Apparel - Retail
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CURV vs ANF
Revenue, margins, valuation, and 5-year total return — side by side.
Apparel - Retail
CURV vs ANF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Apparel - Retail | Apparel - Retail |
| Market Cap | $160M | $3.60B |
| Revenue (TTM) | $1.00B | $5.27B |
| Net Income (TTM) | $-7M | $507M |
| Gross Margin | 34.8% | 58.6% |
| Operating Margin | 2.1% | 13.4% |
| Forward P/E | — | 8.0x |
| Total Debt | $149M | $1.17B |
| Cash & Equiv. | $20M | $760M |
CURV vs ANF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jul 21 | May 26 | Return |
|---|---|---|---|
| Torrid Holdings Inc. (CURV) | 100 | 6.6 | -93.4% |
| Abercrombie & Fitch… (ANF) | 100 | 207.6 | +107.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CURV vs ANF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CURV is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.46
- Lower volatility, beta 0.46, current ratio 0.78x
- Beta 0.46, current ratio 0.78x
ANF carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 6.4%, EPS growth -2.2%, 3Y rev CAGR 12.5%
- 219.7% 10Y total return vs CURV's -93.7%
- 6.4% revenue growth vs CURV's -9.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 6.4% revenue growth vs CURV's -9.4% | |
| Quality / Margins | 9.6% margin vs CURV's -0.7% | |
| Stability / Safety | Beta 0.46 vs ANF's 1.42 | |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | +12.7% vs CURV's -70.9% | |
| Efficiency (ROA) | 15.1% ROA vs CURV's -1.7%, ROIC 31.4% vs 22.5% |
CURV vs ANF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
CURV vs ANF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
ANF leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
ANF is the larger business by revenue, generating $5.3B annually — 5.3x CURV's $1.0B. ANF is the more profitable business, keeping 9.6% of every revenue dollar as net income compared to CURV's -0.7%. On growth, ANF holds the edge at +5.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $1.0B | $5.3B |
| EBITDAEarnings before interest/tax | $75M | $862M |
| Net IncomeAfter-tax profit | -$7M | $507M |
| Free Cash FlowCash after capex | -$22M | $378M |
| Gross MarginGross profit ÷ Revenue | +34.8% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +2.1% | +13.4% |
| Net MarginNet income ÷ Revenue | -0.7% | +9.6% |
| FCF MarginFCF ÷ Revenue | -2.2% | +7.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -14.3% | +5.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -185.7% | +3.1% |
Valuation Metrics
CURV leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
On an enterprise value basis, ANF's 4.7x EV/EBITDA is more attractive than CURV's 13.5x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $160M | $3.6B |
| Enterprise ValueMkt cap + debt − cash | $290M | $4.0B |
| Trailing P/EPrice ÷ TTM EPS | -21.86x | 7.51x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.98x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 13.53x | 4.68x |
| Price / SalesMarket cap ÷ Revenue | 0.16x | 0.68x |
| Price / BookPrice ÷ Book value/share | — | 2.68x |
| Price / FCFMarket cap ÷ FCF | — | 9.52x |
Profitability & Efficiency
ANF leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), ANF scores 5/9 vs CURV's 3/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | — | +38.5% |
| ROA (TTM)Return on assets | -1.7% | +15.1% |
| ROICReturn on invested capital | +22.5% | +31.4% |
| ROCEReturn on capital employed | +11.4% | +30.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 |
| Debt / EquityFinancial leverage | — | 0.82x |
| Net DebtTotal debt minus cash | $129M | $409M |
| Cash & Equiv.Liquid assets | $20M | $760M |
| Total DebtShort + long-term debt | $149M | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.84x | 302.38x |
Total Returns (Dividends Reinvested)
ANF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ANF five years ago would be worth $19,266 today (with dividends reinvested), compared to $634 for CURV. Over the past 12 months, ANF leads with a +12.7% total return vs CURV's -70.9%. The 3-year compound annual growth rate (CAGR) favors ANF at 49.9% vs CURV's -26.4% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +44.3% | -36.6% |
| 1-Year ReturnPast 12 months | -70.9% | +12.7% |
| 3-Year ReturnCumulative with dividends | -60.1% | +237.1% |
| 5-Year ReturnCumulative with dividends | -93.7% | +92.7% |
| 10-Year ReturnCumulative with dividends | -93.7% | +219.7% |
| CAGR (3Y)Annualised 3-year return | -26.4% | +49.9% |
Risk & Volatility
Evenly matched — CURV and ANF each lead in 1 of 2 comparable metrics.
