Vroom, Inc.
Business
Vroom, Inc. is a holding company that operates UACC, an indirect automotive finance lender serving non-prime borrowers through a dealer network in 49 states, and CarStory, an AI-powered analytics and digital services platform for automotive retail. UACC originates and services vehicle financing contracts for consumers purchasing new and used vehicles through dealer partners. CarStory provides vehicle valuation, pricing analytics, and digital marketplace solutions using computer vision and AI. The company emerged from Chapter 11 bankruptcy in January 2025 after winding down its former ecommerce used-vehicle dealership business.
Summary from 10-K filed 2026-03-26
Financials
Consolidated Statement of Income
| Concept | Trend | FY 2025 2025-12-31 |
|---|---|---|
| Financial Designation, Predecessor and Successor [Fixed List] | — |
Consolidated Balance Sheet
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2024 2024-02-29 | FY 2023 2023-12-31 | FY 2022 2022-12-31 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 10 | 35 | 94 | 136 | 399 | |
| Restricted cash (including restricted cash of consolidated VIEs of $55.8 million and $48.1 million, respectively) | 56 | 26 | — | 73 | — | |
| Finance receivables at fair value (including finance receivables of consolidated VIEs of $777.0 million and $467.3 million, respectively) | 809 | 825 | — | 349 | — | |
| Finance receivables held for sale, net (including finance receivables of consolidated VIEs of $0.0 million and $310.0 million, respectively) | — | 318 | — | 504 | 322 | |
| Interest receivable (including interest receivables of consolidated VIEs of $12.4 million and $13.3 million, respectively) | 13 | 14 | — | 14 | — | |
| Property and equipment, net | 7 | 1 | — | 5 | 50 | |
| Intangible assets, net | 12 | 14 | — | 132 | 159 | |
| Operating lease right-of-use assets | 6 | 11 | — | 7 | 24 | |
| Other assets (including other assets of consolidated VIEs of $9.8 million and $10.8 million, respectively) | 25 | 28 | — | 59 | — | |
| Assets from discontinued operations | 46,000 | 758,000 | — | 197 | — | |
| Total assets | 937 | 956 | — | 1,475 | 1,619 | |
| Warehouse credit facilities of consolidated VIEs | 319 | 364 | — | 421 | — | |
| Related party line of credit (Note 20) | 19 | — | — | — | — | |
| Long-term debt (including securitization debt of consolidated VIEs of $393.2 million at fair value as of December 31, 2025 and $210.7 million at amortized cost, and $142.6 million at fair value as of December 31,2024) | 423 | 366 | — | 627 | — | |
| Related party note (Note 20) | 10 | — | — | — | — | |
| Operating lease liabilities | 9 | 11 | — | 10 | — | |
| Other liabilities (including other liabilities of consolidated VIEs of $15.7 million and $13.8 million, respectively) | 41 | 47 | — | 61 | — | |
| Liabilities subject to compromise (Note 6) | — | 292 | — | — | — | |
| Liabilities from discontinued operations | 124,000 | 4 | — | 228 | — | |
| Total liabilities | 821 | 791 | — | 1,348 | 1,144 | |
| Commitments and contingencies (Note 13) | — | — | — | — | — | |
| Common stock, $0.001 par value; 250,000,000 shares authorized as of December 31, 2025 and 500,000,000 shares authorized as of December 31, 2024; 5,199,641 and 1,822,532 shares issued and outstanding as of September 30, 2025 and December 31, 2024, respectively | 5,000 | 162 | — | 2,000 | 2,000 | |
| Additional paid-in-capital | 170 | 162 | — | 2,088 | 2,076 | |
| Accumulated deficit | −53 | −2,126 | — | −1,961 | −1,601 | |
| Total stockholders' equity (deficit) | 117 | 165 | — | 128 | 480 | |
| Total liabilities and stockholders' equity (deficit) | 937 | 956 | — | 1,475 | 1,619 |
Consolidated Statement of Cash Flows
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Net (loss) income from continuing operations | −54 | −138 | −85 | −452 | −371 | |
| Profit share receivable | −554,000 | 12 | — | — | — | |
| Depreciation and amortization | 3 | 29 | 29 | 39 | 13 | |
| Amortization of debt issuance costs | — | 4 | 3 | 5 | 3 | |
