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Torrid HoldingsCURV -4.58%45 Debt-to-EBITDA is 4.77 as of Apr. 2026, which is 25% above its 10-year median of 3.82. GuruFocus rates CURV with a GF Score™ of 45/100 and a GF Value™ of $3.31 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 911 Retail - Cyclical companies, Torrid Holdings ranks worse than 79.69% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Torrid Holdings's Debt-to-EBITDA or its related term are showing as below:
CURV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.02 Med: 3.82 Max: 5.41
Current: 5.41
During the past 8 years, the highest Debt-to-EBITDA Ratio of Torrid Holdings was 5.41. The lowest was 3.02. And the median was 3.82.
CURV's Debt-to-EBITDA is ranked worse than 79.69% of 911
companies
in the Retail - Cyclical industry
Industry Median: 2.32
vs CURV: 5.41
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Torrid Holdings Debt-to-EBITDA Related Terms
Torrid Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Torrid Holdings's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CURV vs JILL, ZUMZ, DLTH: Debt-to-EBITDA Comparison
For the Apparel Retail subindustry, Torrid Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Torrid Holdings Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Torrid Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Torrid Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Apr. 2026) EBITDA data.
Torrid Holdings (CURV) has a Debt-to-EBITDA of 4.77 as of Apr. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Torrid Holdings. This is 25% above median its historical median of 3.82. Over the past decade, Torrid Holdings' Debt-to-EBITDA has ranged from 3.02 to 5.41. According to the industry distribution chart, Torrid Holdings ranks #726 out of 911 companies in the Retail - Cyclical industry, placing it in the top 79.7%.
Is Torrid Holdings' Debt-to-EBITDA too high?
Torrid Holdings' current Debt-to-EBITDA of 4.77 is 25% above median its 10-year median of 3.82. Over the past 10 years, this metric has ranged from a low of 3.02 to a high of 5.41. The Retail - Cyclical industry median Debt-to-EBITDA is 2.32. Torrid Holdings' value of 4.77 is 105.6% above this industry median. Based on the distribution chart, Torrid Holdings ranks #726 out of 911 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Torrid Holdings has a GF Score™ of 45/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Torrid Holdings' Debt-to-EBITDA compare to JILL and ZUMZ?
According to the Retail - Cyclical industry distribution chart, Torrid Holdings ranks #726 out of 911 companies for Debt-to-EBITDA. This places Torrid Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 2.32. Torrid Holdings' value of 4.77 is 105.6% above this benchmark. Historically, Torrid Holdings' own Debt-to-EBITDA has ranged from 3.02 to 5.41 over the past decade. While the company's 10-year median is 3.82 vs. the industry median of 2.32, Torrid Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.32, based on 911 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Torrid Holdings's current Debt-to-EBITDA of 4.77 is 105.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Torrid Holdings. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Torrid Holdings's current Debt-to-EBITDA is 4.77, which is 25% above median its own 10-year median of 3.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Torrid Holdings stock overvalued right now?
Based on GuruFocus' analysis, Torrid Holdings (CURV) is currently considered Possible Value Trap. The stock's GF Value™ is $3.31, compared to a current price of $2.29 — trading 30.8% below its estimated fair value. The current Debt-to-EBITDA is 4.77, which is 25% above median its 10-year median of 3.82 and 105.6% above the Retail - Cyclical industry median of 2.32. Torrid Holdings' overall GF Score™ is 45/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Torrid Holdings (CURV), the current Debt-to-EBITDA is 4.77 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Torrid Holdings (CURV) Overvalued in 2026?
Based on GuruFocus' analysis, Torrid Holdings stock appears to be undervalued.
The current stock price of $2.29 is trading 30.8% below its estimated GF Value™ of $3.31.
GuruFocus considers Torrid Holdings to be Possible Value Trap.
Key valuation signals for CURV:
Debt-to-EBITDA: 4.77 (25% above median its 10-year median of 3.82)
GF Value™: $3.31 vs. price of $2.29 (30.8% below fair value)
Industry Position: 105.6% above the Retail - Cyclical median (#726 of 911)
No single metric tells the full story. See the CURV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Torrid Holdings Inc is a direct-to-consumer brand in North America dedicated to offering a diverse assortment of stylish apparel, intimates, and accessories skillfully designed for curvy women. Its extensive collection features high-quality merchandise, including tops, bottoms, denim, dresses, intimates, activewear, footwear, and accessories. The company has one reportable segment, which includes the operation of its e-Commerce platform and stores.
45GF Score
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