{"filings":[{"id":451839,"accession_number":"0001193125-26-224729","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2026-05-15T00:53:39+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom reports Q1 2026 results; filing lacks specific financial data","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Vroom issued press release and earnings presentation for Q1 2026 on May 14, 2026.","Specific figures (revenue, EPS, volumes) are not present in the provided text.","No guidance or segment-level details can be extracted from this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105758,"accession_number":"0001193125-26-126236","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2026-03-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom reports Q4 and full-year 2025 results; detailed figures not available in provided text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filing includes press release and investor presentation for quarter and year ended Dec 31, 2025.","Specific financial results (revenue, EPS, volumes) are not included in the provided excerpt.","Refer to original filing for complete financial data and management commentary."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105757,"accession_number":"0001193125-26-040495","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2026-02-06T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom subsidiary UACC closes $225M auto loan securitization, notes rates 4.41%-7.77%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["UACC sold $274.9M of subprime auto receivables to trust; trust issued $225M in five tranches of asset-backed notes.","Note classes: A ($100.35M, 4.41%), B ($40.13M, 4.63%), C ($25.97M, 5.06%), D ($40M, 5.65%), E ($18.55M, 7.77%).","UACC will service the receivables for a 3.25% annualized fee; residual certificates ($100K) retained for risk retention.","ABS deal creates material long-term obligation; UACC is wholly owned subsidiary of Vroom, Inc. (VRM)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105756,"accession_number":"0001193125-26-017221","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Vroom subsidiary issues $22.5M in preferred units to SPE Holdings 2026-1","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Vroom Automotive LLC issued 15,000 Series A and 7,500 Series B preferred units for $22.5M total proceeds.","Series A distribution rate: SOFR + 8.25%; Series B: SOFR + 9%, payable quarterly.","Proceeds to be used for loan to UACC, special distribution to Vroom Finance Holdings, and general corporate purposes.","Series B preferred units are convertible into common units of Vroom Automotive; Series A are non-convertible.","Origination fee and reimbursement expenses deducted from purchase price; details redacted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122045,"accession_number":"0001213900-25-115505","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-11-26T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom issues up to $10.5M senior secured notes to Board Chair Mylod at SOFR+7.5%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Initial draw of $5M, maximum aggregate principal commitment $10.5M.","Notes bear interest at Term SOFR (3-month) plus 7.50%, paid quarterly.","Matures November 25, 2026; prepayable at any time without penalty.","Proceeds to be used for working capital and general corporate purposes.","Investor is Robert J. Mylod, Jr., Independent Executive Chair of Vroom's board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122044,"accession_number":"0001193125-25-274256","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom reports Q3 2025 results; specific figures not available in filed text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release and earnings presentation issued on November 10, 2025 for quarter ended September 30, 2025.","Financial details and guidance changes not extractable from the provided filing excerpts.","Investors should consult the full press release (Ex. 99.1) and presentation (Ex. 99.2) for specific data.","No material updates on operations or outlook are evident from the limited exhibit content."],"consensus_eps_estimate":null,"consensus_eps_actual":-8.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122043,"accession_number":"0001193125-25-237183","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-10-10T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Vroom ups credit facility by $10M to $35M; no draws as of Sept 30, 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Maximum facility amount increased from $25M to $35M effective Sept 30, 2025.","Amendment to Credit Agreement with Mudrick Capital Management and lender group.","Borrowers have not drawn against the facility as of Sept 30, 2025.","Darkwater Funding reaffirms security interest in collateral for obligations.","Lender commitments updated across nine Mudrick-affiliated funds."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138760,"accession_number":"0000950170-25-112245","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-08-29T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"Vroom issues $10M in 5% convertible notes due 2030 at $35 conversion price","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $10M aggregate principal of 5.000% Convertible Notes due 2030 to two purchasers.","Each purchaser bought $5M; purchasers include Annox Capital and board chair Robert J. Mylod, Jr.","Notes convertible at $35 per share into common stock; issued in a private placement.","Proceeds support long-term business strategy; no specific use disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138759,"accession_number":"0000950170-25-112243","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-08-29T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom subsidiary amends warehouse credit facility; maturity extended to July 2027","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["UACC and United Auto Financing Trust V entered into amendment to Warehouse Credit Facility.","Maturity date extended to July 25, 2027; funding termination date is August 28, 2026.","Advance rate reduced; tangible net worth and liquidity covenants tightened.","Aggregate borrowing capacity and other material terms remain unchanged.","Capital One remains administrative agent; defaults could accelerate maturity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138758,"accession_number":"0000950170-25-105094","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom announces Q2 2025 results; no specific figures available in filing excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company reported financial results for quarter ended June 30, 2025.","Investor presentation with Q2 results posted on IR website.","No financial metrics provided in the excerpt; full details not accessible."