Stock Ratings / Consumer Discretionary / VRM

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Vroom Inc. (VRM) — RQD Stock Rating Cockpit

$7.89 -6.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Vroom Inc. (VRM) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $41.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for VRM)Realized 20D OHLCV Swing Band: ±12.5%

RSI-14 MOMENTUMNEUTRAL RANGE

33.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE5% OF RANGE

L: $7$7.89H: $28

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 11 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on VRM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

-35.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (35)

11/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like VRM

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring VRM)

✓Walkthrough of VRM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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VRM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -47.33%🛡️ HOLDING TREND SUPPORT

2026-10-30O $8.42H $8.42L $7.35C $7.89VOL 10.1K

RES: $9.20SUP: $7.43SMA50: $9.28SMA200: $11.69

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

VRM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 VRM Butterfly Map → + Track VRM →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on VRM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for VRM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for VRM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (VRM)

Consumer Discretionary Rank #737 of 1011 ⚔️ JZXN vs VRM Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (VRM vs. JZXN, KXIN, CRMT, NXXT)

Industry: Retail-Auto Dealers and Gas Stations (20 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Vroom Inc. (VRM) ranks #737 by composite RQD confidence (46/100, grade D) and #832 by equity capitalization ($41.3M). Within this direct 5-issuer industry benchmark cohort, VRM leads on earnings valuation at N/A trailing P/E, while VRM leads on capital efficiency and profitability with -35.0% ROIC and — gross margin. CRMT currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with VRM at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
VRM ACTIVE Vroom Inc.	D	46/100	—	—	-35.0%	-6.18%	$41.3M	Benchmark Subject
JZXN Jiuzi Holdings Inc.	D	49/100	—	0.7%	—	+10.58%	$59.2M	/jzxn-vs-vrm →
KXIN Kaixin Holdings	D-	43/100	—	96.0%	-35.0%	+7.73%	$94.6M	/kxin-vs-vrm →
CRMT America's Car-Mart Inc	C	62/100	—	35.4%	—	+22.25%	$8.8M	/crmt-vs-vrm →
NXXT NextNRG Inc.	D-	37/100	—	8.4%	-35.0%	-14.48%	$5.3M	/nxxt-vs-vrm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001580864

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Vroom Inc. (VRM) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 , and -100.0% cumulative change since FY2023) , GAAP net income of -$53.0M, operating cash flow of $75.2M, and free cash flow of $68.1M (+167.7% YoY). On the balance sheet, VRM closed FY2025 with $937.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$53.0M	$75.2M	$68.1M	$937.4M	—
FY2024 (FY)	2024-12-31	$0	-$165.1M	-$97.0M	-$100.5M	$1.07B	—
FY2023 (FY)	2023-12-31	$893.2M	-$364.6M	-$533.7M	-$533.7M	—	—

3. VRM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is VRM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Vroom Inc. (NASDAQ: VRM) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $7.89 (-6.18% 1D, market cap $41.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 7/20. Across 1011 tracked Consumer Discretionary issuers, VRM ranks #737 in composite RQD confidence.

How does VRM compare to JZXN and KXIN in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Retail-Auto Dealers and Gas Stations), VRM carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, JZXN (Jiuzi Holdings Inc.) holds a D grade (49/100 RQD, P/E N/A, ROIC —, cap $59.2M) and KXIN (Kaixin Holdings) posts a D- grade (43/100 RQD, P/E N/A, ROIC -35.0%, cap $94.6M). Among the 5-stock peer group, VRM leads on earnings multiple (N/A) while VRM leads on capital efficiency (-35.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for VRM?

Per VRM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001580864), Vroom Inc. generated $0 in revenue, -$53.0M in net income, and $68.1M in free cash flow against $937.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is VRM trading relative to its 50-day, 200-day, and 52-week technical levels?

VRM last traded at $7.89 (-6.18% on volume of 4,332 shares), positioning the stock -14.98% below its 50-day simple moving average ($9.28) and -32.51% below its 200-day simple moving average ($11.69). Across its 52-week range of $6.80 to $27.75, VRM sits at the 5.2% percentile with a 14-day RSI of 33.4 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($6.90 to $8.88).

VRM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell VRM stock right now?

Vroom Inc. (VRM) currently earns a Roarable Rating of D (Sell — SELL) with 46/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is VRM's 12-month price target and RQD AI Jury consensus?

VRM's 12-month base price target is $7.46 (range $5.82 to $29.14), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: VRM RQD Cockpit VRM 12M Forecast VRM Earnings & Move VRM Dividends & DRIP VRM Insiders & 13F VRM Whale Options VRM Profit Sankey VRM News & Why