Vroom, Inc. (VRM)
Financials · NGM
Price as at 1 Oct 2026, 03:42 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Vroom, Inc. trades at $9.90, which is 58% below the $15.60 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 25 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
About Vroom, Inc.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
VRM passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
2 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Bill Miller, MILLER VALUE PARTNERS, LLC$450.4K · 0.1% of book
- Marshall Wace, MARSHALL WACE, LLP$373.2K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
VRM peers
The largest companies in the same industry (Credit Services), then in the same sector.
- V Visa Inc.
- AFRM Affirm Holdings, Inc.
- OMF OneMain Holdings, Inc.
- BFH Bread Financial Holdings, Inc.
- UPST Upstart Holdings, Inc.
- EZPW EZCORP, Inc.
- AGM-A Federal Agricultural Mortgage Corporation
- QFIN Qfin Holdings, Inc.
Every financials company we cover is on the Financials hub.
Common questions
Is Vroom, Inc. (VRM) undervalued?
Against our fair value estimate of $15.60, VRM at $9.90 is 58% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own VRM?
2 of the institutions we track reported a position in VRM in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
Where does SteadyShares get its VRM data?
Fundamentals for VRM come from company filings and exchange data, as listed on NGM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:42 UTC and is delayed. Our data quality score for this company is 79/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for VRM, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.