CURV gets a fundamental rating of 2 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 does not seem to be growing, but still is valued expensively.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
CURV had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CURV had a positive operating cash flow.

1.2 Ratios

CURV has a Return On Assets (-0.47%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 11.08%, CURV is in the better half of the industry, outperforming 78.51% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for CURV is significantly above the industry average of 12.24%.
The last Return On Invested Capital (11.08%) 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	-0.47%
ROE	N/A
ROIC	11.08%

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 has declined in the last couple of years.
CURV has a Operating Margin (2.87%) which is in line with its industry peers.
In the last couple of years the Operating Margin of CURV has declined.
CURV has a Gross Margin (35.57%) which is comparable to the rest of the industry.
CURV's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	2.87%
PM (TTM)	N/A
GM	35.57%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), CURV is creating value.
CURV has more shares outstanding than it did 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

CURV has an Altman-Z score of 1.67. This is a bad value and indicates that CURV is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.67, CURV is not doing good in the industry: 60.33% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	N/A
Altman-Z	1.67

ROIC/WACC1.09

WACC10.19%

2.3 Liquidity

A Current Ratio of 0.81 indicates that CURV may have some problems paying its short term obligations.
The Current ratio of CURV (0.81) is worse than 84.30% of its industry peers.
CURV has a Quick Ratio of 0.81. 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 Quick ratio of 0.26. This is amonst the worse of the industry: CURV underperforms 80.99% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.81
Quick Ratio	0.26

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CURV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -106.67%.
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.
Looking at the last year, CURV shows a decrease in Revenue. The Revenue has decreased by -7.33% in the last year.
CURV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.26% yearly.

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

The Earnings Per Share is expected to decrease by -29.89% on average over the next years. This is quite bad
CURV is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.07% yearly.

EPS Next Y-173.31%

EPS Next 2Y-49.81%

EPS Next 3Y-29.89%

EPS Next 5YN/A

Revenue Next Year-9.37%

Revenue Next 2Y-7.28%

Revenue Next 3Y-5.07%

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 decreasing.
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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CURV. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CURV. No positive earnings are expected for the next year.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

CURV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CURV is cheaper than 60.33% of the companies in the same industry.