Slide 1: Second quarter 2025 earnings
Vroom Second quarter 2025 earnings august 2025
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 ~$1B gross serviced portfolio $436M in indirect loan origination in 2024 External finance and manageme
Slide 4: Operational update, liquidity and warehouse availability
Operational update liquidity and ware house availability $55.9M total available liquidity(1) as of June 30,2025, consisting of: $14.3M cash and cash equivalents $16.6M of excess liquidity available to UACC under the warehouse credit facilities (receivables that could be pledged to draw cash from war
Slide 5: Performance and liquidity bridge
Performance and liquidity bridge $ amounts in millions adjusted net income(Loss)2 $(7) Q1-2025Adjusted Net Income (Loss) $2 Net Interest Income ($2) Realized and unrealized losses, net of Recovery ($2) Noninterest Income $2 Operating Expenses $(7) Q2-2025Adjusted Net Income (Loss)(1) total available
Slide 6: Portfolio performance
Portfolio performance Cumulative net loss (cnl)(1) proprietary model vs. actual losses(2)12 month cnl covid stimulus credit tightening 48 month cnl (Orange) Multivariate 12 Month CNL Model correlates to (Gray) Actual 12 Month CNL correlates to (Yellow) Actual 48 Month CNL in late 2022 and early 2023
Slide 7: Appendix
Vroom Appendix
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 liquidity