VRM Chart
About

Vroom, Inc., through its subsidiaries, operates as an automotive finance company. The company offers vehicle financing to its customers through third party dealers under the UACC brand. It also provides an artificial intelligence-powered analytics and digital services platform for automotive retail. 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.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Credit Services Market Cap 86.42M
Enterprise Value 855.38M Income -34.15M Sales 221.65M
Book/sh 24.35 Cash/sh 2.39 Dividend Yield
Payout 0.00% Employees 704 IPO
P/E Forward P/E -0.10 PEG
P/S 0.39 P/B 0.68 P/C
EV/EBITDA 172.77 EV/Sales 3.86 Quick Ratio 2.83
Current Ratio 3.05 Debt/Eq 617.14 LT Debt/Eq
EPS (ttm) -28.07 EPS next Y -172.80 EPS Growth
Revenue Growth -10.80% Earnings 2026-03-11 ROA -0.33%
ROE -52.02% ROIC Gross Margin 65.30%
Oper. Margin -19.78% Profit Margin -14.95% Shs Outstand 5.20M
Shs Float 745.63K Short Float 4.60% Short Ratio 18.74
Short Interest 52W High 41.36 52W Low 15.72
Beta Avg Volume 2.77K Volume 539.00
Target Price Recom None Prev Close $15.75
Price $16.62 Change 5.52%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
Mean price target
2. Current target
$16.62
Latest analyst target
3. DCF / Fair value
$-34.63
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.62
Low
High
Mean
Insider Transactions
Date Shares Value Url Text Insider Position Transaction Start Date Ownership
0 3 78 Sale at price 26.07 per share. BENZAQUEN JACOB SHLOMO Officer 2025-09-15 00:00:00 D
1 3796 Stock Award(Grant) at price 0.00 per share. CROW TIMOTHY M Director 2025-06-12 00:00:00 D
2 3796 Stock Award(Grant) at price 0.00 per share. MYLOD ROBERT J JR Director 2025-06-12 00:00:00 D
3 3796 Stock Award(Grant) at price 0.00 per share. PATEL NIKUL Director 2025-06-12 00:00:00 D
4 3796 Stock Award(Grant) at price 0.00 per share. KRAKOWIAK ROBERT R. Director 2025-06-12 00:00:00 D
5 3796 Stock Award(Grant) at price 0.00 per share. MUDRICK CAPITAL MANAGEMENT, L.P. Beneficial Owner of more than 10% of a Class of Security 2025-06-12 00:00:00 I
6 3796 Stock Award(Grant) at price 0.00 per share. O'SHAUGHNESSY LAURA Director 2025-06-12 00:00:00 D
7 3662 102532 Purchase at price 28.00 per share. MUDRICK CAPITAL MANAGEMENT, L.P. Beneficial Owner of more than 10% of a Class of Security 2025-06-11 00:00:00 I
8 4570 124401 Purchase at price 24.48 - 27.99 per share. MUDRICK CAPITAL MANAGEMENT, L.P. Beneficial Owner of more than 10% of a Class of Security 2025-06-09 00:00:00 I
9 6788 172528 Purchase at price 24.13 - 25.80 per share. MUDRICK CAPITAL MANAGEMENT, L.P. Beneficial Owner of more than 10% of a Class of Security 2025-06-04 00:00:00 I
Financials
Line Item2024-12-312023-12-312022-12-312021-12-31
TaxEffectOfUnusualItems-66.48K287.87K-1.97M0.00
TaxRateForCalcs0.010.010.040.27
NormalizedEBITDA-32.39M-45.35M-345.00M-334.99M
TotalUnusualItems-10.72M37.88M-47.19M0.00
TotalUnusualItemsExcludingGoodwill-10.72M37.88M-47.19M0.00
