Vroom, Inc. (VRM) Form 8-K — Aug 4, 2026

$VRMForm 8-KItems 2.02, 7.01, 9.01Filed Aug 4, 2026, 4:10 PM ET0001193125-26-332803Original filing

Vroom (Nasdaq: VRM) reported second quarter 2026 results on August 4, 2026, achieving positive net income of $0.6 million and adjusted net income of $1.5 million for the first time in the company's history, a swing from a $(8.5) million net loss in the year-ago quarter. The profit was driven by credit improvement at UACC, its indirect auto lending subsidiary, where realized and unrealized losses fell 45.3% year over year to $10.7 million and net interest income after losses rose 59.9% to $21.0 million. Management credited a refreshed machine learning customer scoring model implemented in 2025 that is now scoring 100% of originations.

Key figures

Guidance: Full year 2026: indirect origination volume of $475-$515 million; adjusted net income (loss) of $(25)-$(30) million
Net Income: 628000
Total Debt: 489370000
Total Assets: 941345000
Cash Position: 16359000
Shares Outstanding: 5234353
Debt exchange: $28.5 million of existing notes exchanged for $50.0 million new Senior Secured Delayed Draw Convertible Note due 2032, with $11.5M subsequent draw-down
Stockholders equity: $99.8 million as of June 30, 2026
Tangible book value: $88.4 million as of June 30, 2026
Ttm adjusted net loss: $(53) million, improved from $(73) million TTM Q2 2025
Total expenses q2 2026: $29.1 million (down 5.5% YoY)
Interest income q2 2026: $43.6 million (down 4.7% YoY)
First half 2026 net loss: $(18.4) million
Gross serviced portfolio: $923 million
Total available liquidity: $63.9 million ($16.4M cash, $10.5M warehouse availability, $27.0M delayed draw facility, $10.0M 2032 Notes)
Noninterest income q2 2026: $8.7 million (down 1.7% YoY)
Adjusted net income q2 2026: $1.5 million (vs $(6.7) million adjusted net loss in Q2 2025)
Q2 indirect origination volume: $120 million
Net income continuing ops q2 2026: $0.6 million vs $(8.9) million in Q2 2025
Realized unrealized losses q2 2026: $10.7 million (down 45.3% YoY)
Wa fico 2026 1 securitization pool: 616
Net loss attributable to common q2 2026: $(0.1) million after $691K preferred dividends to subsidiary noncontrolling interests
Net interest income after losses q2 2026: $21.0 million (up 59.9% YoY)

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