Vroom, Inc. Common Stock (VRM)
🔔 Watch stock
symbol.quality_heading
We found at least one documented issue that threatens the company itself — regardless of how the stock is currently valued.
The red rating judges the company, not the share price, and it rests on three documented substance findings rather than on valuation: equity fell from $116.6 million to $98.4 million within one quarter; unrestricted cash stood at $14.5 million on March 31, 2026 against a quarterly loss of $19.0 million; and the near-term maturities depend on related parties ($10.5 million due November 25, 2026, the drawn majority-holder line due December 31, 2026, a $15.0 million redemption right first exercisable March 16, 2027). Add the company's own 10.8 percent markdown on the loan book, which nearly equals total equity. A yellow rating would be supported by the genuine restructuring success and the warehouse facility extended to June 2027; where the evidence sits between two levels, the more cautious one applies. There is expressly no formal going-concern doubt. The decision is yours.
symbol.quality_note
Vroom sits at rank 11 in our in-house K/FCF ranking for the U.S. selection (as of July 26, 2026) — a market value of roughly $37 million against $61.9 million of free cash flow for 2025. That reads like the bargain of the year. The annual report explains the number in a single sentence: since emerging from bankruptcy on January 14, 2025, purchased finance receivables are booked in investing rather than operating activities. The same $419.7 million, just one line lower. Let us read what the restart actually delivered — and what it merely re-sorted.
Read the analysis
Stock Watch
This analysis is as of July 26, 2026. Stock Watch will tell you what's changed at VRM since then.
Later $1 a month per stock — signing up is free, and you'll be the first to know when it launches.
Appears in These Scanners
This stock currently matches 4 of our scanner strategies — each hit links to the scanner.
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 7.50 $ — 3% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
Sells AIVroom verkauft KI als eigenes Produkt: Das berichtspflichtige Segment CarStory besteht laut Geschäftsbericht aus dem Verkauf KI-gestützter Analytik und digitaler Dienste an Autohändler und Autofinanzierer — zugleich meldet das Unternehmen, dass KI-Recherchewerkzeuge der Verbraucher den Traffic und damit den Umsatz von CarStory drücken.
View the full file — quotes, sources, reviewed filings
„CarStory offers AI-powered analytics and digital services to dealers, automotive financial services companies, and others in the automotive industry, which use CarStory’s solutions to enhance their customer experience and drive increased vehicle purchases."
CarStory bietet Autohäusern, Autofinanzierern und anderen Marktteilnehmern der Autobranche KI-gestützte Analytik und digitale Dienste an, die deren Kundenerlebnis verbessern und den Fahrzeugabsatz steigern sollen.
„The CarStory reportable segment represents sales of AI-powered analytics and digital services to automotive dealers, automotive financial services companies and others in the automotive industry."
Das berichtspflichtige Segment CarStory umfasst den Verkauf KI-gestützter Analytik und digitaler Dienste an Autohändler, Autofinanzierer und weitere Marktteilnehmer der Autobranche.
„An increasing number of consumers conduct online research using AI tools, which has resulted in decreased website traffic and negatively impacted CarStory’s revenue."
Immer mehr Verbraucher recherchieren online mit KI-Werkzeugen, was zu geringerem Website-Verkehr geführt und den Umsatz von CarStory belastet hat.
Filings Reviewed: 10-K 2026-03-26 · 10-Q 2026-05-15 · 10-Q 2025-11-10 · 10-Q 2025-08-07 · DEF 14C 2026-06-22 · 8-K 2026-07-07
Rated on July 26, 2026 · How the Rating Is Built
Analysts & Price Target
The price target sits 966.7% above the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -7.02 | – | 3 | -98.80 | -1,293.30 | -22 | -24 |
| 2025: Q1 | -1.22 | – | 11 | -77.10 | -56.50 | 17 | 15 |
| 2025: Q2 | -1.64 | – | 22 | -64.00 | -38.90 | 18 | 16 |
| 2025: Q3 | -5.14 | – | 0 | -100.20 | – | 19 | 17 |
| 2025: Q4 | -2.19 | – | 28 | 903.30 | -40.20 | 21 | 20 |
| 2026: Q1 | -3.66 | – | 25 | 122.20 | -76.30 | 19 | 17 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Assessment: Opportunities & Risks
The prepackaged Chapter 11 case delivered what it was meant to: the notes maturing in 2026 are fully retired, interest expense on corporate debt fell from $5.8 million to $3.0 million, total expenses from $180.8 million to $119.2 million (full year 2024 versus 2025), and the successor-period loss for 2025 was $53.1 million after $165.1 million for 2024. Trade creditors were left unimpaired, and on June 30, 2026 the largest warehouse facility was extended to June 2, 2027.
