TORRID HOLDINGS INC (CURV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CURV - US89142B1070 - Common Stock
1.04 USD
-0.04 (-3.7%)
CURV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 122 industry peers in the Specialty Retail industry. While CURV is still in line with the averages on profitability rating, there are concerns on its financial health. CURV is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CURV has reported negative net income.
In the past year CURV had a positive cash flow from operations.
Of the past 5 years CURV 4 years were profitable.
In the past 5 years CURV always reported a positive cash flow from operatings.
1.2 Ratios
CURV has a Return On Assets (0.80%) which is comparable to the rest of the industry.
With an excellent Return On Invested Capital value of 12.72%, CURV belongs to the best of the industry, outperforming 81.97% of the companies in the same industry.
CURV had an Average Return On Invested Capital over the past 3 years of 19.24%. This is significantly above the industry average of 12.16%.
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's Profit Margin of 0.31% is in line compared to the rest of the industry. CURV outperforms 50.82% of its industry peers.
CURV's Profit Margin has declined in the last couple of years.
The Operating Margin of CURV (3.45%) is comparable to the rest of the industry.
CURV's Operating Margin has declined in the last couple of years.
CURV has a Gross Margin (35.83%) which is in line with 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 | 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.
The number of shares outstanding for CURV has been increased compared to 1 year ago.
CURV has less shares outstanding than it did 5 years ago.
CURV has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.77, we must say that CURV is in the distress zone and has some risk of bankruptcy.
CURV has a Altman-Z score (1.77) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.77 |
ROIC/WACC1.28
WACC9.96%
2.3 Liquidity
A Current Ratio of 0.83 indicates that CURV may have some problems paying its short term obligations.
CURV has a worse Current ratio (0.83) than 83.61% 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.
With a Quick ratio value of 0.26, CURV is not doing good in the industry: 82.79% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
The earnings per share for CURV have decreased strongly by -106.67% in the last year.
Measured over the past years, CURV shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.48% on average per year.
The Revenue has decreased by -7.33% 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)-106.67%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-500%
Revenue 1Y (TTM)-7.33%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-10.85%
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 -20.10% yearly.
The Revenue is expected to decrease by -4.21% on average over the next years.
EPS Next Y-67.06%
EPS Next 2Y-19.02%
EPS Next 3Y-20.1%
EPS Next 5YN/A
Revenue Next Year-8.04%
Revenue Next 2Y-5.08%
Revenue Next 3Y-4.21%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 negative for CURV. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 9.91, the valuation of CURV can be described as very reasonable.
86.07% of the companies in the same industry are more expensive than CURV, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CURV to the average of the S&P500 Index (23.66), we can say CURV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.91 |
4.2 Price Multiples
CURV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CURV is cheaper than 88.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.9 |
4.3 Compensation for Growth
CURV's earnings are expected to decrease with -20.10% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.02%
EPS Next 3Y-20.1%
5. Dividend
5.1 Amount
No dividends for CURV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CURV (12/17/2025, 3:13:59 PM)
1.04
-0.04 (-3.7%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners26.38%
Inst Owner Change-2.17%
Ins Owners7.44%
Ins Owner Change-22.48%
Market Cap103.17M
Revenue(TTM)1.04B
Net Income(TTM)3.33M
Analysts55
Price Target1.95 (87.5%)
Short Float %7.49%
Short Ratio5.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-32.18%
PT rev (3m)-35.17%
EPS NQ rev (1m)-66.75%
EPS NQ rev (3m)-125.01%
EPS NY rev (1m)-24.38%
EPS NY rev (3m)-62.71%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.91 | ||
| P/S | 0.1 | ||
| P/FCF | N/A | ||
| P/OCF | 15.46 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.9 |
EPS(TTM)-0.01
EYN/A
EPS(NY)0.1
Fwd EY10.09%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.07
OCFY6.47%
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 | 1.77 |
F-Score4
WACC9.96%
ROIC/WACC1.28
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)-106.67%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-500%
EPS Next Y-67.06%
EPS Next 2Y-19.02%
EPS Next 3Y-20.1%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.33%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-10.85%
Revenue Next Year-8.04%
Revenue Next 2Y-5.08%
Revenue Next 3Y-4.21%
Revenue Next 5YN/A
EBIT growth 1Y-35.88%
EBIT growth 3Y8.01%
EBIT growth 5Y-5.77%
EBIT Next Year47.53%
EBIT Next 3Y20.92%
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 -67.06% 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%.