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VROOM INC (VRM) Stock Fundamental Analysis

USA - NASDAQ:VRM - US92918V2088 - Common Stock

23.57 USD
-0.23 (-0.97%)
Last: 10/31/2025, 8:18:49 PM
Fundamental Rating

1

Overall VRM gets a fundamental rating of 1 out of 10. We evaluated VRM against 55 industry peers in the Consumer Finance industry. VRM has a bad profitability rating. Also its financial health evaluation is rather negative. VRM is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

VRM had negative earnings in the past year.
VRM had a negative operating cash flow in the past year.
VRM had negative earnings in each of the past 5 years.
In the past 5 years VRM always reported negative operating cash flow.
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 worse Return On Assets (-24.02%) than 92.73% of its industry peers.
VRM has a Return On Equity of -5762.74%. This is amonst the worse of the industry: VRM underperforms 90.91% of its industry peers.
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

With a Gross Margin value of 19.04%, VRM is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of VRM has grown nicely.
The Profit Margin and Operating Margin are not available for VRM so they could not be analyzed.
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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0

2. Health

2.1 Basic Checks

VRM does not have a ROIC to compare to the WACC, probably because it is not profitable.
VRM has more shares outstanding than it did 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 -3.01, we must say that VRM is in the distress zone and has some risk of bankruptcy.
VRM's Altman-Z score of -3.01 is on the low side compared to the rest of the industry. VRM is outperformed by 70.91% 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.
VRM has a Debt to Equity ratio of 224.47. This is amonst the worse of the industry: VRM underperforms 90.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 224.47
Debt/FCF N/A
Altman-Z -3.01
ROIC/WACCN/A
WACC7.56%
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.
The Current ratio of VRM (0.19) is worse than 72.73% 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 Quick ratio of 0.19. This is in the lower half of the industry: VRM underperforms 72.73% 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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4

3. Growth

3.1 Past

The earnings per share for VRM have decreased strongly by -32.83% in the last year.
Looking at the last year, VRM shows a very negative growth in Revenue. The Revenue has decreased by -55.46% in the last year.
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

VRM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.45% yearly.
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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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for VRM. In the last year negative earnings were reported.
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 (10/31/2025, 8:18:49 PM)

23.57

-0.23 (-0.97%)

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 Change-0.69%
Ins Owners0.86%
Ins Owner Change0.24%
Market Cap122.56M
Revenue(TTM)310.72M
Net Income(TTM)-269869000
Analysts40
Price TargetN/A
Short Float %N/A
Short Ratio17.26
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 0.39
P/FCF N/A
P/OCF N/A
P/B 26.17
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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 -3.01
F-Score1
WACC7.56%
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

VROOM INC / VRM FAQ

What is the ChartMill fundamental rating of VROOM INC (VRM) stock?

ChartMill assigns a fundamental rating of 1 / 10 to VRM.


What is the valuation status of VROOM INC (VRM) stock?

ChartMill assigns a valuation rating of 0 / 10 to VROOM INC (VRM). This can be considered as Overvalued.


What is the profitability of VRM stock?

VROOM INC (VRM) has a profitability rating of 1 / 10.


What is the earnings growth outlook for VROOM INC?

The Earnings per Share (EPS) of VROOM INC (VRM) is expected to grow by 2.7% in the next year.