The core calculation of an auto lender has not worked for two years: realized and unrealized credit losses consumed about 84 percent of net interest income in 2024 and about 82 percent in 2025; in the first quarter of 2026 it was $24.7 million of $30.4 million, or 81 percent. The loss from continuing operations rose from $6.5 million in the January 15 to March 31, 2025 period to $19.0 million in the first quarter of 2026.
Equity fell from $116.6 million to $98.4 million within a single quarter, down 15.6 percent, and the accumulated deficit that started at zero on January 14, 2025 already stood at $72.7 million on March 31, 2026. Vroom carries its own loan book 10.8 percent below par ($902.0 million of principal against $804.6 million of fair value) — a markdown almost as large as the entire equity.
Unrestricted cash stood at only $14.5 million on March 31, 2026. New money has recently been expensive and has come from related parties: $22.5 million in January 2026 in exchange for 37 percent of the subsidiary Vroom Automotive at SOFR plus 8.25 and 9.0 percent, alongside a $35.0 million line from majority holder Mudrick (SOFR plus 8.50 percent, due December 31, 2026) and $10.5 million from the board chair (due November 25, 2026).
Mudrick Capital Management holds 76.10 percent (as of April 16, 2026) and can act without a shareholder meeting — as it did on June 17, 2026 when the share plan reserve was lifted to 1,630,880 shares, roughly 31.3 percent of the capital. Add 364,516 warrants and convertible notes. The free float is about 750,000 shares.
Roughly $36.9 million of market value stands against $98.4 million of equity — a price-to-book ratio of about 0.38 and around 4.6 percent of the loan book fair value. The discount is substantial; whether it is too large depends entirely on whether the carrying fair value of the loan book holds. The eye-catching K/FCF of 0.6 is no evidence either way, because it stems from a reclassification.
Vroom is the odometer trap in its purest form: fresh start accounting on January 14, 2025 gave the books a new zero point, and one of the new numbers looks spectacular — $61.9 million of free cash flow against roughly $36.9 million of market value. The annual report explains where it comes from: since emergence, purchased finance receivables run through investing rather than operating activities, where $419.7 million went out in 2025. Beneath that number sits an unchanged auto lender whose credit losses consume 81 percent of net interest income (Q1 2026), whose equity fell 15.6 percent in one quarter, and which recently had to sell 37 percent of a subsidiary to raise $22.5 million. Not investment advice.
- Vroom reached our research list at rank 11 in our in-house K/FCF ranking (U.S. selection, 544 hits in total, the 25 strongest displayed; measured live on July 26, 2026). The lists are recalculated daily, so the rank is a snapshot. As verified scanner hits on the same day, the stock appeared in FCF/Market Cap, Pros 80% and U/D Accumulation.
- Figures from 2025 are only partly comparable with earlier ones: because of the emergence on January 14, 2025 and fresh start accounting under ASC 852, the year splits into a predecessor and a successor period, and balance sheet values were remeasured at fair value on the emergence date. Where the text names a full year, both periods are combined, as the filing itself does.
- Price references relate exclusively to the new stock listed since February 20, 2025; older prices belong to the pre-conversion class and are not directly comparable after the 1-for-5 conversion. Not to be confused: the share VRM on the Nasdaq Global Market and the warrants VRMWW, which trade over the counter on OTCQX.
About the Company
Vroom, Inc. ist über seine Tochtergesellschaften ein Automobil-Finanzierungsunternehmen.
| Employees | 649 |
|---|---|
| Headquarters | Fort Worth, TX |
| Website | vroom.com |
| IPO Date | 9. Jun 2020 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Thomas H. Shortt | CEO & Director | 1969 |
| Jonathan R. Sandison | CFO & Treasurer | 1988 |
| Anna-Lisa C. Corrales | Chief Legal Officer, Chief Compliance Officer & Secretary | 1976 |
| Jacob Shlomo Benzaquen | Senior VP of Accounting & Principal Accounting Officer | 1986 |
| Allen Miller | Investor Relations Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.