Vroom, Inc. (VRM)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$10.83+6.39%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · VRM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -76.9% |
| Our one-year growth estimate | diamond | -9.1% |
Growth built into the price is above our model estimate.
The price assumes 67.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Elevated risk of a next-quarter earnings miss: this name has been missing across recent quarters and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 38 industry peers · Company calendar date is not available
VRM — credit agreement
Dated 2026-08-28
Other Events. Amendment to Warehouse Credit Facility On August 26, 2026, Vroom, Inc.’s (the “Company’s”) wholly-owned subsidiaries United Auto Credit Corporation (“UACC”) and UACC Auto Financing Trust V (the “Trust V”), entered into Amendment No. 11 (“Amendment No. 11”) to that certain Amended and Restated Warehouse Agreement, dated as of March 29, 2021 (as amended, the “Warehouse Credit Facility”), by and among the Trust V, as borrower, UACC, as servicer, custodian, and sole certificate hold…
Why it matters: More cash helps the company invest and grow.
Supportive ifThe company has more than $63.9 million in cash.
Worry ifThe company has less than $63.9 million in cash.
Why it matters: Changes in adjusted net loss guidance will show how well Vroom is managing costs.
Watch forAdjusted net loss guidance for 2026 is updated to below $25 million.
Also watch forAdjusted net loss guidance remains above $30 million.
Why it matters: Good cash flow would show that management is working to be more efficient.
Supportive ifCash from operations remains positive in Q2.
Worry ifCash from operations turns negative in Q2.
Why it matters: Changes can affect Vroom's access to money. This impacts its ability to be flexible.
Watch forA new change to the Warehouse Credit Facility is announced. It has better terms.
Also watch forNo new changes or bad terms are reported.
Why it matters: Controlling expenses is important for Vroom's profits. It shows they manage costs well.
Supportive ifTotal expenses were below $30 million in Q3 2026.
Worry ifTotal expenses go over $30 million. This suggests possible issues with cost control.
Why it matters: A drop in sector revenue growth could signal broader economic issues. This may impact Vroom's performance.
Worry ifSector revenue growth falls below its median of 15% year over year.
Less concerning ifSector revenue growth stays above its median of 15% year over year.
Why it matters: Improving operating income shows Vroom is getting better at managing costs. This is key for future growth.
Supportive ifQ2 operating income is better than last year. It is getting closer to breakeven.
Worry ifQ2 operating income worsens or stays negative year over year.
Why it matters: Strong performance from the dealer portal could boost Vroom's market position.
Supportive ifManagement sees strong early signs from the dealer portal.
Worry ifManagement sees weak signs from the dealer portal.
Why it matters: Better operating income means the company is losing less money. This matters to management.
Supportive ifOperating income is better than -$18.85M.
Worry ifOperating income is worse than -$18.85M.
Why it matters: Positive net income would show the company is improving. It would mean management's plan is working.
Supportive ifQ3 net income was positive and over $0.6 million.
Worry ifQ3 net income was negative. This shows progress may be reversing.
Why it matters: An increase in expenses could show poor cost management.
Worry ifTotal expenses were below $29.1 million.
Less concerning ifTotal expenses rise above $29.1 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$351 on $10,000 · ±3.5% | How much price usually moves either way. |
| Bad day | $939 loss on $10,000 · 9.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $7,575 loss on $10,000 · 75.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.