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. filings document the company’s automotive finance operations, capital structure, governance, and material financing transactions after its recapitalization. Form 8-K reports cover financial results, Regulation FD presentations, UACC asset-backed securitizations of motor vehicle retail installment contracts, warehouse and secured credit arrangements, convertible notes, preferred units issued by Vroom Automotive, and related unregistered securities disclosures.
Proxy materials describe board matters, executive compensation, equity awards, and shareholder voting procedures. The filings also identify Vroom’s common stock listing on the Nasdaq Global Market and provide formal disclosure around UACC, CarStory, discontinued ecommerce operations, liquidity, debt obligations, collateral arrangements, and fresh-start accounting.
Vroom, Inc. (VRM) reports that its wholly owned subsidiaries United Auto Credit Corporation (UACC) and UACC Auto Financing Trust V entered into Amendment No. 11 to the Amended and Restated Warehouse Agreement that governs its Warehouse Credit Facility. The amendment extends the Commitment Termination Date from August 28, 2026 to September 30, 2026. All other material terms of the Warehouse Credit Facility remain unchanged, and Capital One, N.A. continues to act as administrative agent.
Mudrick Capital Management, L.P. reported reported purchase transactions in this Form 4 filing.
Mudrick Capital–affiliated reporting persons disclosed acquiring Senior Secured Delayed Draw Convertible Notes due 2032 of Vroom, Inc. under an Exchange and Subscription Agreement dated May 14, 2026. These Notes are convertible into 570,199 shares of common stock at a conversion price of $11.42 per share, with an earliest exercise date of April 1, 2032 and expiration on June 30, 2032. The underlying shares are held across several Mudrick funds and managed accounts, and the filers disclaim beneficial ownership beyond their pecuniary interests.
Mudrick Capital Management, L.P. reported reported purchase transactions in this Form 4 filing.
Mudrick Capital–affiliated funds and accounts reported acquiring Senior Secured Delayed Draw Convertible Notes due 2032 from Vroom, Inc. under a May 14, 2026 Exchange and Subscription Agreement. These notes, acquired on August 13, 2026, are convertible into up to 570,199 shares of common stock at a conversion price of $11.42 per share, subject to adjustment. The positions are reported as indirect holdings across multiple Mudrick funds and managed accounts, and the reporting persons disclaim beneficial ownership beyond their pecuniary interests.
Vroom, Inc. reported that Chief Executive Officer Thomas H. Shortt received a grant of 205,000 stock options on August 6, 2026. The options have an exercise price of $13.68 per share and expire on August 6, 2036, covering 205,000 shares of common stock. According to the vesting terms, the award will vest in 22 equal installments of 9,221 options from January 16, 2029 through March 28, 2029, plus one installment of 2,138 options on February 26, 2029, subject to the CEO’s continued service. Following this award, Shortt holds 205,000 derivative securities directly.
Vroom, Inc. reported that CFO Jonathan Sandison received a grant of 30,000 stock options to purchase common stock. The options carry an exercise price of $13.68 per share and expire on August 6, 2036. Following this award, Sandison holds 30,000 options directly. The award vests in four tranches during 2029, each contingent on his continued service with Vroom and UACC.
Vroom, Inc. reported that officer Anna-Lisa Christina Corrales (CLO, CCO, Secretary) received a grant of 22,000 stock options on August 6, 2026. The options have an exercise price of $13.68 per share and expire on August 6, 2036. According to the award terms, the options will vest in three tranches in 2029, contingent on her continued service.
Vroom, Inc. reported that Principal Accounting Officer Jacob Shlomo Benzaquen received a grant of 7,500 stock options on August 6, 2026. The options have an exercise price of $13.68 per share and an expiration date of August 6, 2036. According to the award terms, these options will vest on January 22, 2029, subject to his continued service with the company. Following this grant, he holds 7,500 options directly.
Vroom, Inc. now operates through two segments, auto lender UACC and analytics platform CarStory, after winding down its ecommerce vehicle business in 2024 and emerging from a Prepackaged Chapter 11 Case with fresh start accounting on January 14, 2025.
For the quarter ended June 30, 2026, continuing operations generated $555 thousand of net income versus a prior-year loss, but preferred dividends to a subsidiary’s noncontrolling interests produced a $63 thousand net loss attributable to common shareholders. Total assets were $941.3 million, including $807.7 million of finance receivables at fair value and $16.4 million of cash. UACC had three warehouse credit facilities with a $600.0 million aggregate limit and $240.8 million outstanding, plus on-balance-sheet securitization debt of $465.2 million. Management cites existing cash, warehouse capacity, a Delayed Draw Facility and new 2032 convertible notes as sufficient to support operations for at least 12 months.
Vroom, Inc. reported its first-ever period of positive net income and adjusted net income for the quarter ended June 30, 2026. Net income was $628 thousand, including $555 thousand from continuing operations, and adjusted net income was $1,494 thousand. After preferred dividends to noncontrolling interests, common shareholders had a small net loss of $63 thousand.
Management links the turnaround primarily to lower realized and unrealized credit losses at UACC, supported by a refreshed internal customer scoring model implemented in 2025. As of June 30, 2026, stockholders’ equity was $99.8 million and tangible book value $88.4 million. Total available liquidity was $63.9 million, including $16.4 million of cash and $27.0 million of delayed-draw capacity. Vroom also exchanged $28.5 million of existing notes for $50.0 million of new Senior Secured Delayed Draw Convertible Notes due 2032. Despite the profitable quarter, the six months ended June 30, 2026 showed a net loss from continuing operations of $18.5 million and adjusted net loss of $16.7 million, and guidance for 2026 calls for adjusted net loss of ($25)–($30) million alongside indirect origination volume of $475–$515 million.
Vroom, Inc. amended its existing Warehouse Credit Facility through Amendment No. 29, executed by subsidiaries United Auto Credit Corporation and UACC Auto Financing Trust IV. The change extends the facility’s Commitment Termination Date from July 2, 2026 to June 2, 2027, giving the company more time to use this structured financing line.
The amendment also adjusts financial covenants by increasing the maximum permitted leverage ratio, simplifying and reducing the minimum tangible net worth requirement, updating the performance trigger framework, and revising the dynamic advance rate mechanism to allow a higher maximum advance rate. In connection with the amendment, Vroom Finance Holdings LLC entered into a Performance Guaranty in favor of the administrative agent, guaranteeing certain obligations under the Warehouse Credit Facility, while all other material terms remain unchanged.