Slide 1: Third Quarter 2025 Earnings
third quarter 2025 earnings november 2025 1 v
Slide 2: Disclaimer
DISCLAIMER Forward Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this presentation that do not relate to matters of historical fact should be considered forward- looking
Slide 3: Vroom overview
Vroom overview United auto credit business Carstory business Vroom assets Financing and Loan Servicing Industry Leading Data, AI and Technology Automotive eCommerce Platform • Acquired by Vroom in 2022 • Acquired by Vroom in 2021 • eCommerce used vehicle platform • Non-prime lending expertise • 18+
Slide 4: Operational update
Operational update liquidity and warehouse availability • $59.2M total available liquidity(1) as of September 30,2025, consisting of: performance highlights • $12.4M cash and cash equivalents • Decrease of gross serviced portfolio year over year, driven by amortization of legacy Vroom • $11.8M of ex
Slide 5: Performance and liquidity bridge
Performance and liquidity bridge $ amounts in millions Adjusted net income (loss) (1) $(7) ($1) • Net interest income • Interest income net of warehouse and securitization interest expense $5 • Realized and unrealized losses, net of recovery $(26) $1 • Mark to market net loss; driven by securitizati
Slide 6: Portfolio performance projection
Portfolio performance projection 48 Month CNL 12 Month CNL (Orange) Multivariate 12 Month CNL Model correlates to (Gray) Actual 12 Month CNL correlates to (Yellow) Actual 48 Month CNL (1) Cumulative net loss is the aggregate realized loss (net of recoveries) over a portfolio’s lifetime. (2) This met
Slide 7: Appendix
vroom Appendix 7 v
Slide 8: Reconciliation of non-GAAP financial measures
Reconciliation of non -gaap financial measures Non-GAAP Financial Measures In addition to our results determined in accordance with U.S. GAAP, we believe the following non-GAAP financial measures are useful in evaluating our operating performance: Adjusted net income (loss), total available liquidit