NASDAQ$VRM
Vroom Inc · Q1 2026 earnings
Q1 2026 earnings · · Investor relations
Briefing
Vroom Inc reported a net loss attributable to common shareholders of $19.6 million for Q1 2026 after emerging from bankruptcy.
Vroom Inc, now focused on its UACC automotive finance and CarStory businesses following the wind-down of ecommerce operations and emergence from Chapter 11, generated interest income of $42.5 million and noninterest income of $7.2 million. The company recorded a net loss from continuing operations of $19.0 million and ended the quarter with $14.5 million in cash and cash equivalents and total assets of $937.8 million.
- Interest income reached $42.5 million while net interest income after losses totaled $5.7 million amid elevated credit losses.
- Net loss attributable to controlling interest and common shareholders was $19.6 million, or $3.77 per basic share.
- Cash and cash equivalents stood at $14.5 million with restricted cash of $59.2 million supporting UACC's warehouse facilities.
- Total assets were $937.8 million, including $804.6 million in finance receivables at fair value.
Headline financials
Revenue & EPS history
Vroom · Revenue · Quarterly
$37.6M
Revenue by segment
Vroom · $181M total across 2 segments · Q3 2023
- Ecommerce$150M-33.5%82.9%
- Wholesale$30.9M-35.1%17.1%
Forward guidance
The company continues to execute its Long-Term Strategic Plan focused on improving profitability at UACC through enhanced underwriting models, dealer network optimization, and operational efficiencies while managing liquidity through warehouse facilities and securitizations.
Tailwinds
- Launch of automated underwriting decision engine and custom credit-scoring model expected to improve loss forecasting.
- Modernized Fast Lane dealer portal launched to increase application volume and dealer engagement.
- Digital servicing tools and mobile app driving higher digital adoption and lower servicing costs.
Headwinds
- Ongoing credit losses and macroeconomic pressures including interest rates and vehicle depreciation continue to impact results.
- Warehouse Credit Facilities require renewal in 2026 with potential changes to advance rates.
- History of losses and need to achieve profitability at UACC remain key challenges.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 3 quarterly earnings reports · overlaid with Q1 2026
-10.0%
Avg return
Earnings day
-5.7%
Avg return
5 days after
+7.1%
Avg return
30 days after
22%
5 / 23 earnings
Positive
+32.0%
Q4 2023
Best reaction
-47.6%
Q4 2021
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -5.5% | -10.2% | — | |
| Q3 2025 | +2.5% | -13.7% | +2.5% | |
| Q2 2025 | -5.0% | -3.9% | -1.7% | |
| Q1 2025 | -3.1% | -8.6% | -5.2% | |
| Q4 2024 | +0.5% | +8.3% | +32.6% | |
| Q3 2024 | -18.3% | — | — | |
| Q2 2024 | -26.1% | — | — | |
| Q1 2024 | -3.3% | — | — | |
| Q4 2023 | +32.0% | — | — | |
| Q3 2023 | -23.8% | — | — | |
| Q2 2023 | -30.8% | — | — | |
| Q1 2023 | -2.0% | — | — | |
| Q4 2022 | -1.0% | — | — | |
| Q3 2022 | +11.3% | — | — | |
| Q2 2022 | -31.5% | — | — | |
| Q1 2022 | -8.1% | — | — | |
| Q4 2021 | -47.6% | — | — | |
| Q3 2021 | +7.8% | — | — | |
| Q2 2021 | -21.1% | — | — | |
| Q1 2021 | -2.1% | — | — | |
| Q4 2020 | -34.0% | — | — | |
| Q3 2020 | -7.3% | — | — | |
| Q2 2020 | -13.0% | — | — | |
| Q1 2020 | — | — | — | |
| Q4 2019 | — | — | — | |
| Q3 2019 | — | — | — | |
| Q2 2019 | — | — | — | |
| Q1 2019 | — | — | — |
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