3Y8.01%
EBIT growth 5Y-5.77%
EBIT Next Year61.91%
EBIT Next 3Y21.16%
EBIT Next 5YN/A
FCF growth 1Y-106.33%
FCF growth 3Y-15.28%
FCF growth 5Y-2.85%
OCF growth 1Y-83.6%
OCF growth 3Y-13.89%
OCF growth 5Y-4.83%
TORRID HOLDINGS INC / CURV FAQ
What is the fundamental rating for CURV stock?
ChartMill assigns a fundamental rating of 3 / 10 to CURV.
Can you provide the valuation status for TORRID HOLDINGS INC?
ChartMill assigns a valuation rating of 3 / 10 to TORRID HOLDINGS INC (CURV). This can be considered as Overvalued.
Can you provide the profitability details for TORRID HOLDINGS INC?
TORRID HOLDINGS INC (CURV) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for CURV stock?
The Earnings per Share (EPS) of TORRID HOLDINGS INC (CURV) is expected to decline by -56.44% in the next year.
Is the dividend of TORRID HOLDINGS INC sustainable?
The dividend rating of TORRID HOLDINGS INC (CURV) is 0 / 10 and the dividend payout ratio is 0%.