Tearsheet

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.


0 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 288%
Weak multi-year price returns
2Y Excs Rtn is -73%, 3Y Excs Rtn is -109%
Not profitable at operating income level
Op Inc LTMOperating Income, Last Twelve Months is -86 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -744%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 274%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 215%
  Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 657%
2 Attractive yield
FCF Yield is 21%
  Expensive valuation multiples
P/SPrice/Sales ratio is 10x
3 Megatrend and thematic drivers
Megatrends include E-commerce & Digital Retail. Themes include Online Marketplaces, Direct-to-Consumer Brands, and Last-Mile Delivery.
  Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 41%
4   Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -71%
5   Significant short interest
Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 23.33
6   Key risks
VRM key risks include [1] severe financial instability, Show more.
0 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 288%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 274%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 215%
2 Attractive yield
FCF Yield is 21%
3 Megatrend and thematic drivers
Megatrends include E-commerce & Digital Retail. Themes include Online Marketplaces, Direct-to-Consumer Brands, and Last-Mile Delivery.
4 Weak multi-year price returns
2Y Excs Rtn is -73%, 3Y Excs Rtn is -109%
5 Not profitable at operating income level
Op Inc LTMOperating Income, Last Twelve Months is -86 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -744%
6 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 657%
7 Expensive valuation multiples
P/SPrice/Sales ratio is 10x
8 Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 41%
9 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -71%
10 Significant short interest
Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 23.33
11 Key risks
VRM key risks include [1] severe financial instability, Show more.

Valuation, Metrics & Events

VRM Stock


Why The Stock Moved


Qualitative Assessment

AI Analysis | Feedback

Here are key points explaining the approximate -21.1% movement of Vroom (VRM) stock from August 31, 2025, to December 27, 2025:

<br><br>

<b>1. Vroom continued to report net losses in Q3 2025, impacting investor confidence.</b> The company announced a net loss of $26.8 million for the third quarter ended September 30, 2025, with a basic and diluted loss per share of $5.15. While the net loss decreased year-over-year, the ongoing unprofitability likely contributed to negative sentiment.

<br><br>

<b>2. Uncertainty surrounding Vroom's business model transformation.</b> Vroom had previously discontinued its e-commerce operations and used vehicle dealership business as of January 22, 2024, to focus on its automotive finance and AI-powered analytics businesses. This significant shift, while intended to preserve liquidity and maximize stakeholder value, may have introduced uncertainty among investors about the long-term growth and profitability of the streamlined operations.

<br><br>

<b>3. Limited available liquidity may have concerned investors.</b> As of September 30, 2025, Vroom reported $59.2 million in consolidated total available liquidity. This level of liquidity, while managed through various components including cash and credit facilities, might have been perceived as constrained for a company undergoing a strategic pivot and still reporting losses.

<br><br>

<b>4. Bearish analyst sentiment and lack of strong positive ratings.</b> Technical indicators as of December 22, 2025, showed a general bearish sentiment, with more bearish signals than bullish. Furthermore, Vroom had received a consensus "Sell" rating from analysts with an average rating score of 1.00, indicating a negative outlook. This critical view from the market could have put downward pressure on the stock.

<br><br>

<b>5. Lingering impact from recapitalization and emergence from Chapter 11.</b> Although Vroom successfully completed its recapitalization and emerged from a prepackaged Chapter 11 case on January 14, 2025, which eliminated long-term debt at the Vroom, Inc. level, the company's past financial distress and restructuring efforts could still influence investor perception. The market may have continued to assess the efficacy of the restructuring and the overall viability of the new business model in the months following these events.

