Every 8-K that Vroom, Inc. (VRM) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, 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. (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.
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 the results of its annual stockholder meeting held on June 11, 2026. A total of 4,277,509 shares of common stock were represented, about 82.15% of shares outstanding as of the April 16, 2026 record date, indicating strong participation.
Stockholders elected seven directors for terms ending at the 2027 annual meeting. They also ratified RSM US LLP as independent registered public accounting firm for the year ending December 31, 2026 and approved, on an advisory basis, the compensation of the company’s named executive officers.
Vroom, Inc. reported amendments to two warehouse credit facilities used by its United Auto Credit Corporation subsidiaries. For Warehouse Credit Facility One, Amendment No. 28 extends the Commitment Termination Date from June 2, 2026 to July 2, 2026, with all other material terms unchanged.
For Warehouse Credit Facility Two, Amendment No. 10 is effective as of March 31, 2026 and changes several terms. It reduces the advance rate on certain receivables, lowers the Minimum Tangible Net Worth covenant, adds undrawn committed availability under the Senior Secured Delayed Draw Convertible Note due 2032 to Available Liquidity, and updates the undrawn availability under the Mudrick Capital Facility, while keeping other material terms the same.
Vroom, Inc. reported a first quarter 2026 net loss from continuing operations of $19.0 million, with net loss attributable to controlling interest and common shareholders of $19.6 million and an adjusted net loss of $18.2 million. The company highlighted stockholders’ equity of $98.4 million and tangible book value of $86.5 million as of March 31, 2026.
Total available liquidity was $56.4 million, including $14.5 million of cash, $14.9 million of warehouse facility availability and $27.0 million from a delayed draw facility. Vroom updated full‑year 2026 adjusted net loss guidance to a range of $25.0–$30.0 million and maintained indirect origination volume guidance of $475–$515 million. Trailing‑twelve‑month adjusted net loss improved by $20.6 million versus the prior year period, while results remain affected by fresh‑start accounting following emergence from a prepackaged Chapter 11 case.
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., 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.
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) furnished materials announcing its financial results for the quarter ended September 30, 2025. The company issued a press release and posted an accompanying investor presentation on its website.
The press release (Exhibit 99.1) and earnings presentation (Exhibit 99.2) are furnished under Items 2.02 and 7.01 and are not deemed filed or subject to Section 18 liability. The materials are available via Vroom’s investor relations page.
Vroom, Inc. disclosed that it has amended its loan and security agreement with Mudrick Capital Management and other lenders, increasing the Maximum Facility Amount from $25,000,000 to $35,000,000 effective as of September 30, 2025. The amendment also updates the lender commitment schedule and includes a reaffirmation by Darkwater Funding LLC of the security interests in collateral securing the borrowers’ obligations.
The company states that, as of September 30, 2025, the borrowers had not drawn against this expanded facility, and that all other key terms of the credit agreement, including collateral, covenants, maturity, and interest provisions, remain in full force and effect.
Vroom, Inc. entered into a private financing on August 29, 2025, by selling $10,000,000 aggregate principal amount of 5.000% Convertible Notes due 2030 to Annox Capital, LLC and Robert J. Mylod, Jr. The company will receive cash from this note sale to support its long-term business strategy.
Each Purchaser is buying $5,000,000 of notes, which are immediately convertible at the holder’s discretion into common stock at a conversion price of $35 per share. The notes and the underlying conversion shares were issued in a private placement relying on exemptions from registration under Section 4(a)(2) and Rule 506 of Regulation D, with the Purchasers representing that they are accredited investors and are investing with an investment intent.
Vroom, Inc. reported that its subsidiaries United Auto Credit Corporation and United Auto Financing Trust V entered into an amendment and restatement of their revolving warehouse credit agreement with Capital One and other parties. The amendment renews this warehouse credit facility and pushes the maturity date out to July 25, 2027, helping keep this source of funding in place for a longer period. While the aggregate borrowing capacity and other material terms remain the same, the facility now has a lower advance rate and higher tangible net worth and minimum liquidity requirements, which tighten the conditions Vroom must meet to borrow. The amendment also sets a funding termination date of August 28, 2026, after which no new borrowings can be made, and outstanding amounts could become due earlier if certain events of default or termination events occur.