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Saturday 17 October 2026 Export VRM’s income statement to Excel — free account

Vroom, Inc.

VRM Financial Credit Services

In the quarter to June 2026, revenue fell 4.68%, EPS grew 99.4%, free cash flow grew 8.45% and total debt fell 6.09%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

8.93 0.09 +1.02%
Market cap
$46.3M
P/E
0.0×
Fwd P/E
−0.1×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.11
Total sells 0.11
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — 1 — — — —
Sell — — — — 2 — 1 1 — — — —
Insider Ownership 2.38%

Capital & Financial Ratios $m

Market Cap 46.25
Revenue 174.83
Net Income (57.15)
Free Cash Flow 70.95
Net Debt 454.08
Current Ratio 0.00
Debt/Equity 5.30
P/E ratio 0.00
Fwd P/E (0.07) (negative: loss-making)
P/S ratio 0.27
P/B ratio 0.47
Past 5Y EPS Growth —
This Y EPS Growth 11.80%
Next Y EPS Growth (7.87%) (below 0%: weak)
Next Y revenue growth 582.25% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 58.91%
10-year low 10-year high
P/B against its own 10 years 53.12%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2019 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 209 78 66 75
Receivables 867 836 821 820
Inventory — — — —
Other — — — —
1,076 914 888 —
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — — — —
Other 421 360 319 241
421 360 319 241

Compound Annual Growth %

10y 5y 3y
Sales — (33.33%) (54.90%)
Cash Flow — 0.00% 0.00%
Earnings — 0.00% 0.00%
Book Value — (37.54%) (37.39%)

Revenue $m

Mar Jun Sep Dec Year
’26 42 44 — — —
’25 44 46 45 44 179
’24 51 52 50 49 202
’23 34 47 48 50 178
’22 924 475 341 209 1,949
’21 591 762 897 934 3,184
’20 376 253 323 406 1,358
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 18 19 — — —
’25 11 18 19 21 69
’24 23 (66) (32) (22) (97)
’23 (85) (147) (194) (108) (534)
’22 (15) (122) 114 (86) (109)
’21 30 (181) (174) (243) (569)
’20 (25) 25 (183) (172) (355)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 17 17 — — —
’25 9 16 17 20 62
’24 22 (67) (33) (24) (101)
’23 (86) (148) (194) (109) (536)
’22 (22) (131) 110 (90) (133)
’21 26 (187) (183) (253) (597)
’20 (27) 24 (185) (179) (367)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 (3.77) (0.01) — — —
’25 7.50 (1.65) (5.15) (2.19) (1.54)
’24 (188.40) (58.85) (109.95) (20.07) (91.07)
’23 (216.00) (192.00) (236.00) (402.55) (1.05k)
’22 (904.00) (332.00) (148.00) 72.00 (1.31k)
’21 (228.00) (192.00) (288.00) (380.00) (1.09k)
’20 (1.94k) (800.38) (124.00) (184.00) (1.10k)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — — 2,560.00 809.50 66.00 46.40 4.25 5.07