Show more

Stock Movement Drivers

Fundamental Drivers

The -20.9% change in VRM stock from 9/26/2025 to 12/26/2025 was primarily driven by a -20.5% change in the company's P/S Multiple.
926202512262025Change
Stock Price ($)28.4322.50-20.86%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)11.6111.610.00%
P/S Multiple12.6710.08-20.47%
Shares Outstanding (Mil)5.175.20-0.49%
Cumulative Contribution-20.86%

LTM = Last Twelve Months as of date shown

Market Drivers

9/26/2025 to 12/26/2025
ReturnCorrelation
VRM-20.9% 
Market (SPY)4.3%26.9%
Sector (XLF)3.3%29.7%

Fundamental Drivers

The -21.1% change in VRM stock from 6/27/2025 to 12/26/2025 was primarily driven by a -20.5% change in the company's P/S Multiple.
627202512262025Change
Stock Price ($)28.5122.50-21.08%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)11.6111.610.00%
P/S Multiple12.6810.08-20.52%
Shares Outstanding (Mil)5.165.20-0.71%
Cumulative Contribution-21.08%

LTM = Last Twelve Months as of date shown

Market Drivers

6/27/2025 to 12/26/2025
ReturnCorrelation
VRM-21.1% 
Market (SPY)12.6%23.4%
Sector (XLF)7.4%23.7%

Fundamental Drivers

null
null

Market Drivers

12/26/2024 to 12/26/2025
ReturnCorrelation
VRM  
Market (SPY)15.8%19.1%
Sector (XLF)14.4%23.5%

Fundamental Drivers

null
null

Market Drivers

12/27/2023 to 12/26/2025
ReturnCorrelation
VRM  
Market (SPY)48.0%19.1%
Sector (XLF)51.8%23.5%

Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
VRM Return------25%-25%
Peers Return16%38%-12%21%26%16%150%
S&P 500 Return16%27%-19%24%23%18%114%

Monthly Win Rates [3]
VRM Win Rate-----45% 
Peers Win Rate52%65%42%68%57%52% 
S&P 500 Win Rate58%75%42%67%75%73% 

Max Drawdowns [4]
VRM Max Drawdown------42% 
Peers Max Drawdown-34%-5%-26%-7%-9%-23% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 


[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL. See VRM Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)

How Low Can It Go

VRM has limited trading history. Below is the Financials sector ETF (XLF) in its place.

Unique KeyEventXLFS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-26.9%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven36.7%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven525 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-43.3%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven76.5%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven295 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-26.1%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven35.2%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven338 days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-83.7%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven515.2%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven4,470 days1,480 days

Compare to HPQ, HPE, IBM, CSCO, AAPL

In The Past

SPDR Select Sector Fund's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/12/2022. A -26.9% loss requires a 36.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Vroom (VRM)

Vroom, Inc. operates as an e-commerce used automotive retailer in the United States. It operates end-to-end ecommerce platform for buying, selling, transporting, reconditioning, pricing, financing, registering, and delivering vehicles. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. The company was incorporated in 2012 and is headquartered in New York, New York.

AI Analysis | Feedback

1. A smaller, less established Carvana.

2. The Amazon of used cars.

3. An online-only CarMax.

AI Analysis | Feedback

  • Online Used Car Sales: Facilitates the purchase of pre-owned vehicles directly to consumers through an e-commerce platform, including home delivery.
  • Online Used Car Purchases: Allows individuals to sell their used vehicles to Vroom through an online appraisal and pickup service.
  • Vehicle Financing Solutions: Connects customers with various third-party lenders to secure financing for their vehicle purchases.
  • Vehicle Protection Plans: Offers extended warranties and service contracts for purchased vehicles to provide additional coverage beyond the manufacturer's warranty.

AI Analysis | Feedback

Vroom, Inc. (symbol: VRM) has undergone a significant strategic shift. As of January 2024, the company announced its exit from the used vehicle e-commerce business, meaning it no longer primarily sells vehicles directly to individual consumers.

Vroom's current operations are focused on its two remaining business lines:

  • United Auto Credit Corporation (UACC): A provider of automotive finance solutions. UACC primarily originates vehicle financing for consumers through a network of franchised and independent automobile dealerships.
  • CarStory: An artificial intelligence-powered analytics and digital merchandising platform for the automotive industry. CarStory provides data-driven insights and tools primarily to automobile dealerships.

