# Vroom, Inc. (VRM)

> Source: Nexqual · https://nexqual.com/VRM · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Vroom, Inc. (VRM), nexqual.com/VRM" · informational, not investment advice.

**Price:** USD 7.81 (-6.02% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 8.31 · day 7.76–8.05 · 52w 6.8–27.75 · market cap $40.9M · NGM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $158M, net income -$56.6M (-35.9% margin), free cash flow $70.9M (SEC filings).
- 1 of 80 tracked superinvestors hold VRM (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $113K; 2 not under a Rule 10b5-1 plan ($113K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 2 Form 4 filings, $225K; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: None.
- Total return with dividends: 1Y -68.8% vs S&P 500 +14.9%; 5Y -68.3% vs S&P 500 +80.3%.
- Next earnings: 2026-11-09, EPS estimate USD —, revenue estimate $0K.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.18B | $1.95B | $893M | $169M | $158M | $158M |
| Gross profit | $202M | $245M | $162M | — | — | — |
| Operating income | -$359M | -$572M | -$270M | — | — | — |
| Net income | -$371M | -$452M | -$365M | -$165M | -$53.0M | -$56.6M |
| EPS (diluted) | -$2.72 | -$262.15 | -$209.17 | -$91.07 | -$10.24 | — |
| Free cash flow | -$597M | -$133M | -$536M | -$101M | $68.1M | $70.9M |
| Gross margin | 6.3% | 12.6% | 18.1% | — | — | — |
| Operating margin | -11.3% | -29.3% | -30.3% | — | — | — |
| Net margin | -11.6% | -23.2% | -40.8% | -97.8% | -33.7% | -35.9% |
| Revenue growth | +134.5% | -38.8% | -54.2% | -81.1% | -6.7% | — |
| Cash + short-term investments | $1.13B | $399M | $136M | $29.3M | $10.4M | — |
| Total debt | $611M | $449M | $627M | $381M | $423M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 0.3x · EV/Sales 3.3x · P/FCF 0.6x · P/B 0.4x · FCF yield 173.55% · Earnings yield -138.47% · Net debt $473M · EV $514M

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold VRM. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Bill Miller | Miller Value Partners | 0.11% | $450K | Unchanged |

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-06-15 | Mylod Robert J Jr | Director | 15,595 | $113K | 46.8% | No | Too little history (no open-market trades in 2025) |
| 2026-05-08 | Corrales Anna-Lisa Christina | CLO, CCO, Secretary | 35 | $0K | 0.1% | No | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
2 purchases, $225K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-06-15 | Mudrick Capital Management, L.P. | Director | 15,595 | $113K | 7.22 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-15 | Mudrick Capital Management, L.P. | Director | 15,595 | $113K | 7.22 | Too little history (no open-market trades in 2023 or 2024) |

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2025-02-17) |
|---|---|---|
| Total return | -68.8% | -68.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -68.9% | -49.6% |
| Volatility (annualized) | 101.3% | 85.8% |
| Max drawdown | -73.8% (Dec 2025→Jul 2026) | -81.7% (Apr 2025→Jul 2026) |

## Peers (Credit Services)
SWRD (STEWARDS INC) USD 2.63 -0.00% · QFIN (Qfin Holdings, Inc.) USD 5.47 +0.37% · GDOT (Green Dot Corporation) USD 12.39 +1.56% · FINV (FinVolution Group) USD 3.06 +2.00% · LU (Lufax Holding Ltd) USD 0.84 -89.91% · PRAA (PRA Group, Inc.) USD 19.96 -2.87%

## More
Full page: https://nexqual.com/VRM · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in VRM's own 10-K filed 2026-03-26 (https://www.sec.gov/Archives/edgar/data/1580864/000119312526126253/vrm-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | United Auto Credit | "Changes in demographics and population, local and regional downturns, or severe weather conditions and other catastrophic occurrences in any of the states where UACC has a high concentration of borrowers or dealership pa…" |

## Company outlook (8-K filed 2026-08-04)

- "The foregoing estimates are forward-looking statements that reflect the Company's expectations as of August 4, 2026 and are subject to substantial uncertainty."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |