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Vroom

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uuid0002cft

Namestring
Vroom
Legal namestring
Vroom, Inc.
Websiteurl
vroom.com
Company typeenum
Public
Founded yearint
2013
Descriptiontext

Vroom, Inc. is a U.S.-based automotive finance and data analytics company headquartered in Houston, Texas. Founded in 2013 as an online used-vehicle marketplace, the company underwent a fundamental business model transformation following its January 2024 wind-down of e-commerce vehicle sales, emergence from Chapter 11 bankruptcy in January 2025, and Nasdaq delisting in May 2026. The company now operates through two wholly-owned subsidiaries: United Auto Credit Corporation (UACC), acquired in 2021 for $300 million, which provides captive non-prime auto lending services to borrowers who may not qualify for traditional prime financing; and CarStory, an AI-powered vehicle discovery and data analytics platform serving automotive dealers with vehicle valuation tools, inspection technology, and inventory access across over 4 million vehicle listings.

The underlying technology centers on CarStory's AI-powered valuation engine that analyzes structured vehicle data including VIN, vehicle history, and condition information to generate pricing estimates for dealers. CarStory integrates with dealer inventory management workflows and pulls vehicle content from third parties including DataOne Software and Carfax. UACC provides captive lending infrastructure supporting non-prime borrowers through dealership partnerships. The platform stack is supported by integrations with Plaid (financial data aggregation), Google Analytics, and major identity providers (Google, Facebook, Amazon) for authentication.

Vroom generates revenue through subscription and recurring fees from CarStory dealer subscriptions and advertising placements across its 4M+ vehicle listings, interest income and fees from UACC's non-prime auto loan portfolio, and exploration of data and IP monetization opportunities from accumulated e-commerce-era analytics capabilities. The go-to-market motion is B2B dealer-facing (CarStory) and dealer-channel consumer lending (UACC), both U.S.-domestic. The company remains unprofitable, reporting a $49M adjusted net loss in 2025 (a 57% improvement YoY) and a $19.6M Q1 2026 net loss, with $56.4M liquidity as of March 31, 2026 and $98.4M stockholders' equity.

Short descriptiontext

Vroom, Inc. is a U.S.-based automotive finance and data analytics company operating through United Auto Credit Corporation (UACC), which provides non-prime auto lending, and CarStory, an AI-powered vehicle discovery and valuation platform serving dealers across 4M+ vehicle listings.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
501–1,000
akta.pro rankint
HeadquartersHouston, United States
HQ citystring
Houston
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
used vehicle ecommerce, auto finance lending, non-prime auto loans, dealer analytics platform, vehicle valuation tools
Industry1 code
1Recurring Payments & Variable Recurring Payments (VRP) Enablement
CodeFSAGACAJPrimaryYes
NAICS code1 code
  • Computer Terminal and Other Computer Peripheral Equipment Manufacturing334118
SIC code1 code
  • Retail-Computer & Computer Software Stores5734
Product category
Auto Finance and Dealer Analytics
Social media profiles2 records
GTM motion2 records

Each record includes

Type, Description, Source

Revenue model3 records
1Auto Finance (UACC)
TypeSubscription Recurring
Description

Non-prime auto lending services through United Auto Credit Corporation, providing financing solutions to borrowers who may not qualify for traditional prime lending. Vroom acquired UACC for $300 million in 2021 to establish captive financing capabilities and improve unit economics.

ad-hoc-news.de
2CarStory Platform Services
TypeSubscription Recurring
Description

Dealer-facing platform offering AI-powered vehicle valuation, inspection tools, and marketplace services. Revenue derived from dealer subscriptions and advertising placements on the platform spanning over 4 million vehicle listings.

swottemplate.com
3Data and IP Monetization
TypeData Monetisation
Description

Exploration of monetization opportunities for intellectual property accumulated during e-commerce operations, including vehicle data and analytics capabilities.

swottemplate.com
Marketing channels2 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Personnel, Technology or R&D, Marketing or Sales, Operations
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Brand1 of 2 records shown
1CarStory
Description

Automotive data and analytics platform featuring over 4 million new and used car listings from dealers

vroom.com
+1 more record
Core offering1 text field

Vroom is an auto finance and automotive data analytics company operating through two wholly owned subsidiaries: United Auto Credit Corporation (UACC), which provides captive non-prime auto lending, and CarStory, an AI-powered dealer platform offering vehicle valuation, inspection, and inventory tools across more than 4 million new and used vehicle listings. The company wound down its direct consumer used-vehicle e-commerce sales in January 2024 and now operates as a capital-light finance and analytics business.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 3 values shown
  • 57% reduction in adjusted net loss year-over-year in 2025
+2 more records
Product overview1 text field

Vroom, Inc. has transitioned from an online used-car e-commerce marketplace to an auto finance and data analytics company following the January 2024 wind-down of its vehicle sales operations. The company's current portfolio centers on two core products: United Auto Credit Corporation (UACC), which provides captive auto financing services including non-prime lending, and CarStory, a vehicle discovery platform enabling users to shop over 4 million vehicles. Vroom emerged from Chapter 11 bankruptcy in January 2025 and is leveraging its technology and data analytics capabilities to monetize intellectual property in the finance and analytics space.

Product and service3 records
1United Auto Credit Corporation (UACC) Auto Lending
CategoryAuto Finance
2CarStory Dealer Platform
CategoryDealer Analytics Software
3Vroom Dealer Portal
CategoryDealer Technology Platform
Scale indicator10 records

Each record includes

Type, Value, Description, Source

Partnership1 partner
1Federal Trade Commission (FTC)
Strategic tierMinorTypeOthersAnnounced on2021-01-01
Description

The FTC took regulatory action against Vroom for deceiving customers and failing to deliver on time with required disclosures. Vroom agreed to a settlement requiring a $1 million refund fund and measures to prevent further misleading practices.

Recent move8 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Market position
Competitive moat4 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers2 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment2 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

Integration12 records

Each record includes

Title, Type, Description, Source

AI capability3 records

Each record includes

Type, Description, Source

AI maturity
App detail

Has app

Feature2 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles12 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries2 records

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

Compliance6 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds13 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors15 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Vroom

Auto Finance and Dealer Analyticsvroom.com

Vroom, Inc. is a U.S.-based automotive finance and data analytics company operating through United Auto Credit Corporation (UACC), which provides non-prime auto lending, and CarStory, an AI-powered vehicle discovery and valuation platform serving dealers across 4M+ vehicle listings.

What Vroom does

Vroom, Inc. is a U.S.-based automotive finance and data analytics company headquartered in Houston, Texas. Founded in 2013 as an online used-vehicle marketplace, the company underwent a fundamental business model transformation following its January 2024 wind-down of e-commerce vehicle sales, emergence from Chapter 11 bankruptcy in January 2025, and Nasdaq delisting in May 2026. The company now operates through two wholly-owned subsidiaries: United Auto Credit Corporation (UACC), acquired in 2021 for $300 million, which provides captive non-prime auto lending services to borrowers who may not qualify for traditional prime financing; and CarStory, an AI-powered vehicle discovery and data analytics platform serving automotive dealers with vehicle valuation tools, inspection technology, and inventory access across over 4 million vehicle listings.

The underlying technology centers on CarStory's AI-powered valuation engine that analyzes structured vehicle data including VIN, vehicle history, and condition information to generate pricing estimates for dealers. CarStory integrates with dealer inventory management workflows and pulls vehicle content from third parties including DataOne Software and Carfax. UACC provides captive lending infrastructure supporting non-prime borrowers through dealership partnerships. The platform stack is supported by integrations with Plaid (financial data aggregation), Google Analytics, and major identity providers (Google, Facebook, Amazon) for authentication.

Vroom generates revenue through subscription and recurring fees from CarStory dealer subscriptions and advertising placements across its 4M+ vehicle listings, interest income and fees from UACC's non-prime auto loan portfolio, and exploration of data and IP monetization opportunities from accumulated e-commerce-era analytics capabilities. The go-to-market motion is B2B dealer-facing (CarStory) and dealer-channel consumer lending (UACC), both U.S.-domestic. The company remains unprofitable, reporting a $49M adjusted net loss in 2025 (a 57% improvement YoY) and a $19.6M Q1 2026 net loss, with $56.4M liquidity as of March 31, 2026 and $98.4M stockholders' equity.

Vroom firmographics

Firmographics
Name
Vroom
Legal name
Vroom, Inc.
Website
https://vroom.com
Company type
Public
Founded year
2013
Operating status
Operating
Headcount range
501–1,000 employees
Short description
Vroom, Inc. is a U.S.-based automotive finance and data analytics company operating through United Auto Credit Corporation (UACC), which provides non-prime auto lending, and CarStory, an AI-powered vehicle discovery and valuation platform serving dealers across 4M+ vehicle listings.
Ownership category
akta.pro rank

Vroom industry classification

Industry
Product category
Auto Finance and Dealer Analytics
NAICS
Computer Terminal and Other Computer Peripheral Equipment Manufacturing (334118)
SIC
Retail-Computer & Computer Software Stores (5734)
akta.pro primary industry
Recurring Payments & Variable Recurring Payments (VRP) Enablement (FSAGACAJ)