Therefore, Vroom (VRM) now primarily sells to **other companies**, specifically **automobile dealerships**.

Due to the nature of these businesses, Vroom partners with a broad and diverse network of dealerships across the United States for both UACC's lending services and CarStory's analytics platform. Vroom does not publicly disclose a list of specific, named customer companies (dealerships) that utilize its services. As the customer base consists of a vast number of individual dealership entities, the majority of which are privately held, listing specific names of public companies as major customers is not feasible or publicly available.

AI Analysis | Feedback

  • KAR Auction Services, Inc. (KAR)
  • ACV Auctions Inc. (ACVA)

AI Analysis | Feedback

Thomas Shortt
Chief Executive Officer

Thomas Shortt has served as Vroom's Chief Executive Officer and a member of its board of directors since May 2022. He previously held the role of Vroom's Chief Operating Officer. Prior to joining Vroom, Mr. Shortt was a Senior Vice President at Walmart, where he was responsible for developing the e-commerce supply chain strategy and driving improvements through advanced analytics, processes, and systems. Before his tenure at Walmart, Mr. Shortt held senior leadership positions focused on supply chain, fulfillment, and logistics, with a strong emphasis on change management and business transformation, at companies such as Home Depot, ACCO Brands, Unisource, Fisher Scientific, and Office Depot. He holds a bachelor's degree in Accounting from the University of Akron and is a graduate of the Harvard Business School Advanced Management Program.


Jon Sandison
Chief Financial Officer

Jon Sandison has served as Chief Financial Officer and Treasurer of Vroom since May 2025. Prior to this role, he was the Chief Financial Officer of United Auto Credit Corporation (UACC), a Vroom subsidiary, since February 2024. Mr. Sandison initially joined Vroom in October 2022 as the Vice President of Investor Relations and Financial Planning & Analysis. From 2017 to 2022, he led global Financial Planning & Analysis at Stoneridge, Inc. His previous experience also includes leadership roles in Treasury and Financial Planning & Analysis at Yazaki North America from 2015 to 2017, and leadership roles in Commercial and Community Banking at J.P. Morgan Chase from 2009 to 2015. Mr. Sandison holds a Bachelor of Business Administration from Wayne State University.

AI Analysis | Feedback

The key risks to Vroom's (VRM) business, following its pivot from direct-to-consumer e-commerce to a wholesale marketplace focused on automotive finance and data analytics in January 2024, are primarily centered around its financial viability, the inherent challenges of its lending arm, and competition in its data analytics segment.

  1. Financial Instability and Operating Losses: Vroom has a history of significant operating losses and financial struggles, which led to the cessation of its e-commerce operations and a Chapter 11 bankruptcy filing in November 2024. Despite restructuring its debt and focusing on its subsidiaries, United Auto Credit Corporation (UACC) and CarStory, the company continues to report net losses. For instance, Vroom posted a net loss from continuing operations of $(44.7) million in the first quarter of 2024. Analysts have expressed concerns about the sustainability of the "new Vroom" given its ongoing losses.
  2. Risks in the Auto Finance Sector: Vroom's automotive lending subsidiary, UACC, which focuses on non-prime borrowers, faces substantial risks. These include high default rates, regulatory changes in the lending sector, and broader economic conditions that can impact consumer credit and increase loan delinquencies. In 2024, Vroom experienced $120 million in realized losses from its lending operations, implying a default rate of approximately 14.3%.
  3. Wholesale Used Vehicle Market Volatility and Competition in AI Analytics: Vroom's wholesale business, including CarStory's AI-powered analytics and digital services, is susceptible to the inherent volatility of the used vehicle market, which is influenced by supply and demand fluctuations. CarStory also operates in a competitive landscape, requiring continuous innovation in AI analytics and digital services to maintain its market relevance and competitive edge against other players in the automotive retail sector.

