Vroom, Inc. VRM R2K
Financial Services · Credit Services · United States
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.
READ MORE ›$11.80
-50.85% 1Y
Market & Price
Market Cap
$61.45M
Current Price
$11.80
High / Low (52W)
$32.80 / $10.18
Beta
-
Valuation
Stock P/E
-
Industry PE
12.01
Forward P/E
-
PEG Ratio
-
Book Value
$22.43
Price to Book
0.53
P/S
0.29
EV/EBITDA
333.15
Dividend Yield
-
Profitability & Returns
ROCE
-0.07%
ROE
-48.31%
ROA
-0.10%
Profit Margin
-31.52%
Op Margin
-6.39%
EPS (Latest Qtr)
$-3.77
EPS (TTM)
$-12.95
Balance Sheet & Liquidity
Debt/Equity
6.48
Quick Ratio
4.03
Current Ratio
4.37
Debt
$774.78M
Total Assets
$937.38M
Current Assets
$887.81M
Working Capital
$542.95M
Ownership
Promoter Holding
2.21%
Chg in Prom Hold
-
FII / Inst Holding
94.45%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$864.19M
Total Revenue (TTM)
$210.41M
EBITDA
$2.59M
Free Cash Flow
$11.66M
Operating Cash Flow
$76.72M
Shares Outstanding
5.21M
Gross Margin
65.16%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
-84.75%
Profit 5Y
29.42%
Revenue (YoY)
-10.60%
Earnings (YoY)
-
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 64.0% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 11.80 | - | $61.45M | - | -0.07% | -48.31% | -84.75% | 29.42% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 25.36M | - | 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 | - | - | -25.36M | - | -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 | - | - | -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 | - | -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 |
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: | -50.85% |
| 6 Months: | -42.24% |
| 3 Months: | -21.49% |
| 1 Month: | -23.48% |
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 | - | 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
Insiders
2.21%
Institutions
94.45%
Public Float
96.58%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Mudrick Capital Management, L.P. | 76.18% | 3.97M | $46.81M |
| 2 | Silverback Asset Management Llc | 8.41% | 437.94K | $5.17M |
| 3 | Bank of America Corporation | 4.80% | 250.03K | $2.95M |
| 4 | Miller Value Partners, LLC | 1.12% | 58.49K | $690.16K |
| 5 | Marshall Wace LLP | 0.93% | 48.47K | $571.96K |
| 6 | Blackrock Inc. | 0.81% | 41.95K | $495.05K |
| 7 | Geode Capital Management, LLC | 0.57% | 29.90K | $352.86K |
| 8 | Catterton Management Company, L.L.C. | 0.44% | 23.01K | $271.55K |
| 9 | Vanguard Capital Management LLC | 0.26% | 13.46K | $158.88K |
| 10 | Nisa Investment Advisors, L.L.C. | 0.18% | 9.44K | $111.42K |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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