NetIncomeFromContinuingOperationNetMinorityInterest-138.24M-84.58M-451.91M-370.91M
ReconciledDepreciation29.09M29.11M38.71M13.21M
ReconciledCostOfRevenue730.55M1.70B2.98B
EBITDA-43.11M-7.47M-392.19M-334.99M
EBIT-72.20M-36.59M-430.90M-348.21M
NetInterestIncome136.65M130.61M-21.33M-11.61M
InterestExpense65.19M47.87M40.69M21.95M
InterestIncome201.83M178.48M19.36M10.34M
NormalizedIncome-127.58M-122.17M-406.69M-370.91M
NetIncomeFromContinuingAndDiscontinuedOperation-165.12M-364.61M-451.91M-370.91M
TotalExpenses138.41M130.37M2.31B3.54B
RentExpenseSupplemental18.01M23.36M17.45M
TotalOperatingIncomeAsReported-270.23M-571.76M-358.62M
DilutedAverageShares1.81M1.74M1.72M1.71M
BasicAverageShares1.81M1.74M1.72M1.71M
DilutedEPS-91.07-209.17-262.40-217.60
BasicEPS-91.07-209.17-262.40-217.60
DilutedNIAvailtoComStockholders-165.12M-364.61M-451.91M-370.91M
NetIncomeCommonStockholders-165.12M-364.61M-451.91M-370.91M
OtherunderPreferredStockDividend0.00
NetIncome-165.12M-364.61M-451.91M-370.91M
NetIncomeIncludingNoncontrollingInterests-165.12M-364.61M-451.91M-370.91M
NetIncomeDiscontinuousOperations-26.88M-280.03M
NetIncomeContinuousOperations-138.24M-84.58M-451.91M-370.91M
TaxProvision856.00K123.00K-19.68M754.00K
PretaxIncome-137.38M-84.45M-471.59M-370.16M
OtherIncomeExpense-147.23M-97.09M-90.37M65.00K
OtherNonOperatingIncomeExpenses-136.50M-134.97M-43.18M65.00K
SpecialIncomeCharges-10.72M37.88M-47.19M0.00
OtherSpecialCharges-37.88M-164.68M
WriteOff5.16M0.00
ImpairmentOfCapitalAssets48.75M211.87M0.00
RestructuringAndMergernAcquisition5.56M0.00
NetNonOperatingInterestIncomeExpense136.65M130.61M-21.33M-11.61M
InterestExpenseNonOperating65.19M47.87M40.69M21.95M
InterestIncomeNonOperating201.83M178.48M19.36M10.34M
OperatingIncome-126.80M-117.98M-359.89M-358.62M
OperatingExpense138.41M130.37M604.68M560.71M
OtherOperatingExpenses15.08M19.60M
DepreciationAmortizationDepletionIncomeStatement29.09M29.11M38.29M12.89M
DepreciationAndAmortizationInIncomeStatement29.09M29.11M38.29M12.89M
SellingGeneralAndAdministration109.33M101.25M566.39M547.82M
SellingAndMarketingExpense56.91M118.69M211.27M
GeneralAndAdministrativeExpense109.33M101.25M447.69M336.55M
OtherGandA12.04M14.55M173.18M114.19M
RentAndLandingFees18.01M23.36M17.45M
SalariesAndWages97.29M86.70M251.15M204.91M
GrossProfit11.61M12.38M244.79M202.10M
CostOfRevenue731.26M1.70B2.98B
TotalRevenue11.61M12.38M1.95B3.18B
OperatingRevenue11.61M12.38M1.93B3.17B
Line Item2024-12-312023-12-312022-12-312021-12-31
OrdinarySharesNumber1.82M1.79M1.73M1.71M
ShareIssued1.82M1.79M1.73M1.71M
NetDebt711.93M912.27M556.98M
TotalDebt752.34M1.06B985.76M1.14B
TangibleBookValue-135.81M-4.22M316.33M728.17M
InvestedCapital710.33M1.18B1.43B2.04B
WorkingCapital546.58M612.79M516.79M1.28B
NetTangibleAssets-135.81M-4.22M316.33M728.17M
CapitalLeaseObligations11.06M10.46M29.86M16.48M
CommonStockEquity-30.95M127.67M475.24M915.19M
TotalCapitalization350.42M754.25M877.39M1.53B