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138756,"accession_number":"0000950170-25-096845","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K/A","filed_at":"2025-07-18T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Vroom corrects OTCQX warrant trading symbol to VRMWW","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Original 8-K dated July 7, 2025 listed symbol VRMMW for warrants; now corrected to VRMWW.","Warrants trade on OTCQX Best Market under symbol VRMWW as of July 7, 2025.","Amendment only corrects the trading symbol; no other changes to prior disclosure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138757,"accession_number":"0000950170-25-094153","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-07-07T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Vroom to list warrants on OTCQX under symbol VRMMW starting July 7","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Warrants to trade on OTCQX Best Market effective July 7, 2025.","Warrant ticker symbol assigned: VRMMW.","Company's common stock continues trading on Nasdaq under VRM."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156210,"accession_number":"0000950170-25-086062","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Vroom shareholders elect all eight director nominees and approve auditor and say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight incumbent directors re-elected with >99% votes FOR; broker non-votes 86,481 on each.","Ratification of RSM US LLP as auditor for FY 2025 passed with 4,638,243 FOR vs 4,386 AGAINST.","Advisory vote on named executive officer compensation approved with 4,541,392 FOR (99.7% of votes cast).","Total shares voted: 4,643,281 (~89.9% of outstanding common stock as of record date)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156209,"accession_number":"0000950170-25-071397","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom Q1 2025: $(6.7M) adj. net loss; recap eliminates long-term debt","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income from continuing ops: $(6.5)M (Jan 15-Mar 31) and $45.1M (Jan 1-15).","Adjusted net loss for combined quarter: $(6.7)M.","Total available liquidity $66.9M: $14.6M cash, $27.3M warehouse, $25.0M residual line.","Completed convertible notes recap Jan 14; no long-term debt; equity $158.6M.","Extended $400M warehouse agreements; closed 17th securitization issuing $324M notes."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156208,"accession_number":"0000950170-25-059766","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Vroom appoints Nikul Patel to board of directors effective April 24, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Nikul Patel appointed to the Board, effective April 24, 2025; no family relationships or arrangements.","Patel receives standard non-employee director compensation: $30,000 annual cash retainer.","Equity grants: initial RSUs valued at $100,000 (3-year ratable vesting) plus partial-year and annual RSUs each $100,000 (vest at first annual meeting or one year).","Patel will enter into the Company's standard indemnification agreement for directors and officers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156207,"accession_number":"0000950170-25-049821","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-04-03T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom amends warehouse credit facility: extends maturity to 2027, cuts capacity to $200M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Entry into amendment of revolving credit facility by UACC and VFS Near Prime Trust I as borrower.","Maturity extended to April 12, 2027; aggregate borrowing capacity reduced from $225M to $200M.","All other material terms of the Warehouse Credit Facility remain unchanged.","Funding termination date could be accelerated upon occurrence of defined events of default."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174662,"accession_number":"0000950170-25-045264","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-03-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Vroom post-emergence pro forma net loss $111.2M; interest income $182.8M for 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pro forma net loss of $111.2M for year ended Dec 31, 2024 vs historical $138.2M.","Successor equity consists of 5.16M common shares ($164.4M fair value) and 364,516 warrants ($2.8M).","Pro forma basic/diluted EPS from continuing ops: -$21.53 vs historical -$76.24.","Total assets restated to $977.3M from $1.07B; liabilities reduced to $810.1M from $1.10B.","Finance receivables at fair value increased to $826.6M due to reclassification and fresh start accounting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174661,"accession_number":"0000950170-25-039035","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-03-14T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom subsidiary UACC closes $324M auto loan ABS transaction","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["UACC sold $382M subprime auto receivables to trust; trust issued $324M in notes across 5 classes (4.80%-7.71%).","12% of receivables came from affiliate Vroom Automotive, LLC.","UACC retains at least 5% of each note class for risk retention under Regulation RR.","UACC will service the receivables for a monthly fee equal to 3.25% of aggregate principal balance.","Events of default include payment failure, breach, or bankruptcy; indenture trustee may accelerate notes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174660,"accession_number":"0000950170-25-037169","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-03-11T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom reports Q4/FY2024 net loss, completes recapitalization, secures $25M credit line","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["$(36.7)M and $(138.2)M net loss from continuing ops in Q4 and FY2024, respectively.","Adjusted EBITDA loss of $(18.2)M in Q4 and $(83.4)M in full year 2024.","Completed recap of convertible notes Jan 14, 2025; expects post-emergence tangible book value ~$150M.","Secured $25M line of credit in March 2025; cash & excess liquidity $57.5M at Dec 31, 2024.","UACC announced 17th securitization of $324M asset-backed notes, expected to close mid-March 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":23.