Vroom, Inc. · NASDAQ:VRM
Vroom — Q1 2026 Earnings Presentation
8 slides from Vroom's earnings presentation, May 15, 2026
Slide 1: First Quarter 2026 Earnings
Vroom first quarter 2026 earnings may 2026
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 finance and manage
Slide 4: Operational update
Operational update Shareholder equity and tangible net worth $98.4M stockholders' equity as of March 31, 2026 $86.5M tangible book value(1) as of March 31, 2026 First quarter 2026 results $(19.0)M net loss from continuing operations $(19.6)M net loss attributable to controlling interest and common s
Slide 5: Performance and liquidity bridge
Performance and liquidity bridge $ amounts in millions Adjusted net income (loss)(1) $(10) $1 $1 $1 $5 $(18) Q4-2025 Adjusted Net Income (loss) (1) Net Interest Income Realized and unrealized losses, net of recovery Noninterest Income Operating Expenses Q1- 2026 Adjusted Net Income (loss) (1) Total
Slide 6: Portfolio performance projection
Portfolio performance projection Multivariate loss projection (2) vs. Cumulative Net loss (1) {Chart} 12 Month CNL 48 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 realiz
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