TotalEquityGrossMinorityInterest-30.95M127.67M475.24M915.19M
StockholdersEquity-30.95M127.67M475.24M915.19M
RetainedEarnings-2.13B-1.96B-1.60B-1.15B
AdditionalPaidInCapital2.09B2.09B2.08B2.06B
CapitalStock2.00K2.00K2.00K135.00K
CommonStock2.00K2.00K2.00K135.00K
TotalLiabilitiesNetMinorityInterest1.10B1.35B1.14B1.45B
TotalNonCurrentLiabilitiesNetMinorityInterest728.80M688.49M440.47M624.30M
OtherNonCurrentLiabilities324.20M42.52M18.18M4.09M
EmployeeBenefits12.16M8.92M
LongTermDebtAndCapitalLeaseObligation392.43M637.04M422.28M620.21M
LongTermCapitalLeaseObligation11.06M10.46M20.13M9.59M
LongTermDebt381.37M626.58M402.15M610.62M
CurrentLiabilities368.84M659.27M703.32M827.26M
OtherCurrentLiabilities4.02M228.12M16.40M15.00K
CurrentDeferredLiabilities14.03M10.65M75.80M
CurrentDeferredRevenue14.03M10.65M75.80M
CurrentDebtAndCapitalLeaseObligation359.91M421.27M563.48M519.69M
CurrentCapitalLeaseObligation8.74M9.73M6.89M
CurrentDebt359.91M421.27M553.75M512.80M
OtherCurrentBorrowings172.41M47.24M
LineOfCredit359.91M421.27M506.51M512.80M
PensionandOtherPostRetirementBenefitPlansCurrent13.22M28.28M16.15M
CurrentProvisions1.59M3.92M26.52M
PayablesAndAccruedExpenses4.91M9.88M80.60M189.08M
CurrentAccruedExpenses4.88M7.74M31.74M66.19M
InterestPayable4.10M4.18M3.99M1.72M
Payables29.00K2.14M48.85M122.88M
OtherPayable29.00K2.14M8.17M30.65M
TotalTaxPayable4.40M5.98M39.58M
IncomeTaxPayable4.04M420.00K
AccountsPayable26.76M34.70M52.65M
TotalAssets1.07B1.48B1.62B2.37B
TotalNonCurrentAssets151.28M203.37M398.92M264.46M
OtherNonCurrentAssets35.47M59.43M26.00M25.03M
NonCurrentAccountsReceivable336.17M140.24M
InvestmentsAndAdvances140.24M0.00
InvestmentinFinancialAssets140.24M0.00
AvailableForSaleSecurities140.24M
GoodwillAndOtherIntangibleAssets104.87M131.89M158.91M187.02M
OtherIntangibleAssets104.87M131.89M158.91M28.21M
Goodwill0.00158.82M
NetPPE10.94M12.04M73.77M52.40M
AccumulatedDepreciation-5.86M-4.79M-32.90M-20.42M
GrossPPE16.80M16.83M106.67M72.82M
Leases693.00K434.00K6.58M7.16M
OtherProperties10.41M11.09M35.01M22.18M
MachineryFurnitureEquipment5.70M5.31M65.09M43.48M
Properties0.000.000.000.00
CurrentAssets915.42M1.27B1.22B2.10B
OtherCurrentAssets50.90M58.33M55.70M
AssetsHeldForSaleCurrent319.13M700.08M
RestrictedCash49.03M73.23M73.09M82.45M
PrepaidAssets55.70M
Inventory163.25M320.65M726.38M
FinishedGoods162.66M317.99M724.54M
RawMaterials591.00K2.65M1.84M
Receivables517.91M363.15M348.53M105.43M
OtherReceivables503.85M348.67M334.56M
AccruedInterestReceivable14.07M14.48M
AccountsReceivable9.14M13.97M105.43M
AllowanceForDoubtfulAccountsReceivable-11.20M-21.50M-8.90M
GrossAccountsReceivable20.34M35.47M114.33M
CashCashEquivalentsAndShortTermInvestments29.34M135.59M419.51M1.13B
OtherShortTermInvestments4.49M20.59M0.00
CashAndCashEquivalents29.34M135.59M398.92M1.13B
Line Item2024-12-312023-12-312022-12-312021-12-31
FreeCashFlow-100.52M-536.31M-133.30M-597.10M
RepurchaseOfCapitalStock0.00
RepaymentOfDebt-644.91M-544.19M-2.39B-2.53B