Risk & Volatility
CURV is the less volatile stock with a 0.46 beta — it tends to amplify market swings less than ANF's 1.42 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ANF currently trades 59.0% from its 52-week high vs CURV's 25.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.46x | 1.42x |
| 52-Week HighHighest price in past year | $6.08 | $133.11 |
| 52-Week LowLowest price in past year | $0.94 | $65.45 |
| % of 52W HighCurrent price vs 52-week peak | +25.2% | +59.0% |
| RSI (14)Momentum oscillator 0–100 | 35.2 | 33.0 |
| Avg Volume (50D)Average daily shares traded | 852K | 1.2M |
Analyst Outlook
CURV leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates CURV as "Hold" and ANF as "Hold". Consensus price targets imply 53.9% upside for ANF (target: $121) vs -1.3% for CURV (target: $2).
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $1.51 | $120.80 |
| # AnalystsCovering analysts | 10 | 55 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +12.5% |
ANF leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CURV leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
CURV vs ANF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CURV or ANF a better buy right now?
For growth investors, Abercrombie & Fitch Co.
(ANF) is the stronger pick with 6. 4% revenue growth year-over-year, versus -9. 4% for Torrid Holdings Inc. (CURV). Abercrombie & Fitch Co. (ANF) offers the better valuation at 7. 5x trailing P/E (8. 0x forward), making it the more compelling value choice. Analysts rate Torrid Holdings Inc. (CURV) a "Hold" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — CURV or ANF?
Over the past 5 years, Abercrombie & Fitch Co.
(ANF) delivered a total return of +92. 7%, compared to -93. 7% for Torrid Holdings Inc. (CURV). Over 10 years, the gap is even starker: ANF returned +219. 7% versus CURV's -93. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — CURV or ANF?
By beta (market sensitivity over 5 years), Torrid Holdings Inc.
(CURV) is the lower-risk stock at 0. 46β versus Abercrombie & Fitch Co. 's 1. 42β — meaning ANF is approximately 211% more volatile than CURV relative to the S&P 500.
04Which is growing faster — CURV or ANF?
By revenue growth (latest reported year), Abercrombie & Fitch Co.
(ANF) is pulling ahead at 6. 4% versus -9. 4% for Torrid Holdings Inc. (CURV). On earnings-per-share growth, the picture is similar: Abercrombie & Fitch Co. grew EPS -2. 2% year-over-year, compared to -146. 7% for Torrid Holdings Inc.. Over a 3-year CAGR, ANF leads at 12. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — CURV or ANF?
Abercrombie & Fitch Co.
(ANF) is the more profitable company, earning 9. 6% net margin versus -0. 7% for Torrid Holdings Inc. — meaning it keeps 9. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ANF leads at 13. 3% versus 2. 1% for CURV. At the gross margin level — before operating expenses — ANF leads at 58. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is CURV or ANF more undervalued right now?
Analyst consensus price targets imply the most upside for ANF: 53.
9% to $120. 80.
07Which pays a better dividend — CURV or ANF?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is CURV or ANF better for a retirement portfolio?
For long-horizon retirement investors, Torrid Holdings Inc.
(CURV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 46)). Both have compounded well over 10 years (CURV: -93. 7%, ANF: +219. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between CURV and ANF?
Both stocks operate in the Consumer Cyclical sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CURV is a small-cap quality compounder stock; ANF is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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