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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. The company also provides an artificial intelligence-powered analytics and digital services platform for automotive dealers, automotive financial services companies, and automotive industry. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. Vroom, Inc. was incorporated in 2012 and is based in Fort Worth, Texas.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $7M | $3M | $-53M | $68M | -45.5% | -40.4% | -67.9% |
| 2024 | $12M | $-43M | $-165M | $-101M | 533.6% | -6.3% | -54.7% |
| 2023 | $12M | $-7M | $-365M | $-536M | -285.6% | -99.4% | -19.3% |
| 2022 | $1.9B | $-392M | $-452M | $-133M | -95.1% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 6.91 |
| Operating Revenue | 6.91 |
| Cost Of Revenue | - |
| Gross Profit | - |
| Operating Expense | 85.44 |
| Selling General And Administration | 82.09 |
| Total Expenses | 85.44 |
| Operating Income | -78.53 |
| Total Operating Income As Reported | - |
| EBITDA | 2.94 |
| Normalized EBITDA | 7.10 |
| EBIT | -0.40 |
| Interest Income | 171.65 |
| Interest Expense | 53.35 |
| Net Interest Income | 118.30 |
| Other Non Operating Income Expenses | -89.37 |
| Other Income Expense | -93.53 |
| Interest Income Non Operating | 171.65 |
| Interest Expense Non Operating | 53.35 |
| Net Non Operating Interest Income Expense | 118.30 |
| Pretax Income | -53.75 |
| Tax Provision | 0.29 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.87 |
| Net Income Continuous Operations | -54.05 |
| Net Income From Continuing And Discontinued Operation | -53.05 |
| Net Income From Continuing Operation Net Minority Interest | -54.05 |
| Net Income | -53.05 |
| Net Income Common Stockholders | -53.05 |
| Net Income Including Noncontrolling Interests | -53.05 |
| Normalized Income | -50.76 |
| Diluted NI Availto Com Stockholders | -53.05 |
| Basic Average Shares | 5.18 |
| Diluted Average Shares | 5.18 |
| Reconciled Depreciation | 3.35 |
| Reconciled Cost Of Revenue | - |
| Total Unusual Items | -4.16 |
| Total Unusual Items Excluding Goodwill | -4.16 |
| Net Income Discontinuous Operations | 1 |
| Special Income Charges | -4.16 |
| Other Special Charges | - |
| Write Off | 4.16 |
| Impairment Of Capital Assets | - |
| Restructuring And Mergern Acquisition | 0 |
| Depreciation Amortization Depletion Income Statement | 3.35 |
| Depreciation And Amortization In Income Statement | 3.35 |
| General And Administrative Expense | 82.09 |
| Other Gand A | 11.87 |
| Salaries And Wages | 70.22 |
| Rent Expense Supplemental | - |
| Other Operating Expenses | - |
| Selling And Marketing Expense | - |
| Rent And Landing Fees | - |
| Otherunder Preferred Stock Dividend | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Vroom, Inc.this co. | VRM | $53M | -1.00 | 0.45 | -45.5% | 279.15 |
| Union Bankshares, Inc. | UNB | $106M | 9.60 | 1.32 | 13.7% | - |
| Sound Financial Bancorp, Inc. | SFBC | $100M | 13.92 | 0.91 | 6.5% | - |
| Kestrel Group Ltd | KG | $88M | 1.88 | 0.69 | 36.4% | 796.59 |
| Silvercrest Asset Management Group Inc. | SAMG | $86M | 17.60 |
| - |
| - |
| - |
| - |
| 1.71 |
| 9.7% |
| 4.83 |
| Siebert Financial Corp. | SIEB | $81M | 15.75 | 0.90 | 5.7% | 8.30 |
| eHealth, Inc. | EHTH | $50M | 1.25 | 0.08 | 6.8% | 1.33 |
| MarketWise, Inc. | MKTW | $44M | 7.80 | -3.75 | -48.1% | -0.31 |
| GoHealth, Inc. | GOCO | $21M | -0.08 | 0.56 | -678.9% | -1.98 |
| Peer Median | - | 8.70 | 0.80 | 6.7% | 3.08 | |