Keywords

  • Used vehicle ecommerce
  • Auto finance lending
  • Non-prime auto loans
  • Dealer analytics platform
  • Vehicle valuation tools

Where Vroom is headquartered

Location

Headquarters

HQ city
Houston
HQ country
United States
HQ region
North America

Offices1 record

Markets served

Vroom business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

  1. Auto Finance (UACC): Non-prime auto lending services through United Auto Credit Corporation, providing financing solutions to borrowers who may not qualify for traditional prime lending. Vroom acquired UACC for $300 million in 2021 to establish captive financing capabilities and improve unit economics.
  2. CarStory Platform Services: Dealer-facing platform offering AI-powered vehicle valuation, inspection tools, and marketplace services. Revenue derived from dealer subscriptions and advertising placements on the platform spanning over 4 million vehicle listings.
  3. Data and IP Monetization: Exploration of monetization opportunities for intellectual property accumulated during e-commerce operations, including vehicle data and analytics capabilities.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Vroom product offering

Product offering

Core offering

Vroom is an auto finance and automotive data analytics company operating through two wholly owned subsidiaries: United Auto Credit Corporation (UACC), which provides captive non-prime auto lending, and CarStory, an AI-powered dealer platform offering vehicle valuation, inspection, and inventory tools across more than 4 million new and used vehicle listings. The company wound down its direct consumer used-vehicle e-commerce sales in January 2024 and now operates as a capital-light finance and analytics business.

Product overview

Vroom, Inc. has transitioned from an online used-car e-commerce marketplace to an auto finance and data analytics company following the January 2024 wind-down of its vehicle sales operations. The company's current portfolio centers on two core products: United Auto Credit Corporation (UACC), which provides captive auto financing services including non-prime lending, and CarStory, a vehicle discovery platform enabling users to shop over 4 million vehicles. Vroom emerged from Chapter 11 bankruptcy in January 2025 and is leveraging its technology and data analytics capabilities to monetize intellectual property in the finance and analytics space.

Differentiator

Problem solved

Functional benefit

Brands

  • CarStory: Automotive data and analytics platform featuring over 4 million new and used car listings from dealers
  • UACC

Products and services

  • United Auto Credit Corporation (UACC) Auto Lending
  • CarStory Dealer Platform
  • Vroom Dealer Portal

Quantifiable outcome

  • 57% reduction in adjusted net loss year-over-year in 2025
  • +2 more outcomes

Companies that use Vroom

Customer profile

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Vroom technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability3 records

Feature2 records

Vroom partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

  • Federal Trade Commission (FTC)minorOthers · 1 January 2021The FTC took regulatory action against Vroom for deceiving customers and failing to deliver on time with required disclosures. Vroom agreed to a settlement requiring a $1 million refund fund and measures to prevent further misleading practices.

Scale indicators10 records

Recent moves8 records

Expansion highlights4 records

Vroom competitors and assessment

Company assessment

Market position

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Vroom social profiles

Digital presence

Vroom compliance and trust

Trust signal

Compliance6 records

Vroom financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Vroom leadership team

Management profile

Number of profiles

Profiles12 records

Vroom subsidiaries and ownership

Company hierarchy

Subsidiaries2 records

Vroom funding detail

Funding detail

Funding overview

Funding rounds13 records

Investors15 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Vroom M&A and investment

M&A and investment

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vroom

What does Vroom do?

Vroom is an auto finance and automotive data analytics company operating through two wholly owned subsidiaries: United Auto Credit Corporation (UACC), which provides captive non-prime auto lending, and CarStory, an AI-powered dealer platform offering vehicle valuation, inspection, and inventory tools across more than 4 million new and used vehicle listings. The company wound down its direct consumer used-vehicle e-commerce sales in January 2024 and now operates as a capital-light finance and analytics business.

Is Vroom a public or private company?

Vroom is a public company. It is classified as public and is currently operating.

When was Vroom founded?

Vroom was founded in 2013. It employs 501 to 1,000 people.

Where is Vroom based?

Vroom is headquartered in Houston, United States, in the North America region.

How does Vroom make money?

Three revenue lines are on record. Auto Finance (UACC) is the primary driver. The others are carStory Platform Services and data and IP Monetization.

Does Vroom have an API?

No public API is recorded for Vroom.

What industry is Vroom in?

Vroom's product category is Auto Finance and Dealer Analytics. Its primary akta.pro industry code is FSAGACAJ, Recurring Payments & Variable Recurring Payments (VRP) Enablement. Its NAICS code is 334118 and its SIC code is 5734.

