Earnings Releases·Nov 10, 2026, 4:09 PM ET

Vroom — Third Quarter 2026 Earnings Summary

Reported a net loss of $9.8 million for Q3 2026, a $16.9 million year-over-year improvement, with adjusted net loss decreasing $30.0 million compared to the trailing twelve months ended September 30, 2025.
Updated full-year 2026 guidance to indirect origination volumes of $460 million to $485 million and adjusted net loss of $30 million to $35 million.
Strengthened balance sheet through $20 million in preferred stock proceeds and completed the 19th securitization transaction for approximately $234.2 million, while maintaining $64.2 million in total available liquidity.
UACC segment adjusted net loss improved 77.5% year-over-year driven by a rebuilt internal customer scoring model, though legacy vintages prior to September 2025 continue to face higher lifetime loss expectations.