VRM · Vroom, Inc.
Vroom, Inc., through its subsidiaries, operates as an automotive finance company. It offers vehicle financing to its customers through third party dealers under the UACC brand. The company also provides an artificial intelligence-powered analytics and digital services platform for automotive dealers, automotive financial services companies, and automotive industry. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. Vroom, Inc. was incorporated in 2012 and is based in Fort Worth, Texas.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $7.08 |
| SO | 5.2M |
| Options | 0.3M |
| Warrants | 1.8M |
| FD SO | 7.3M |
| MC | $52.0M |
| Cash | $14.5M |
| Total debt | $578.0M ⚠ |
| EV | $615.5M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 2.9x |
| EV / EBITDA | — |
| MC / Net Income | — |
| EV / FCF | 8.8x |
| MC / FCF | 0.7x |
| Ownership & coverage | |
|---|---|
| Institutional | 94.3% |
| Insiders | 3.5% |
| # Institutions | 73 |
| Analysts | 0 |
| Consensus | — |
| Avg target | — |
| Short % float | 3.6% |
| Days to cover | 0.79 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-12. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-07-13 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-06-29; the float denominator can be unreliable on tiny floats.
Debt figure uncertain — $169.0M of liabilities are neither recognized debt nor a named non-debt item. Verify against the filing before relying on EV.
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 49.67 | 51.83 | 54.34 | 54.56 |
| Revenue YoY % | 4.9% | (9.3%) | (10.8%) | (10.4%) |
| SG&A | 31.79 | 27.02 | 24.82 | 30.80 |
| Interest Expense | 1.21 | 0.91 | 0.71 | 0.70 |
| Pretax Income | (18.85) | (11.58) | (27.00) | (8.87) |
| Tax Provision | 0.19 | (0.06) | 0.14 | 0.06 |
| Net Income | (19.05) | (11.52) | (27.14) | (8.93) |
| Net Income to Common | (19.06) | — | (26.78) | (8.52) |
| Net Margin % | (38.3%) | (22.2%) | (50.0%) | (16.4%) |
| Diluted EPS | -$3.77 | -$2.20 | -$5.15 | -$1.65 |
| Basic EPS | -$3.77 | -$2.20 | -$5.15 | -$1.65 |
| Diluted Avg Shares | 5.2 | — | 5.2 | 5.2 |
| Basic Avg Shares | 5.2 | — | 5.2 | 5.2 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 210.41 | 208.10 | 228.18 | 253.61 | 1,948.90 |
| Revenue YoY % | 1.1% | (8.8%) | (10.0%) | (87.0%) | — |
| Cost of Revenue | — | — | — | 91.66 | 1,704.11 |
| Gross Profit | — | — | — | 161.95 | 244.79 |
| Gross Profit YoY % | — | — | — | (33.8%) | — |
| Gross Margin % | — | — | — | 63.9% | 12.6% |
| SG&A | 114.43 | 114.04 | 180.78 | 0.00 | 566.39 |
| Operating Expense | — | — | — | 161.95 | 816.55 |
| Operating Income | — | — | — | 0.00 | (571.76) |
| Operating Income YoY % | — | — | — | 100.0% | — |
| Operating Margin % | — | — | — | 0.0% | (29.3%) |
| EBITDA | — | — | — | 29.11 | (533.06) |
| EBITDA Margin % | — | — | — | 11.5% | (27.4%) |
| Interest Expense | 3.53 | 2.80 | 5.83 | 45.45 | 40.69 |
| Other Income / (Expense) | — | — | — | (39.01) | 140.87 |
| Pretax Income | (66.31) | (53.75) | (137.38) | (84.45) | (471.59) |
| Tax Provision | 0.34 | 0.29 | 0.86 | 0.64 | (19.68) |
| Net Income | (66.64) | (54.05) | (138.24) | (85.10) | (451.91) |
| Net Income to Common | (65.76) | (53.05) | (165.12) | (364.61) | (450.46) |
| Net Margin % | (31.7%) | (26.0%) | (60.6%) | (33.6%) | (23.2%) |
| Diluted EPS | -$12.77 | -$10.24 | -$91.07 | -$209.17 | -$261.31 |
| Basic EPS | -$12.77 | -$10.24 | -$91.07 | -$209.17 | -$261.31 |
| Diluted Avg Shares | 5.2 | 5.2 | 1.8 | 1.7 | 1.7 |
| Basic Avg Shares | 5.2 | 5.2 | 1.8 | 1.7 | 1.7 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 14.48 | 10.38 | 12.41 | 14.26 |
| Net PPE | 7.42 | 6.74 | 5.64 | 3.96 |
| Operating Lease ROU | 5.53 | 5.79 | 6.07 | 6.34 |
| Intangible Assets | 11.89 | 12.37 | 12.85 | 13.32 |
| Other Assets | 898.50 | 902.10 | 912.23 | 941.88 |
