Torrid vs Cardlytics

This page compares Torrid and Cardlytics, examining business models, financial performance, and market context. It provides neutral, accessible information to help readers understand key factors without judgement or recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CURV

Metric

CDLX

$119.04M

Market Cap

$62.17M

30.53%

Potential Profit

160.56%

Hold

Analyst Rating

Hold

Investment Analysis

Torrid

CURV

Pros

Torrid has a direct-to-consumer business model with a strong focus on apparel, intimates, and accessories targeting North American women aged 25 to 40.
The company slightly exceeded revenue forecasts in its second quarter 2025, generating $262.8 million, signaling some resilience amid difficult retail conditions.
Management is making strategic plans to close underperforming stores (up to 8%), aiming to improve overall operational efficiency and focus on profitable locations.

Considerations

Torrid’s financial performance shows margin pressures and a decline in profitability, with management lowering fiscal 2025 sales guidance to about $1.015-$1.030 billion.
The stock price has significantly declined over the past year, dropping nearly 70%, reflecting ongoing concerns about weak sales growth and low returns on capital.
High valuation multiples paired with flat sales and earnings guidance point to limited near-term upside amid ongoing sales and margin pressures.

Cardlytics

CDLX

Pros

Cardlytics benefits from a unique position in offering purchase intelligence and cashback marketing services to banks and merchants.
The company has demonstrated growth driven by increased digital advertising demand and expansion of partnership banks.
Cardlytics’s data-driven platform provides valuable consumer spending insights, a key asset in targeting advertising and improving campaign effectiveness.

Considerations

Cardlytics faces significant execution risks from dependence on large bank partnerships and potential regulatory scrutiny of consumer data usage.
The company’s financial results have shown volatility in revenue growth and operating losses, raising concerns about sustained profitability.
Macroeconomic factors, including reduced consumer spending and advertising budgets, could negatively impact Cardlytics’s revenue growth and client acquisition.

About The Companies

Torrid (CURV)

Torrid Holdings Inc. is a North American direct-to-consumer retailer specialising in apparel, intimates, and accessories for women sizes 10 to 30. The company prides itself on its focus on fit, designing most of its products in-house under brand names like Torrid and CURV. It operates through what it calls a 'unified commerce platform', blending its popular e-commerce website and mobile app with a network of over 600 physical stores across the US, Canada, and Puerto Rico. This model aims to offer a seamless shopping experience, whether a customer is browsing online or visiting a store in a shopping mall. By controlling its design and distribution, Torrid aims to build a strong connection with its target audience in the plus-size fashion market. As with any retail stock, its performance can be influenced by consumer spending habits and fashion trends.

Cardlytics (CDLX)

Cardlytics, Inc. operates a digital advertising platform that connects marketers with millions of bank customers. Through its partnerships with financial institutions in the United States and the United Kingdom, Cardlytics provides a channel for brands to deliver targeted advertising and reward offers directly within a bank's digital environment. When a customer makes a qualifying purchase, they receive cash back, which is funded by the fees Cardlytics collects from the marketers. This model aims to help businesses acquire new customers and increase loyalty with existing ones by using transaction data to inform campaigns. The company also operates the Bridg platform, a customer data platform that utilises point-of-sale data to offer deeper insights. For investors, Cardlytics represents a play on the convergence of financial technology, data analytics, and digital marketing, though its performance can be subject to changes in advertising spend and consumer behaviour.

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Torrid vs Cardlytics

Comparison Snapshot

Investment Analysis

Torrid

Pros

Considerations

Cardlytics

Pros

Considerations

About The Companies

Buy CURV or CDLX in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Torrid vs Kandi Technologies

Torrid vs Duluth Trading

Torrid vs Fossil Group

Frequently asked questions

What does it mean when a company operates a direct-to-consumer model like Torrid?

How should I interpret ‘revenue forecasts’ and why might management lower guidance?

What is meant by ‘margin pressure’ and why does it matter for Torrid?

How do you compare profitability between Torrid and Cardlytics based on the information provided?

What does ‘revenue growth’ tell us about these two stocks?

Why are valuation multiples important when assessing Torrid and Cardlytics?

What market conditions could impact these two companies differently?

How do partnership stability and ecosystem dynamics influence Cardlytics?

What should a beginner look at when interpreting the ‘pros’ and ‘cons’ lists for these stocks?

What is meant by a ‘neutral, accessible’ educational approach on this page?

Comparison Snapshot

About The Companies