<span item_type="fundamental" item_id="a7519bc8215b976e295ca4a5cc100df4" counter_id="ST/US/VRM" env="prod"></span><span item_type="announcement" item_id="581348899799567617" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 54.34 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD -5.15.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -58.51 M.</p><p></p><h3>Segment Revenue</h3><ul><li>Interest income for the three months ended September 30, 2025 was $44.8 million, compared to $50.2 million for the same period in 2024, a decrease of $5.4 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Gross Serviced Portfolio was $972 million for Q3 2025, compared to $998 million in Q2 2025 and $1,060 million in Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li><li>Indirect Loan Origination was $107 million for Q3 2025, compared to $114 million in Q2 2025 and $100 million in Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li>Net loss from continuing operations for the three months ended September 30, 2025 was - $27.1 million, compared to - $37.7 million for the same period in 2024, an improvement of $10.6 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Adjusted net loss for the three months ended September 30, 2025 was - $25.7 million, compared to - $33.3 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Total expenses for the three months ended September 30, 2025 were $24.8 million, compared to $44.9 million for the same period in 2024, a decrease of $20.0 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Depreciation and amortization included in Q3 2025 results was $1.0 million.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li></ul><h3>Cash Flow</h3><ul><li>Net cash provided by operating activities for the nine months ended September 30, 2025 was $53.9 million, compared to - $74.9 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Net cash used in investing activities for the nine months ended September 30, 2025 was - $84.2 million, compared to $108.0 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Total available liquidity as of September 30, 2025 was $59.2 million, consisting of $12.4 million in cash and cash equivalents, $11.8 million of excess liquidity available to UACC under warehouse credit facilities, and $35.0 million from delayed draw facility.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li>Stockholders’ equity was $126.6 million as of September 30, 2025, and tangible book value was $113.8 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>Mark-to-market adjustments were $15.3 million unfavorable for Q3 2025 on the fair value portfolio, with a $4.5 million favorable mark-to-market year-to-date.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>Vroom’s full-year expectations are in line with the original beginning of the year adjusted net loss plan of approximately - $56 million, prior to favorable mark-to-market movement in Q1 2025, now substantially offset by unfavorable mark-to-market movement in Q3 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_1.htm"></span></li><li>The company is focused on strategic initiatives, cost-savings, and reduction in operating expenses, with expectations regarding UACC’s business, including originations and the impact of credit tightening and securitization transactions.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li><li>Management continues to monitor performance closely, with projections based on proprietary assumptions and formulas.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1580864/000119312525274256/vrm-ex99_2.htm"></span></li></ul>

VROOM INC | 8-K: FY2025 Q3 Revenue: USD 54.34 M