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Vroom (VRM) investor relations material
Vroom Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Emerged from Chapter 11 bankruptcy on January 14, 2025, eliminating parent-level debt, recapitalizing the balance sheet, and applying fresh start accounting, making pre- and post-emergence results not directly comparable.
Discontinued ecommerce and used vehicle dealership operations, now focused on UACC (auto finance) and CarStory (AI analytics for auto retail).
Issued $10M in 5% convertible notes due 2030 and expanded a delayed draw facility to $35M.
Net loss from continuing operations was $27.1M for Q3 2025, improved year-over-year.
Adjusted net loss for Q3 2025 was $25.7M, up 29.8% YoY for UACC but improved year-over-year overall.
Financial highlights
Net loss for the nine months ended September 30, 2025, was $41.6M, a significant improvement from a $128.6M loss in the prior year.
Consolidated total available liquidity was $59.2M as of September 30, 2025, including $12.4M in cash and $35.0M from a delayed draw facility.
Interest income for Q3 2025 was $44.8M, down 10.7% year-over-year; net interest income after losses and recoveries was negative $11.7M.
Total expenses for Q3 2025 were $24.8M, down 44.7% year-over-year.
Noninterest income for Q3 2025 totaled $9.5M, down from $10.7M in Q3 2024.
Outlook and guidance
Management expects continued pressure from higher credit losses and macroeconomic headwinds into 2026.
Full-year adjusted net loss is expected to align with the original plan of approximately $(56) million, with Q1 gains offset by Q3 mark-to-market losses.
Focus remains on improving UACC profitability, reducing credit losses, and leveraging CarStory data for underwriting and servicing.
Liquidity is expected to be sufficient for at least the next 12 months, supported by cash, credit facilities, and the delayed draw facility.
How to interpret TTM net loss improvement post-fresh start?
How does new capital structure support long-term plan?
What drove UACC's Q3 realized/unrealized loss increase?
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Frequently asked questions
Vroom, Inc. operates as an e-commerce used automotive retailer in the United States. It provides various services, such as online car buying and selling; home delivery; buyer protection products that include vehicle maintenance service plans, warranty plans, and financing plans; and vehicle servicing and protection products.
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