Vroom
Provides indirect auto lending and AI-powered automotive-retail data services.
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Profile
Operates UACC, an indirect auto lender serving third-party dealers, and CarStory, an AI-powered automotive-retail analytics and digital-services business. The holding company replaced its discontinued ecommerce dealership with these remaining operations.
UACC provides vehicle financing to consumers through third-party dealers, primarily in the non-prime market. Its technology platform includes the Credit Decision Engine and the Fast Lane dealer portal. CarStory sells AI-powered analytics and digital services for automotive retail.
The company operates as a holding company through these subsidiaries after discontinuing its ecommerce used-vehicle dealership in 2024. Vroom ceased transacting through vroom.com as the wind-down was substantially completed. A prepackaged Chapter 11 restructuring concluded in 2025, leaving the parent without long-term debt. UACC continues to have financing related to asset-backed securitizations and trust-preferred securities.
Company facts
Key statistics
Year to date −56.1% · Average volume (30d) 9.9K
Analysts
Ratings
Target range
Latest analyst notes
No analyst notes in the last 24 months.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 4, 2026Q2 FY26 | — | $0.16 | — | — | $52.3M | — | −1.54% |
| May 14, 2026Q1 FY26 | — | −$3.61 | — | — | $25.0M | — | −1.93% |
| Mar 26, 2026Q4 FY25 | — | −$1.95 | — | — | $28.4M | — | −5.67% |
| Nov 10, 2025Q3 FY25 | — | −$4.96 | — | — | — | — | −3.92% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $28.4M | $25.0M | $52.3M | |
| Gross profit | −$16.1M | $0 | −$16.3M | $23.3M | $19.2M | $41.6M | |
| Operating income | −$22.0M | −$23.8M | −$18.8M | $2.3M | −$5.6M | $531.0K | |
| Net income | −$6.4M | −$8.5M | −$26.8M | −$11.4M | −$19.1M | $628.0K | |
| Diluted EPS | −$1.23 | −$1.65 | −$5.15 | −$2.19 | −$3.77 | −$0.01 | |
| Gross margin | — | — | — | 82.2% | 76.6% | 79.6% | |
| Operating margin | — | — | — | 8.0% | -22.3% | 1.0% |
Fiscal years (4-quarter sums)FY21 $3.18B · FY22 $1.95B · FY23 $721.5M · FY24 $115.8M · FY25 $28.4M
Revenue by product · FY24
Balance sheet, Jun 30, 2026Cash & short-term investments $16.4M · Total debt $778.6M · Total assets $941.3M · Shareholders' equity $99.8M
Dividends
No dividends on record.
Ownership
Institutions and insiders are filed separately and overlap, so together they can pass the whole company. No split is drawn from them.
Shares outstanding 5.23M · Float —
Float — provider float is below the insider stake.
A Form 4 total here can count shares the filer formally disclaims — an award voted by proxy, for instance — which the holder's own Schedule 13D/G excludes, so where the two disagree the schedule's smaller figure is used.
The provider's float is smaller than the insider stake it should exclude, so it is not shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Mudrick Capital Management, L.P. · director, 10 percent owner: | 3.97M | 75.79% | Form 4 | Jun 16, 2026 |
| Silverback Asset Management LLC | 437.9K | 8.37% | 13F | May 21, 2026 |
| Thomas H. Shortt · director, officer: Chief Executive Officer | 358.0K | 6.84% | Form 4 | Jul 2, 2026 |
| Bank of America Corp /DE/ | 250.0K | 4.78% | 13F | May 18, 2026 |
| Miller Value Partners, LLC | 58.5K | 1.12% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Mudrick Capital Management, L.P. | director, 10 percent owner: | 0 | |
| Jun 15, 2026 | Robert J. Jr Mylod | director | −28,766 | $31.82 |
| Jun 15, 2026 | Mudrick Capital Management, L.P. | director, 10 percent owner: | +31,190 | $34.09 |
| May 8, 2026 | Anna-Lisa Christina Corrales | officer: CLO, CCO, Secretary | −35 | $12.20 |
| Mar 20, 2026 | Jacob Shlomo Benzaquen | officer: Principal Accounting Officer | −7 | $12.07 |
Peers
- Credit Acceptance
Indirect auto finance for dealers and consumers across credit histories
- Ally Financial
Large dealer-centric auto-finance and insurance provider
- Cars.com
Dealer marketplace, digital retail, appraisal, and AI technology platform
- CarGurus
Data-driven auto marketplace and dealer digital-retail solutions
- ACV Auctions
Dealer vehicle-data, valuation, inventory, and digital marketplace platform
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Vroom | $9.18 | +0.33% | $48.1M | — | — | 0.5 | +138.4% |
| Credit Acceptance | $594.11 | −0.11% | $6.22B | 13.1 | 11.6 | 2.7 | +2.1% |
| Ally Financial | $42.18 | 0.00% | $12.83B | 9.9 | 7.1 | 0.8 | −0.3% |
| Cars.com | $11.71 | −1.92% | $667.5M | 20.8 | 4.9 | 0.9 | +0.7% |
| CarGurus | $36.56 | −0.05% | $3.53B | 19.9 | 13.1 | 3.6 | +7.2% |
| ACV Auctions | $7.16 | +0.07% | $1.25B | — | 26.0 | 1.6 | +10.5% |
| Median | 16.5 | 11.6 | 1.6 | +2.1% |