Slide 1: First Quarter 2025 Earnings
First quarter 2025 earnings may 2025
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 assets and overview
Vroom assets Automotive eCommerce Platform eCommerce used vehicle platform Predictive price and P&L models Consumer and B2B Inventory acquisition Consumer shopping solution Self-service checkout Consumer transaction hub deal status, pending action items, delivery and registration tracking Delivery a
Slide 4: Key Objectives: Operational update
3 Key Objectives Operational update $66.9M of total available liquidity, improved ttm adjusted net income loss by $53 million year over year first quarter 2024 fourth quarter 2024 first quarter 2025 Gross serviced portfolio $1,016 million $1,016 million $1,021 million indirect Origination Volume(4)
Slide 5: Performance and liquidity bridge
Performance and liquidity bridge (1) Adjusted net income (loss) is a non-GAAP measure. For a definition and reconciliation to the most comparable GAAP measure, please see the appendix. (2) Represents non-GAAP combined results for the three months ended March 31, 2025. For a reconciliation to the mos
Slide 6: Portfolio performance
Portfolio performance In late 2022 and early 2023, we implemented changes to our credit program, tightening credit, which has returned our delinquencies and expected portfolio performance on those vintages to pre-pandemic levels Originations from mid-2021 to mid-2022 generally are concentrated in se
Slide 7: Appendix
Appendix vroom
Slide 8: Reconciliation of non-GAAP financial measures
Reconciliation of non-gaap financial measures Adjusted net income (loss) Adjusted net income (loss) is a supplemental performance measure that our management uses to assess our operating performance and the operating leverage in our business. Because Adjusted net loss facilitates internal comparison