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Vroom, Inc (VRM) Fair Value & Analysis

Financial Services · US · Market cap $48.7M

Price$9.36
Fair Value$9.04
Upside-3.4%
Quality95/100
Evidence: Medium Range $2.54 – $9.04

Fair value as of: Jun 25, 2026

Analysis

Vroom, Inc (VRM) currently trades at $9.36, while our model-based Fair Value estimate is $9.04 — implying the stock looks roughly 3.4% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Vroom, Inc., through its subsidiaries, operates as an automotive finance company. It offers vehicle financing to its customers through third party dealers under the UACC brand. The company also provides an artificial intelligence-powered analytics and digital services platform for automotive dealers, automotive financial services companies, and automotive industry. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. Vroom, Inc. was incorporated in 2012 and is based in Fort Worth, Texas.

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Frequently asked questions

Is Vroom, Inc (VRM) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $9.04 versus a price of $9.36 — about −3% (overvalued). Model-based estimate, not financial advice.
What is the fair value of VRM?
Our 21-model fair value for Vroom, Inc is $9.04 (as of Jun 25, 2026), built from audited fundamentals. The current price is $9.36.
What is the quality score of VRM?
Vroom, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.