AI Analysis | Feedback

Accelerating deterioration of credit quality and escalating default rates in the subprime auto loan sector.

AI Analysis | Feedback

Vroom (VRM) has shifted its business model. As of January 22, 2024, the company discontinued its e-commerce operations for buying and selling used vehicles to focus on its automotive finance and AI-powered analytics businesses. Therefore, the addressable markets for Vroom's main products and services are for these new segments. Currently, Vroom's main products and services are:
  • Automotive finance, through its subsidiary United Auto Credit Corporation (UACC).
  • AI-powered analytics and digital services for automotive retail, through its CarStory brand.

The addressable market sizes for Vroom's current main products or services are as follows:
  • Automotive Finance (United States): While a specific market size for *used car* automotive finance provided by third-party lenders like UACC is not explicitly detailed in the search results, the overall U.S. used car market is substantial. The U.S. used car market size is estimated at USD 1.05 trillion in 2025 and is expected to reach USD 1.20 trillion by 2030. This figure represents the total value of used cars sold, which would be the underlying market for automotive finance related to used vehicles.
  • AI-powered Analytics and Digital Services for Automotive Retail: Null

AI Analysis | Feedback

Vroom (VRM) is primarily focused on driving future revenue growth through its remaining core businesses, United Auto Credit Corporation (UACC) and CarStory, following the discontinuation of its e-commerce operations in January 2024. The expected drivers of future revenue growth over the next 2-3 years include:

  1. Expansion of United Auto Credit Corporation (UACC) automotive finance business: Vroom's UACC subsidiary, a prominent automotive finance company, is focused on growing its services to both independent and franchise dealers. This includes strengthening its loan portfolio performance and leveraging its extended warehouse capacity to originate more loans.
  2. Growth and monetization of CarStory's AI-powered analytics and digital services: CarStory, a leader in AI-powered analytics and digital services for the automotive retail industry, is positioned to drive revenue by serving and expanding its third-party customer base. Vroom intends to capitalize on the increasing demand for data-driven insights in the automotive sector and explore opportunities to monetize its technology stack through licensing and a SaaS model.
  3. Strategic partnerships and increased market penetration in automotive finance and data services: Vroom aims to grow UACC and CarStory by actively seeking new partnerships and enhancing their market share within their specialized niches of automotive lending and data analytics. This strategy focuses on expanding their reach and impact within the broader automotive ecosystem.
  4. Operational excellence and improved profitability within UACC and CarStory: While not a direct revenue driver, continuous improvement in the operational efficiency and profitability of UACC and CarStory will indirectly fuel revenue growth. This includes efforts to achieve better loan portfolio performance and reduce operating costs, which can free up capital for reinvestment and enable more competitive offerings, ultimately supporting revenue expansion.

AI Analysis | Feedback

Share Repurchases

No information available for share repurchases made or authorized by Vroom over the last 3-5 years.

Share Issuance

  • Vroom completed its Initial Public Offering (IPO) in June 2020, issuing 21,250,000 shares at $22.00 per share and raising $467.5 million.
  • In September 2020, Vroom conducted a secondary public offering (SPO), raising $588.6 million by issuing 10,800,000 shares at $54.50 per share.
  • As part of its prepackaged Chapter 11 case, Vroom emerged on January 14, 2025, after an automatic 1-for-5 common stock conversion, issuing approximately 5,163,109 new shares of common stock and 364,516 warrants to purchase new common stock at an exercise price of $60.95 per share.

Inbound Investments

No information available for large inbound investments made in the company by third-parties, outside of the share issuances detailed above.

Outbound Investments

  • In January 2021, Vroom acquired the CarStory business, which specializes in AI-powered analytics and digital services for automotive retail.
  • Vroom completed the acquisition of United Auto Credit Corporation (UACC), an automotive finance company, for a cash purchase price of $300 million in February 2022, accelerating its strategy to develop a captive financing arm.

