Welcome to our dedicated page for Vroom SEC filings (Ticker: VRM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Vroom, Inc. (VRM) files a range of documents with the U.S. Securities and Exchange Commission that shed light on its role as a holding company for United Auto Credit Corporation (UACC) and CarStory, as well as its capital structure, financing arrangements and restructuring activities. These SEC filings include annual and quarterly reports, along with numerous current reports on Form 8-K describing material events.
For Vroom, Form 8-K filings are especially important. The company has used 8-Ks to disclose its entry into note purchase agreements for convertible notes and senior secured delayed draw notes, amendments to warehouse credit facilities and loan and security agreements, and the terms of its Restructuring Support Agreement. Other 8-Ks report the completion of its recapitalization, emergence from a prepackaged Chapter 11 case, changes to its capital structure, and updates on the relisting of its common stock on the Nasdaq Global Market under the symbol VRM and the trading of its warrants under the symbol "VRMMW".
Vroom’s periodic reports, such as Forms 10-K and 10-Q referenced in its news releases, provide segment-level disclosures for UACC and CarStory, detailed discussions of interest income and expenses, realized and unrealized losses, noninterest income categories, and expenses including compensation, professional fees and software and IT costs. These filings also discuss risk factors, fresh-start accounting following the January 14, 2025 emergence from Chapter 11, and the distinction between Predecessor and Successor reporting periods.
On this SEC filings page, users can review Vroom’s regulatory history, including disclosures about warehouse credit facilities, asset-backed securitizations, convertible notes, and other obligations. Stock Titan’s tools can surface key items from lengthy filings, helping readers quickly identify material definitive agreements, new financing commitments, recapitalization terms and other events that affect Vroom’s financial position and equity structure.
Vroom, Inc. files its annual report detailing a major restructuring and a new, narrower business focus. The company emerged from a Prepackaged Chapter 11 Case in January 2025, discharging about $290 million of unsecured convertible notes and cancelling all prior equity, then issuing 5,163,109 new common shares and 364,516 warrants.
Vroom has exited its ecommerce used-vehicle marketplace and now centers on two businesses: UACC, a non-prime and near-prime auto lender with about 76,000 contracts and $950 million in receivables as of December 31, 2025, and CarStory, an AI-driven automotive data and pricing platform. UACC relies on warehouse credit facilities and securitizations and is experiencing rising credit losses.
The report highlights tight liquidity—cash of $10.4 million and restricted cash of $55.9 million at year-end 2025—ongoing net losses, and heavy dependence on maintaining funding lines and Nasdaq listing. A four-part Long-Term Strategic Plan emphasizes advanced analytics in lending, dealer-focused sales and marketing, and digital-first servicing to return UACC to profitability.
Vroom, Inc. reported significantly improved 2025 results after emerging from a prepackaged Chapter 11 process and applying fresh-start accounting. For the Non-GAAP combined year, net loss from continuing operations was about $9 million, while adjusted net loss narrowed to $49.2 million, a $66 million year-over-year improvement.
Stockholders’ equity was $116.6 million as of December 31, 2025, with tangible book value of $104.2 million. Total available liquidity was $48.7 million, including $10.4 million of cash and cash equivalents, $11.3 million of warehouse credit facility availability and $27.0 million from a delayed draw facility.
Vroom highlighted its UACC and CarStory businesses and noted $481 million of indirect loan origination in 2025. For 2026, it projects indirect origination volume of $475–$515 million and an adjusted net loss between $(20) million and $(25) million, indicating a path toward further loss reduction but not yet profitability.
Vroom, Inc. chief legal officer and corporate secretary Anna-Lisa Christina Corrales reported a small sale of 18 shares of common stock on March 20, 2026 at a weighted average price of $12.0657 per share. According to the disclosure, these shares were sold solely to satisfy tax withholding obligations related to the vesting of equity awards, rather than as a discretionary open-market trade. After this transaction, Corrales directly holds 31,064 shares of Vroom common stock. The shares were sold in multiple trades at prices ranging from $11.08 to $12.31 per share.
Vroom, Inc. Principal Accounting Officer Jacob Shlomo Benzaquen reported a very small open-market sale of 7 shares of common stock at a weighted average price of $12.0657 per share on March 20, 2026. The shares were sold to satisfy tax withholding obligations from vesting equity awards, and he continued to hold 10,315 shares afterward.
