Personally, it's a bit too tutorialized. Which means you got the skills, but I don't feel you have added something to it, and sadly it ends up abit too generic. The image is warm (/hot), energetic, which you could say the stock-image is too, but actually it doesn't really does that. It's "hot" because it's a retouched nude girl there. Why is she covering up? I think it would be better if she didn't - and you could, if you want cover it up with a glowing line or whatever
Just throwing some thoughts here, it's a nice image but, as I said it misses something to step out of "tutorialized" and up to "individual"
Hope that helps, and welcome to the forum!