VRM
Financial Services · Credit Services
Performance
VRM (VRM) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
VRM (VRM) operates in the Credit Services space within the Financial Services sector. With a market cap of $40M, it qualifies as a small-cap company. Both revenue and profitability are declining, which raises questions about the durability of the current business model.
- Current ratio of 4.4× — ample short-term liquidity
- Price is near its 52-week low — potential entry point with asymmetric upside
- Revenue declined 11% YoY — warning sign for business momentum
- Negative profit margin of -31.5% — company is currently unprofitable
- Negative ROE of -48.3% — shareholder equity is being eroded
- High debt-to-equity of 647.61× increases financial risk, especially with elevated interest rates
- No dividend history — total return depends entirely on price appreciation
Verdict
Avoid
Significant fundamental concerns outweigh positives. High risk at current levels.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
This stock does not pay dividends.
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Aug 6, 2026
51
days
EPS (TTM)
$-12.95
P/E (TTM)
—
Fwd P/E
-0.0
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $7.65
Graham Number
√(22.5 × EPS × Book Value)
N/A
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
N/A
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
1/10
14% score
Pays dividends
No dividend history found
Dividend consistency (5Y+)
Uninterrupted dividend payments for at least 5 years
ROE above 10%
-48.3%Return on equity — measures how efficiently capital is used
Positive profit margin
-31.5%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
-10.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
647.61×Low financial leverage reduces risk of distress
Current ratio above 1
4.37×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$77K/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Related Assets
Financial Services
About VRM
Vroom, Inc., through its subsidiaries, operates as an automotive finance company. It offers vehicle financing to its customers through third party dealers under the UACC brand. The company also provides an artificial intelligence-powered analytics and digital services platform for automotive dealers, automotive financial services companies, and automotive industry. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. Vroom, Inc. was incorporated in 2012 and is based in Fort Worth, Texas.
Sector
Financial Services
Industry
Credit Services
Location
Fort Worth, United States
Employees
649