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Live signals
American Banking and Market NewsContrasting Vroom (NASDAQ:VRM) and X Financial (NYSE:XYF)X Financial and Vroom are compared across analyst ratings, risk, institutional ownership, profitability, earnings, and valuation. X Financial beats Vroom on 9 of 12 factors, with higher revenue and earnings but lower institutional ownership. Vroom trades at a lower price-to-earnings ratio, making it the more affordable stock.American Banking and Market NewsSynchrony Financial (NYSE:SYF) & Vroom (NASDAQ:VRM) Head-To-Head ComparisonSynchrony Financial outperforms Vroom across most financial metrics, including revenue, earnings, profitability, and analyst ratings. Synchrony has a consensus price target of $88.57, implying a 23.13% upside, while Vroom trades at a lower P/E but carries higher volatility and losses.Markets DailyReviewing Synchrony Financial (NYSE:SYF) and Vroom (NASDAQ:VRM)Synchrony Financial and Vroom are compared on analyst ratings, profitability, and valuation. Synchrony beats Vroom on 13 of 14 factors, with a consensus target price of $89.00 implying 24.44% upside. Vroom trades at a lower P/E ratio, but Synchrony has higher revenue and earnings.Ticker ReportCritical Survey: Vroom (NASDAQ:VRM) versus Lendingclub (NASDAQ:HAPN)Lendingclub beats Vroom on all 14 factors compared, including revenue, earnings, and institutional ownership. Lendingclub has $998.85 million revenue versus Vroom's $178.83 million, and a consensus target price of $25.00 implies 54.73% upside. Analysts favor Lendingclub over Vroom.American Banking and Market NewsReviewing Lendingclub (NASDAQ:HAPN) & Vroom (NASDAQ:VRM)Lendingclub outperforms Vroom across all 14 comparison factors, including profitability, institutional ownership, and analyst ratings. Lendingclub has higher revenue and earnings, while Vroom trades at a lower price-to-earnings ratio. Analysts favor Lendingclub with a consensus target price of $25.00, implying 53.75% upside.PrtimesUnited States Used Car Market Forecast 2025-2035 – PR TimesA Market Research Future report projects substantial growth in the United States used car market, driven by rising new car prices, affordability needs and expanding acceptance of certified pre-owned vehicles. The report identifies SUVs and trucks as the largest vehicle segments, online platforms, dealerships and private sales as channels, with CarMax, Carvana and Vroom named as key players.Markets DailyRegional Management (NYSE:RM) vs. Vroom (NASDAQ:VRM) Financial AnalysisMarketBeat conducted a financial comparison between Vroom and Regional Management, concluding that Regional Management is the superior investment based on stronger fundamentals across 13 of 14 metrics. The analysis highlighted Regional Management's positive earnings and profitability versus Vroom's significant net losses and negative margins.AInvestWhy Is VRM Stock Moving Today? Vroom Rises After First-Ever Quarterly ProfitVroom (VRM) shares surged 13.35% in pre-market trading on Monday after the company reported its first-ever quarterly profit in Q2 2026, marking a milestone for a business that burned through capital for years as an online used car retailer. The profit comes roughly two years after Vroom shut down its e-commerce sales platform in 2024 and restructured around two remaining businesses: United Auto Credit Corporation (UACC), an auto finance subsidiary, and CarStory, an AI-powered vehicle data and analytics platform. Investors are now watching to see whether the profit reflects sustainable economics from this new business mix or one-time factors, with broader institutional participation during regular trading sessions set to test whether the gains hold.BenzingaVroom Stock Rallies as Q2 Earnings Mark Profitability Milestone - Vroom (NASDAQ:VRM)Vroom Inc. (NASDAQ:VRM) reported Q2 2026 results on Wednesday, achieving its first-ever quarterly profit with $0.6 million in net income and $1.5 million in adjusted net income, alongside sales of $40.29 million. The company also strengthened its balance sheet by exchanging $28.5 million of existing notes for $50.0 million in new Senior Secured Delayed Draw Convertible Notes due 2032, ending the quarter with $63.9 million in total liquidity and $99.8 million in stockholders' equity. Management raised full-year 2026 guidance for indirect origination volume between $475 million and $515 million, and VRM shares surged 29.97% to $9.15 following the report.GlobeNewswireVroom Announces Second Quarter 2026 ResultsVroom reported a net loss of $63,000 for Q2 2026, with adjusted net income of $1.5 million. The company exchanged $28.5 million in existing notes for $50 million in new Senior Secured Delayed Draw Convertible Notes due 2032, extending its liquidity runway. It also noted a $20.6 million decrease in adjusted net loss year-over-year.