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. 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.
Vroom, Inc. reported that its CFO, Jonathan Sandison, acquired 13,271 shares of common stock in the form of a restricted stock unit (RSU) award at no purchase price. Following this grant, he directly holds 54,506 shares.
The 13,271 RSUs will vest in six installments during early 2028: five tranches of 2,330 shares and a final tranche of 1,621 shares, each vesting date requiring his continued service. Each RSU represents the right to receive one share of Vroom common stock when it vests.
Benzaquen Jacob Shlomo reported acquisition or exercise transactions in this Form 4 filing.
Vroom, Inc. reported an equity compensation grant to its Principal Accounting Officer, Jacob Shlomo Benzaquen. He received 6,422 shares of common stock on a cost-free basis as a restricted stock unit (RSU) award. Following this grant, his direct holdings increased to 16,737 shares.
The award consists of RSUs that will vest in three installments in 2028: 2,330 shares on January 13, 2028, 2,330 shares on January 27, 2028, and 1,762 shares on March 28, 2028, each subject to his continued service on those dates. Each RSU represents a contingent right to receive one share of Vroom common stock.
Shortt Thomas H reported acquisition or exercise transactions in this Form 4 filing.
Vroom, Inc. reported that Chief Executive Officer Thomas H. Shortt received a grant of 65,382 restricted stock units (RSUs) of common stock. The award was made at no cash purchase price as part of his equity compensation.
The RSUs will vest in a series of installments on various dates between January 3, 2028 and March 28, 2028, subject to his continued service. Each RSU represents a contingent right to receive one share of Vroom common stock. Following this grant, Shortt holds 357,972 shares of common stock directly.
Corrales Anna-Lisa Christina reported acquisition or exercise transactions in this Form 4 filing.
Vroom, Inc. reported that its CLO, CCO and Secretary Anna-Lisa Christina Corrales received an equity grant in the form of 10,431 shares of common stock on June 30, 2026 at a price of $0.00 per share. This award is structured as restricted stock units that vest in five installments during 2028, each unit representing a contingent right to receive one share of Vroom common stock. Following this grant, Corrales directly owns 41,460 shares of the company’s common stock.
Vroom, Inc. informs stockholders that its Board and holders of a majority of voting stock approved an amendment to the 2020 Incentive Award Plan to increase the share reserve by 464,000 shares, effective on or about July 13, 2026 after this Information Statement is mailed.
The amendment raises the aggregate maximum available under the 2020 Plan and increases the ISO limit by 464,000 shares. The written consents were delivered June 17, 2026 by holders representing approximately 76.1% of outstanding voting stock; the Record Date share count was 5,233,912.
Vroom, Inc. director Robert J. Mylod Jr. reported selling common stock and warrants tied to Vroom shares in privately negotiated transactions. An entity he manages, Annox Capital, LLC, sold 13,171 shares of common stock at $7.22 per share and 13,171 related warrants at $0.01 per warrant, eliminating its reported holdings in those securities.
Mylod personally sold 2,424 shares of common stock at $7.22 per share and 2,424 warrants at $0.01 per warrant. After these transactions, he directly holds 17,693 shares of Vroom common stock and no warrants, according to the filing and its corrective footnote.
Mudrick-affiliated investment funds increased their stake in Vroom, Inc. by purchasing additional common stock and matching warrants. On June 15, 2026, entities managed by Mudrick Capital Management bought 15,595 shares of Common Stock in a privately negotiated stock purchase and the same number of immediately exercisable warrants linked to Common Stock.
Following this transaction, the reporting Mudrick funds and accounts collectively directly hold 3,982,846 shares of Common Stock across multiple vehicles such as Mudrick Distressed Opportunity Fund Global, Drawdown II and III funds, DISL, SIF, and certain managed accounts. The newly acquired warrants carry an exercise price of $60.95 per share and are scheduled to expire on January 14, 2030.
The filing is made jointly by several Mudrick entities, which may be deemed to beneficially own these securities through general partner and investment manager relationships. However, the reporting persons expressly disclaim beneficial ownership beyond their respective pecuniary interests in these positions.