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VRVRM

Vroom, Inc.

$VRM·$39M·Auto - Dealerships·Consumer Cyclical
$6.84-8.7%YTD-63.1%1Y-70.2%
Mentions · last 7 days
2026-07-26: 0 posts2026-07-27: 0 posts2026-07-28: 0 posts2026-07-29: 2 posts2026-07-30: 2 posts2026-07-31: 0 posts2026-08-01: 0 posts4+100%
Price updated 8m ago·X counts updated 2d ago
VRVRM
$VRMVroom, Inc.
$6.84-8.68%4 posts+100%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $VRM, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storySelling offAI verdict · as of 2026-08-01

Falling on heavy selling — points lower unless it turns around.

Vroom -63% YTD, -70% 12M — auto-dealership platform at 3% of 52w, Zacks Underperform, Aug 6 print into UACC extension.

Vroom is a US online automotive-retail platform selling pre-owned vehicles, operating primarily through subsidiary United Auto Credit Corporation (UACC) which provides subprime automotive lending. Down 63% YTD and 70% over 12 months as the used-car-retail model plus subprime-lending funding cycles compressed sharply — the tape sits at 3% of 52-week range going into the August 6 print.

Where the setup sits:

  • Q1 was operationally weak: revenue $25M with EPS negative $3.77 and operating margin negative 22% — the P&L is deeply cash-consuming and the near-term earnings power is minimal.
  • The June 30 Amendment No. 29 to the UACC Warehouse Credit Facility with JPMorgan extends the Commitment Termination Date — this signals ongoing capital-structure work at the lending subsidiary, and the volume of amendments (29) reflects sustained refinancing activity.
  • Zacks initiated coverage with an Underperform recommendation — the substantive negative sell-side signal that reinforces the current tape trajectory.
  • Q1 stockholders' equity of $98.4M against a market cap now near $39M implies the equity trades at roughly 40% of book value — the market prices continued value-erosion rather than book-value recognition.

August 6 is the pivot: a Q2 print that at minimum stabilizes the loss trajectory plus firm 2027 UACC-funding-cost commentary is what breaks the current selling; another material EPS miss or a fresh warehouse-facility-refinancing setback and the -63% YTD extends toward the lows as the going-concern math tightens further.

What to watch: The August 6 Q2 print — a print stabilizing the loss trajectory plus firm 2027 UACC-funding-cost commentary breaks the selling; another material EPS miss or fresh warehouse-facility-refinancing setback and the -63% YTD extends.

On the calendar: 2026-08-06 — Q2 earnings

Read the AI verdict + X sentiment for $VRM

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What it does

Plain-English summary of the business — what they sell and how they make money.

Online used-car retailer offering end-to-end digital buying, financing, and home delivery across the US.

Industry overviewAI analysisGenerated by AI from underlying data

Where Auto - Dealerships sits in its cycle right now — and what that implies for $VRM.

Auto - Dealerships · Consumer Cyclical

No material change from last week — Carvana's proprietary inspection, reconditioning, and financing infrastructure creates cost efficiency that legacy dealers cannot match at scale.

What this means for $VRM

Partial — Online used-car retailer offering end-to-end digital buying, financing, and home delivery across the US; partial earnings exposure to auto - dealerships demand dynamics through its product portfolio.

Industry benchmark

6-name peer basket
-24.2%YTD
-34.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-0.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-90.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-86.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
126%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-53.3%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
49.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
7.9Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 14, 2026$-3.61——
Q4 2025Mar 26, 2026$-1.95——
Q3 2025Nov 10, 2025$-4.96——
Q2 2025Aug 7, 2025$-1.73——
Next earningsThu, Aug 6

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$25.0M—76.6%-22.3%$-3.77$17.1M
Q4 FY25$28.4M+903.3%82.2%8.0%$-2.19$19.6M
Q3 FY25$0-100.0%——$-5.15$17.5M
Q2 FY25$0-100.0%——$-1.65$16.0M

