Torrid Holdings Inc. — Earnings Quality Grade F
CURV · Consumer Cyclical
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -9.4%, CFFO -116.8%. Cash follows revenue
Expense Quality
Inventory -8.1% vs COGS -5.5%. Normal
CapEx growth -38.5% vs revenue -9.4%. Normal
SG&A/Gross Profit = 93.8%, exceeds 70%
Gross margin 34.8%, change -2.7pp. Stable
Cash Flow Quality
CFFO/NI = 1.85. Profits backed by cash
FCF is negative ($-0.0B)
Accruals ratio = 1.5%. Low accruals
Cash $0.0B covers only 5% of debt $0.4B
Balance Sheet Health
Goodwill+Intangibles $0.0B = -4% of equity. Manageable
Debt/EBITDA = 4.8x (>4x). Interest coverage = 0.7x (<2x). Financial stress
Other assets 3.4% vs revenue -9.4%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25