Slide 1: Vroom second quarter 2026 earnings
Vroom second quarter 2026 earnings august 2026 v 1
Slide 2: Disclaimer: Forward Looking Statements
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 Financing and Loan Servicing • Acquired by Vroom in 2022 • Non-prime lending expertise • Successful capital markets experience • 9,500+ independent dealer network • $900M+ gross serviced portfolio • $481M in indirect loan origination in 2025 • External fina
Slide 4: Second quarter 2026 results, equity and liquidity
v 4 Shareholder equity and tangible net worth • $99.8M stockholders' equity as of June 30, 2026 • $88.4M tangible book value(1) as of June 30, 2026 second quarter 2026 results • $0.6M net income from continuing operations • $(0.1)M net loss attributable to controlling interest and common shareholder
Slide 5: Performance and liquidity bridge
$(18) $1 $1 $14 $1 $3 Q1-2026 Adjusted Net Income (Loss) Net Interest Income Realized and unrealized losses, net of Recovery Noninterest Income Operating Expenses Q2-2026 Adjusted Net Income (Loss) Performance and liquidity bridge (1) Adjusted net income (loss) is a non-GAAP measure. For a definitio
Slide 6: Proprietary machine learning models within next-generation risk engine
proprietary machine learning models within Next -generation risk engine v Data through Month End June 2026 • Fully integrated into underwriting decisioning as of Q4-2025, with 100% of originations now scored under the new model Implemented proprietary machine learning (“ML”) models within Next -gene
Slide 7: Proprietary machine learning models forecasting improved CNL
proprietary machine learning (“ML”) models forecasting improved CNL Forecasting improved CNL (1) Cumulative net loss is the aggregate realized loss (net of recoveries) over a portfolio’s lifetime. (2) This metric, including the ratios, is based on management's proprietary assumptions and formulas an
Slide 8: Proprietary machine learning models: DQ performance by vintage
proprietary machine learning (“ML”) models dq performance by vintage Actual dq performance improved post model launch v COVID Impacted Oct ‘25 -Feb ‘26 COVID Impacted COVID Impacted COVID Impacted Oct ‘25 - Jan ‘26 Oct ‘25 - Dec ‘25 Oct ‘25 - Nov ‘25 Data through Month End June 2026 31+ Delinquency
Slide 9: Point increase in WA FICO of current eligible pool
39 point increase in WA fico current eligible pool of Collateral WA FICO (non-zero) by Securitization Pool 580 585 579 569 571 576 576 577 +39 616 2020-1 2021-1 2022-1 2022-2 2023-1 2024-1 2025-1 2026-1 Current Eligible Pool* *Eligible pool as of 7/31/2026 620 610 600 590 580 570 560 550 540 Signifi
Slide 10: Appendix
10 v Appendix vroom
Slide 11: Reconciliation of non-GAAP financial measures
reconciliation of non-goop 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 liquidity