Analyst estimates 2026–2028

Powerpack
High — — — — 6,039.20 4,266.35 952.00 225.60 50.66 41.36
People
People Employees — — — 800 944 1,807 1,323 1,682 710 655
Revenue/emp, $m — — 0.00 1.49 1.44 1.76 1.47 0.11 0.28 0.27
Income, $m
Income, $m Revenue — — 855 1,192 1,358 3,184 1,949 178 202 179
Gross margin, % — — 7.11 4.85 5.27 6.35 12.56 100.00 100.00 100.00
EBT — — (85) (143) (203) (370) (472) (84) (137) (9)
EBT margin, % — — (9.93) (11.98) (14.93) (11.62) (24.20) (47.32) (68.07) (4.84)
Net income — 0 (85) (143) (203) (371) (452) (85) (138) (9)
Depreciation — — 7 7 6 16 241 7 17 4
Per share, $
Per share, $ Revenue — — 39,973.32 55,433.53 7,402.94 9,335.25 5,652.27 102.40 111.33 34.50
Earnings — — (3,989.13) (6,645.50) (1,104.00) (1,088.00) (1,312.00) (1,048.50) (91.07) (1.54)
Cash flow — — (3,033.22) (10,029.58) (1,937.04) (1,667.22) (316.31) (306.19) (53.52) 13.34
Capex — — 597.57 (164.09) (61.77) (83.30) (70.28) (1.51) (1.92) (1.39)
Free cash flow — — (2,435.65) (10,193.67) (1,998.82) (1,750.52) (386.60) (307.69) (55.45) 11.95
Book value — — 0.00 (26,690.79) 6,690.85 2,683.07 1,378.31 73.25 (17.07) 22.50
Shares, m — — 0 0 0 0 0 2 2 5
Valuation, ×
Valuation, × P/E — — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
P/S — — 0.07 0.07 0.44 0.09 0.01 0.48 0.05 0.58
P/B — — 0.00 0.00 0.49 0.32 0.06 0.67 0.00 0.88
EV/Sales — — 0.05 0.05 (0.10) 0.07 0.00 3.92 2.52 3.83
EV/FCF — — (0.25) (0.25) 0.39 (0.35) (0.03) (1.31) (5.07) 11.07
Cash, $m
Cash, $m Operating cash flow — — (65) (216) (355) (569) (109) (534) (97) 69
Capex — — 13 (4) (11) (28) (24) (3) (3) (7)
Free cash flow — — (52) (219) (367) (597) (133) (536) (101) 62
Balance, $m
Balance, $m Working capital — — 145 205 1,115 1,275 517 654 555 569
Total debt — — 120 174 347 1,131 449 627 381 452
Net debt — — (44) (46) (743) (84) (23) 418 303 385
Shareholders’ equity — — — (574) 1,227 915 475 128 (31) 117
Returns, %
Returns, % ROA — — 0.00 (97.88) (17.73) (18.13) (22.68) (23.57) (12.99) (0.79)
ROIC — — 0.00 0.00 (23.06) (26.97) (78.95) (11.31) (24.02) (5.28)
ROE — — 22.55 63.32 (62.09) (34.63) (65.00) (120.95) (341.43) (18.59)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Vroom, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
XYF X Financial Sponsored ADR $116.8M 2.3× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
SUIG Sui Group Holdings Limited $104.5M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
LX LexinFintech Holdings Ltd. Sponsored ADR $90.7M 0.7× 3.1× −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%) Compare
YRD Yirendai Ltd. $67.7M — (loss-making) 2.1× −43.13% (below 0%: shrinking) n/m −332.34% (below 0%: shrinking) 78.70% (39.50%) Compare
WEI Weidai Ltd. Sponsored ADR $67.6M — (loss-making) — −36.85% (below 0%: shrinking) n/m — 0.00% 0.00% Compare
ANTA Antalpha Platform Holding Company $55.9M 3.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
VRM Vroom, Inc. $46.3M — (loss-making) — (loss-making) −4.68% (below 0%: shrinking) n/m +8.45% (above 0%: growing) 100.00% 49.68%
JFIN Jiayin Group Inc. Sponsored ADR $30.9M 1.7× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%) Compare
OMCC Old Market Capital Corporation $24.4M — (loss-making) 26.3× +6.80% (above 0%: growing) n/m −34.36% (below 0%: shrinking) 86.04% (30.48%) Compare
Median of peers $67.7M 2.0× 3.1× −39.99% — 0.00% 57.26% (31.97%)

All 55 Credit Services stocks →

Vroom, Inc. (VRM) key facts

  • Vroom, Inc. (VRM) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, VRM traded at $8.93, a market capitalization of $46.3 million.
  • Return on equity was −18.6% and debt-to-equity 5.30.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Vroom, Inc. (VRM) Latest News

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stockrow.com/VRM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com