Slide 1: Vroom fourth quarter 2025 earnings, March 2026
vroom fourth quarter 2025 earnings march 2026
Slide 2: 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 logo Acquired by Vroom in 2022 Non-prime lending expertise Successful capital markets experience 9,500+ independent dealer network ~$1B gross serviced portfolio $481M in indirect loan origination in 2025 External finance and man
Slide 4: Operational update
Operational update Shareholder equity and tangible net worth $116.6M stockholders' equity as of December 31, 2025 $104.2M tangible book value(1) was as of December 31, 2025 2025 results $129.3M improvement in net loss for full year 2025(5) $66.0M improvement in adjusted net loss(3) for full year 202
Slide 5: Performance and liquidity bridge
Performance and liquidity bridge $ amounts in millions Adjusted net income (loss)(1) $(26) Q3-2025 Adjusted Net Income (Loss)(1)$1 Net Interest Income $20 Realized and unrealized losses, net of Recovery $2 Noninterest Income ($1) Operating Expenses $(10) Q4-2025 Adjusted Net Income (Loss) (1) Total
Slide 6: Portfolio performance projection
Portfolio performance projection Multivariate Loss Projection(2) vs. Cumulative Net Loss(1) 12 Month CNL 16.00% 15.00% 14.00% 13.00% 12.00% 11.00% 10.00% 9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 1 3 5 7 9 11 2017 1 3 5 7 9 11 2018 1 3 5 7 9 11 2019 1 3 5 7 9 11 2020 1 3 5 7 9 11 2
Slide 7: Vroom 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