Capital Expenditures

  • Vroom's expansion of logistics operations and reconditioning facilities required additional capital expenditures and operating expenses.
  • The company has incurred and continues to incur capital and operating expenses to comply with various laws and regulations.
  • Following the discontinuance of its e-commerce operations and the winding down of its used vehicle dealership business, Vroom's capital expenditures are expected to be significantly reduced and focused on supporting its remaining businesses, UACC and CarStory.

Better Bets than Vroom (VRM)

Trade Ideas

Select ideas related to VRM. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
WU_11212025_Dip_Buyer_FCFYield11212025WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
14.5%14.5%-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper11212025COINCoinbase GlobalMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-1.5%-1.5%-1.5%
PYPL_11142025_Dip_Buyer_FCFYield11142025PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
-4.5%-4.5%-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper11142025VVisaMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
7.6%7.6%-2.7%
WD_11072025_Dip_Buyer_ValueBuy11072025WDWalker & DunlopDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
-11.1%-11.1%-12.1%

Recent Active Movers

More From Trefis

Peer Comparisons for Vroom

Peers to compare with:

Financials

VRMHPQHPEIBMCSCOAAPLMedian
NameVroom HP Hewlett .Internat.Cisco Sy.Apple  
Mkt Price22.5023.2624.49305.0978.16273.4051.32
Mkt Cap0.121.932.6284.9309.24,074.4158.8
Rev LTM1255,29534,29665,40257,696408,62556,496
Op Inc LTM-863,6241,64411,54412,991130,2147,584
FCF LTM252,80062711,85412,73396,1847,327
FCF 3Y Avg-2262,9781,40011,75313,879100,5037,366
CFO LTM323,6972,91913,48313,744108,5658,590
CFO 3Y Avg-2213,6723,89613,49814,736111,5598,697

Growth & Margins

VRMHPQHPEIBMCSCOAAPLMedian
NameVroom HP Hewlett .Internat.Cisco Sy.Apple  
Rev Chg LTM288.0%3.2%13.8%4.5%8.9%6.0%7.4%
Rev Chg 3Y Avg33.0%-3.9%6.5%2.6%3.7%1.8%3.2%
Rev Chg Q-4.2%14.4%9.1%7.5%9.6%9.1%
QoQ Delta Rev Chg LTM0.0%1.1%3.7%2.1%1.8%2.1%2.0%
Op Mgn LTM-744.4%6.6%4.8%17.7%22.5%31.9%12.1%
Op Mgn 3Y Avg-2,484.9%7.4%7.2%16.4%24.2%30.8%11.9%
QoQ Delta Op Mgn LTM131.2%-0.2%-1.4%0.6%0.4%0.1%0.2%
CFO/Rev LTM273.6%6.7%8.5%20.6%23.8%26.6%22.2%
CFO/Rev 3Y Avg-2,011.1%6.8%12.7%21.4%26.1%28.4%17.1%
FCF/Rev LTM215.3%5.1%1.8%18.1%22.1%23.5%20.1%
FCF/Rev 3Y Avg-2,062.7%5.5%4.6%18.6%24.6%25.6%12.1%

Valuation

VRMHPQHPEIBMCSCOAAPLMedian
NameVroom HP Hewlett .Internat.Cisco Sy.Apple  
Mkt Cap0.121.932.6284.9309.24,074.4158.8
P/S10.10.41.04.45.410.04.9
P/EBIT-5.16.819.925.122.531.321.2
P/E-1.58.6572.736.029.941.033.0
P/CFO3.75.911.221.122.537.516.2
Total Yield-66.9%14.1%2.3%5.0%5.4%2.8%3.9%
Dividend Yield0.0%2.5%2.1%2.2%2.1%0.4%2.1%
FCF Yield 3Y Avg-10.6%5.5%6.4%6.0%3.1%6.0%
D/E6.70.50.70.20.10.00.4
Net D/E6.60.30.60.20.00.00.3

