VRM · Vroom, Inc.
Market Cap
$49.00M
Shares
5.21M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.12
Open$9.33
Day$9.12–9.61
52W close$6.90–28.50
Avg vol 30d10K
Short int33K · 0.6% float · 2.0d
Short vol24%
Last earningsNov 8, 2023
DataFeb 2025–Aug 2026
Filing10-Q · Aug 4
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 2026
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−37%
below
Price vs 50-day avg
+8%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
10%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+32%
trailing
6-month return
−45%
trailing
YTD return
−54%
this year
Relative strength
−59%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $8 › 200d $14 — 200d above 50d
Institutional flow
Distributing
-21% holders QoQ · +5 funds added
Insider flow
Accumulating
Net +$112.6K over 90 days · 50% sells
Short interest
Falling
0.63% of float · ▼ -7.7% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
37 holders — mid 3-yr range
Squeeze score
34
low risk · 0–100
Fundamentals
Revenue growth
−54%
Y/Y
Gross margin
18%
expanding
EPS growth
+89%
Y/Y
Free cash flow
$68.1M
Balance sheet
$616.2M
net debt
Quant / Vol
risk profile
Volatility
105%
annualized · 1-yr
Max drawdown
−76%
past year
ATR
9.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed May 15, 2026
Indirect Origination Volume
· Full year 2026
Initiated
$475M – $515M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−37%
Bearish
Price vs 50-day avg
+8%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
10%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $8 › 200d $14 — 200d above 50d
Institutional flow
Distributing
-21% holders QoQ · +5 funds added
Insider flow
Accumulating
Net +$112.6K over 90 days · 50% sells
Short interest
Falling
0.63% of float · ▼ -7.7% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
37 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $7
Now $9 · 10%
Range high $29
vs 200-day avg -37%
vs 50-day avg +8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted income (loss) non-GAAP | -$53M | TTM second quarter 2026 | — |
| Adjusted net income (loss) non-GAAP | 1.49M | Three Months Ended June 30, 2026 | — |
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| Adjusted net loss non-GAAP | -16.7M | Six months ended June 30, 2026 | — |
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| Gross serviced portfolio | $923M | Second quarter 2026 | — |
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| Indirect Origination Volume | $459M | TTM second quarter 2026 | — |
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| Origination Volume | $120M | Second quarter 2026 | — |
| Tangible book value non-GAAP | $88.4M | as of June 30, 2026 | — |
| Total available liquidity non-GAAP | $63.9M | as of June 30, 2026 | — |
| Available liquidity from delayed draw facility | 27M | as of March 31, 2026 | — |
| Excess liquidity available to UACC under the warehouse credit facilities | 14.9M | as of March 31, 2026 | — |
| Outstanding borrowings | 159.5M | as of March 31, 2026 | — |
| Remaining capacity | 440.5M | as of March 31, 2026 | — |
| UACC total warehouse capacity | 600M | as of March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
VRM
this stock
Vroom, Inc.
|
$49.00M | -54.1% | -54.2% | — | 0.6% |
|
V
Visa Inc.
|
$685.04B | +8.3% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$518.36B | +3.7% | +16.4% | 32.6 | 0.8% |
|
AXP
American Express Co
|
$227.01B | -9.7% | +13.4% | 20.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.81B | -10.6% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| VRM | -7.5% | +32.2% | -44.7% | +21.8% | -54.1% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -8.6% | +28.2% | -59.4% | +18.5% | -67.2% |
Key facts
CIK
1580864
CUSIP
92918V307
13F (30d)
29 filings
29 filers
Visit website
Investor relations