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Torrid Holdings Inc (CURV) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Torrid Holdings Inc stock $0.87, price $2.17, that is 59.9% below the price, quality 51 out of 100. Rating: strongly overvalued. Calculated from audited financials with 3 of our 26 valuation models and 37 quality factors, updated daily.

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Consumer Cyclical US

TH Torrid Holdings Inc logo Thin data Nov 6, 2026

Torrid Holdings Inc

CURV · US
Solid, but very expensive

Our calculation puts a fair price 60% below what the stock costs today.

Quality 51/100
Negative equity (buybacks among others)
Insiders sold $59,425 (6M)
Revenue last quarter 12% below a year ago.
Fair value $0.8700 · Strongly overvalued
Weak Growth (revenue 5y +0.5 %/yr in USD)
Loss-making · -0.9% net margin (TTM)
Negative free cash flow
Trails peers (1/8)
Narrow moat 18/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$31.16 $0.9657 Fair Value $0.8700 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $0.9657 – $31.16 · fair‑value band $0.1740 – $2.03 · the $2.17 price screens above the $0.8700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Torrid Holdings Inc. provides apparel, intimates, and accessories for women in North America. It offers tops, bottoms, dresses, intimates, sleep wear, swim wear, and outerwear, as well as accessories, footwear, and beauty products.

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The company sells its products under the Torrid, Torrid Curve, CURV, and Lovesick brands. It serves plus- and mid-size consumers through its e-commerce platforms and retail stores. The company was incorporated in 2019 and is headquartered in City Of Industry, California.

Stock analysis

Torrid Holdings Inc (CURV) currently trades at $2.17, while our model-based Fair Value estimate is $0.8700, 60% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: $0.1740 (bear) to $2.03 (bull), the price of $2.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 51/100 (solid quality), in the Consumer Cyclical sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

Torrid Holdings Inc reported revenue of $1.0B in FY2026 versus $1.3B in FY2022, a compound −6.0%/yr. Reported net income was −$7.0M in FY2026.

Key figures

Market cap $217M Micro · P/S ratio 0.21 · EPS (TTM) $−0.0800 · Net margin −0.9% · Return on assets (EBIT) 11.2% (5-year average) · Operating margin 1.5% · Revenue (TTM) $949M · Revenue growth (YoY) −11.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 18 out of 100 (medium confidence).

What moves the price

The share trades about 21% below its 52-week high and 125% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at −18% fair-value upside, at −60%, CURV screens richer than that median.

Fair Value models

Bear $0.1740 Fair Value $0.8700 Bull $2.03
Price $2.17 · Downside -59.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings $0.1600 $0.8700 $2.03 68
EV/EBIT n/a n/a $0.6400 61
EV/EBITDA $0.7500 $2.40 $4.04 61
All 3 models by family
DCF Models
Owner Earnings $0.1600 $0.8700 $2.03 68
Multiples
EV/EBIT n/a n/a $0.6400 61
EV/EBITDA $0.7500 $2.40 $4.04 61

Open the full fair value analysis →

Quality Score breakdown

Overall quality 51/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 56
How much profit the company makes from its sales and capital
Quality Growth 29
Are margins and returns getting better?
Cashflow 37
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 43
How calm the share price moves, does not count
Price momentum 73
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 84
Distance to the 52-week high, does not count
New shares 99
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $59,425 and none bought.

  • SaleAshlee WheelerChief Commercial Officer2× since Apr 13, 2026: 31,964 shares, avg. $2.00$63,855Sep 2, 2026
  • SaleChinwe AbaeluOfficer25,401 shares at $2.17$54,996Jul 16, 2026
  • SalePaula DempseyChief Financial Officer42,785 shares at $2.06$88,137Apr 14, 2026
  • SaleFund 1 Investments, LLC10% owner25,000 shares at $1.31$32,750Dec 3, 2025

Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 6/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−9.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−8.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.5%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
5.8% (2021) → 2.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

CURV screens overvalued: fair value 60% below the price. Compare with Industria de Diseño Textil, S.A →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Apparel Retail · 101 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −59.9% · Bottom 25%
Profitability
Return on equity (12 months) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets −1.8% · Bottom 25%
Net margin (12 months) −0.9% · Bottom 25%
Operating margin (12 months) 1.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) −11.8% · Bottom 25%
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Apparel Retail median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (12 months) 0.23× · Cheapest 25%
EV/EBITDA 16.3× · Priciest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Apparel Retail stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
lululemon athletica inc., LULU $110.79 $307.70 +178% vs CURV
Industria de Diseño Textil, S.A ITX €59.04 €64.94 +10% vs CURV
Aritzia Inc ATZ C$155.00 C$170.50 +10% vs CURV
The Gap, Inc GAP $21.48 $20.67 −4% vs CURV
Fast Retailing Co 6288 HK$39.08 HK$32.03 −18% vs CURV
The TJX Companies, Inc TJX $135.30 $85.31 −37% vs CURV
Burlington Stores, Inc BURL $246.76 $150.41 −39% vs CURV
Ross Stores, Inc ROST $231.09 $118.41 −49% vs CURV
Trent Limited TRENT ₹3,079 ₹1,277 −59% vs CURV
Victoria's Secret & Co VSXY $108.05 $34.31 −68% vs CURV

