Vroom (VRM)
Provides indirect auto lending and AI-powered automotive-retail data services.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
No analyst notes in the last 24 months.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $16.4M · Total debt $778.6M · Total assets $941.3M · Shareholders' equity $99.8M
- Revenue
- $52.3M
- Operating income
- $531.0K
- Net income
- $628.0K
No dividends on record.
| Institutions | 93.48% | 4.87M shares | |
|---|---|---|---|
| 35 holders · as of Jun 30, 2026 | |||
| Insiders | 10.79% | 561.7K shares | |
| 12 holders · as of Jul 2, 2026 | |||
| Adds to | 104.27% | ||
5.21M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 104.27%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Mudrick Capital Management, L.P.Institution | 76.48% | 3.98M | as of Jun 30, 2026 |
Silverback Asset Management LLCInstitution | 8.63% | 449,236 | as of Jun 30, 2026 |
Thomas H. ShorttInsiderdirector, officer: Chief Executive Officer | 6.87% | 357,972 | filed Jul 2, 2026 |
Bank of America Corp /DE/Institution | 4.81% | 250,236 | as of Jun 30, 2026 |
Miller Value Partners, LLCInstitution | 1.12% | 58,488 | as of Jun 30, 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 |
- Credit Acceptance
Indirect auto finance for dealers and consumers across credit histories
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Vroom | $9.35 | −0.85% | $49.4M | — | — | 0.5 | +138.4% |
| Credit Acceptance | $564.15 | −0.02% | $5.90B | 12.4 | 11.0 | 2.5 | +2.1% |
| Ally Financial | $39.39 | −1.25% | $12.13B | 9.4 | 6.6 | 0.8 | −0.3% |
| Cars.com | $10.70 | −6.59% | $640.1M | 20.0 | 4.4 | 0.9 | +0.7% |
| CarGurus | $31.50 | −5.04% | $3.20B | 18.0 | 11.3 | 3.3 | +7.2% |
| ACV Auctions | $10.46 | −0.14% | $1.83B | — | 37.9 | 2.3 | +10.5% |
| Median | 15.2 | 11.0 | 2.3 | +2.1% |