| Losses on finance receivables and securitization debt, net | 108 | 130 | 100 | 67 | — | |
| Losses on Warranties and GAP | 7 | 8 | 7 | — | — | |
| Stock-based compensation expense | 5 | 6 | 7 | 12 | 13 | |
| Provision to record finance receivables held for sale at lower of cost or fair value | — | −5 | 21 | 7 | — | |
| Amortization of unearned discounts on finance receivables at fair value | — | −16 | −26 | −15 | — | |
| Non-cash reorganization items, net | — | 2 | — | — | — | |
| Other, net | −909,000 | −5 | −17 | −8 | 203,000 | |
| Originations of finance receivables, held for sale | — | −404 | −582 | −626 | — | |
| Principal payments received on finance receivables, held for sale | — | 187 | 106 | 65 | — | |
| Other | — | 2 | −2 | −8 | — | |
| Interest receivable | 1 | 417,000 | −7 | — | — | |
| Other assets | 7 | 15 | 12 | −3 | −9 | |
| Other liabilities | −4 | −8 | −10 | −38 | 29 | |
| Net cash provided by (used in) operating activities from continuing operations | 78 | −176 | −482 | — | — | |
| Net cash (used in) provided by operating activities from discontinued operations | −2 | 79 | −52 | — | — | |
| Net cash provided by (used in) operating activities | 75 | −97 | −534 | −109 | −569 | |
| Purchases of finance receivables, held for investment at fair value | −420 | — | −3 | −56 | — | |
| Principal payments received on finance receivables, held for investment at fair value | 317 | 116 | 175 | — | — | |
| Principal payments received on beneficial interests | 1 | 2 | 5 | — | — | |
| Purchase of property and equipment | −7 | −3 | −3 | −24 | −28 | |
| Net cash (used in) provided by investing activities from continuing operations | −109 | 115 | 185 | — | — | |
| Net cash provided by investing activities from discontinued operations | 637,000 | 18 | −12 | — | — | |
| Net cash (used in) provided by investing activities | −108 | 133 | 173 | −164 | −104 | |
| Proceeds from borrowings under secured financing agreements | 308 | 296 | 262 | — | — | |
| Principal repayment under secured financing agreements | −254 | −252 | −208 | −193 | — | |
| Proceeds from financing of beneficial interests in securitizations | 16 | 16 | 25 | — | — | |
| Principal repayments of financing of beneficial interests in securitizations | −14 | −13 | −9 | — | — | |
| Proceeds from warehouse credit facilities | 334 | 319 | 480 | 521 | — | |
| Repayments of warehouse credit facilities | −379 | −380 | −290 | −467 | — | |
| Proceeds from issuance of related party note | 10 | — | — | — | — | |
| Proceeds from related party line of credit | 19 | — | — | — | — | |
| Other financing activities | −2 | −364,000 | −2 | −4 | −495,000 | |
| Net cash provided by (used in) financing activities from continuing operations | 38 | −15 | 223 | — | — | |
| Net cash used in financing activities from discontinued operations | — | −151 | −126 | — | — | |
| Net cash provided by (used in) financing activities | 38 | −166 | 97 | −469 | 798 | |
| Net increase (decrease) in cash, cash equivalents and restricted cash | 5 | −130 | −263 | −743 | 125 | |
| Cash paid for interest | 49 | 58 | 40 | 35 | 16 | |
| Cash paid for reorganization items, net | — | 3 | — | — | — | |
| Cash paid for income taxes | −137,000 | −1 | 5 | 2 | 403,000 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is Vroom, Inc.'s CIK number?
Vroom, Inc.'s SEC CIK number is 0001580864 (1580864). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Vroom, Inc.'s SEC filings?
All of Vroom, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Vroom, Inc. last report earnings?
Vroom, Inc. (VRM) most recently filed an earnings 8-K with the SEC on May 15, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-224729). This is Vroom, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Vroom, Inc.'s most recent earnings 8-K?
Vroom, Inc.'s latest earnings 8-K (Item 2.02) was filed May 15, 2026 under accession 0001193125-26-224729. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Vroom, Inc.'s latest earnings 8-K →
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