Here are the 10-K annual reports from Vroom, Inc. (VRM) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow VRM and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full VRM filings page.
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.