{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-037169","form_type":"8-K","ticker":"VRM","cik":"0001580864","company_name":"Vroom, Inc.","filed_at":"2025-03-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.065753+00:00","generated_at":"2026-05-24T23:41:53.490907+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Vroom reports Q4/FY2024 net loss, completes recapitalization, secures $25M credit line","bullets":["$(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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-037169","json":"https://secwatch.observer/filing/0000950170-25-037169.json","markdown":"https://secwatch.observer/filing/0000950170-25-037169.md","text":"https://secwatch.observer/filing/0000950170-25-037169.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025037169/0000950170-25-037169-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025037169/vrm-20250311.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T23:41:53.490907+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}