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VROOM INC (VRM) Stock Fundamental Analysis

NASDAQ:VRM - US92918V2088 - Common Stock

28.36 USD
-0.14 (-0.49%)
Last: 9/2/2025, 3:29:15 PM
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to VRM. VRM was compared to 54 industry peers in the Consumer Finance industry. VRM may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, VRM is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year VRM has reported negative net income.
VRM had a negative operating cash flow in the past year.
In the past 5 years VRM always reported negative net income.
VRM had a negative operating cash flow in each of the past 5 years.
VRM Yearly Net Income VS EBIT VS OCF VS FCFVRM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 -100M -200M -300M -400M -500M

1.2 Ratios

VRM has a Return On Assets of -24.02%. This is amonst the worse of the industry: VRM underperforms 94.44% of its industry peers.
Looking at the Return On Equity, with a value of -5762.74%, VRM is doing worse than 92.59% of the companies in the same industry.
Industry RankSector Rank
ROA -24.02%
ROE -5762.74%
ROIC N/A
ROA(3y)-22.79%
ROA(5y)-25.81%
ROE(3y)-144.96%
ROE(5y)-108.63%
ROIC(3y)N/A
ROIC(5y)N/A
VRM Yearly ROA, ROE, ROICVRM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 -50 -100 -150 -200 -250

1.3 Margins

VRM has a Gross Margin of 19.04%. This is in the lower half of the industry: VRM underperforms 64.81% of its industry peers.
In the last couple of years the Gross Margin of VRM has grown nicely.
VRM does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 19.04%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y50.97%
GM growth 5Y20.6%
VRM Yearly Profit, Operating, Gross MarginsVRM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 10 -10 -20 -30 -40

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2. Health

2.1 Basic Checks

VRM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VRM has been increased compared to 1 year ago.
VRM has more shares outstanding than it did 5 years ago.
The debt/assets ratio for VRM is higher compared to a year ago.
VRM Yearly Shares OutstandingVRM Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 500K 1M 1.5M
VRM Yearly Total Debt VS Total AssetsVRM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

Based on the Altman-Z score of -3.00, we must say that VRM is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of VRM (-3.00) is worse than 72.22% of its industry peers.
VRM has a Debt/Equity ratio of 224.47. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 224.47, VRM is not doing good in the industry: 92.59% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 224.47
Debt/FCF N/A
Altman-Z -3
ROIC/WACCN/A
WACC7.81%
VRM Yearly LT Debt VS Equity VS FCFVRM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 0 500M -500M 1B

2.3 Liquidity

VRM has a Current Ratio of 0.19. This is a bad value and indicates that VRM is not financially healthy enough and could expect problems in meeting its short term obligations.
VRM has a worse Current ratio (0.19) than 75.93% of its industry peers.
VRM has a Quick Ratio of 0.19. This is a bad value and indicates that VRM is not financially healthy enough and could expect problems in meeting its short term obligations.
VRM has a worse Quick ratio (0.19) than 75.93% of its industry peers.
Industry RankSector Rank
Current Ratio 0.19
Quick Ratio 0.19
VRM Yearly Current Assets VS Current LiabilitesVRM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

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3. Growth

3.1 Past

VRM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.83%.
VRM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -55.46%.
The Revenue has been growing slightly by 0.87% on average over the past years.
EPS 1Y (TTM)-32.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.68%
Revenue 1Y (TTM)-55.46%
Revenue growth 3Y-13.03%
Revenue growth 5Y0.87%
Sales Q2Q%-91.44%

3.2 Future

The Earnings Per Share is expected to decrease by -2.45% on average over the next years.
Based on estimates for the next years, VRM will show a very strong growth in Revenue. The Revenue will grow by 23.61% on average per year.
EPS Next Y2.7%
EPS Next 2Y-2.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.55%
Revenue Next 2Y23.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
VRM Yearly Revenue VS EstimatesVRM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
VRM Yearly EPS VS EstimatesVRM Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 -50 -100 -150 -200

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4. Valuation

4.1 Price/Earnings Ratio

VRM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for VRM. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
VRM Price Earnings VS Forward Price EarningsVRM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
VRM Per share dataVRM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100 -150

4.3 Compensation for Growth

VRM's earnings are expected to decrease with -2.45% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.45%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

VRM does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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VROOM INC

NASDAQ:VRM (9/2/2025, 3:29:15 PM)

28.36

-0.14 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-06 2025-08-06
Earnings (Next)11-10 2025-11-10
Inst Owners0%
Inst Owner Change1.18%
Ins Owners0.86%
Ins Owner Change5.22%
Market Cap147.47M
Analysts40
Price TargetN/A
Short Float %0.86%
Short Ratio4.82
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-86.45%
Min Revenue beat(2)-92.67%
Max Revenue beat(2)-80.22%
Revenue beat(4)0
Avg Revenue beat(4)-66.93%
Min Revenue beat(4)-93.55%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-39.98%
Revenue beat(12)2
Avg Revenue beat(12)-30.14%
Revenue beat(16)4
Avg Revenue beat(16)-21.32%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.47
P/FCF N/A
P/OCF N/A
P/B 31.49
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-151.94
EYN/A
EPS(NY)-191.99
Fwd EYN/A
FCF(TTM)-36.21
FCFYN/A
OCF(TTM)-35.18
OCFYN/A
SpS59.75
BVpS0.9
TBVpS-20.57
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -24.02%
ROE -5762.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 19.04%
FCFM N/A
ROA(3y)-22.79%
ROA(5y)-25.81%
ROE(3y)-144.96%
ROE(5y)-108.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y50.97%
GM growth 5Y20.6%
F-Score1
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 224.47
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 16.24%
Cap/Sales 1.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.19
Quick Ratio 0.19
Altman-Z -3
F-Score1
WACC7.81%
ROIC/WACCN/A
Cap/Depr(3y)103.89%
Cap/Depr(5y)122.48%
Cap/Sales(3y)1.26%
Cap/Sales(5y)0.98%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-32.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.68%
EPS Next Y2.7%
EPS Next 2Y-2.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-55.46%
Revenue growth 3Y-13.03%
Revenue growth 5Y0.87%
Sales Q2Q%-91.44%
Revenue Next Year21.55%
Revenue Next 2Y23.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.32%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.31%
OCF growth 3YN/A
OCF growth 5YN/A