| Total Assets | 937.82 | 937.38 | 949.19 | 979.75 |
| Long-term Debt | 577.97 | 423.20 | 492.14 | 563.70 |
| Other Liabilities | 240.22 | 397.57 | 330.43 | 264.11 |
| Total Liabilities | 818.19 | 820.77 | 822.58 | 827.81 |
| Mezzanine Equity | 21.22 | — | — | — |
| Retained Earnings | (72.68) | (53.05) | (41.65) | (14.87) |
| Total Equity | 98.42 | 116.62 | 126.61 | 151.94 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 14.48 | 10.38 | 29.34 | 135.59 | 398.92 |
| Receivables | — | — | — | 9.14 | 0.00 |
| Inventory | — | — | — | 163.25 | 320.65 |
| Other Current Assets | — | — | — | 644.66 | 94.67 |
| Total Current Assets | — | — | — | 952.64 | 814.23 |
| Net PPE | 7.42 | 6.74 | 4.06 | 4.98 | 4.47 |
| Operating Lease ROU | 5.53 | 5.79 | 6.87 | 7.06 | 2.55 |
| Goodwill | — | — | — | 0.00 | 0.00 |
| Intangible Assets | 11.89 | 12.37 | 104.87 | 131.89 | 158.91 |
| Other Assets | 898.50 | 902.10 | 921.55 | 378.85 | 638.87 |
| Total Assets | 937.82 | 937.38 | 1,066.70 | 1,475.42 | 1,619.03 |
| Accounts Payable | — | — | — | 26.76 | 0.00 |
| Current Debt | — | — | — | 172.41 | 47.24 |
| Current Lease Liabilities | — | — | — | 8.74 | 0.00 |
| Other Current Liabilities | — | — | — | 648.90 | 182.28 |
| Total Current Liabilities | — | — | — | 856.81 | 229.52 |
| Long-term Debt | 577.97 | 423.20 | 381.37 | 454.17 | 402.15 |
| Long-term Lease Liabilities | — | — | — | 10.46 | 5.23 |
| Other Liabilities | 240.22 | 397.57 | 716.27 | 26.31 | 502.29 |
| Total Liabilities | 818.19 | 820.77 | 1,097.64 | 1,347.75 | 1,139.19 |
| Mezzanine Equity | 21.22 | — | — | — | — |
| Retained Earnings | (72.68) | (53.05) | (2,125.84) | (1,960.71) | (1,596.10) |
| Total Equity | 98.42 | 116.62 | (30.95) | 127.67 | 479.83 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | (19.05) | (11.52) | (27.14) | (8.93) |
| D&A | 1.34 | 1.03 | 1.00 | 0.74 |
| Stock-Based Comp | 1.43 | 1.41 | 1.44 | 1.84 |
| Δ Working Cap & Other | 34.69 | 30.32 | 44.09 | 24.03 |
| Operating Cash Flow | 18.41 | 21.25 | 19.39 | 17.68 |
| CapEx | (1.54) | (1.67) | (2.20) | (1.72) |
| Other Investing | (27.51) | (22.35) | (15.67) | (16.87) |
| Investing Cash Flow | (29.05) | (24.01) | (17.87) | (18.59) |
| Other Financing | 18.04 | 1.63 | (1.25) | 0.51 |
| Financing Cash Flow | 18.04 | 1.63 | (1.25) | 0.51 |
| Free Cash Flow | 16.87 | 19.58 | 17.19 | 15.96 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | (66.64) | (54.05) | (138.24) | (85.10) | (451.91) |
| D&A | 4.12 | 3.35 | 29.09 | 29.11 | 38.71 |
| Stock-Based Comp | 6.12 | 5.18 | 5.88 | 6.89 | 11.96 |
| Δ Working Cap & Other | 133.13 | 120.67 | 6.23 | (484.59) | 292.18 |
| Operating Cash Flow | 76.72 | 75.15 | (97.04) | (533.68) | (109.06) |
| CapEx | (7.13) | (7.06) | (3.49) | (2.62) | (24.23) |
| Acquisitions | — | — | — | — | (267.49) |
| Other Investing | (82.40) | (101.11) | 136.06 | 175.78 | 127.51 |
| Investing Cash Flow | (89.53) | (108.17) | 132.57 | 173.15 | (164.21) |
| Stock Issuance | — | — | — | 2.40 | — |
| Other Financing | 18.93 | 37.88 | (165.99) | 94.94 | (469.49) |
| Financing Cash Flow | 18.93 | 37.88 | (165.99) | 97.34 | (469.49) |
| Free Cash Flow | 69.60 | 68.09 | (100.52) | (536.31) | (133.30) |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 8.31 | 7.04 | 6.50 | 5.45 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | 563.49 | 412.81 | 479.73 | 549.44 |
| ROE % | (19.4%) | (9.9%) | (21.4%) | (5.9%) |
| ROA % | (2.0%) | (1.2%) | (2.9%) | (0.9%) |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | 1.11 | 3.55 |
| Quick Ratio | — | — | — | 0.92 | 2.15 |
| Debt / Equity | 8.31 | 7.04 | -35.47 | 10.56 | 2.37 |
| EBITDA Margin % | — | — | — | 11.5% | (27.4%) |
| Working Capital | — | — | — | 95.83 | 584.71 |
| Net Debt | 563.49 | 412.81 | 352.02 | 318.59 | 3.24 |
| ROE % | (67.7%) | (46.3%) | 446.7% | (66.7%) | (94.2%) |
