Every 8-K that VROOM INC WTS (VRMWW) 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 VRMWW 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 VRMWW filings page.
Vroom, Inc. (VRM), through wholly owned subsidiary United Auto Credit Corporation (UACC), closed an asset-backed securitization on October 15, 2026. UACC sold approximately $292,059,710 of subprime motor vehicle retail installment sales contracts to United Auto Credit Financing LLC, which then sold them to United Auto Credit Securitization Trust 2026-2. The trust issued $234,232,000 in notes across five fixed-rate classes and pledged the contracts as security. The notes are obligations solely of the trust, not UACC or the depositor.
A separate amendment raised aggregate commitments for Vroom’s Senior Secured Delayed Draw Convertible Notes due 2032 from $50.0 million to $60.0 million. Mudrick Capital Management, L.P., Vroom’s controlling stockholder, and Annox Capital, LLC, controlled by Independent Executive Chair Robert J. Mylod, Jr., provided the increased commitments. Mudrick Managing Director Matthew J. Pietroforte serves on Vroom’s board.
Vroom, Inc.’s subsidiary Vroom Automotive, LLC issued 16,000 newly issued Series A1 preferred units and 4,000 newly issued Series B1 preferred units to SPE Holdings 2026-1 for $20,000,000 in aggregate gross proceeds on September 30, 2026. A purchase agreement and an amended LLC agreement set the units’ terms.
Both series are entitled to quarterly preferential distributions calculated using each series’ liquidation preference and a variable rate that resets on each quarterly distribution date. The rate is the 90-day average SOFR plus 8.50% for Series A1 and 9.25% for Series B1. Series B1 is convertible into Vroom Automotive common units at SPE Holdings’ option at any time; Series A1 is not convertible. Vroom Automotive expects to use the proceeds to repay certain obligations and purchase residual interests in certain asset-backed securitization trusts.
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. 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 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.