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Vroom (VRM) investor relations material
Vroom Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Emerged from Chapter 11 bankruptcy on January 14, 2025, eliminating all parent-level long-term debt and recapitalizing the balance sheet; fresh start accounting applied, making post-emergence results not directly comparable to prior periods.
Operations now focus on UACC (auto finance) and CarStory (AI analytics), following the wind-down of ecommerce and used vehicle dealership business in Q1 2024.
Common stock underwent a 1-for-5 conversion, with 5,163,109 new shares and 364,516 warrants issued as part of the restructuring.
Net loss and adjusted net loss decreased year-over-year, reflecting operational improvements and better loan portfolio performance at UACC.
Financial highlights
Net loss from continuing operations for Q2 2025 was $(8.9) million, compared to $(19.1) million in Q2 2024.
Adjusted net loss for Q2 2025 was $(6.7) million, improved from $(15.0) million in Q2 2024.
Net interest income after losses and recoveries for Q2 2025 was $13.1 million, down from $18.2 million in Q2 2024.
Consolidated total available liquidity was $55.9 million as of June 30, 2025, including $14.3 million in cash, $16.6 million in warehouse credit facility availability, and $25.0 million from a new line of credit.
Total expenses for Q2 2025 decreased 33.7% year-over-year to $30.8 million.
Outlook and guidance
Management expects existing cash, credit facilities, and a $25 million delayed draw term loan to be sufficient for at least the next twelve months.
Focus remains on improving UACC profitability, reducing credit losses, and leveraging CarStory data for underwriting and servicing.
UACC intends to moderately grow its dealer network and expand into near-prime lending.
Management expects continued benefits from operational initiatives and cost savings, with a focus on UACC's business and maintaining liquidity.
Forward-looking statements highlight risks and uncertainties related to restructuring, strategic initiatives, and future financial results.
Quantify fresh start accounting's intangible asset impact
Detail UACC loan portfolio performance progress
How does the new credit line support long-term strategy?
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Q3 20257 Nov, 2025
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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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