TORRID HOLDINGS INC (CURV) Stock Fundamental Analysis
USA - NYSE:CURV - US89142B1070 - Common Stock
1.31 USD
+0.05 (+3.97%)
1.31 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to CURV. CURV was compared to 121 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CURV had positive earnings in the past year.
In the past year CURV had a positive cash flow from operations.
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
The Return On Assets of CURV (0.80%) is comparable to the rest of the industry.
The Return On Invested Capital of CURV (12.72%) is better than 81.82% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital 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's Profit Margin of 0.31% is in line compared to the rest of the industry. CURV outperforms 51.24% of its industry peers.
In the last couple of years the Profit Margin of CURV has declined.
CURV has a Operating Margin (3.45%) which is in line with its industry peers.
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.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.
Compared to 1 year ago, CURV has an improved debt to assets ratio.
2.2 Solvency
CURV has an Altman-Z score of 1.79. This is a bad value and indicates that CURV is not financially healthy and even has some risk of bankruptcy.
CURV has a Altman-Z score (1.79) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.79 |
ROIC/WACC1.24
WACC10.24%
2.3 Liquidity
A Current Ratio of 0.83 indicates that CURV may have some problems paying its short term obligations.
The Current ratio of CURV (0.83) is worse than 82.64% of its industry peers.
A Quick Ratio of 0.26 indicates that CURV may have some problems paying its short term obligations.
CURV's Quick ratio of 0.26 is on the low side compared to the rest of the industry. CURV is outperformed by 84.30% of its industry peers.
| 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 -69.23% 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.
CURV shows a decrease in Revenue. In the last year, the revenue decreased by -5.76%.
The Revenue has been growing slightly by 1.26% on average over the past years.
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
Based on estimates for the next years, CURV will show a very negative growth in Earnings Per Share. The EPS will decrease by -15.39% on average per year.
CURV is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.71% yearly.
EPS Next Y-54.31%
EPS Next 2Y-18.18%
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
The Price/Earnings ratio is 32.75, which means the current valuation is very expensive for CURV.
The rest of the industry has a similar Price/Earnings ratio as CURV.
CURV's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.13.
The Price/Forward Earnings ratio is 12.23, which indicates a correct valuation of CURV.
Based on the Price/Forward Earnings ratio, CURV is valued a bit cheaper than 73.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.35. CURV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.75 | ||
| Fwd PE | 12.23 |
4.2 Price Multiples
85.12% of the companies in the same industry are more expensive than CURV, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.14 |
4.3 Compensation for Growth
A cheap valuation may be justified as CURV's earnings are expected to decrease with -15.39% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.18%
EPS Next 3Y-15.39%
5. Dividend
5.1 Amount
CURV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.31
+0.05 (+3.97%)
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 Cap129.91M
Revenue(TTM)1.07B
Net Income(TTM)3.33M
Analysts55
Price Target2.88 (119.85%)
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)-4.41%
PT rev (3m)-45.77%
EPS NQ rev (1m)-100%
EPS NQ rev (3m)-100%
EPS NY rev (1m)0%
EPS NY rev (3m)-43.63%
Revenue NQ rev (1m)-0.43%
Revenue NQ rev (3m)-8.89%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-3.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.75 | ||
| Fwd PE | 12.23 | ||
| P/S | 0.12 | ||
| P/FCF | N/A | ||
| P/OCF | 19.47 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.14 |
EPS(TTM)0.04
EY3.05%
EPS(NY)0.11
Fwd EY8.18%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.07
OCFY5.14%
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 | 1.79 |
F-Score4
WACC10.24%
ROIC/WACC1.24
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-54.31%
EPS Next 2Y-18.18%
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 3Y21.64%
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 2 / 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 -54.31% 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%.