Torrid Holdings Inc. (CURV) Financial Ratio Screen

NYSE Consumer Cyclical United States USD 237M
RATIOS FAIL*
Automated financial screen · activity assessed separately
Torrid Holdings Inc. (CURV) is potentially non-compliant in the automated ratio model. The company's debt ratio of 109.5% exceeds the 30% MSCI new-inclusion threshold relative to total assets. Torrid Holdings Inc. operates in the Consumer Cyclical sector.

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MSCI new-inclusion financial-ratio snapshot

CURV financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
109.5%
Fail vs 30%
Cash ratio
5.0%
Pass vs 30%
Receivables + cash
5.7%
Pass vs 30%
Impermissible income
0.1%
Pass vs 5%

Calculation date: 2026-10-15. Financial period used: January 2026. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria not metAt least one available ratio exceeds its threshold
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodJanuary 2026Calculation date2026-10-15S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (Apparel Retail) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: 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. 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.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from January 2026

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 109.5%
/ 30%
5.0%
/ 30%
5.7%
/ 30%
0.09%
/ 5%
RATIOS FAIL*
FTSE 109.5%
/ 33%
5.0%
/ 33%
5.7%
/ 50%
0.09%
/ 5%
RATIOS FAIL*

Financial Highlights

EPS
currency unverified -0.08
Dividend Yield
0.0%
P/B Ratio
-1.2
EV/EBITDA
22.7
EV: USD 633M
Revenue
USD 1.0B
Growth: -11.8%
Beta
0.7
Low volatility
Current Ratio
0.8

Profitability

Gross Margin 33.6%
Operating Margin 1.5%
Net Margin -0.9%
Return on Assets (ROA) 1.1%

Cash Flow & Balance Sheet

Operating Cash FlowUSD -13M
Free Cash FlowUSD -22M
Total DebtUSD 438M
Current Ratio0.8
Total AssetsUSD 400M

Price & Trading

Last Close$2.36
50-Day MA$2.32
200-Day MA$1.79
Avg Volume301K
Beta0.7
52-Week Range
$0.94
$2.85

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-10-15 for the financial period January 2026. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About Torrid Holdings Inc. (CURV)

CEO
Ms. Lisa M. Harper
Employees
1,530
Sector
Consumer Cyclical
Industry
Apparel Retail
Country
United States
Exchange
NYSE
Market Cap (listing currency)
USD 237M
Currency
USD

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. 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.

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Frequently Asked Questions

Is Torrid Holdings Inc. (CURV) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is Torrid Holdings Inc.'s debt ratio?

Torrid Holdings Inc.'s debt ratio is 109.5% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are Torrid Holdings Inc.'s key financial metrics?

Torrid Holdings Inc. has a market capitalization of USD 237M in its listing currency, and revenue of USD 1.0B. The company maintains a gross margin of 33.6% and a net margin of -0.9%.

How often is the screening data updated?

Calculation date: 2026-10-15. Financial period: January 2026. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.