Vroom, Inc.
Vroom, Inc. is classed by the SEC under Retail-Auto Dealers & Gasoline Stations (industry code 5500), based in Houston, TX. Its latest filed balance sheet (2025-12-31) shows total assets of $938 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5500, Retail-Auto Dealers & Gasoline Stations); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 1.6 out of ten, 7 of 9 metrics filed and 2 estimated: past 1.0 out of ten, present 1.7 out of ten, future 1.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 0.2 out of ten. 7 warning events since 2017; the latest 2025-01-15. 2nd percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 1.4 out of ten. +0.9% a year over 6 filed years; profitable in 0 of 6. 14th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 1.8 out of ten. CrossAssetData estimate 1.8/10, confidence 35 of 100 (one part). 18th percentile among 20 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 1.3 out of ten. ROE -45%: lost 45¢ per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 13th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 1.5 out of ten. bottom 15% of 21 in its family; net margin -40.8%. 15th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.7 out of ten. bottom 27% of 18 in its family for leadership; chief executive since 2022. 27th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 1.3 out of ten. CrossAssetData estimate 1.3/10, confidence 35 of 100 (one part). 13th percentile among 21 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Growth drivers (future): 1.3 out of ten. bottom 13% of 21 in its family for growth drivers. 13th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.1 out of ten. bottom 31% of 21 in its family for expectations against reality. 31st percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-04 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-04 (on EDGAR). Newest filing: Form SCHEDULE 13D/A, 2026-10-01. Filings on record since 2013. Read from EDGAR 2026-10-12.
Who runs it
Shortt, Thomas H (Chief Executive Officer); Sandison, Jonathan (CFO, Vroom and UACC); Krakowiak, Robert R. (Chief Financial Officer); Benzaquen, Jacob Shlomo (Principal Accounting Officer); Corrales, Anna-Lisa Christina (CLO, CCO, Secretary); Mudrick, Capital Management Llc (director); Mudrick, Capital Management, L.p. (director); Mudrick, Distressed Opportunity 2020 Dislocation Fund Gp, Llc (director); Mudrick, Distressed Opportunity 2020 Dislocation Fund, L.p. (director); Mudrick, Distressed Opportunity Drawdown Fund II Gp, Llc (director); and 13 more. 23 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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