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Vroom, Inc. (VRM) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Vroom, Inc. $7.89, price $9.35, upside -15.6%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US92918V1098

VI Vroom, Inc. logo Thin data Sep 24, 2026

Vroom, Inc.

VRM · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $7.89 · Overvalued (−16%)
!Quality 42/100
!Weak Growth (revenue 5y −39.3 %/yr)
!Loss-making · -31.5% net margin (TTM)
!High debt · generates free cash flow
!Trails peers (2/11)
!Narrow moat 14/100
!Evidence only low, so the estimate is less certain
!The models disagree: range $3.77 to $14.35
!Weak on valuation: 13 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$45.49 $0.1910 Fair Value $7.89 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $0.1910 – $45.49 · fair‑value band $3.77 – $14.35 · the $9.35 price screens above the $7.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

Vroom, Inc. Common Stock (VRM) currently trades at $9.35, while our model-based Fair Value estimate is $7.89, implying the stock looks roughly 18.5% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $15.00 per share, and 2 of the 3 models we run sit above the $9.35 price.

Bear case: the Growth DCF group reads lowest at $6.61, and 1 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $3.77 (bear) to $14.35 (bull), the price of $9.35 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Vroom, Inc. Common Stock reported revenue of $112M in FY2025 versus $3.2B in FY2021, a compound −56.7%/yr. Reported net income was −$8.0M in FY2025.

Key figures

Market cap $48.6M · P/S ratio 0.23 · EPS (TTM) $−12.95 · Net margin −7.1% · Return on equity −48.3% · Return on assets (EBIT) −16.1% · Operating margin −6.4% · Revenue (TTM) $210M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 67% below its 52-week high and 36% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −16%, VRM screens cheaper than that median.

Fair Value models

Bear $3.77 Fair Value $7.89 Bull $14.35
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $194.02 $442.66 $843.22 71
Rev-Margin DCF n/a $6.61 $35.62 67
NCAV (Graham) $11.20 $15.00 $22.39 54
All 3 models by family
Asset-Based
NCAV (Graham) $11.20 $15.00 $22.39 54
Growth DCF
Growth DCF $194.02 $442.66 $843.22 71
Rev-Margin DCF n/a $6.61 $35.62 67

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Quality Score breakdown

Overall quality 42/100

Of which business quality 43 · Market factors (momentum, volatility) 11

Profitability 7
Margins and returns on capital today
Quality Growth 80
Are margins and returns improving?
Cashflow 98
Earnings quality: real cash, not paper profit
Fin. Strength 4
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 7
Calm price path (market factor)
Momentum 17
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 21/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−61.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−39.3%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−25.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−13.2% (2020) → 0.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

VRM screens 18% overvalued. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks

Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 42 · Below median
Fair Value upside −16% · Below median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) −32% · Bottom 25%
Operating margin (TTM) −6% · Bottom 25%
Growth and dividend
Revenue growth −11% · Bottom 25%
Balance sheet
Debt / equity 3.72× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.42× · Cheapest 25%
P/S (TTM) 0.23× · Cheapest 25%
P/FCF 0.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)13 · sector 49
FUTURE (revenue growth)0 · sector 36
PAST (return on equity)0 · sector 32
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)0 · sector 68

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $301.96 $206.40 −32%
Capital One Financial Corporation COF $196.10 $125.36 −36%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $68.09 $16.24 −76%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $70.67 $137.28 +94%
SoFi Technologies, Inc SOFI $16.55 $5.57 −66%

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Vroom, Inc. Common Stock · Fair Value
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Cite: Fair Value Calculator (2026). "Vroom, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/VRM

Frequently asked questions

Is Vroom, Inc. (VRM) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $7.89 versus a price of $9.35, about −16% upside (overvalued).
What is the fair value of VRM?
Our model-based fair value for Vroom, Inc. Common Stock is $7.89 (as of Sep 24, 2026), built from audited fundamentals. The current price: $9.35.
What is the quality score of VRM?
Vroom, Inc. Common Stock has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Vroom, Inc. (VRM)?
Our model-based price target is the fair value of $7.89 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario $3.77, optimistic scenario $14.35. It is a calculation from audited fundamentals, not an analyst target.
What is the Vroom, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $7.89, about −16% upside versus a price of $9.35 (overvalued). Cautious scenario $3.77, optimistic scenario $14.35. The calculation is refreshed regularly with new filings.
What is the revenue of Vroom, Inc. (VRM)?
Vroom, Inc. Common Stock reported trailing-twelve-month revenue of about $210M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Vroom, Inc. (VRM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vroom, Inc. Common Stock it is $7.89 per share (as of Sep 24, 2026), against a price of $9.35. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Vroom, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VRM trades above its calculated fair value: price $9.35, fair value $7.89, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of VRM?
No. The price is what the market pays today ($9.35); the fair value is what the company's own numbers justify ($7.89). For Vroom, Inc. Common Stock the two are $1.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is Vroom, Inc. Common Stock worth?
The market values Vroom, Inc. Common Stock at about $48.6M (market capitalisation, as of Sep 24, 2026). Per share that is $9.35; our models calculate a fair value of $7.89 per share.
What do the bullish and bearish scenarios say about VRM?
Our models span a range for Vroom, Inc. Common Stock: cautious scenario $3.77, base $7.89, optimistic $14.35 per share (as of Sep 24, 2026, price $9.35). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Vroom, Inc. (VRM)?
Balance-sheet figures for Vroom, Inc. Common Stock (as of Sep 24, 2026): return on equity −48.3%, debt of 3.72 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is VRM from its 52-week high?
Vroom, Inc. Common Stock trades at $9.35, about 67% below its 52-week high of $28.43 and 36% above the low of $6.90 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $7.89 is for.
Which stocks are comparable to Vroom, Inc. Common Stock?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Vroom, Inc. Common Stock stock attractive at the current price?
The data as of Sep 24, 2026: price $9.35, calculated fair value $7.89 (−16%), Quality Score 42/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of VRM calculated?
We run Vroom, Inc. Common Stock through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.89, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Vroom, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Vroom, Inc. (VRM)?
The closing price on Sep 23, 2026 was $9.35. Our model-based fair value is $7.89, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vroom, Inc. Common Stock right now?
Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($3.77 to $14.35). The outcome hinges heavily on assumptions, so read the point estimate with caution. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Vroom, Inc. Common Stock

How large is the market capitalisation of Vroom, Inc. (VRM)?
The market capitalisation of Vroom, Inc. Common Stock is $48.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Vroom, Inc. (VRM)?
The price-to-sales ratio of Vroom, Inc. Common Stock is 0.23 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vroom, Inc. (VRM)?
Earnings per share at Vroom, Inc. Common Stock are $−12.95. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Vroom, Inc. (VRM)?
The net margin of Vroom, Inc. Common Stock is −7.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Vroom, Inc. (VRM)?
The return on equity (ROE) of Vroom, Inc. Common Stock is −48.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Vroom, Inc. (VRM)?
On an EBIT basis the return on assets of Vroom, Inc. Common Stock is −16.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Vroom, Inc. (VRM)?
The operating margin of Vroom, Inc. Common Stock is −6.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vroom, Inc. (VRM)?
Revenue at Vroom, Inc. Common Stock is growing −10.6% versus a year earlier (3y avg −61.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Vroom, Inc. (VRM) generate?
The free cash flow of Vroom, Inc. Common Stock is $68.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Vroom, Inc. (VRM) carry?
The net debt of Vroom, Inc. Common Stock is $769M (fiscal year 2025, ≈ 11.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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