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Vroom

(NASDAQ) VRM

Current Price$7.17
Market Cap$37.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2025)-77%
5 Year-100%
1 Year-74%
1 Month-9%
Vroom last closing stock price
MetricPriceDate
Last closeUSD 7.192026-07-16
Vroom stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.14%USD 7.202026-07-09
1 month-8.76%USD 7.882026-06-16
3 month-53.4%USD 15.432026-04-17
Year to date-63.83%USD 19.882025-12-31
1 year-74.19%USD 27.862025-07-16
3 year-95.59%USD 163.202023-07-17
5 year-99.76%USD 3,052.002021-07-16
Since inception-76.81%USD 31.002025-02-20

Vroom Financials at a Glance

Market Cap

$37.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$53.36M

Net Income (TTM)

-$65.76M

EPS (TTM)

-$12.91

P/E Ratio

-0.56

Dividend

$0.00

Beta (Volatility)

1.77 (High)

Price

$7.17

Volume

644.081

Open

$7.13

Previous Close

$7.19

Daily Range

$7.13 - $7.13

52-Week Range

$6.90 - $30.00

Estimated Earnings Date

Aug 6, 2026

VRM News

No articles available.

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About Vroom

Vroom helps people get car loans and dealers use data to price cars. Its finance arm offers loans to buyers with less-than-perfect credit. Dealers use its analytics to understand car values and market trends.

Products and Services

  • UACC Vehicle Financing: Indirect auto loans for consumers, mainly with non-prime or near-prime credit, through a network of dealers. UACC is the primary business segment by revenue.
  • Ancillary Finance Products: Vehicle service contracts and asset protection sold alongside loans, targeting car buyers seeking extra coverage.
  • CarStory Analytics: AI-powered tools for dealers and lenders, offering pricing, market data, and vehicle history insights.
  • Dealer Services: Digital platforms and mobile apps for loan servicing, collections, and dealer management.

Growth and Expansion

  • Acquired United Auto Credit Corporation in 2021 to enter auto finance.
  • Acquired CarStory in 2021 to add AI analytics for dealers.
  • Exited e-commerce used car sales in early 2024 to focus on finance and analytics.
  • Launched new automated underwriting engine and credit-scoring model in 2025.
  • Expanded into near-prime lending and upgraded dealer technology in 2024-2025.

What Makes Vroom Stand Out

Vroom combines auto finance with advanced data analytics for dealers. Its UACC unit serves thousands of dealers in 49 states, focusing on borrowers often overlooked by banks. CarStory’s large vehicle database and AI tools help dealers price and market cars more effectively.

Five Things You Need to Know

  • Revenue was $140 million in Q3 2025, up 725.9% from Q3 2024.
  • Net loss improved to $54 million in 2025, from $138.2 million in 2024.
  • UACC manages a $950 million loan portfolio with 76,000 contracts as of December 2025.
  • CarStory revenue fell 36.7% in 2025 due to customer losses and market shifts.
  • Cash flow from operations turned positive in 2025, reaching $71.8 million.

Bottom Line

Vroom has shifted from online car sales to focus on auto finance and analytics. The company’s recent changes show adaptability and a new direction in a challenging market.

AI Generated • Apr 16, 2026

Industry

Consumer Finance

Sector

Financials

Employees

655

CEO

Thomas H. Shortt

Website

www.vroom.com

Headquarters

New York City, NY 10018, US

VRM Financials

Key Financial Metrics (TTM)

Gross Margin

49.06%

Operating Margin

-86.19%

Net Income Margin

-123.22%

Return on Equity

-53.29%

Return on Capital

0.02%

Return on Assets

-7.01%

Earnings Yield

-1.79%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$37.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.23M

Volume

644.081

Avg. Volume

25.74K

Financials (TTM)

Gross Profit

$26.18M

Operating Income

-$45.99M

EBITDA

$8.47M

Operating Cash Flow

$76.94M

Capital Expenditure

-$7.13M

Free Cash Flow

$69.81M

Cash & ST Invst.

$14.48M

Total Debt

$774.78M

Vroom Performance Analysis

Vroom annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,948,901,000-38.8%
20232023-12-31USD 0N/A
20242024-12-31USD 0N/A
20252025-12-31USD 112,273,000N/A
Vroom sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30N/A
Q32025-09-30N/A
Q42025-12-31N/A
Q12026-03-31-11.9%
Vroom annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -262.1520.5%
20232023-12-31USD -209.17-20.2%
20242024-12-31USD -91.07-56.5%
20252025-12-31USD -1.53-98.3%
Vroom sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-34.1%
Q32025-09-30-212.1%
Q42025-12-3157.5%
Q12026-03-31-72.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$24.99M

N/A

Gross Profit

$19.15M

+219.2%

Gross Margin

76.63%

N/A

Market Cap

$37.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$57.45K

N/A

Employees

655

N/A

Net Income

-$19.06M

-200.1%

EBITDA

-$4.24M

-171.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$14.48M

-0.6%

Total Debt

$774.78M

-0.6%

Accounts Receivable

$816.14M

-6.3%

Inventory

$0.00

N/A

Long Term Debt

$746.28M

+12.1%

Short Term Debt

$28.50M

-75.0%

Return on Assets

-7.01%

N/A

Return on Invested Capital

-5.06%

N/A

Free Cash Flow

$17.09M

+11.2%

Operating Cash Flow

$18.63M

+10.6%

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Questions About VRM

What is the current price of Vroom?

Vroom is trading at $7.13 per share.

What is the 52-week range for Vroom?

Over the past 52 weeks, Vroom has traded between $6.90 and $30.00.

How much debt does Vroom have?

As of the most recent reporting period, Vroom reported total debt of $774.78M.

How much cash does Vroom have on hand?

Vroom reported $73.70M in cash and cash equivalents in its most recent financial results.

What is Vroom’s dividend yield?

Vroom does not currently have a dividend yield.

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