TORRID HOLDINGS INC (CURV) Stock Fundamental Analysis
NYSE:CURV - New York Stock Exchange, Inc. - US89142B1070 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to CURV. CURV was compared to 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year CURV was profitable.
In the past year CURV had a positive cash flow from operations.
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 2.23%. This is comparable to the rest of the industry: CURV outperforms 56.56% of its industry peers.
With an excellent Return On Invested Capital value of 14.50%, CURV belongs to the best of the industry, outperforming 84.43% 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 12.95%.
The last Return On Invested Capital (14.50%) 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 | 2.23% | ||
| ROE | N/A | ||
| ROIC | 14.5% |
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 0.93% is in line compared to the rest of the industry. CURV outperforms 55.74% of its industry peers.
CURV's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 4.32%, CURV is in the better half of the industry, outperforming 63.11% of the companies in the same industry.
In the last couple of years the Operating Margin of CURV has declined.
CURV has a Gross Margin (36.65%) which is comparable to the rest of the industry.
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 | 4.32% | ||
| PM (TTM) | 0.93% | ||
| GM | 36.65% |
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), CURV 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.
Compared to 1 year ago, CURV has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.17 indicates that CURV is not a great score, but indicates only limited risk for bankruptcy at the moment.
CURV's Altman-Z score of 2.17 is in line compared to the rest of the industry. CURV outperforms 50.82% of its industry peers.
CURV has a debt to FCF ratio of 13.40. This is a negative value and a sign of low solvency as CURV would need 13.40 years to pay back of all of its debts.
The Debt to FCF ratio of CURV (13.40) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.41
WACC10.31%
2.3 Liquidity
CURV has a Current Ratio of 0.87. 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 Current ratio of 0.87. This is amonst the worse of the industry: CURV underperforms 80.33% of its industry peers.
CURV has a Quick Ratio of 0.87. 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 (0.23) than 84.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.23 |
3. Growth
3.1 Past
CURV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.09%.
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 -4.21%.
CURV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.26% yearly.
EPS 1Y (TTM)-9.09%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-50%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-4.93%
3.2 Future
Based on estimates for the next years, CURV will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.94% on average per year.
CURV is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.35% yearly.
EPS Next Y-17.12%
EPS Next 2Y9.48%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue Next Year-5.98%
Revenue Next 2Y-3.78%
Revenue Next 3Y-2.35%
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.
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 50.90.
CURV's Price/Earnings is on the same level as the industry average.
CURV's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.65.
The Price/Forward Earnings ratio is 26.54, which means the current valuation is very expensive for CURV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CURV is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, CURV is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 50.9 | ||
| Fwd PE | 26.54 |
4.2 Price Multiples
CURV's Enterprise Value to EBITDA ratio is in line with the industry average.
CURV's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CURV is cheaper than 66.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.49 | ||
| EV/EBITDA | 9.4 |
4.3 Compensation for Growth
The decent profitability rating of CURV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.48%
EPS Next 3Y11.94%
5. Dividend
5.1 Amount
CURV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CURV (6/24/2025, 1:39:16 PM)
5.09
+0.01 (+0.2%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners14.96%
Inst Owner Change2.19%
Ins Owners7.42%
Ins Owner Change0.25%
Market Cap534.40M
Analysts54.55
Price Target5.3 (4.13%)
Short Float %10.22%
Short Ratio9.8
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)2
Avg EPS beat(2)36.76%
Min EPS beat(2)22.55%
Max EPS beat(2)50.98%
EPS beat(4)3
Avg EPS beat(4)-13.91%
Min EPS beat(4)-129.71%
Max EPS beat(4)50.98%
EPS beat(8)6
Avg EPS beat(8)6.04%
EPS beat(12)7
Avg EPS beat(12)2.77%
EPS beat(16)11
Avg EPS beat(16)11.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-2.54%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-3.05%
Min Revenue beat(4)-9.52%
Max Revenue beat(4)2.08%
Revenue beat(8)3
Avg Revenue beat(8)-0.21%
Revenue beat(12)5
Avg Revenue beat(12)-0.22%
Revenue beat(16)8
Avg Revenue beat(16)0.91%
PT rev (1m)-2.99%
PT rev (3m)8.33%
EPS NQ rev (1m)-68.29%
EPS NQ rev (3m)-74.51%
EPS NY rev (1m)-4.88%
EPS NY rev (3m)-44.92%
Revenue NQ rev (1m)-7.32%
Revenue NQ rev (3m)-9.02%
Revenue NY rev (1m)-5.05%
Revenue NY rev (3m)-6.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 50.9 | ||
| Fwd PE | 26.54 | ||
| P/S | 0.49 | ||
| P/FCF | 24.49 | ||
| P/OCF | 16.83 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.4 |
EPS(TTM)0.1
EY1.96%
EPS(NY)0.19
Fwd EY3.77%
FCF(TTM)0.21
FCFY4.08%
OCF(TTM)0.3
OCFY5.94%
SpS10.38
BVpS-1.75
TBVpS-1.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.23% | ||
| ROE | N/A | ||
| ROCE | 21.47% | ||
| ROIC | 14.5% | ||
| ROICexc | 16.19% | ||
| ROICexgc | 16.89% | ||
| OM | 4.32% | ||
| PM (TTM) | 0.93% | ||
| GM | 36.65% | ||
| FCFM | 2% |
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%
ROICexcg growth 3Y22.64%
ROICexcg 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-Score6
Asset Turnover2.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 13.4 | ||
| Debt/EBITDA | 3.27 | ||
| Cap/Depr | 26.57% | ||
| Cap/Sales | 0.91% | ||
| Interest Coverage | 1.42 | ||
| Cash Conversion | 37.59% | ||
| Profit Quality | 216.34% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.23 | ||
| Altman-Z | 2.17 |
F-Score6
WACC10.31%
ROIC/WACC1.41
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)-9.09%
EPS 3YN/A
EPS 5Y-16.48%
EPS Q2Q%-50%
EPS Next Y-17.12%
EPS Next 2Y9.48%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-5.24%
Revenue growth 5Y1.26%
Sales Q2Q%-4.93%
Revenue Next Year-5.98%
Revenue Next 2Y-3.78%
Revenue Next 3Y-2.35%
Revenue Next 5YN/A
EBIT growth 1Y-17.73%
EBIT growth 3Y8.01%
EBIT growth 5Y-5.77%
EBIT Next Year86.45%
EBIT Next 3Y27.42%
EBIT Next 5YN/A
FCF growth 1Y-33.88%
FCF growth 3Y-15.28%
FCF growth 5Y-2.85%
OCF growth 1Y-42.58%
OCF growth 3Y-13.89%
OCF growth 5Y-4.83%