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VRVRM

Vroom, Inc.

$VRM·$53M·Financial - Credit Services·Financial Services
$9.61-4.4%YTD-47.7%1Y-63.2%
Price updated 9m ago·X counts updated 4d ago
VRVRM
$VRMVroom, Inc.
$9.61-4.38%5 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $VRM on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

5X posts · last 7 days
Sep 1Sep 14

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $VRM — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-09-18

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

The former online-used-car retailer has pivoted to consumer credit and just clipped its first profitable quarter — with a sceptical Wall-Street note in tow.

Vroom is a former online-used-car retailer that has restructured into a consumer-finance-focused business, with the previous car-selling operation wound down. It is a genuine post-blowup story where the equity is being priced against a new, much smaller business model rather than the old one.

  • The most recent quarter marked a profitability milestone: management framed the results as reaching a positive-earnings inflection point, and the shares rallied on the print — though reported earnings-per-share still shows a large loss on the trailing quarters because of legacy write-offs and restructuring items.
  • The financial screen is unusual: gross margins sit near half of sales, and reported free-cash-flow yield is very high thanks to legacy working-capital unwind — a number to interpret carefully rather than take at face value.
  • The corporate cadence is workmanlike: a subsidiary consumer-finance vehicle has extended its warehouse credit facility by a short additional term, and a new sell-side coverage note has come out with an underperform recommendation — the market is not yet convinced.

The next earnings print is the credibility check on whether the profitability milestone repeats; a second consecutive positive print would give the turnaround narrative real support, while a slip would confirm the sceptical Wall-Street read.

What to watch: The next quarterly print for whether the profitability milestone repeats, and any further extension or refinance of the subsidiary warehouse-credit facility. A follow-on sell-side upgrade would be a supporting tell.

On the calendar: Q3 earnings — date pending

no x sentiment

Read the AI verdict on $VRM

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 Financial - Credit Services sits in its cycle right now — and what that implies for $VRM.

Financial - Credit Services · Financial Services

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $VRM

Partial — Online used-car retailer; financing penetration on vehicle sales creates indirect exposure to consumer credit conditions, but auto retail volumes and used-car pricing dynamics are the primary revenue drivers, not credit services.

Industry benchmark

19-name peer basket
-8.7%YTD
-15.5%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
Q2 2026Aug 4, 2026$0.16——
Q1 2026May 14, 2026$-3.61——
Q4 2025Mar 26, 2026$-1.95——
Q3 2025Nov 10, 2025$-4.96——
Next earningsMon, Nov 9

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.14%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.+13.5%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.-26.7%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.

Insider activity

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

Recent transactions

BuyAug 13Mudrick Capital Management, L.p.Director— sh—SellJun 15Robert J MylodDirector28.8K sh$915KBuyJun 15Mudrick Capital Management, L.p.Director31.2K sh$1.1MSellMay 8Corrales Anna-lisa ChristinaCLO, CCO, Secretary35 sh$427
+ 17 other (17 awards) 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
Free, forever. No credit card.

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-KPress release / Reg FDAug 48-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Vroom Inc. (VRM) filed an 8-K reporting its Q2 2026 earnings via a press release (Exhibit 99.1, dated August 4, 2026) and an earnings presentation for the quarter ended June 30, 2026 (Exhibit 99.2). Both exhibits are furnished rather than filed. No financial figures appear in the 8-K body. The dual exhibit format — press release plus slide deck — is typical for Vroom's quarterly disclosures.

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
+ 13 other (3 proxys · 2 routine 8-Ks · 2 S-8s · 2 10-Qs) in window

Recent news

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

Vroom Stock Rallies as Q2 Earnings Mark Profitability Milestonebenzinga.com·44d agoVroom Announces Second Quarter 2026 Resultsglobenewswire.com·45d agoZacks Initiates Coverage of Vroom With Underperform Recommendationzacks.com·81d ago

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Voices on X · last 7 days

No standout posts about $VRM on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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