VRM · Vroom, Inc.
Market Cap
$41.87M
Shares
5.21M
Volume · Oct 20
7058
Avg daily vol (3M)
27.02K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$8.45
Open$8.91
Day$8.11–9.36
52W close$6.90–26.33
Avg vol 30d23K
Short int30K · 0.6% float · 4.4d
Short vol56%
Last earningsNov 8, 2023
DataFeb 2025–Oct 2026
Filing10-Q · Aug 4
Up next
filed Aug 4, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$157.84M
Trailing 12 months
Net income (TTM)
−$56.61M
Trailing 12 months
Revenue growth YoY
-2.7%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
154.8%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$473.01M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+0.8%
Year over year · more shares
Price change (1Y)
-67.6%
Trailing year
Short interest
0.6%
Latest settlement · 4.4 days to cover
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−31%
below
Price vs 50-day avg
−12%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
8%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
−45%
trailing
YTD return
−57%
this year
Relative strength
−53%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $10 › 200d $12 — 200d above 50d
Institutional flow
Distributing
7 of 36 funds reported for Sep 30 · net -200 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.57% of float · ▼ -17.5% MoM · 4.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
36 holders — mid 3-yr range
Squeeze score
33
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
$491.0M
net debt
Quant / Vol
risk profile
Volatility
105%
annualized · 1-yr
Max drawdown
−74%
past year
ATR
7.0%
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 Aug 4, 2026
Indirect origination volume
· full year 2026
Non-GAAP
$475M – $515M
Guided vs delivered
· last 2 settled
Total revenues
1Q 2022
guided $875M
$923.78M
Beat +5.6%
Total Revenues
4Q 2021
guided $865M – $900M
$934.49M
Beat +5.9%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−31%
Bearish
Price vs 50-day avg
−12%
Bearish
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
8%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $10 › 200d $12 — 200d above 50d
Institutional flow
Distributing
7 of 36 funds reported for Sep 30 · net -200 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.57% of float · ▼ -17.5% MoM · 4.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
36 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $7
Now $8 · 8%
Range high $26
vs 200-day avg -31%
vs 50-day avg -12%
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 | -73M | TTM second 2025 | — |
| Adjusted net (loss) income non-GAAP | -156K | the three months ended June 30, 2026 filing | — |
| Adjusted net income (loss) non-GAAP | 1.49M | Three Months Ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income (loss) from continuing operations 555K
-691K Preferred stock dividends attributable to noncontrolling interests of subsidiary
+1.44M Stock compensation expense
+195K Severance expense
= Adjusted net income (loss) 1.49M
|
|||
| Adjusted net income (loss) - Total non-GAAP | 3.84M | the three months ended June 30, 2026 filing | — |
| Adjusted net income (loss) - UACC non-GAAP | 3.99M | the three months ended June 30, 2026 filing | — |
| Adjusted net loss non-GAAP | -16.7M | Six months ended June 30, 2026 | — |
| Decrease in adjusted net loss non-GAAP | 20.6M | trailing twelve months ended June 30, 2026 | — |
| Gross serviced portfolio | 923M | Second quarter 2026 | — |
| Indirect loan origination | 481M | 2025 | — |
| Indirect Origination Volume | 455M | TTM second 2025 | — |
| Origination Volume | 120M | Second quarter 2026 | — |
| Tangible book value non-GAAP | 88.4M | as of June 30, 2026 | — |
| Total available liquidity | 63.9M | As of June 30, 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.
|
$41.87M | -57.5% | -54.2% | — | 0.6% |
|
V
Visa Inc.
|
$727.78B | +14.9% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$539.97B | +8.0% | +16.4% | 33.9 | 0.7% |
|
AXP
American Express Co
|
$213.17B | -14.5% | +13.4% | 19.2 | 1.6% |
|
COF
Capital One Financial Corp
|
$122.59B | -17.5% | +36.6% | 12.0 | 1.5% |
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
SEC Filings
Latest
8-K
- Filed
- Oct 15, 2026
- This year
- 17
Vroom created an ABS transaction issuing $234,232,000 of asset-backed notes backed by approximately $292,059,710 of receivables and increased convertible note commitments from $50.0 million to $60.0 million.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| VRM | -6.6% | -10.4% | -45.0% | -14.7% | -57.5% |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | -5.1% | -9.5% | -52.7% | -15.2% | -69.9% |