Forward consensus

1-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.3B$4.3B – $4.3B-$61.60-$61.60 – -$61.601

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.3%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-14.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-52.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 5.1M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β-0.035-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 15Robert J MylodDirector28.8K sh$915KBuyJun 15Mudrick Capital Management, L.p.Director31.2K sh$1.1MSellMay 8Corrales Anna-lisa ChristinaCLO, CCO, Secretary35 sh$427SellMar 20Benzaquen Jacob ShlomoPrincipal Accounting Officer7 sh$84SellMar 20Corrales Anna-lisa ChristinaCLO, CCO, Secretary18 sh$217
+ 14 other (13 awards · 1 inkind) in window

See when $VRM insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementJul 78-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Vroom, Inc.'s subsidiaries United Auto Credit Corporation (UACC) and UACC Auto Financing Trust IV entered into Amendment No. 29 to their Warehouse Credit Facility with JPMorgan Chase as administrative agent on June 30, 2026, extending the Commitment Termination Date from July 2, 2026 to June 2, 2027. The amendment increases the maximum leverage ratio, simplifies the minimum tangible net worth threshold, updates performance triggers, and increases the maximum advance rate; VFH (UACC's parent) also provided a performance guaranty. Operationally critical facility extension for Vroom's auto financing subsidiary — prevents a funding disruption and provides a full year of additional runway for UACC's loan origination pipeline.

8-KShareholder voteJun 128-K — Item 5.07: Shareholder vote
AI summary

Vroom, Inc. filed an 8-K (Item 5.07) dated June 11, 2026, reporting annual meeting shareholder vote results. The excerpt is cover-page only with no vote tallies visible. This is a routine governance disclosure; without vote details, materiality cannot be assessed, though Vroom has been restructuring its operations following its exit from the used-car retail business.

SC 13D/AActivist amendmentJun 3SC 13D/A
AI summary

Mudrick Capital Management, L.P. (Jason Mudrick, New York) filed SC 13D/A Amendment No. 3 on Vroom, Inc. (VRM) common stock as of May 14, 2026. The filing reports shared voting and dispositive power over 3,967,251 shares with zero sole power, indicating Mudrick holds its position through funds. As a known distressed/special-situation activist manager, Mudrick's continued amended filings on Vroom signal ongoing monitoring and potential influence over a company navigating a post-wind-down transition.

S-3Shelf registrationMay 15S-3
AI summary

Vroom, Inc. filed an S-3 shelf registration statement on May 15, 2026 (CEO Thomas Shortt), registering securities for offer and sale on a delayed or continuous basis under Rule 415. The total registered amount is not specified in the excerpt; proceeds and use would appear in a subsequent prospectus supplement. Counsel from Latham & Watkins and Hogan Lovells participated. This shelf registration signals Vroom is positioning to access capital markets as it executes its post-used-car-retail strategic transformation into fintech/data services.

8-KPress release / Reg FDMay 158-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Vroom, Inc. filed an 8-K on May 15, 2026 (event date May 14, 2026) covering Items 2.02 (results of operations) and 7.01 (Reg FD), with exhibits under Item 9.01. Item 2.02 signals an earnings release; Item 7.01 indicates an accompanying investor presentation was also furnished. The specific financial results and presentation content are in the attached exhibits. This is a material earnings-related disclosure — significant for investors monitoring Vroom's post-restructuring financial trajectory.

8-KPress release / Reg FDMar 268-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KMaterial agreementFeb 68-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
+ 8 other (3 proxys · 1 routine 8-K · 1 EFFECT · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Zacks Initiates Coverage of Vroom With Underperform Recommendationzacks.com·35d agoVroom Announces First Quarter 2026 Results $98.4 million stockholders' equity as of March 31, 2026globenewswire.com·81d ago

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Voices on X · last 7 days

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