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174659,"accession_number":"0000950170-25-023626","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-02-20T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom receives Nasdaq relisting approval; Q4 prelim liquidity $58M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Vroom common stock approved for relisting on Nasdaq Global Market under VRM; trading starts Feb 20, 2025.","Estimated preliminary consolidated cash and excess liquidity of $58M at Dec 31, 2024: $29M cash, $28M warehouse line availability.","Q4 2024 recapitalization-related cash disbursements of approximately $7M included.","Financial results are preliminary and unaudited; closing procedures not yet complete."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174658,"accession_number":"0000950170-25-005647","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-01-15T23:59:59+00:00","items":["1.01","1.02","1.03","5.03","3.02","3.03","5.01","5.02","7.01","9.01"],"status":"ready","headline":"Vroom emerges from Chapter 11; $290.5M convertible notes converted to equity; trade creditors paid in full","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Converted ~$290.5M principal of 0.75% convertible notes into 92.94% of new common stock; parent has no long-term debt.","Every 5 old common shares reclassified into 1 new share (1-for-5 adjustment); ~5.16M shares outstanding post-emergence.","Issued warrants to purchase 364,516 shares at $60.95 per share, exercisable immediately for 5 years.","Matthew Pietroforte appointed to board of directors; management incentive plan reserves 15% of fully-diluted shares.","Trade creditors and all allowed general unsecured creditors to be paid in full."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.95,"calibrated_materiality_score":0.95,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174657,"accession_number":"0001193125-25-000195","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2025-01-02T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Vroom plans 1-for-5 reverse stock split upon Chapter 11 emergence to meet Nasdaq criteria","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reverse split at 1-for-5 ratio effective upon conclusion of prepackaged Chapter 11 case; no stockholder vote needed.","No fractional shares; rounding to nearest whole share, with half or less rounded down.","Warrants adjusted: 361,649 shares available at exercise price $60.95 post-split.","Proportional adjustments to equity awards, stock options, and RSUs under equity plans.","Objective to comply with Nasdaq minimum bid price and ongoing listing requirements for liquidity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191629,"accession_number":"0001193125-24-266124","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-11-26T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"Vroom receives Nasdaq delisting notice due to Chapter 11 filing; trading to suspend Dec 2","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Nasdaq determined to delist Vroom common stock (VRM) under Rules 5101, 5110(b), IM-5101-1 due to prepackaged Chapter 11 case filed Nov 13, 2024.","Trading of common stock will be suspended at opening of business on December 2, 2024; Nasdaq will file Form 25-NSE with SEC.","Company has right to appeal delisting determination but does not indicate intention to do so.","After delisting, common stock may trade on OTC Markets Group; no assurance of meeting initial listing standards on another exchange."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191628,"accession_number":"0001193125-24-256669","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["1.03","2.04","7.01","9.01"],"status":"ready","headline":"Vroom files prepackaged Chapter 11; noteholders to get 92.94% of new equity, trade creditors paid in full","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Filed Chapter 11 prepackaged on Nov 13, 2024; RSA with ~98% of noteholders and ~6% of equity holders.","Plan eliminates ~$290.5M in funded debt; trade and other non-funded claims paid in full in ordinary course.","Noteholders to receive 92.94% of new common stock; existing equity holders to receive 7.06%, subject to dilution.","Voting deadline Dec 30, 2024; $291.3M in Notes accelerated but stayed by bankruptcy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191627,"accession_number":"0000950170-24-125397","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom Q3 net loss $37.7M, to restructure $290M notes via prepackaged Chapter 11","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Net loss from continuing operations $37.7M; Adjusted EBITDA $(25.5)M.","Cash and equivalents $51.1M as of Sept 30, 2024.","UACC had $32.9M liquidity available under warehouse credit facilities.","Agreed to restructure $290M unsecured convertible notes into equity via prepackaged Chapter 11.","After restructuring, Vroom Inc. will have no long-term debt; UACC retains ABS and trust preferred obligations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208098,"accession_number":"0000950170-24-108635","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-09-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Vroom unveils strategic plan focusing on financing and contract servicing","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Long-term plan leverages remaining assets after discontinuing ecommerce operations in Jan 2024.","Core focus on financing and contract servicing using data, AI, and technology platform.","No financial targets, guidance, or performance metrics disclosed in the investor presentation.","Company emphasizes industry-leading data and AI capabilities as key to new strategy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208097,"accession_number":"0000950170-24-094020","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom Q2 net loss from continuing ops widens to $19.1M; Adjusted EBITDA loss $7.