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MARKETS / NASDAQ / VRM
NASDAQ · RETAIL-AUTO DEALERS & GASOLINE STATIONS · SMALL CAP

Vroom, Inc. VRM

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$-53.0M
$68.1M
In brief

What this company does

As of December 31, 2025, it had 655 total employees across its operations, of which 649 were full time. UACC is an indirect lender that offers vehicle financing under the UACC brand to consumers through a network of motor vehicle dealers, focusing primarily on the non-prime market. UACC, which has been engaged in automotive finance since 1996, currently offers financing services to a nationwide network of thousands of independent and manufacturer-franchised used motor vehicle dealers in 49 states. As of December 31, 2025, UACC serviced a portfolio of approximately 76,000 retail installment sales contracts with an aggregate principal outstanding balance of approximately $950 million. 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 has curated a used vehicle information database that includes over 256 million vehicle identification numbers, 203 million window stickers, 4.2 billion vehicle photos and 411 million sales cycles, along with price and price elasticity models. The company was incorporated in Delaware on January 31, 2012, under the name BCM Partners III, Corp., and adopted the name Vroom, Inc. on July 9, 2015, after an interim name change to Auto America, Inc. in 2013.

Written from the business description in Vroom, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 26 March 2026. Every sentence was checked against that document before publication.

Growth
Revenue, FY2025 · full 8-year series below
Revenue $B Net income $B
FY2023 · Revenue 0.9 · Net income -0.4
2.0B-0.2B-0.4B20182019202020212022202320242025
Compound annual growth
−13.0%
+0.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +0.9% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
Operating margin Net margin
FY2023 · Operating -9.5% · Net -9.5%
-10%-20%20182019202020212022202320242025
ROE
FY2025 · ROE -123.8%
-100%-200%-300%20182019202020212022202320242025

Each USD of equity lost 124 cents this year.

Cash & shareholders
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 68.1
25.0M50.0M-200.0M-400.0M20182019202020212022202320242025
Net buybacks $M Dividends $M
FY2020 · Dividends — · Net buybacks -566.1
-200M-400M20192020

Total assetsUSD 937.4M
EquityUSD 116.6M
CashUSD 10.4M
Gross debtUSD 423.2M
Net debtUSD 412.8M

Net debt stands at 354% of equity.

The 8-year record
8 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018
Revenue $B··0.91.93.21.41.20.9
Operating income $B−0.1−0.1−0.1−0.6−0.4−0.2−0.1−0.1
EBITDA $B−0.1−0.1−0.1−0.5−0.3−0.2−0.1−0.1
Income tax $B0.00.00.0−0.00.00.00.00.0
Net income $B−0.1−0.2−0.4−0.5−0.4−0.2−0.1−0.1
Free cash flow $B0.1−0.1−0.5−0.1−0.6−0.4−0.2−0.1
EPS, diluted $−10.24−91.07−209.17−262.15−2.72−2.76−32.04−11.50
Dividend / sh $········
Payout %········
ROE %−123.8−341.4−120.0−64.8−34.6−62.1··
Shares out B0.010.000.000.000.140.130.01·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 34 reconciliationsAUDITED

Reconciled in 8 of 19 fiscal years. 61 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityRetail-Auto Dealers & Gasoline Stations
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2018

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