Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
VRM
Strong SellBargain BinVroom, Inc. · Financial Services · United States · $51M · Avg Vol: $495K/d
18
StockRankGet insider-trade alerts
Q
42
V
51
M
6
P/E (TTM)
—
ROE
-42.8%
D/E
6.4x
Dividend %
—
COMPANY DESCRIPTION
Vroom, Inc., through its subsidiaries, operates as an automotive finance company. It offers vehicle financing to its customers through third party dealers under the UACC brand.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1.9B | 12.4M | 11.6M | 6.9M | -84.7% | — |
| EPS | -86.60 | -71.58 | -31.71 | -10.24 | — | -11.24 |
| Shares | 5.2M | 5.2M | 5.2M | 5.2M | -0.7% | 5.2M |
| Debt | 985.8M | 1.1B | 752.3M | 779.5M | -7.5% | 778.6M |
| Equity | 475.2M | 127.7M | -30.9M | 116.6M | -37.4% | — |
| Op CF | -109.1M | -533.7M | -97.0M | 75.2M | — | 77.7M |
| Inv CF | -164.2M | 173.2M | 132.6M | -108.2M | — | — |
| Fin CF | -469.5M | 97.3M | -166.0M | 37.9M | — | — |
Loading 1Y...
PRICE (1Y)+48.7%
SMA 50SMA 200
Close
$10.26
RSI (14)
54.7
52W High
$30.00
From 52W High
0.3%
SCORE BREAKDOWN
Quality
42
ROIC
-2.5%7.0
ROE
-42.8%2.4
GP/Assets
14.6%81.5
Op. Margin
30.9%47.4
FCF/Assets
7.6%84.2
Piotroski
553.8
Int. Cover
-0.3x13.5
D/E Ratio
6.43x2.7
Current Ratio
3.37x70.5
Value
51
P/E (TTM)
—N/A
EV/EBITDA
71.9x4.2
P/FCF
0.7x95.8
P/B
0.6x89.4
P/S
0.3x98.0
Div Yield
—N/A
Momentum
6
52W High %
34%2.8
RS 6M
-32%6.2
SMA 50/200
0.62x1.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
-1437%0.1
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$51M
P/E (Forward)
-0.1x
Gross Margin
65.9%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of VRM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| VRM | Vroom, Inc.(you) | $51M | 18 | Strong Sell |
| SUIG | SUI Group Holdings Limited | $73M | 9 | Strong Sell |
| FOA | Finance of America Companies Inc. | $166M | 13 | Strong Sell |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 43 | Hold |
| PRAA | PRA Group, Inc. | $721M | 34 | Sell |
| OPFI | OppFi Inc. | $602M | 40 | Hold |
| NAVI | Navient Corporation | $887M | 35 | Sell |
| GDOT | Green Dot Corporation | $760M | 42 | Hold |
| UPST | Upstart Holdings, Inc. | $2.8B | 22 | Sell |
| RM | Regional Management Corp. | $300M | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%