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Vroom, Inc. (VRM) AI Stock Analysis
Vroom, Inc.
(NASDAQ:VRM)
The overall score of 40 reflects a company in significant financial distress. The most impactful factor is the extremely weak financial performance, characterized by a collapsed income statement and a highly leveraged balance sheet, which poses a substantial risk. Technical trends are bearish, and traditional valuation metrics are unsupportive. While recent corporate events, including a first-ever quarterly profit and insider-backed financing, provide a slight positive offset, they do not outweigh the fundamental operational and financial challenges.
Vroom, Inc. (VRM) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $39.05M
- Dividend Yield
- ―
- Average Volume (3M)
- 27.82K
- Price to Earnings (P/E)
- -0.7
- Beta (1Y)
- 0.81
- Revenue Growth
- 100.60%
- EPS Growth
- 69.18%
- Country
- US
- Employees
- 652
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Vroom, Inc. Business Overview & Revenue Model
Company Description
Vroom, Inc. operates as an online automotive retail platform, focusing on the sale of pre-owned vehicles throughout the United States. The company offers a comprehensive digital ecosystem that manages all aspects of the car ownership journey, from ac...
Vroom, Inc. Financial Statement Overview
Summary
Financial performance is critically weak. The Income Statement (Score 12) shows a revenue collapse and persistent losses. The Balance Sheet (Score 8) is highly leveraged with a history of negative equity. While the Cash Flow Statement (Score 18) shows recent positive operating cash flow, its sustainability is questionable given the underlying business deterioration. The overall financial health indicates severe distress.
Income Statement
12Very NegativeBalance Sheet
8Very NegativeCash Flow
18Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 105.64M | 112.27M | 11.61M | 893.20M | 1.95B | 3.18B |
| Gross Profit | 67.79M | 91.13M | 11.61M | 161.95M | 244.79M | 202.10M |
| EBITDA | 35.33M | 50.41M | -43.11M | -185.66M | -392.19M | -334.99M |
| Net Income | -56.61M | -7.96M | -165.12M | -365.54M | -451.91M | -370.91M |
Balance Sheet | ||||||
| Total Assets | 941.35M | 937.38M | 1.07B | 1.48B | 1.62B | 2.37B |
| Cash, Cash Equivalents and Short-Term Investments | 16.36M | 10.38M | 29.34M | 140.07M | 419.51M | 1.13B |
| Total Debt | 778.62M | 779.49M | 752.34M | 1.23B | 985.76M | 1.14B |
| Total Liabilities | 820.33M | 820.77M | 1.10B | 1.35B | 1.14B | 1.45B |
| Stockholders Equity | 99.79M | 116.62M | -30.95M | 122.15M | 475.24M | 915.19M |
Cash Flow | ||||||
| Free Cash Flow | 70.80M | 68.09M | -100.52M | -536.31M | -133.30M | -597.10M |
| Operating Cash Flow | 77.50M | 75.15M | -97.04M | -533.68M | -109.06M | -568.69M |
| Investing Cash Flow | -97.35M | -108.17M | 132.57M | 173.15M | -164.21M | -104.29M |
| Financing Cash Flow | 27.82M | 37.88M | -165.99M | 97.34M | -469.49M | 797.71M |
Vroom, Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For VRM, the sentiment is Negative. The current price of 7.46 is below the 20-day moving average (MA) of 8.55, below the 50-day MA of 9.28, and below the 200-day MA of 11.69, indicating a bearish trend. The MACD of -0.41 indicates Positive momentum. The RSI at 33.40 is Neutral, neither overbought nor oversold. The STOCH value of 20.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for VRM.
Vroom, Inc. Risk Analysis
Vroom, Inc. disclosed 60 risk factors in its most recent earnings report. Vroom, Inc. reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksVroom, Inc. Peers Comparison
Overall Rating
CVNA72Outperform
CARG68Neutral
AN58Neutral
KMX54Neutral
UXIN42Neutral- VRM40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CVNA | 72Outperform | $75.34B | 22.19 | 43.91% | ― | 50.28% | 157.02% |
| CARG | 68Neutral | $2.87B | 17.21 | 56.25% | ― | 6.01% | 47.62% |
| AN | 58Neutral | $5.94B | 8.53 | 31.76% | ― | -1.77% | 22.76% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| KMX | 54Neutral | $7.89B | 26.09 | 4.80% | ― | 4.09% | -40.01% |
| UXIN | 42Neutral | $195.78M | -3.04 | 73.63% | ― | 97.00% | -42.04% |
| VRM | 40Underperform | $39.05M | -0.67 | -51.30% | ― | 100.60% | 69.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| VRM | Vroom, Inc. | 7.46 | -16.04 | -68.26% | |
| AN | AutoNation Inc | 179.64 | -18.65 | -9.41% | |
| KMX | CarMax Inc | 55.58 | 14.24 | 34.45% | |
| CVNA | Carvana | 68.29 | 1.83 | 2.75% | |
| CARG | Cargurus | 32.18 | -2.91 | -8.29% | |
| UXIN | Uxin Limited | 0.89 | -1.87 | -67.75% |
Vroom, Inc. Corporate Events
Vroom Expands Insider-Backed Convertible Notes Financing Capacity
PositiveOn October 15, 2026, United Auto Credit Corporation executed an asset-backed securitization involving approximately $292.1 million in subprime auto receivables, transferring them through a special purpose depositor into United Auto Credit Securitizat...
Vroom Raises $20 Million via Preferred Equity Financing
PositiveOn September 30, 2026, Vroom Automotive, LLC issued 16,000 Series A1 preferred units and 4,000 Series B1 preferred units to SPE Holdings 2026-1 for gross proceeds of $20 million, under newly updated LLC and purchase agreements. The preferred units ca...
Vroom Extends Warehouse Credit Facility Commitment Termination Date
PositiveOn August 26, 2026, Vroom, Inc.’s subsidiaries United Auto Credit Corporation and UACC Auto Financing Trust V executed an eleventh amendment to their Amended and Restated Warehouse Agreement with Capital One, N.A. as administrative agent. The a...
Vroom Achieves First-Ever Quarterly Profit and Strengthens Balance Sheet
PositiveVroom reported its second-quarter 2026 results on August 4, 2026, highlighting the first positive net income and adjusted net income in the company’s history for the quarter ended June 30, 2026. The achievement was driven in part by improved re...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 15, 2026