| ROA % | (7.1%) | (5.8%) | (13.0%) | (5.8%) | (27.9%) |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-06-16 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-15 | P | 15,595 | $7.22 | $112,596 |
| 2026-06-16 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-15 | P | 15,595 | $0.01 | $156 |
| 2026-06-16 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-15 | P | 15,595 | $7.22 | $112,596 |
| 2026-06-16 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-15 | P | 15,595 | $0.01 | $156 |
| 2026-06-15 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-15 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-15 | Patel Nikul | Director | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-12 | MYLOD ROBERT J JR | Director | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-12 | Crow Timothy M | Director | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-12 | Krakowiak Robert R. | Director | 2026-06-11 | A | 9,832 | — | $0 |
| 2026-06-05 | MYLOD ROBERT J JR | Director | 2026-05-29 | A | 0 | — | $0 |
| 2026-06-05 | MYLOD ROBERT J JR | Director | 2026-05-29 | A | 0 | — | $0 |
| 2026-06-05 | MYLOD ROBERT J JR | Director | 2026-05-14 | A | 0 | — | $0 |
| 2026-06-05 | MYLOD ROBERT J JR | Director | 2026-05-14 | A | 0 | — | $0 |
| 2026-06-03 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-05-29 | A | 0 | — | $0 |
| 2026-06-03 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-05-29 | A | 0 | — | $0 |
| 2026-06-03 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-05-14 | A | 0 | — | $0 |
| 2026-06-03 | Mudrick Capital Management, L.P. | Director, 10% Owner | 2026-05-14 | A | 0 | — | $0 |
| 2026-05-12 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2026-05-08 | S | (35) | $12.20 | -$427 |
| 2026-03-24 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2026-03-20 | S | (18) | $12.07 | -$217 |
| 2026-03-24 | Benzaquen Jacob Shlomo | Officer (Principal Accounting Officer) | 2026-03-20 | S | (7) | $12.07 | -$84 |
| 2026-03-13 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2026-03-11 | F | (98) | $12.77 | -$1,251 |
| 2026-03-13 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2026-03-11 | F | (2,072) | $12.77 | -$26,459 |
| 2026-03-13 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2026-03-11 | F | (1,366) | $12.77 | -$17,444 |
| 2026-03-13 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2026-03-11 | F | (204) | $12.77 | -$2,605 |
| 2025-09-17 | Benzaquen Jacob Shlomo | Officer (Principal Accounting Officer) | 2025-09-15 | S | (3) | $26.07 | -$78 |
| 2025-09-02 | MYLOD ROBERT J JR | Director | 2025-08-29 | A | 0 | — | $0 |
| 2025-09-02 | MYLOD ROBERT J JR | Director | 2025-08-29 | A | 0 | — | $0 |
| 2025-06-16 | Patel Nikul | Director | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-16 | O'Shaughnessy Laura | Director | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-16 | MYLOD ROBERT J JR | Director | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-16 | Krakowiak Robert R. | Director | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-16 | Crow Timothy M | Director | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-12 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-12 | A | 3,796 | — | $0 |
| 2025-06-12 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-11 | P | 3,649 | $28.00 | $102,168 |
| 2025-06-12 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-10 | P | 13 | $28.00 | $364 |
| 2025-06-09 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-09 | P | 1,790 | $27.99 | $50,097 |
| 2025-06-09 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-06 | P | 1,781 | $27.99 | $49,854 |
| 2025-06-09 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-05 | P | 999 | $24.48 | $24,451 |
| 2025-06-04 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-04 | P | 4,788 | $25.80 | $123,516 |