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss from continuing ops $(19.1M) vs $(7.5M) in Q2 2023; total net loss $(21.2M).","Adjusted EBITDA $(7.5M); UACC segment Adj EBITDA $(2.8M) down from $0.3M prior year.","UACC interest income $52.4M (+10.2% YoY); realized/unrealized losses $19.6M (-3.9%).","Completed UACC securitization in April 2024; cash $63.4M at quarter end.","CEO cites origination volume growth and improving credit losses from tightening."],"consensus_eps_estimate":null,"consensus_eps_actual":-49.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208096,"accession_number":"0000950170-24-085765","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Vroom Chief Legal Officer Patricia Moran to step down; Anna-Lisa Corrales appointed successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Patricia Moran's employment as Chief Legal Officer ends Aug 23, 2024; she will provide consulting services for up to one year at $500/hour.","Anna-Lisa Corrales appointed Chief Legal Officer, Chief Compliance Officer and Secretary, effective Aug 23, 2024.","Moran is eligible for cash severance and COBRA benefits per the Severance Plan, subject to release of claims.","Outstanding equity awards continue to vest during consulting period; stock option exercise period extended to original expiration.","Separation and consulting agreement entered July 23, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225641,"accession_number":"0000950170-24-073703","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-06-14T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Vroom shareholders approve 350K share increase to 2020 plan; elect new director","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders approved amendment to increase shares under 2020 Incentive Award Plan by 350,000.","Robert Krakowiak elected as director; all seven director nominees elected with over 400K votes for each.","Advisory say-on-pay approved with 389,314 for, 70,876 against; 437,450 broker non-votes.","Ratification of RSM US LLP as independent auditor for FY2024 passed with 883,621 for.","Approximately 50.37% of outstanding shares represented at the annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225640,"accession_number":"0000950170-24-058050","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-05-13T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Vroom reports Q1 net loss from continuing ops of $44.7M; cash $91M; ecommerce wind-down substantially complete","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss from continuing operations $44.7M vs. $15.5M loss in Q1 2023; Adjusted EBITDA -$32.2M.","Interest income $51.1M (+48.6% YoY) driven by UACC; net interest income after losses $5.9M (-47.1%).","Cash and cash equivalents $91.0M; cash burn primarily from ecommerce wind-down costs.","UACC completed $262.5M securitization in April 2024; non-investment grade notes sold in May.","CarStory segment Adjusted EBITDA $0.6M; total company net loss $67.6M (including discontinued ops)."],"consensus_eps_estimate":null,"consensus_eps_actual":-37.68,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225639,"accession_number":"0000950170-24-054477","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Vroom CFO Krakowiak steps down; Zakowicz named new CFO effective May 17, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert Krakowiak to step down as CFO/Treasurer/PAO on May 17, 2024; appointed Vice Chair of the Board.","Agnieszka Zakowicz, current SVP and principal accounting officer, appointed CFO/Treasurer effective May 17, 2024.","Zakowicz receives $375k annual base salary, 50% target bonus, and participates in Executive Severance Plan.","Krakowiak eligible for cash severance and COBRA; equity awards continue vesting, exercise period extended to original expiration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225638,"accession_number":"0000950170-24-053606","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-05-06T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Vroom subsidiary UACC closes $315.8M asset-backed note securitization on $380M subprime auto loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["UACC sold ~$380M of subprime motor vehicle contracts to Trust; issued $315.8M in ABS notes across 5 classes.","Class A ($139.3M at 6.17%) to Class E ($39.5M at 10.45%) notes issued; Class E retained for risk retention.","UACC will service receivables for 3.25% annual fee; 28% of loans originated by affiliated dealer Vroom Automotive.","Notes are obligations of Trust only; UACC has option to buy Trust estate when outstanding balance ≤10% of initial."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225637,"accession_number":"0000950170-24-049839","cik":1580864,"company_name":"Vroom, Inc.","ticker":"VRM","form_type":"8-K","filed_at":"2024-04-29T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Vroom dismisses PwC, appoints RSM US as auditor for FY2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit committee approved RSM US LLP as new independent auditor for fiscal year ending Dec 31, 2024, effective after filing Q1 2024 10-Q.","PwC was dismissed immediately; their 2023 report included an emphasis-of-matter paragraph on the company's value maximization plan (discontinued ecommerce, winding down used vehicle dealership).","No disagreements or reportable events occurred between Vroom and PwC during fiscal years 2022-2023 and subsequent interim period through April 26, 2024.","The selection followed a solicitation of proposals from both PwC and RSM; the change was approved on April 26, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":null,"market_cap_bucket":null,"market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}