Vroom, Inc. chief executive officer Thomas H. Shortt reported routine share withholdings to cover taxes on vested restricted stock units. On March 11, 2026, a total of 3,740 shares of common stock were disposed of at $12.77 per share as tax-withholding transactions, not open-market sales. After these entries, Shortt directly owned 292,590 shares of Vroom common stock.
Vroom, Inc., through its wholly owned subsidiary United Auto Credit Corporation, completed an asset-backed securitization of subprime auto loans. UACC sold about $274,893,097 of retail installment contracts into a newly formed trust, which in turn issued $225,000,000 of fixed-rate asset-backed notes in five classes.
The notes bear interest ranging from 4.41% on Class A to 7.77% on Class E and are secured by the underlying receivables. The trust also issued residual certificates totaling $100,000, with an RR certificate portion expected to represent at least 5.0% of the combined fair value of the notes and certificates to satisfy risk retention rules. UACC remains servicer and earns a monthly fee equal to 3.25% per year of the receivables balance, and it has an option to purchase the trust estate once receivables fall to 10% or less of their initial balance.
Mudrick Capital and affiliates report a controlling-size stake in Vroom, Inc. common stock. The group of reporting persons, including Mudrick Capital Management, L.P., Mudrick Capital Management, LLC, various Mudrick Distressed Opportunity funds, and Jason Mudrick, together report beneficial ownership of 3,967,251 shares of Vroom common stock, representing 76.3% of the class based on 5,199,620 shares outstanding as of November 6, 2025.
The shares are held across multiple Mudrick-managed funds and related general partner entities, all reporting shared voting and dispositive power and no sole power. The amendment also notes a letter agreement under which Mudrick Capital Management, L.P. agreed to vote all Vroom shares it beneficially owns in favor of any stockholder proposal related to redemption of Vroom Automotive Preferred Units held by SPE HOLDINGS 2026-1, in line with Vroom Automotive LLC’s amended and restated limited liability company agreement.
Vroom, Inc. disclosed that its subsidiary, Vroom Automotive LLC, entered into a financing transaction by issuing preferred equity to a structured trust. On January 16, 2026, Vroom Automotive issued 15,000 Series A preferred units and 7,500 Series B preferred units to SPE Holdings 2026-1 for aggregate gross proceeds of $22,500,000.
The preferred units carry quarterly preferential distributions based on their liquidation preference and a variable rate tied to the 90‑day average Secured Overnight Financing Rate (SOFR), plus 8.25% for the Series A units and 9% for the Series B units. The Series B preferred units are convertible into common units of Vroom Automotive at the counterparty’s option, while the Series A units are not convertible.
Vroom Automotive expects to use the proceeds for the Company’s general corporate purposes, providing additional capital to support ongoing business needs under its broader strategic plan.
Vroom, Inc. entered into a Note Purchase Agreement with its Independent Executive Chair, Robert J. Mylod, Jr., to raise secured debt as part of its long-term business strategy. The company will issue Senior Secured Delayed Draw Notes due 2026 with a maximum aggregate principal commitment of $10,500,000, including an initial issuance of $5,000,000.
The Notes bear quarterly interest at a rate equal to three-month Term SOFR plus 7.50% and are secured by the company’s assets under a security agreement in favor of the investor. The Notes mature on November 25, 2026 and may be prepaid at any time without penalty or premium. Vroom plans to use the proceeds for working capital and general corporate purposes.
Vroom, Inc. (VRM) filed its Q3 2025 report showing a narrower quarterly loss alongside a post‑restructuring balance sheet. For the three months ended September 30, 2025, Vroom reported interest income of $44.8 million, realized and unrealized losses of $43.2 million, and total expenses of $24.8 million, resulting in a net loss from continuing operations of $27.1 million and a total net loss of $26.8 million (basic and diluted loss per share $5.15).
The balance sheet reflects fresh start accounting after emergence from a prepackaged Chapter 11 on January 14, 2025. As of September 30, 2025, Vroom reported cash and cash equivalents of $12.4 million, restricted cash of $55.0 million, and finance receivables at fair value of $817.7 million, with total assets of $949.2 million. Total liabilities were $822.6 million, and stockholders’ equity was $126.6 million.
UACC maintained three warehouse credit facilities with an aggregate limit of $600.0 million and $269.8 million outstanding; excess borrowing capacity was $11.8 million as of quarter‑end. The company issued 364,516 warrants at a $60.95 exercise price upon emergence; these began trading as VRMWW on July 7, 2025. Shares outstanding were 5,199,620 as of November 6, 2025.