Vroom — Third Quarter 2026 Earnings Summary

Vroom, Inc. reported a net loss of $9.8 million for the third quarter of 2026, driven by higher mark-to-market losses associated with legacy loan vintages and rising interest rates. The company ended the quarter with $91.1 million in stockholders' equity and $64.2 million in total available liquidity, bolstered by a $20 million preferred stock issuance in its subsidiary. Management highlighted significant year-over-year improvements in adjusted net loss due to a rebuilt internal customer scoring model implemented in September 2025. Consequently, Vroom updated its full-year 2026 guidance to project indirect origination volume between $460 million and $485 million and an adjusted net loss between $30 million and $35 million.