# Vroom, Inc. (VRM)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001580864 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001580864))
- Full page: https://inspectstocks.com/stocks/vrm
- Data as of: price 2026-09-25; newest filing used 2026-08-04; latest fiscal period ended 2026-06-30

## Grade

**F** on the balance-sheet rubric used for lenders, 1 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -$56.6M |  |
| Earnings growing overall | passed | -$56.6M | -$165.7M |
| Earnings growing recently | failed | -$56.6M | -$53.1M |
| Earns well on its assets | failed | -6.0% |  |
| Book value per share growing | failed | $22.49 | $278.35 |

Business quality (the + / − mark): 3 of 9 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -35.9% |  |
| Healthy profit margin | failed | -35.9% |  |
| Strong operating margin | failed | 0.0% |  |
| Good return on equity | failed | -48.5% |  |
| Debt under control | failed | 3.71 |  |
| Turns sales into cash | passed | 44.9% |  |
| Earns a wide spread on lending | passed | 13.3% |  |
| Runs the bank efficiently | failed | 71.4% |  |
| Credit losses well covered | passed | 2.6% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $157.8M |
| Net income, trailing twelve months | -$56.6M |
| Free cash flow, trailing twelve months | $70.9M |
| Net margin | -35.9% |
| Return on equity | -48.5% |
| Debt to equity | 3.71 |
| Diluted EPS, trailing twelve months | -$11.00 |
| Share price | $9.66 |
| Market value | $50.3M |
| Price / sales | 0.3x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/vrm)
- [Financial statements](https://inspectstocks.com/stocks/vrm/financials)
- [Competitors](https://inspectstocks.com/stocks/vrm/peers)
- [Earnings](https://inspectstocks.com/stocks/vrm/earnings)

---

Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.