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CURV · NYSE · United States · Retail-Apparel & Accessory Stores
In shortTorrid Holdings Inc. is loss-making.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 2.1% | 24/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -0.7% | 17/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | 0/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 26.7% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.78× | 0/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | – | 0/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 4.39× | 0/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | -3.67 | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -2.2% | 11/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 3 of 5 | 60/100 |
|---|---|---|
| Years of revenue decline (last 5) | 4 of 5 | 0/100 |
| Revenue growth volatility | 17.5% | 46/100 |
| Operating margin volatility | 2.1% | 90/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -8.1% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 1,297 | 1,288 | 1,152 | 1,104 | 1,000 |
| Cost of revenue | 760 | 829 | 746 | 690 | 652 |
| Gross profit | 537 | 460 | 406 | 413 | 348 |
| Selling, general & admin | 439 | 298 | 293 | 302 | 269 |
| Operating income | 45 | 102 | 57 | 57 | 21 |
| Interest expense | 29 | 30 | 39 | – | – |
| Pre-tax income | 16 | 72 | 18 | 22 | (9.6) |
| Income tax | 46 | 21 | 6.4 | 5.3 | (2.5) |
| Net income | (30) | 50 | 12 | 16 | (7) |
| Diluted EPS | −$0.27 | $0.48 | $0.11 | $0.15 | −$0.07 |
| Diluted shares (millions) | 110 | 104 | 104 | 106 | 101 |
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Torrid Holdings Inc. are included in the Investor plan. Try free for 7 days →
−3.67 Distress zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
2/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Aug 1, 2026 · Data updated Sep 10, 2026