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Torrid Holdings Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Torrid Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/CURV

Frequently asked questions

Is Torrid Holdings Inc (CURV) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $0.8700 versus a price of $2.17, about 60% lower (overvalued).
What is the fair value of CURV?
Our model-based fair value for Torrid Holdings Inc is $0.8700 (as of Nov 6, 2026), built from audited fundamentals. The current price: $2.17.
What is the quality score of CURV?
Torrid Holdings Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Torrid Holdings Inc (CURV)?
Our model-based price target is the fair value of $0.8700 (as of Nov 6, 2026) from 3 valuation models. Cautious scenario $0.1740, optimistic scenario $2.03. It is a calculation from audited fundamentals, not an analyst target.
What is the Torrid Holdings Inc stock forecast for 2026?
Our models put fair value at $0.8700, about 60% lower versus a price of $2.17 (overvalued). Cautious scenario $0.1740, optimistic scenario $2.03. The calculation is refreshed regularly with new filings.
What is the revenue of Torrid Holdings Inc (CURV)?
Torrid Holdings Inc reported trailing-twelve-month revenue of about $949M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Torrid Holdings Inc (CURV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Torrid Holdings Inc it is $0.8700 per share (as of Nov 6, 2026), against a price of $2.17. It is the blended result of 3 valuation models in 2 families (DCF Models, Multiples).
Is Torrid Holdings Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CURV trades above its calculated fair value: price $2.17, fair value $0.8700, a gap of about −60% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CURV?
No. The price is what the market pays today ($2.17); the fair value is what the company's own numbers justify ($0.8700). For Torrid Holdings Inc the two are $1.30 per share apart. That gap is exactly why we show both numbers side by side.
How much is Torrid Holdings Inc worth?
The market values Torrid Holdings Inc at about $217M (market capitalisation, as of Nov 6, 2026). Per share that is $2.17; our models calculate a fair value of $0.8700 per share.
What do the bullish and bearish scenarios say about CURV?
Our models span a range for Torrid Holdings Inc: cautious scenario $0.1740, base $0.8700, optimistic $2.03 per share (as of Nov 6, 2026, price $2.17). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Torrid Holdings Inc (CURV)?
Balance-sheet figures for Torrid Holdings Inc (as of Nov 6, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is CURV from its 52-week high?
Torrid Holdings Inc trades at $2.17, about 21% below its 52-week high of $2.75 and 125% above the low of $0.9657 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.8700 is for.
Which stocks are comparable to Torrid Holdings Inc?
From the same area (Consumer Cyclical) we also value Industria de Diseño Textil, S.A, The TJX Companies, Inc, Fast Retailing Co, Ross Stores, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Torrid Holdings Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $2.17, calculated fair value $0.8700 (−60%), Quality Score 51/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CURV calculated?
We run Torrid Holdings Inc through 3 models from 2 families: DCF Models, Multiples. Every model gets the same audited fundamentals; the fair value of $0.8700 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Torrid Holdings Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Torrid Holdings Inc (CURV)?
The closing price on Nov 6, 2026 was $2.17. Our model-based fair value is $0.8700, about 60% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Torrid Holdings Inc right now?
The price sits above even our optimistic bull case ($2.03). The favourable scenario is already priced in. The model range is unusually wide ($0.1740 to $2.03). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.

Key figures of Torrid Holdings Inc

How large is the market capitalisation of Torrid Holdings Inc (CURV)?
The market capitalisation of Torrid Holdings Inc is $217M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Torrid Holdings Inc (CURV)?
The price-to-sales ratio of Torrid Holdings Inc is 0.21 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Torrid Holdings Inc (CURV)?
Earnings per share at Torrid Holdings Inc are $−0.0800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Torrid Holdings Inc (CURV)?
The net margin of Torrid Holdings Inc is −0.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Torrid Holdings Inc (CURV)?
On an EBIT basis the return on assets of Torrid Holdings Inc is 11.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Torrid Holdings Inc (CURV)?
The operating margin of Torrid Holdings Inc is 1.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Torrid Holdings Inc (CURV)?
Revenue at Torrid Holdings Inc is growing −11.8% versus a year earlier (3y avg −8.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Torrid Holdings Inc (CURV)?
Earnings per share at Torrid Holdings Inc are growing +227% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Torrid Holdings Inc (CURV) generate?
The free cash flow of Torrid Holdings Inc is −$21.9M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Torrid Holdings Inc (CURV) carry?
The net debt of Torrid Holdings Inc is $418M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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