Company Overview
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.
Why Investors Should Care
Net profit has compounded at 29.4% per year over the last five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $6.91M (-40.4% YoY); net profit $-53.05M.
- Trailing 12 Months Year-on-year growth — revenue -10.6%.
- 5-Year Trend Long-term compounding — revenue CAGR -84.7%, profit CAGR 29.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -84.75% |
| 1 Year: | -10.60% |
Compounded Profit Growth
| 5 Years: | 29.42% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -74.12% |
| 6 Months: | -60.01% |
| 3 Months: | -52.63% |
| 1 Month: | -6.11% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)39.05 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 29.4% over 5 years.
- Generates positive free cash flow.
CONS
- Revenue declined at -84.7% CAGR over 5 years.
- Trading 75.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VRM Vroom, Inc. R2K | 7.37 | -0.57 | $38.38M | 0.00% | -0.07% | -48.31% | -84.75% | 29.42% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 260.90M | 340.27M | 375.77M | 253.09M | 323.00M | 591.12M | 761.89M | 896.76M | 923.77M | 475.44M | 340.80M | 196.47M | 225.18M | 235.63M | - | - | - | - | 0 | 0 | 0 | 6.91M | 0 |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 16.07M | - | 16.29M | - | 19.15M |
| Gross Profit | - | 13.85M | 15.67M | 18.39M | 7.61M | 25.45M | 36.18M | 63.13M | 58.09M | 81.64M | 66.36M | 67.33M | 38.80M | 46.00M | 48.09M | - | - | - | - | -16.07M | - | -16.29M | - | -19.15M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.92M | 23.85M | 2.54M | 74.23M | 5.86M |
| Operating Income | - | -31.35M | -36.78M | -40.96M | -41.39M | -36.87M | -75.53M | -63.83M | -94.00M | -315.91M | -100.08M | -78.16M | -68.26M | -52.61M | -42.50M | - | - | - | - | -21.99M | -23.85M | -18.82M | -13.87M | -25.01M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.92M | 5.71M | -11.98M | 3.29M | -4.24M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 11.65M | 13.84M | 14.02M | 13.84M | 13.27M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -6.30M | -8.87M | -27.00M | -11.58M | -18.85M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 150.00K | 59.00K | 144.00K | -59.00K | 192.00K |
| Net Income | -27.14M | -33.34M | -39.76M | -41.06M | -63.23M | -37.85M | -77.19M | -65.81M | -98.12M | -310.46M | -115.09M | -51.13M | -74.74M | -66.04M | -82.73M | -67.62M | -21.19M | -39.74M | - | -6.35M | -8.52M | -26.78M | -11.40M | -19.06M |
| Diluted EPS | - | - | - | - | - | - | - | - | -0.72 | -2.26 | -0.83 | -0.37 | -43.16 | -37.97 | -47.38 | -37.68 | -11.77 | -21.99 | -20.07 | -1.23 | -1.65 | -5.15 | - | -3.77 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 855.43M | 1.19B | 1.36B | - | 1.95B | 12.38M | 11.61M | 6.91M |
| Cost of Revenue | - | - | - | 2.98B | 1.70B | 731.26M | - | - |
| Gross Profit | 60.81M | 57.86M | 71.55M | 202.10M | 244.79M | 12.38M | 11.61M | - |
| Operating Expenses | - | - | - | - | 604.68M | 130.37M | 138.41M | 85.44M |
| Operating Income | -79.89M | -133.15M | -178.60M | - | -359.89M | -117.98M | -126.80M | -78.53M |
| EBITDA | - | - | - | - | -392.19M | -7.47M | -43.11M | 2.94M |
| Interest Expense | - | - | - | - | 40.69M | 47.87M | 65.19M | 53.35M |
| Pretax Income | - | - | - | - | -471.59M | -84.45M | -137.38M | -53.75M |
| Tax Provision | - | - | - | - | -19.68M | 123.00K | 856.00K | 294.00K |
| Net Income | -85.18M | -142.98M | -202.80M | - | -451.91M | -364.61M | -165.12M | -53.05M |
| Diluted EPS | - | - | -2.76 | - | -262.40 | -209.17 | -91.07 | -10.24 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Feb 2024 | Dec 2024 | Jan 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 563.39M | 1.72B | - | 1.62B | 1.48B | - | 1.07B | 955.70M | 937.38M |