Returns

VRMHPQHPEIBMCSCOAAPLMedian
NameVroom HP Hewlett .Internat.Cisco Sy.Apple  
1M Rtn15.9%-1.8%14.4%0.6%2.7%-1.5%1.7%
3M Rtn-20.9%-11.9%2.7%7.9%17.0%7.1%4.9%
6M Rtn-21.1%-4.0%34.5%6.6%15.2%36.3%10.9%
12M Rtn-27.4%-27.3%14.2%39.2%33.7%6.0%10.1%
3Y Rtn-27.4%-3.8%67.7%139.0%79.5%113.4%73.6%
1M Excs Rtn7.7%-5.6%12.9%-2.2%-0.0%-3.7%-1.1%
3M Excs Rtn-25.2%-16.2%-1.7%3.6%12.7%2.8%0.6%
6M Excs Rtn-33.3%-16.3%22.3%-5.7%3.0%24.0%-1.3%
12M Excs Rtn-43.4%-42.9%-0.7%25.0%19.9%-8.4%-4.6%
3Y Excs Rtn-108.8%-83.5%-11.2%59.6%-1.2%28.4%-6.2%

Financials

Segment Financials

Revenue by Segment
$ Mil20242023202220212020
CarStory12    
Corporate0    
United Auto Credit Corporation (UACC)0    
All Other 1392431 
Ecommerce 1,3642,442915588
Retail Financing 153   
Wholesale 294499246213
Texas Direct Auto   195390
Total121,9493,1841,3581,192


Price Behavior

Price Behavior
Market Price$22.50 
Market Cap ($ Bil)0.1 
First Trading Date06/09/2020 
Distance from 52W High-43.7% 
   50 Days200 Days
DMA Price$26.75$26.75
DMA Trenddowndown
Distance from DMA-15.9%-15.9%
 3M1YR
Volatility82.2%73.5%
Downside Capture158.46129.99
Upside Capture14.0774.26
Correlation (SPY)27.5% 
VRM Betas & Captures as of 11/30/2025

 1M2M3M6M1Y3Y
Beta2.012.112.151.380.280.33
Up Beta0.763.604.032.400.51-0.40
Down Beta-1.061.721.890.60-0.31-0.75
Up Capture140%57%46%82%56%6%
Bmk +ve Days13263974142427
Stock +ve Days61624559292
Down Capture314%246%238%171%113%74%
Bmk -ve Days7162452107323
Stock -ve Days142639679898

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
null
Based On 5-Year Data
null
Based On 10-Year Data
null

Short Interest

Short Interest: As Of Date12152025
Short Interest: Shares Quantity61,163
Short Interest: % Change Since 113020257.0%
Average Daily Volume2,622
Days-to-Cover Short Interest23.33
Basic Shares Quantity5,199,581
Short % of Basic Shares1.2%

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/10/2025-3.9%-16.7%7.6%
8/7/2025-0.7%14.7%6.5%
5/14/2025-7.9%-11.6%-2.2%
2/20/2025
11/12/2024   
8/8/2024   
3/13/2024   
11/7/2023   
...
SUMMARY STATS   
# Positive123
# Negative201918
Median Positive 14.7%7.0%
Median Negative-3.9%-14.1%-2.2%
Max Positive14.7%7.6%
Max Negative-7.9%-16.7%-2.2%

SEC Filings

Expand for More
Report DateFiling DateFiling
93020251110202510-Q 9/30/2025
6302025807202510-Q 6/30/2025
3312025514202510-Q 3/31/2025
12312024311202510-K 12/31/2024
93020241112202410-Q 9/30/2024
6302024808202410-Q 6/30/2024
3312024510202410-Q 3/31/2024
12312023313202410-K 12/31/2023
93020231107202310-Q 9/30/2023
6302023808202310-Q 6/30/2023
3312023509202310-Q 3/31/2023
12312022302202310-K 12/31/2022
93020221107202210-Q 9/30/2022
6302022808202210-Q 6/30/2022
3312022509202210-Q 3/31/2022
12312021301202210-K 12/31/2021