IssuanceOfDebt630.47M766.60M1.92B3.34B
IssuanceOfCapitalStock0.002.40M0.000.00
CapitalExpenditure-3.49M-2.62M-24.23M-28.41M
InterestPaidSupplementalData57.69M40.46M34.91M15.96M
IncomeTaxPaidSupplementalData5.36M2.41M403.00K
EndCashPosition78.37M208.82M472.01M1.21B
BeginningCashPosition208.82M472.01M1.21B1.09B
ChangesInCash-130.45M-263.19M-742.76M124.74M
FinancingCashFlow-165.99M97.34M-469.49M797.71M
CashFromDiscontinuedFinancingActivities-151.18M-125.81M
CashFlowFromContinuingFinancingActivities-14.81M223.15M-469.49M797.71M
NetOtherFinancingCharges-364.00K-1.65M-4.21M-16.62M
ProceedsFromStockOptionExercised0.005.77M
NetPreferredStockIssuance0.000.00
PreferredStockIssuance0.000.00
NetCommonStockIssuance0.002.40M0.000.00
CommonStockPayments0.00
CommonStockIssuance0.002.40M0.000.00
NetIssuancePaymentsOfDebt-14.45M222.40M-465.28M808.57M
NetShortTermDebtIssuance-61.36M189.62M-182.23M183.57M
ShortTermDebtPayments-379.96M-290.48M-2.11B-2.53B
ShortTermDebtIssuance318.60M480.10M1.92B2.71B
NetLongTermDebtIssuance46.91M32.79M-283.05M625.00M
LongTermDebtPayments-264.96M-253.71M-283.05M0.00
LongTermDebtIssuance311.87M286.50M0.00625.00M
InvestingCashFlow132.57M173.15M-164.21M-104.29M
CashFromDiscontinuedInvestingActivities17.69M-12.18M
CashFlowFromContinuingInvestingActivities114.88M185.33M-164.21M-104.29M
NetOtherInvestingChanges118.37M187.96M127.51M
NetBusinessPurchaseAndSale0.00-267.49M-75.88M
PurchaseOfBusiness0.00-267.49M-75.88M
NetPPEPurchaseAndSale-3.49M-2.62M-24.23M-28.41M
PurchaseOfPPE-3.49M-2.62M-24.23M-28.41M
OperatingCashFlow-97.04M-533.68M-109.06M-568.69M
CashFromDiscontinuedOperatingActivities78.72M-51.66M
CashFlowFromContinuingOperatingActivities-175.76M-482.03M-109.06M-568.69M
ChangeInWorkingCapital7.28M-5.73M302.28M-246.36M
ChangeInOtherWorkingCapital3.37M-65.15M50.94M
ChangeInOtherCurrentLiabilities-8.46M-10.14M-38.33M29.24M
ChangeInOtherCurrentAssets15.32M11.65M-2.55M-9.17M
ChangeInPayablesAndAccruedExpense-32.71M-77.83M80.49M
ChangeInAccruedExpense-24.77M-53.55M61.17M
ChangeInPayable-7.94M-24.28M19.32M
ChangeInAccountPayable-7.94M-24.28M19.32M
ChangeInPrepaidAssets22.71M4.15M-32.45M
ChangeInInventory159.76M403.92M-312.21M
ChangeInReceivables417.00K-7.24M78.06M-53.21M
ChangesInAccountReceivables754.00K78.06M-53.21M
OtherNonCashItems-80.31M-409.90M-9.60M3.08M
StockBasedCompensation5.88M6.89M11.96M13.41M
ProvisionandWriteOffofAssets-4.62M20.57M21.76M18.89M
AssetImpairmentCharge5.16M0.00211.87M0.00
DeferredTax0.00-23.86M0.00
DeferredIncomeTax0.00-23.86M0.00
DepreciationAmortizationDepletion29.09M29.11M38.71M13.21M
DepreciationAndAmortization29.09M29.11M38.71M13.21M
AmortizationCashFlow-14.59M0.00
AmortizationOfIntangibles-14.59M0.00
Depreciation29.09M29.11M38.71M13.21M
OperatingGainsLosses-37.88M-210.27M
GainLossOnInvestmentSecurities-45.59M
NetIncomeFromContinuingOperations-138.24M-85.10M-451.91M-370.91M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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