| Current Assets | - | - | - | - | - | 1.22B | 1.27B | - | 915.42M | - | 887.81M |
| Cash & Equivalents | - | - | 217.73M | 1.06B | - | 398.92M | 135.59M | 94.00M | 29.34M | 35.35M | 10.38M |
| Inventory | - | - | - | - | 726.38M | 320.65M | 163.25M | - | - | - | - |
| Receivables | - | - | - | - | 105.43M | 13.97M | 9.14M | - | - | - | - |
| Total Liabilities | - | - | 262.91M | 496.95M | - | 1.14B | 1.35B | - | 1.10B | 791.22M | 820.77M |
| Current Liabilities | - | - | 259.83M | 482.71M | - | 703.32M | 659.27M | - | 368.84M | - | 344.86M |
| Long Term Debt | - | - | - | - | - | 402.15M | 626.58M | - | 381.37M | 365.96M | 433.20M |
| Total Debt | - | - | - | - | - | 985.76M | 1.06B | - | 752.34M | - | 779.49M |
| Total Equity | -201.50M | -296.87M | -573.85M | 1.23B | - | 475.24M | 127.67M | - | -30.95M | 164.49M | 116.62M |
| Shares Outstanding | - | - | - | - | - | 1.73M | 1.79M | - | 1.82M | - | 5.20M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -64.91M | -215.64M | -355.25M | - | -109.06M | -533.68M | -97.04M | 75.15M |
| Investing Cash Flow | 12.79M | -3.53M | -11.33M | - | -164.21M | 173.15M | 132.57M | -108.17M |
| Financing Cash Flow | 132.38M | 275.24M | 1.24B | - | -469.49M | 97.34M | -165.99M | 37.88M |
| Capital Expenditure | -2.06M | -3.53M | -11.33M | - | -24.23M | -2.62M | -3.49M | -7.06M |
| Free Cash Flow | -66.97M | -219.16M | -366.58M | - | -133.30M | -536.31M | -100.52M | 68.09M |
| Net Change in Cash | - | - | - | - | -742.76M | -263.19M | -130.45M | 4.86M |
| Share Buybacks | - | 5.82M | 1.82M | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | 7.1% | 4.9% | 5.3% | - | 12.6% | 100.0% | 100.0% | - |
| Operating Margin % | -9.3% | -11.2% | -13.2% | - | -18.5% | -952.7% | -1,092.2% | -1,135.8% |
| Net Margin % | -10.0% | -12.0% | -14.9% | - | -23.2% | -2,944.2% | -1,422.3% | -767.3% |
| ROE % | 28.7% | 24.9% | -16.5% | - | -95.1% | -285.6% | 533.6% | -45.5% |
| ROCE % | - | -43.9% | -14.4% | - | -39.3% | -14.5% | -18.2% | -13.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Mudrick Capital Management, L.P. | 75.80% | 3.97M | $31.46M |
| 2 | Silverback Asset Management Llc | 8.37% | 437.94K | $3.47M |
| 3 | Bank of America Corporation | 4.78% | 250.03K | $1.98M |
| 4 | Miller Value Partners, LLC | 1.12% | 58.49K | $463.81K |
| 5 | Marshall Wace LLP | 0.93% | 48.47K | $384.38K |
| 6 | Blackrock Inc. | 0.80% | 41.95K | $332.69K |
| 7 | Geode Capital Management, LLC | 0.57% | 29.90K | $237.13K |
| 8 | Catterton Management Company, L.L.C. | 0.44% | 23.01K | $182.49K |
| 9 | Vanguard Capital Management LLC | 0.26% | 13.46K | $106.77K |
| 10 | Nisa Investment Advisors, L.L.C. | 0.18% | 9.44K | $74.88K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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VRM — Frequently Asked Questions
What is the current share price of Vroom, Inc. (VRM)?
As of 2026-07-14 21:23 PDT, Vroom, Inc. (VRM) trades at $7.37 on NasdaqGM. Its 52-week range is $7.20 to $29.92.
What is the market capitalisation of VRM?
Vroom, Inc. (VRM) has a market capitalisation of $38.38M on NasdaqGM.
What is the P/E ratio of VRM?
VRM trades at a trailing price-to-earnings (P/E) ratio of -0.57. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.42.
What is the return on equity (ROE) of VRM?
VRM has a return on equity (ROE) of -48.31%. Its return on capital employed (ROCE) is -0.07%.
Is VRM a good stock to buy?
This page provides a data-driven analysis of Vroom, Inc. (VRM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.