| 2025-06-04 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-03 | P | 1,000 | $24.88 | $24,883 |
| 2025-06-04 | Mudrick Capital Management, L.P. | 10% Owner | 2025-06-02 | P | 1,000 | $24.13 | $24,129 |
| 2025-05-30 | Benzaquen Jacob Shlomo | Officer (Principal Accounting Officer) | 2025-05-28 | S | (8) | $23.65 | -$189 |
| 2025-05-30 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-05-28 | S | (12) | $23.65 | -$284 |
| 2025-05-19 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-05-15 | S | (40) | $26.88 | -$1,075 |
| 2025-05-19 | Sandison Jonathan | Officer (CFO, Vroom and UACC) | 2025-05-15 | S | (90) | $26.88 | -$2,419 |
| 2025-05-19 | Zakowicz Agnieszka | Officer (Chief Financial Officer) | 2025-05-15 | S | (383) | $26.88 | -$10,296 |
| 2025-04-28 | Patel Nikul | Director | 2025-04-24 | A | 2,874 | — | $0 |
| 2025-04-28 | Patel Nikul | Director | 2025-04-24 | A | 393 | — | $0 |
| 2025-03-20 | O'Shaughnessy Laura | Director | 2025-01-14 | A | 264 | $60.95 | $16,091 |
| 2025-03-20 | Lang Laura W | Director | 2025-01-14 | A | 246 | $60.95 | $14,994 |
| 2025-03-20 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-01-14 | A | 136 | $60.95 | $8,289 |
| 2025-03-20 | MYLOD ROBERT J JR | Director | 2025-01-14 | A | 2,669 | $60.95 | $162,676 |
| 2025-03-20 | MYLOD ROBERT J JR | Director | 2025-01-14 | A | 13,171 | $60.95 | $802,772 |
| 2025-03-17 | Zakowicz Agnieszka | Officer (Chief Financial Officer) | 2025-01-14 | A | 65 | $60.95 | $3,962 |
| 2025-03-14 | MYLOD ROBERT J JR | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | MYLOD ROBERT J JR | Director | 2025-03-12 | A | 83 | $60.95 | $5,059 |
| 2025-03-14 | Krakowiak Robert R. | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | Crow Timothy M | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | Sandison Jonathan | Officer (Chief Financial Officer, UACC) | 2025-03-12 | A | 40,991 | — | $0 |
| 2025-03-14 | Sandison Jonathan | Officer (Chief Financial Officer, UACC) | 2025-03-12 | A | 7,500 | $60.95 | $457,125 |
| 2025-03-14 | Sandison Jonathan | Officer (Chief Financial Officer, UACC) | 2025-03-12 | A | 7,500 | $45.70 | $342,750 |
| 2025-03-14 | Pretlow Paula B | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | Lang Laura W | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | Lang Laura W | Director | 2025-03-12 | A | 246 | $60.95 | $14,994 |
| 2025-03-14 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-03-12 | A | 30,473 | — | $0 |
| 2025-03-14 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-03-12 | A | 5,000 | $60.95 | $304,750 |
| 2025-03-14 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-03-12 | A | 5,000 | $45.70 | $228,500 |
| 2025-03-14 | Corrales Anna-Lisa Christina | Officer (CLO, CCO, Secretary) | 2025-03-12 | A | 136 | $60.95 | $8,289 |
| 2025-03-14 | O'Shaughnessy Laura | Director | 2025-03-12 | A | 3,820 | — | $0 |
| 2025-03-14 | O'Shaughnessy Laura | Director | 2025-03-12 | A | 264 | $60.95 | $16,091 |
| 2025-03-14 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2025-03-12 | A | 287,949 | — | $0 |
| 2025-03-14 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2025-03-12 | A | 129,700 | $60.95 | $7,905,215 |
| 2025-03-14 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2025-03-12 | A | 129,700 | $45.70 | $5,927,290 |
| 2025-03-14 | Mudrick Capital Management, L.P. | 10% Owner | 2025-03-12 | A | 5,390 | — | $0 |
| 2025-03-14 | Mudrick Capital Management, L.P. | 10% Owner | 2025-03-12 | A | 5,390 | — | $0 |
| 2025-03-14 | Krakowiak Robert R. | Director | 2025-01-14 | A | 89 | $60.95 | $5,425 |
| 2025-03-14 | Pretlow Paula B | Director | 2025-01-14 | A | 473 | $60.95 | $28,829 |
| 2025-03-14 | Shortt Thomas H | Director, Officer (Chief Executive Officer) | 2025-01-14 | A | 214 | $60.95 | $13,043 |
| 2024-12-02 | MYLOD ROBERT J JR | Director | 2024-11-27 | P | 50,000 | $5.23 | $261,730 |