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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.
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. chief legal officer and corporate secretary Anna-Lisa Christina Corrales reported a small sale of 18 shares of common stock on March 20, 2026 at a weighted average price of $12.0657 per share. According to the disclosure, these shares were sold solely to satisfy tax withholding obligations related to the vesting of equity awards, rather than as a discretionary open-market trade. After this transaction, Corrales directly holds 31,064 shares of Vroom common stock. The shares were sold in multiple trades at prices ranging from $11.08 to $12.31 per share.
Vroom, Inc. Principal Accounting Officer Jacob Shlomo Benzaquen reported a very small open-market sale of 7 shares of common stock at a weighted average price of $12.0657 per share on March 20, 2026. The shares were sold to satisfy tax withholding obligations from vesting equity awards, and he continued to hold 10,315 shares afterward.
Vroom, Inc. chief executive officer Thomas H. Shortt reported routine share withholdings to cover taxes on vested restricted stock units. On March 11, 2026, a total of 3,740 shares of common stock were disposed of at $12.77 per share as tax-withholding transactions, not open-market sales. After these entries, Shortt directly owned 292,590 shares of Vroom common stock.
Mudrick Capital and affiliates report a controlling-size stake in Vroom, Inc. common stock. The group of reporting persons, including Mudrick Capital Management, L.P., Mudrick Capital Management, LLC, various Mudrick Distressed Opportunity funds, and Jason Mudrick, together report beneficial ownership of 3,967,251 shares of Vroom common stock, representing 76.3% of the class based on 5,199,620 shares outstanding as of November 6, 2025.
The shares are held across multiple Mudrick-managed funds and related general partner entities, all reporting shared voting and dispositive power and no sole power. The amendment also notes a letter agreement under which Mudrick Capital Management, L.P. agreed to vote all Vroom shares it beneficially owns in favor of any stockholder proposal related to redemption of Vroom Automotive Preferred Units held by SPE HOLDINGS 2026-1, in line with Vroom Automotive LLC’s amended and restated limited liability company agreement.
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.
Insider sale to cover tax withholding: Vroom, Inc. reporting person Jacob S. Benzaquen, Principal Accounting Officer, disposed of 10,322 shares of Common Stock on 09/15/2025 to satisfy tax withholding obligations arising from vesting equity awards. The filing shows a weighted average sale price of $26.0677, with transaction prices ranging from $26.0466 to $26.1719. The disposal is reported as a direct sale and was signed by an attorney-in-fact on 09/17/2025. No derivative transactions or other purchases are reported in this Form 4.